NRA Group

Dear ***,Our office is in receipt of the complaint. Please accept the following as our response to the complaint.The account referenced by the consumer was closed in our office and returned to the creditor on September 15, 2010. It was also
requested for removal from the credit bureau report at the same time. Our office requested a closure letter and sent this to the consumer's address on file which can be used to show that the account is no longer active in our office.If the item is still appearing on the consumer's credit report, we recommend filing a consumer dispute to prompt a review of the account with their offices.Should you have any questions for our office please do not hesitate to contact us at ###-###-#### or via mail at P.OBox ***, Harrisburg, PA ***.Sincerely,Ashley *C***, EsquireCorporate Counsel and Compliance Officer

Dear ***,We are in receipt of the above referenced complaint and submit the following response to same.Upon receipt of the complaint our office reviewed the call recording with the consumer. We determined that a refund was in order for the $fee as the representative should have
advised of this fee prior to accepting any payment. While we are not admitting any wrongdoing on the part of the representative, we want the consumer to know we take the complaint serious and are honoring her request on a limited basisThe money was refunded back to the consumer today. The account has been marked as paid in full and will be updated as such with the creditor and with any consume reporting agencies.Should the consumer have any questions she may contact our office by calling ###-###-####, send mail to PO Box 67015, Harrisburg, PA 17106-7015, or via email to [email protected],Ashley C***, Esq.Director of Legal and Compliance

*** ***We are in receipt of the Complaint and offering the following information as a response to same.The original balance of each account referenced was $ It is unclear why the consumer was informed or believed that the original balance for each account was $- this amount
is the balance for only one of the individual accounts on each consumer account.After reviewing the accounts with the Director of Payment Processing, it was determined that if the consumer was thinking the original balance was $then total payments of $would result in an overpayment of $for each account which would total $ Upon further review, and because the balance was incorrect from the beginning, the consumer actually owes NRA Group an additional $for both accounts.I have requested a statement for each account be mailed to the consumer which will have this information provided in more detail.Should the consumer wish to discuss this with our office she may contact our office at ***, via email at *** ** *** *** ** *** *** *** *** ** ***Sincerely,Ashley AC*** ***
*** ** *** *** ***

Dear ***:Our office is in receipt of the complaint dated October 8, 2014. The consumer also filed a complaint with the CFPB on October 15, 2014. This complaint was responded to on October 28, 2014.Our office provided the consumer
with information regarding that complaint, which is substantially the same as this complaint, in our response on October 28, 2014. We also provided the consumer with documentation provided by the creditor to our office as verification of the alleged account.The account remains in a do not call status and is marked as a dispute.Should you have any further questions please feel free to contact our office.Sincerely,Ashley ** C***, Esq.Corporate Counsel and Compliance Officer

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]
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,
*** ***

Dear ***, Our office is in receipt of your correspondence regarding the above-referenced complaintIn 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 firmWe have also requested that the account be deleted from any consumer reporting agency files to which we have submitted informationConsumer reporting agencies may take to days to update consumer reports and this is also beyond our controlShould you have any questions regarding this matter, please feel free to contact our office.Best Regards,Benjamin C***

Dear ***,We are in receipt of the consumer's complaint and off the following as our response.The consumer spoke to a representative the same date as he filed the complaint. The representative advised him to send a self-addressed stamped envelope
to our post office box and a receipt would be mailed back to him. The receipt was printed and mailed on April 9, 2015. The letters have not been returned to our office as of this date and therefore we are assuming the same have been received.If the consumer has any additional questions he may contact our office by calling ###-###-####.Sincerely,Ashley *C***, Esq.Compliance Officer

Dear ***,
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 officeSincerely,
Ashley C***, EsqDirector of Legal and Compliance

Dear ***,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 ***. Should you have any additional questions please do not hesitate to contact our office.Sincerely,Ashley *C***, Esq.Director of Legal and Compliance

Dear ***,Upon receipt of the consumer's rejection, our office provided the additional information to the creditor for further instruction and/or information on this account.To date we have not received a response to this information and therefore the account has been closed, returned to the creditor, and requested for deletion from credit bureau reportPlease note that the credit reporting agencies can take up to days to remove items that have been requested for deletion. Should you have any further 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: ***
I am rejecting this response because:
This company has POOR business practices I do not understand why if they are a legitimate business/collection agency how and why they can not send a duplicate copy of a invoice to me when I NEVER received the original With all of the scams going on with phone calls now, I am confused as to why this company could not clearly send out another copy instead of telling me it's against their policy They acknowledged they have no control over the mail
System, so WHY COULDN'T I GET another copy? They just put it on my credit- which caused me to NOT BE ABLE to close on my house that I recently purchased! They caused great financial harm, all for not sending me a duplicate copy of a invoice with their name on it, there ability to collect this debt- NOTHING! This is a disgrace to consumers- as they should legally be required to send another copy!
Regards,
*** ***

[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: ***
I am rejecting this response because: my account as being marked as a disputed account If I do not dispute the amount owed and am making regular payments on the balance why is the account categorized this way? The account is active and I should not be forced into authorizing an automatic withdrawal because of the language used to describe accounts where regular payments are made via check
Regards,
*** ***

*** ***, Our office is in receipt of your correspondence regarding the above-referenced complaint.Our office had previously received a dispute from the consumer regarding this account on 7/24/In response to consumer’s dispute, we reached out to creditor for supporting documentationWe will
forward this supporting documentation directly to the consumer when we are in receipt of itConsumer has indicated that account has been paid and our office would request proof of payment so that our office can close the accountConsumer can submit proof of payment via fax to our fax number *** by mailing it to *** *** *** *** ** ***, or by sending an email to ***Best Regards,Benjamin C***

Dear ***,We are in receipt of the complaint filed June 11, 2015. Please accept the following as our response to same.The account referenced in the complaint was closed from our office on May 14, at the request of the creditor. At the time that the
account was closed and returned, it was also requested for deletion from the credit bureau report. The consumer was advised of this on May 19, and twice on June 11, 2015. Upon receipt of the complaint a closure letter was sent to the consumer on June 12, indicating that the account was closed and would be deleted from the credit report. Since the filing of this complaint, the consumer has sent two emails requesting that we remove this from her credit reportAs stated, this has already been requested by our officeThe consumer needs to file a dispute with the credit reporting agency that is showing this account on her report. When asked, our office will only advise that the account should be deleted.Should you or the consumer have any questions, you may contact our office at ###-###-####.Sincerely,Ashley C***, Esq.Director of Legal and Compliance

Dear ***:Our office is in receipt of the complaint dated September 28, 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 original creditor. Since the account was only assigned to use 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 up 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***, EsquireCorporate Counsel and Compliance Officer

Dear ***:Our office is in receipt of the complaint. Please accept the following as our response to the complaint.We attempted to locate an account for this consumer by name, address and telephone number but have been unsuccessful in doing
so. If the consumer is in fact reaching NRA Group, LLC and the representatives are asking identifying questions then this is done to confirm the consumer's identity and to ensure that they do not disclose any personal information.At this time, we are unable to investigate the complaint any furtherIt will be kept on file. If the consumer has any questions or concerns he may contact our office directly at ###-###-#### or via mail at P.OBox ***, Harrisburg, PA ***.Sincerely,Ashley *C***, Esq.Corporate Counsel and Compliance Officer

Dear ***,
Our office is in receipt of your correspondence regarding
the above-referenced complaintThe consumer's address was updated and a new notice is being sent to the address that we have on file, which also matches what was in the consumer's complaintThe consumer's dispute over this will be noted and we will also obtain additional about the item and mail it to the consumer's attention upon receipt from the creditorShould you have any questions
regarding this matter, please feel free to contact our office
Sincerely,
Ashley *C***, EsqDirector of Legal and Compliance

Dear ***:Our office is in receipt of the complaint dated June 3, Please accept the within as our response to same.Our representatives are trained to verify certain pieces of information, including the last four digits of a social security number, to
ensure that the proper party is on the line before disclosing any information about the personal business matter which may be placed within our office. The information that the representative was trying to verify with the complainant was for this very purposeIf the name of the individual on the other end of the line was not the correct party no additional verification would be completed as it would be a wrong number at that time.We apologize if this made the complainant feel upset but we are reviewing her allegations seriously and will ensure that proper protocol is being followed by all employees.At this time, a notation has been placed without our office not to contact the complainant due to this complaint with the Revdex.com.If the complainant wishes to speak to a representative in our office for additional information she may call ###-###-####.Sincerely,*** ** ***, EsquireCorporate Counsel and Compliance Officer

Dear ***,Our office is in receipt of your correspondence regarding the above-referenced complaint.The information requested by the consumer is not legally required under the Fair Debt Collection Practices Act ("FDCPA") or the Fair Credit Reporting Act ("FCRA") The information that was
mailed to the consumer on August 30, contained all information relevant to his account In the FTC opinion letter dated March 10, dictated by Attorney *** ** ***, he stated "...it is important that the verification of the identity of the consumer and the amount of the debt be obtained directly from the creditor Mere itemization of what the debt collector already has does not accomplish this purpose." FTC opinion letters are not considered binding authority but are persuasive This particular letter does not support the consumer's request for various items The documentation sent to him in August did come from the creditor and did verify all information (identity and amounts).If the consumer is a victim of identity fraud then he should provide our office with a copy of the police report and/or fraud affidavit so that the matter can be handled appropriately on our end At this time the information with our office has been marked as disputed and we have requested no calls be made to the consumer.Should you have any additional questions or comments please do not hesitate to contact our office.Sincerely,Ashley *C***, Esq.Director of Legal and Compliance

Dear ***, Our office is in receipt of your correspondence regarding the above-referenced complaintWe have reviewed the consumer’s complaint and our records and determined that we had sent consumer our initial notice regarding this account on February 5, Our records indicate that this
letter was not returned or forwarded to a new addressIn response to consumer’s complaint, we have marked this account to not be calledConsumer will not be receiving any more calls from our officeShould the consumer have any questions regarding the account in our office, they may contact our office by calling *** or by sending an email to [email protected] you have any questions regarding this matter, please feel free to contact our office.Best Regards,Benjamin C***