National Enterprise Systems

Good Morning,
Attached is the response for complaint ID ***
Thank You,
Eric T*** NES

February 3, 2016 *** *** Revdex.com Euclid Ave, 4th Floor Cleveland, OH 44115-2408 Re: Complaint ID#*** Dear Ms***: We are in receipt of your correspondence concerning the complaint made by Ms*** against National Enterprise Systems ("NES")We
have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. On September 27, 2015, there was an account placed by *** ***, Inc., (***) with NES for collectionsNES does not own the account but was attempting to collect the total outstanding balance on behalf of ***. NES spoke with Ms*** on September 28, and reached an agreement to put her account on a loan rehabilitation program with payments of $per monthOn October 5, 2015, a letter containing the loan rehabilitation agreement was sent to Ms***Between October 5, and December 1, 2015, NES made attempts by phone and by U.SMail to reach Ms*** in an effort to follow up with her regarding the loan rehabilitation programNES was unable to make phone contact with Ms*** during this timeframe and on December 1, 2015, a letter was sent notifying her of the possibility of an Administrative Wage Garnishment (Garnishment)This letter also contained information on how to request a hearing regarding the GarnishmentOn January 6, 2016, NES received a signed borrower acknowledgement form, which is a part of the loan rehabilitation agreement referenced aboveAlthough we received the borrower acknowledgement form, none of the required payments have been receivedBetween December 1, and January 1, NES made continued attempts to reach Ms*** to make arrangements for repayment of the loanNES was unable to make phone contact with Ms*** during this timeframe and on January 1, NES again sent Ms*** a letter notifying her of the possibility of GarnishmentNone of the mail sent by NES to Ms*** was returned to NES as undeliverableOn January 11, 2016, a Garnishment order was sent to Ms***'s employer. The letters sent to Ms*** provide NES' address Edison Blvd., Unit A, Twinsburg, Ohio 44087-2340)Ms*** is welcome to send payments to that addressAdditionally Ms*** is welcome to pay online at www.nesl.com or by calling NES at 877-603-7165. If Ms*** would like to discuss options to stop the Garnishment and enter the rehabilitation program she can call our compliance department at 877-603-and we will be happy to discuss these options. We apologize for any inconvenience that Ms*** may have experienced We hope this brings this matter to a conclusion but please contact me if I may be of further assistance.Sincerely,Eric T***Manager, Regulatory ComplianceEdison Blvd., Unit A Twinsburg, OH 44087-Phone: (440) 542-Toll Free: (800) 973-Fax (330) 963-www.nesl.com

December 29, Re: Complaint ID#*** Dear MsIbrahim: We are in receipt of your correspondence concerning the complaint made by Mr*** against National Enterprise Systems ("NES")We have conducted an investigation with respect to this matter and we appreciate the opportunity to
respond and provide you with our positionOn September 25, there was a Federal student loan account placed by *** Solutions, Inc., (Navient) with NES for collectionsNES does not own the account but was attempting to collect the total outstanding balance on behalf of *** On September 25, 2016, NES sent a letter to *** *** *** ** *** *** ** ***, notifying Mr*** that the account has been placed with NES for collectionsNES also sent Mr*** a notification of administrative wage garnishment on November 3, On December 9, 2016, NES sent a notice of administrative wage garnishment to Mr***'s employerBecause this account is a Federal student loan, the Federal wage garnishment rules preempt the state wage garnishment rulesNES has requested the proof of debt that Mr*** asked for from *** Once received NES will forward the documentation to himWe apologize for any inconvenience that Mr*** may have experiencedShould he wish to discuss the account, he is welcome to call our Compliance Department at 877-603-Manager, Regulatory Compliance NES

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

March 2, 2016 *** *** Revdex.com Euclid Ave, 4th Floor Cleveland, OH 44115-2408 Re: Complaint ID#*** Dear Ms***: We are in receipt of your correspondence concerning the complaint made by Ms*** against National Enterprise Systems ("NES")We have
conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. On February 21, 2016, there was an account placed by *** ***, Inc., (***) with NES for collectionsNES does not own the account but was attempting to collect the total outstanding balance on behalf of ***. While A NES representative did call Ms***'s husband's place of employment and ask to speak to him, the representative did not state that there was an emergencyNES takes very seriously any allegation that an employee may have acted improperlyNES does not encourage or condone the actions described by Ms*** in her complaintAs such, the collector involved has been counseled with respect to the allegations and in the proper handling of consumer accounts. Per Ms***'s request, NES has made the necessary changes so her and her husband will not be called again by NES in regard to this account. We apologize for any inconvenience that Ms*** or her husband may have experiencedWe hope this brings this matter to a conclusion but please contact me if I may be of further assistance. Sincerely, Eric T*** Manager, Regulatory Compliance NES Edison Blvd., Unit A Twinsburg, OH 44087-Phone: (440) 542-Toll Free: (800) 973-Fax (330) 963-www.nes1.com

Good Morning,Attached is the response for complaint ID ***-***

October 3, 2017 *** *** Revdex.com Euclid Ave, 4Th Floor Cleveland, OH 44115 Re: Complaint ID # *** Dear *** ***: We are in receipt of your correspondence concerning a complaint made against National Enterprise Systems ("NES")We have conducted an
investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. On July 2, 2017, there was an account placed by *** *** ***(***), with NES for collectionsNES does not own the account but was attempting to collect the total outstanding balance on behalf of ***. NES spoke with Mr*** on August 16, 2017, and explained that the account in our office is a private student loan and is unable to be consolidated with federal loansIf Mr*** is able to provide evidence that the above mentioned account was included in a consolidation, NES will review it with our clientMr*** may send documentation to: NES Edison Blvd Unit A Twinsburg, OH Fax: *** Also on August 16, 2017, NES spoke with Mr*** and reached an agreement with Mr*** to pay $2,on August 16, followed by payments of $monthly for monthsMr*** made a payment of $2,during that phone callThe payment was processed and posted to his account prior to Mr***'s subsequent request to cancel the payment. On August 17, 2017, Mr*** spoke with NES and mentioned that he thought the account had been consolidatedA NES representative provided Mr*** with a telephone number for *** (***) where he could call to confirm the account had not been consolidated. On August 21, 2017, Mr*** called into NES and requested all future payments to be canceledThe payments were canceled at that timeDuring this conversation, NES explained again to Mr*** that private student loans are unable to be consolidated with federal loans. On September 14, 2017, NES received notice that Mr*** August 16, payment of $2,was charged back. NES made no threats to take Mr*** nor were any of the NES representatives hostile towards him. We are sorry for the inconvenience that Mr*** may have experienced and hope this brings this matter to a conclusionMr*** may contact our compliance department at ***, if he would like to discuss the account. Sincerely, Eric T***Manager, Regulatory Compliance

Good Afternoon,Attached is the response for complaint ID *** Thank You,Eric T***

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me, however I note they infer that they will not call again regarding this matter-I do not want them to ever call again regarding any matterI have no debt.
Regards,
*** ***

Good Afternoon, attached is the response for complaint *** Thank You,Eric T***NES

January 11, 2016 *** *** Revdex.com Euclid Ave, 4th Floor Cleveland, OH 44115-2408 Re: Complaint ID#*** Dear *** ***: We are in receipt of your correspondence concerning the complaint made by *** *** against National Enterprise Systems ("NES")
We have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. On January 4, 2016, there were four accounts placed by *** *** *** *** ***, with NES for collectionsNES does not own the accounts but was attempting to collect the total outstanding balance on behalf of NSLP. NES contacted *** *** on January 4, 2016, and attempted to verify *** ***'s date of birth in order to confirm we were speaking with the intended person*** *** declined to verify the information and the NES representative provided *** *** a toll free phone number with which she could reach NES in the futureThe number was different than the local number that was displayed on *** ***'s caller ID, however, both telephone numbers belong to NESAs requested by *** ***, NES has taken the necessary steps to ensure that *** ***'s phone number, ***, will not be called again by NES, in regard to the above referenced accounts. If *** *** would like to discuss the accounts, she may call our Compliance Department at ***We hope this brings this matter to a conclusion but please contact me if any additional information is needed. Sincerely Eric T***, Manager, Regulatory Compliance NES

NATIONAL ENTERPRISE SYSTEMS November 16, 2015 *** *** Revdex.com Euclid Ave, 4th Floor Cleveland, OH 44115-2408 Re: Complaint *** *** *** ***: We are in receipt of your correspondence concerning the complaint made by *** *** against
National Enterprise Systems ("NES")We have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. NES was attempting to contact a person with the same last name as *** *** in regards to an account placed in our officeThe phone number that NES was calling, ***, was provided to NES by our client as a number associated with the person we were trying to reachAs requested, NES has made the necessary changes that *** ***'s phone number, ***, will not be called by NES, in regards to this account. We apologize for any inconvenience that *** *** may have experiencedWe hope this brings this matter to a conclusion but please co tact me if any additional information is neededSin e-rely, anager, Regulatory Compliance Edison Blvd., Unit A Twinsburg, OH 44087-Phone: (440) 542-Toll Free: (800) 973-Fax (330) 963-www.nesl.com

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

NATIONAL ENTERPRISE SYSTEMS September 18, 2015 *** *** Revdex.com Euclid Ave, 4th Floor Cleveland, OH 44115-2408 Re: Complaint ID#10805193 Dear *** ***: We are in receipt of your correspondence concerning the complaint made by *** *** against National Enterprise Systems ("NES")We have reviewed *** ***'s reply to our original responseWe appreciate the opportunity to provide additional information. Our representative initially offered *** ***'s an opportunity to settle the debt*** *** then inquired about minimum paymentsBecause the account is in default, there are no set minimum monthly paymentsRather the balance is due in fullOur representative provided *** *** with interest information in an effort to help him understand the impact of making monthly payments as opposed to settlement optionsOur representative asked *** *** what he was able to pay, however, *** *** ended the call. We look forward to *** ***' contacting our Compliance department at which time we will focus our efforts on attempting to help *** *** find a payment plan that meets his needs. We apologize for any inconvenience that *** *** may have experiencedWe hope this brings this matter to a conclusion but please contact me if I may be of further assistance. Sincerely Eric T***, Manager, Regulatory Compliance NES

January 3, Re: Complaint ID#*** Dear MsLard: We are in receipt of your correspondence concerning the complaint made by Mr*** against National Enterprise Systems ("NES")We have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our positionNES' records indicate that documentation of the debt was sent to Mr***, by US Funds C/O ***, on December 29, 2016, to the address of ** *** *** *** ** ***We apologize for any inconvenience that Mr*** may have experiencedShould he wish to discuss the account, he is welcome to call our Compliance Department at 877-603-

I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this does not resolve my complaint. For your reference, details of the offer I reviewed appear below
Regards,
*** ***

---------- Forwarded message ----------From: Eric Thut Date: Mon, Aug 29, at 9:AMSubject: RE: RE *** ***To: *** *** ***, Our client, Turnstile, phone number is 866-290-and address isWest Broadway, Suite 2000,San Diego, CA 92101.They will be able to provide Ms*** with further information. Thank You, Eric ***Manager of Regulatory Compliance

October 20, 2015 *** ***Revdex.comEuclid Ave, 4th Floor Cleveland, OH 44115-2408 Re: Complaint ID: *** *** *** *** We are in receipt of your correspondence concerning the complaint made by *** *** against National Enterprise Systems
("NES")We have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. An account was placed with NES for collectionUnfortunately, *** ***'s phone number, ***, inadvertently became associated with this accountWe were not aware at the time the calls were made that the number was incorrectNES has taken the appropriate steps to ensure that *** *** will receive no further calls from NES, with respect to this account. We apologize sincerely for any inconvenience *** *** may have experiencedWe hope this brings this matter to a conclusion but please contact me if any additional information is neededThank you for your attention and cooperation. Sincerely, Eric T*** Compliance Manager