NRA Group

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I have already spoken with all three credit agencies and all three state that National Recovery has not done anything indicating change As of today's date when I checked my accounts this still shows up and I understand it can take days to remove However, National may have done something by the time they replied to you, but at the time I spoke with [redacted] , [redacted] , and [redacted] on June 11, nothing was sent to them from them indicating to the credit agencies of any removal I can check back with the agencies on my next full day off, which won't be until Tuesday of next week Regards, [redacted]

---------- Forwarded message ---------- From: [redacted] < [redacted] > Date: Sat, Jun 21, at 9:AM Subject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint # [redacted] To: [email protected] To whom it may concern, This complaint has been resolved by the company and I no longer need this case to be openI thank you and appreciate all your help and time Best, ***

Dear [redacted] , Our office is in receipt of your correspondence regarding the above-referenced complaint In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed in our office and returned to the creditor Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firm We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information Consumer reporting agencies may take to days to update consumer reports and this is also beyond our control Should you have any questions regarding this matter, please feel free to contact our office Sincerely, Ashley *C***, Esquire Director of Legal and Compliance

[redacted] [redacted] I am rejecting this response because: [redacted] says their record shows the account was mistakenly sold to [redacted] and not National Recovery [redacted] does not have a relationship with National RecoveryThis is a scam- period! [redacted] ***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed as Answered] Complaint: [redacted] I am rejecting this response because:I suggest the business and MsC [redacted] review the FDCPA more closely Let me be very clear NRA violated Federal Law by contacting me and threatening to harm my credit if I didn't pay them They never had to actually do it to violate the FDCPA Additionally, the only reason they closed this account and sent it back to their criminal client, [redacted] ***, is because of all the legal hours and expenses I had to undertake and the money spent to send them off a full packet of materials exposing the alleged debt as a fraud All that cost me money They are responsible for that when they take on clients that know or should know have a history of illegal collection practices Again, this client has been reprimanded and punished/fines by the Attorney General previously I know for a fact that NRA was aware of that fact And that is the final point here, knowing that, NRA then took upon themselves a duty to verify such a clients alleged debts or else they become a principle to that clients actions [redacted] ***'s actions are without question criminal at this point NRA can't accept account from this criminal client; make money hand over fist with them, then claim "willful blindness" when their criminal behavior and their actions in violation of the FDCPA get exposed NRA's responses have frankly been extremely arrogant and dismissive The choice is simple- they can either step up and resolve this here and now, or I will file a lawsuit against them in FL and they can come here and defendI frankly don't care at this point Regards, [redacted] ***

Dear [redacted] We are in receipt of the complaint and offer the following as our response to same.Upon receipt of the complaint, our office reached out to the creditor to confirm if this was paid or if was still owed According to the creditor, this consumer is still responsible for this bill The creditor advised our office that no payments were received by them.Our office has requested a copy of the itemized billing statement which will be mailed to the consumer as it contains private information In addition, the account has been marked as disputed and not to be called.If the consumer wishes to speak to a representative in our office she may call [redacted] or send mail to [redacted] Sincerely,Ashley C [redacted] Esq.Director of Legal and Compliance

Dear [redacted] ,Our office is in receipt of your correspondence regarding the above-referenced complaint.Our office has reviewed it's records and determined that we had spoken to the consumer regarding this account previouslyWe also had previously sent out an itemized bill regarding this account at consumer's request on May 5, Furthermore, our agent provided the consumer with all of the account information at the time of the callWe have marked this account as disputed in our office.Should you have any questions regarding this matter, please feel free to contact our office.Best Regards,Benjamin C [redacted]

Dear ***:We are in receipt of the consumer's rejection to our initial responseWe offer the following as our response to the rejection.First, I have conferred with the Human Resources Department who re-confirmed what I stated previouslyWe do not employ anyone with the name [redacted] ***.Second, the telephone number that the consumer received the telephone call from is not a telephone utilized by NRA Group, LLC This information was confirmed with the IT Department.Third, the account number provided does not match one in our system.We understand the Complainant's frustration but the information provided above and provided are not "lies" to "save our hides." The claims have been thoroughly investigated with multiple departments to ensure that all information previously provided was accurate and verified.The individual contacting the consumer is not an employee of NRA Group, LLC and NRA Group, LLC has not been in contact with the consumer Sincerely, [redacted] , EsquireCorporate Counsel and Compliance Officer

Dear [redacted] ,As stated in our last response, we are unable to comment publicly on the complaint due to various federal laws and regulations If the consumer provides consent for NRA Group to discuss this matter through the Revdex.com website then we will be happy to provide additional comments and/or insight.If the consumer wishes he may communicate directly with our office as well by calling 800-360-or via email to [email protected],Ashley *C***, Esq.Director of Compliance and Legal

Dear [redacted] ,We are in receipt of the complaint.At this time, we are unable to acknowledge accounts that may be associated with this consumer This is to maintain confidentiality in accordance with the Fair Debt Collection Practices Act (FDCPA) as well as the Health Insurance Portability and Accountability Act (HIPAA), if applicableIf the consumer would like to contact our agency, he may do so by sending us mail to P.OBox ***, Harrisburg, PA [redacted] Or he may send us an email to [email protected] you.Sincerely,Ashley *C***, Esq.Director of Legal and Compliance

Dear [redacted] ,Our office is in receipt of your correspondence regarding the above-referenced complaint In acknowledgment of the complaint and to maintain client satisfaction, the referenced account was closed in our office and returned to the creditor Since the account was only assigned to us for purposes of collection, we have no control over whether the creditor will pursue collection of this account by placing it with another collection agency or law firmShould you have any questions regarding this matter, please feel free to contact our office Sincerely, Ashley *C***, Esquire Director of Legal and Compliance / [redacted] Style Definitions */ Read More Customer Complaints: > >> $(function () { $('.complaint-block a[data-toggle=collapse]').click(function () { $(this).text($(this).text() == $(this).attr('data-close-text') ? $(this).attr('data-open-text') : $(this).attr('data-close-text')); }); $('.complaint-block .collapse').collapse({ toggle: }); $.each($('.complaint-block a[data-toggle=collapse]'), function (index, value) { $(value).text($(value).attr('data-close-text')); }) });

Dear ***:We are in receipt of the complaint dated May 27, Please accept the following as a response to same.We appreciate the consumer bringing her concerns to the attention of the Revdex.com and we will investigate the allegationsOur representatives are trained to allow the consumer to speak and if there is an allegation of fraud or identity theft to request certain items to verify the claim made.In this instance, the consumer indicates that she does have documentation proving the identity theftWe would kindly request that these documents be forwarded to our attention as soon as possible so we may update the account accordinglyAt this time, the account is in a do not call status and it is marked as disputedThe documentation requested may be sent to our mailing address at P.OBox 67015, Harrisburg, PA 17106-and should reference NRA ID 35870WOr the documents may be faxed to 800-360-The documents may also be emailed to our office at [email protected] Sincerely, [redacted] , EsquireCorporate Counsel and Compliance Officer

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I emailed to Revdex.com last week as requested copies of payments made for March, April and May - the person responding has again failed to acknowledge these payments were made and report said payments accordingly [redacted] has been notified directly about supposedly not reporting my payments to this collection agency They were supposedly looking into it as of a week ago I want proof payments have been reported to all bureaus from this collection agency If it expedites the reporting, payments made out to [redacted] can be sent to this collection agency Regards, [redacted]

Dear [redacted] :We are in receipt of the consumer's complaint and offer the following as our response to same.Upon receipt of the complaint, our office contacted the creditor and advised of the consumer's dispute The creditor advised our office on April 17, that the account was placed in our office in error and that we should close the account.The account was closed and returned on the same date as the creditor's request A closure letter has been requested to be sent to the consumer's address as provided in his ComplaintThis will arrive in a white envelope with a Harrisburg, PA post office box number in the upper left hand corner.If the consumer has any additional questions, he may contact our office ###-###-#### or via email at [redacted] Sincerely,Ashley AC***, Esq.Compliance Officer

Dear [redacted] , Our office is in receipt of your correspondence regarding the above-referenced complaint Our office received this complaint directly from the consumer of the alleged account on April 28, In response to Ms [redacted] ’s complaint, we have forwarded the matter to our compliance department for review We have also requested that the account be deleted from any consumer reporting agency files to which we have submitted information Consumer reporting agencies may take to days to update consumer reports and this is also beyond our controlIf consumer would like to expedite the removal of these tradelines, then we advise that she file a consumer dispute with the credit reporting agencyThis will prompt a review of any disputed tradelines at which time our office will report the alleged account as appropriate under the federal law Should you have any questions regarding this matter, please feel free to contact our officeBest Regards, Benjamin C [redacted]

Dear [redacted] ,Our office is in receipt of your correspondence regarding the above-referenced complaintIn acknowledgment of the complaint and to maintain client satisfaction, we have requested that the account be deleted from any consumer reporting agency files to which we have submitted information Consumer reporting agencies may take to days to update consumer reports and this is also beyond our controlIf the consumer would like to expedite this process, we recommend that they file a tradeline dispute with the reporting agenciesThis will prompt a review of any disputed tradelines at which time our office will report that the accounts have been requested to be deletedShould you have any questions regarding this matter, please feel free to contact our office.Best Regards, Benjamin C [redacted]

Dear [redacted] ,We are in receipt of the consumer's rejection to our responseWe offer the following information to same.The consumer was mailed two letters to two addresses The first letter was sent 8/15/and the second letter was mailed out 11/12/ After that the consumer disputed the information with our office and documentation from the creditor was mailed out on 3/25/and 5/25/This information also went to a now outdated address in both instances.We have updated our records to match the address on the consumer's complaintWe have requested a new letter be sent and will follow up that letter with the requested documentation from the creditorShould the consumer have any questions he may contact our office by calling 800-360-4319, via email to [email protected], or via mail to P.OBox ***, Harrisburg, PA 17106-7015.Sincerely,Ashley ** C***, Esq.Director of Legal and Compliance

The complainant previously filed a complaint with the Revdex.com on February 13, Revdex.com ID number [redacted] Our agency filed its response on February 14, and provided an overview of the entire account history A copy of our response and the original complaint is attached for review The facts have not changed from this original documentation except that additional verification of the alleged account was provided to the consumer via U.SPostal Service, certified, first class mailThe letter was signed for on February 20, by " [redacted] ." Our response was rejected by the consumer on February 19, because according to her rejection it was the first time she had requested "full" validation As outlined in our original response and our response to the rejection on February 23, we have provided the requested documentationAgain this documentation was mailed via certified mail and was signed for on February 20, We enclose this response and rejection for review In the current complaint the consumer is again claiming not to have received verification and it was requested in 2010/As was indicated above, this has been mailed out repeatedly to the consumerAs the information is confidential and private we are unable to disclose it via the Revdex.com site The account is in a do not call status, although no calls have made on this account since October 4, In addition, the accounts are still in a dispute status and will remain in this status Sincerely, [redacted] Esquire Corporate Counsel

Dear [redacted] ,We are in receipt of the complaint and provide the following response to same.Based on the information provided, we are unable to locate any information in our office If the consumer wishes to provide additional information, the consumer may contact our office via telephone at ###-###-####, via email to [email protected], or via mail to P.OBox ***, Harrisburg, PA [redacted] Should you have any additional questions please do not hesitate to contact our office.Sincerely,Ashley *C***, Esq.Director of Legal and Compliance

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: I have had zero communication from this business since opening this complaintThey stated that they would contact me but that has not happenedThe debt is not valid and needs to be taken off my credit report Regards, [redacted]