National Enterprise Systems

Richard Price was very rude to me because I told him that Stephanie Williams was not living and he called me a lier in so many ways. Sorry to tell you but we cannot come up with the money as she has told him. It is not that she will not ask she has but we do not have the finaces. He has no right to yell and scream at her and tell her to pone off her belongings and that is not going to happen. She has nothing to pone she barely has the things for her and he unborn child. He is going to cause her illness with the unborn child if he keeps harrassing her and then I WILL BE CONTACTING MY LAWYER IF THIS HAPPENS.

I would appreciate if you take care of this matter because with economy these days no one is making it.

She has tried to get the money and now since she has tried she should have an apology from Richard Price.

Dianna WIlliams
937-235-1531

This company has employees who have violated my rights. I get phone calls from Samantha Jordan. She lies to me and says she is mailing me information reguarding the debt. Yet almost one month later I have recieved nothing in the mail. Ms. jordan has threatened me and harrassed me saying that she is going to guarnish my wages, yet has continued to call and has yet to take any action. I have been bullied and reduced to tears because my finances have changed with the ever changing econmoy. If National Enterprise Systems would take payments of less than $500/month, they might get somewhere. I deserve an appology for the way I have been violated! I plan to file a complaint with the fair debt collections act because my rights have been violated!!

this person has been threatening me if i don\'t make a payment that they will sue me i did offer to make a payment but he wants me to make a payment that i can not afford the will not make paymnet arrangmets they are impossible they said if i dont pay 400 by this month they will sue can they really sue someone for 400 dollars.

NES does take payments of less than 500 dollars a month. Don't be bullied by them. I have a debt with them and I got a seemingly sane person on the phone who seemed somewhat straightforward with me and accepted a payment of 50 dollars a month on the account. I'm sure this is a fluke as I have heard endless stories about this company and I believe every one of them. I am expecting some kind of ridiculous amount to be debited from my account, in which case I will sue the living piss out of them. In the meantime just stay calm and be nice to them and record them whenever you can. This will help you in the future if they try to scam you because I guarantee they will change their terms with every call.

I called NES today on my brothers behalf to try and work out a payment plan for my brothers debt. Sarah Waters was very rude and would not explain anything to us. She treated us like we were stupid when we asked questions about how how the options worked she told us to be quiet and stop interrupting her. She then said, "I'm just going to transfer you to my supervisor". The supervisor Mitch Jacobs was even more rude and then had the nerve to say that WE were being rude to his representative. He was angry that I was calling on my brothers behalf. He then told ME to pay for my brothers debt. He asked why I was helping my brother and then proceded to ask, "Is your brother just incompetent or something, he must not know how to talk on the phone I guess". When he said this he was yelling at me over the phone, I was pretty much in tears by this point. I replied by saying that my brother is very stressed out and has many bills in collections right now and I am just trying to help him out and relieve some of the stress off him. Then Mitch Jacobs still yelling over the phone at me replied with " What are you, his little miss financial supervisor or something?" Not being able to handle the harrassment anymore I told him that we are just trying to work out some kind of payment plan and from this moment on 'I' will be recording this call. After this he was a little less rude, go figure, because he knew the way he was acting was uncalled for and out of hand. After all of this they were still unwilling to work out any resolution with us. That might possibly be because they took all our options away that they offered because they said that 'I' was rude. So apparently if they don't feel like talking to you anymore they can just give the case back to citi bank to take care of. I will be making a complaint against this company and these two people.

My wife just got a phone (2/25/09) call from this company in regards to a debt that has lapsed in payment. ROXY (was her name) began attacking my wife as to negligence about paying the bill. My wife tried to explain our financial hardships, 4 children, and tried make suggestions as to what we can do get current and ROXY continued to attack and refuted any payment options under $2000.00 dollars a month. After making several personal attacking comments (including "you should have thought about your kids before you made this debt" and screaming at my wife, i took the phone before my wife went nuts on ROXY and tried to calm the situation. ROXY proceeded to do the same to me insulting my wife's ethics, "she does not want to pay just admit it, i will freeze your bank accounts, i will garnish your wages, i will sue you, I will call your HR department now" and on. She refused payment arrangements with me below $1000.00 and told me that we really dont care. I asked her to work with us as the economy is rough on all of us. ROXY responded "ALL of us dont owe money, you do, so dont talk me about the economy". I told her if she did not want to work with us, that is her option and she said she did not as we were not paying what she wanted and would not try and find a common ground even as we offered automatic draft to make payments. We later called NES back and found that there is a common ground and that someone else very nice, bent on collecting the debt began helping us. This practice of harrassment (especially being the first contact, and no documentation that we have recieved yet) is unacceptable and violates basic decent behavior.

I too met the NES yesterday through representative Kim James. She sounded like a highschool sophmore reciting a script LOADED with heavy legal jargon. I honestly couldn't take her seriously by her rapid fire accusations and threats of litigation concerning my outstanding balance with Bank of America. I was given 4 different deadlines to pay 3 different totals. Her favorite one to refer to was the total balance being paid by the end of the business day, which for her was 9 min from when she made her point that she was actually looking to collect money. She initially introduced herself as a legal advisor inquiring who would be representing me in court this coming Tuesday. I immediately felt in my spirit that these were bully tactics intended to have me react rather than respond. I'm collecting as much information as I can, per my family attourney, while making it clear that calls are being recorded and legal counsel is being offered. We shall see if they want to play ball fairly in coming days/ weeks. So far, they're pushing their luck with personal attacks and commentary that won't get them any closer to collecting than an amateur pick pocket on Marine. It's terrible the way they conduct business.

This call/message was so bazaar (and potentially illegal) that we have to document it:

The message was from a Kevin McCoy who indicated that he had received a FedEx with "information" this morning and wanted to make sure everyone was on the same page. Kevin McCoy continued to indicate that he would be "downtown" tomorrow at 10:30 AM (03/25/09) but there were still options available and that he expected a phone call back at 800-925-6141 x1403.

We downloaded this message off the answering system, took the person's name off that Kevin McCoy was looking for (wrong number) and let several people in the office listen to the message to get their reaction and opinion. They all agree that Kevin McCoy of National Enterprise Solutions was covertly passing himself off as an attorney or paralegal in the city or state that this roll-over phone number for our business is located. It was also brought to our attention from one lady that Kevin McCoy stumbled and sounded stressed through parts of the message, which generally indicates lying or undue stress with a situation.

We are turning this recording over to our legal department, and it will be their decision to forward Kevin's message on behalf of NES our state and federal agencies.

Beware!

My first call with NES was in Feb 2009. They demanded that my husband give his bank info. over the phone. He called me @ work and asked that I look into this collection agency. I was floored to read all the comments left by the victims of NES. I have never denied the debt that my husband and I owe. I made several phone calls to NES for payment arragements and I always get a NO and then I get passed on to a SUPERVISOR. Its so funny the tactics they try to use. I hope everyone out there does not fall under the pressure of this agency. Its hard to pay a debt to people who mail nothing, but say they did, use fake names, and say there is a claim against you? I can't help but laugh.....I've delt with Tyra, Mitch, Mark, Steve, Paul. I get passed around. Lol

Funny to hear that NES uses just about the same tactics on everyone, they called my brothers girlfriend said that was the contact number they had for me thats odd because I have never used their phone number for anything not even on an job application as a reference, lol

This company called me this morning, claiming I owe 10,000.00, etc. Murray gave me only half an hour to find someone to pay this amount in full or he is filing a lawsuit against me and will garnish my wages by 35% or more. For one I do not owe an amount like this in any way shape or form! His tactics are pathetic. He told me the file had just landed on his desk at 8:15 am today and that he's filing suit today if I don't pay in full today!
I asked him politely to mail me a copy of the bill so I can see for myself in black and white exactly what the account is. He told me they can't do that, they can only do a fax or email. I insisted upon a letter from him and he insists they cannot do that. He then asked me why I needed to "see" it and argued with me that there is not wnough time as he's filing suit today. He would not even give me and account number for this, only a company name.

I was intially contacted for a debt on behalf of Verizon Wireless via phone in an abusive and hostile manner, along with threats and refusal of written validation. This company needs to be stopped.

I thought I was the only one who was treated this way and felt a little angry. Now, after reading all of this I kind of just giggle. How can a company expect to harrass all of these people and still think they are just doing their jobs? They have no right to belittle me or anyone else for that matter with a debt that they will not supply information for. I called to see what the recorded message left on my machine was about and when I tried to talk to Margaret, she was quick to demand money and when I said I couldn't pay the full amount, she hung up on me. I tried to call back three times before someone answered again and they hung up again when I couldn't pay the full amount. I tried...

All the automated messages are illegal. Per FDCPA and the case of Foti v. NCO Financial Systems - even automated messages as well as messages left by a person from a 3rd party debt collector must state who the call is for and have a disclosue in the course of the message to advise anyone who is not the debtor a chance to stop listening. Then it is to proceed with the nature of the call being to collect a debt, no other info allowed to be given - i.e. casenumbers, legal terms, ramifications, or any sense of urgency) and the identity of the company and the call back number. You can contact a lawyer. If you do want to consult a lawyer, be sure that keep all recorded messages and phone logs of when their "unknown caller" status shows on the screen. If you do happen to talk to someone on the phone don't give in to any demands and record the call. WARNING! If you do record the call be sure that you live in a 1 part state - that means a state that only one party has to know about the act of a recording. If you live in a 2 party state then you should advise the person on the end that you are recording the call. Most judges arepretty lenient if you record a call from a debt collector, even if you don't state that purpose, but you never want to take your chances against these slimeballs.

wow! im glad to see im not the only person being tormented by NES! why doesn't someone put a stop to this company? its ridiculous how they talk to people. they want me to delay paying my rent and pay them each month! I was laid off in June 2008 and have been employed now for 4 months. I told them I can make payments but I don't have 4800.00 upfront to settle my debt! geez can I get a break?! stop yelling at me!! Im thinking about sending them what I can afford until I get on my feet financially but 4800.00 I don't have in one payment!!

I paid them and it still says I have a balance with Verizon. When will this end!!

is there any way to get these people to stop calling? i'm making monthly payments but they still keep calling,and they are also harassing my mother who has NOTHING to do with my debt,they keep telling her that i gave them her phone number,which i did not!.....any relief PLEASE

They have called other people looking for me. I have never talked to them. I would advise them to get in touch with me personally before they call other people.

my landlord got a call from nes saying that he is responsible for my dental bill at aspen dental. we spoke to tim shaw in solon ohio. he asked my landlord if i was black, because blacks never pay their bills which is definately racism. he told my landlord he is a lawyer and will be suing him by the next business day if he didnt get results. 1st off i only owe about 7hundred dollars butthey want us to send 2480.00. not only am i suing this company for a wrong amount but im suing for this man impersinating an attorney and being extremely racist. justice coming soon everyone.he also told me when i returned the call that im poor and a dead beat. not to mention my landlord is elderly and has aheart problem. this guy made him start having chest pains. hold on to all because this will end.

NES FIRED ME FOR SAYING WORDS THAT THEY TOLD ME TO SAY. ONLY REASON I WAS FIRED WAS BECAUSE A COMPLAINT WAS BEING FILED AND THEY HAD TO TAKE ACTION AGAINST ME, TO PROTECT THEIRSELVES

NES calls here multiple times everyday with an automated message from "Roger Thompson". Then when I call back, nobody ever picks up. I love it because my family doesn't owe them a dime. NES owes me money for waking me up this morning.

Got a call from Susan from NES for a student loan that when into default. I was fully aware of it as i was unemployed for 10 months last year. I wanted to make payment arangement she told me i needed to pay the full 11,000.00 today or at least 10%. I told her i couldnt, asked her to send me info in the mail, she told me no. Evry time i try to speak, she talks over me. The funny thing is i work for a lawfirm that deals with FDCPA violations and i am just waiting for these pepole to really slip up so i can sue them.

Got a call today, Screw these jerks!

Hi, I had an account with National Enterprise Systems for a balance due on a Bank of America credit card, now, one month later I got something from Creditors Financial Group for the same balance for the same credit card. Is this the same company? Who do I pay? What is going on? Thank you!

This company has been calling and calling. I have multiple names of people from NES. No one will work with at all!! They claim they have mailed me a letter when they took the account on September 10, 2009. I have nothing from them at all. I called the other company that has it and they said they sold it to themon that same day. I have worked out other arrangements with my cards and they refuse! They want their clients money now or else is all I keep hearing. No one knows what is going on but they sure know how to harrass people and demand money. What am I suppose to do??

These collections agents are collecting MEGA BUX in bonuses and percentages of what they collect in daily/weekly quotas. They could care less about making or accepting payment arrangements - all they care about is HARRASSEMENT and their daily goals to collect and get paid. They are simply pea-brains, piss-ants and should be jailed.

I initiated a phone call to find out the exact amount I owed. I made called first to WaMooooo, then to Chase, then to 4 other phone numbers that I referred to. (I have NEVER received any mail from these sleeze-bags). I owe a credit card bill for a whopping $250.00 which I have explained that I would pay within 7 days. I was asked for my bank account information, which I would not give them because I know they will attempt to draw these funds from it. I was asked at least 25+ times why I cannot just pay it with a check by phone -- even to post date it -- which I would not agree to. Within my agreement of 7 day payment in full I continue to get harassing phone calls. In so many words been called a dead-beat¨ because I made the debt, to which I had already admitted to making. I spoke very clearly, in English, and repeated myself like I said at least 25 times within the same 30 minute conversation. I finally said I had nothing more to say and had to get back to work, said good-bye and hung up. BTW: The first Agent of NES was so insulting and totally would not accept anything but a check by phone that I had to hang up on him. This is when his supervisor (HAH!!!), Michael Northwood, called me right back to further being a non-accepting, insulting, harassing ass. Guess the first jerk and supervisor guy will have to split the commissions on my account.

I am sending a letter to every state government official (real officials), i.e., Governor, Lieutenant Governor, Attorney General, Auditor of State, Secretary of State, State Agencies, Departments and Boards and Commissions, Treasurer of State, Supreme Court of Ohio, Courts of Common Pleas, District Courts of Appeal, Ohio House of Representatives, Ohio Senate, etc. and the same for the State of California. I will furnish all the Internet sites I can find with the same complaints as stated on this site. FYI: Complaints for this scumbag company can be made @ http://www.ohioattorneygeneral.gov/ConsumerComplaint

would like to know what this place is

Just wontering what you are

I cant believe my eyes reading these comments! Im so sorry u had to go thru this horror, my experience wasnt as bad! I cosigned on a student loan, n had an agent by the name of Linda call me, explained that the loan was in default and the balance is now due, well I was surprise because the balance was over 41,000. now who has that kind of money laying around? She ended up settling my account for me, she was very helpful and pleasant! I thank God I didnt have any of these other agents call me or else I probably would of had a heart attack!oh and her ext was 1287 if you do have to go thru this company to resolve your debt call her she wont be as horrible as these others agents !!! GOOD LUCK!

I asked them NOT to call me at work and they continue...I sent them the demand in writing the next call I get from them at work will resort in a suit being filed against that company... all our calls are recorded at my job.....

I too like many others have been harassed by these people. They called my workplace demanding that I set up a payment arrangement of more than I could afford, when I offered to pay what I could, it wasn't good enough, I made one payment, and have another one they want by the end of this month. However I never ,like a lot of you , received anything in the mail from them. I am about to call them and tell them , if I don't get something in writing, they will get no more from me. I explained that I was a single mom with three kids struggling to make ends meet, and they outright accused me of simply not wanting to pay the debt. I will be letting you all know how this phone call goes today. I am sure I will be passed around from one person to the next...

On November 10, 2009 I received a call from a lady who stated she was from "The offices of National Enterprise Systems to collect a debt and letting you know we will be suing you if you cannot pay your account in full for your Sallie Mae account. If you cannot make a payment, Sallie Mae will sue you and you will not be notified." I can't remember her name because she scared me into thinking I was going to be sued by the Government! On November 13, 2009 I received another phone call from a different woman, her name is Brooke Taylor, she seemed more reasonable, however, introduced herself the same way. She said Sallie Mae was willing to settle for this account for $2940 if I could come up with something that same day. I paid $200 over the phone and she setup the rest of the balance for November 23, 2009. I told her I know I cannot come up with $2740 by that day, she said she was going to set it up anyway. She would get on and off the phone and put me on hold to make it seem that she was talking to Sallie Mae. On 11/23 I made another payment of $600 and she tried to threaten me about being sued again. So I told her I was looking into putting the title on my car as collateral for a loan. On Wednesday, 11/25, I called her and told her I was denied and didn't have the remainder of the money, $2140. By this time, I had done my homework. I wrote a letter of cooperation admitting that I would pay this off in payments because that's what I was told by an attorney friend of mine. I sent it certified that same morning. Brooke told me," You need to come up with the money because you agreed to it. I don't care what you do, but you better have the money in your bank account by Friday because we're collecting." I told her she will be receiving a certified letter on upcoming Tuesday (make sure it's signed and certified to cover yourself by law) and she got really irrate with me. Before the conversation ended she said,"The money better be in there because it doesn't look good for you." Oh yeah, and I forgot to tell you the debt is 12 years old. They cannot take me to court for a debt older than 10 years old according the the "time-barred" law. I find this company to use unprofessional and illegal tactics. It's a form of humanistic abuse that nobody deserves. I know if we have debts, we need to pay them off, but NOBODY deserves to be treated like the less than a human. I would encourage everyone who has encountered them to file a complaint to the Federal Trade Commission and the Ohio State Attorney General for impersonating a law firm (which is illegal) and saying that you will be sued (the only ones who can say that are attorneys, not collectors by law) by a government agency.

These people work on ear and ignorance. They play the numbers game and prey on people like you. They usually do not litigate. They have so many people to collect from that they cannot spend time on each and every case. So here is what you do. By law you have a right to VALIDATION.
send them the following letter certified and FAX it too if you can:

date
your name
address
National Enterprise Systems
29125 Solon Road
Solon Oh 44139-3442
Re: Acct #_________

Dear NES:
This letter is being sent to you in response to a notice phone call sent to me or made on date____. Please be advised that this is not a refusal to pay but a notice sent pursuant to the Fair Debt Collection Practice Act, 15 USC 1692(g) that your claim is disputed and validation is requested.
This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION made pursuant to the above named title and section. I respectfully request that your offices provide me with competent evidence that I have a legal obligation to pay you.
Please provide me with the following:
1) a simple accounting of the debt as to principal, interest , penalties and any other fees associated with this debt
2) The original account number
3)On the original creditor's letterhead a written statement that they have either sold, assigned or hired your firm to take over or collect this debt. NES letterhead or verbal communication is not sufficient proof.
4) Proof that you are licensed in my state to collect debt.
5) Your license number and registered agent.

Your anticipated cooperation in this regard is greatly appreciated.

Sincerely,

(Your Signature)_______
(Your Name)_________


They must provide all this information before they can sue you. They are lazy and often do not follow through. Or they give you some of the information but not all of it. The best part is that most of the time they cannot get a letter from the original creditor (on that original creditor's letterhead) to show that they are authorized to collect the debt.
Also in this economy almost every credit card company out there will negotiate a reduction of debt or a payment plan. In general you can reduce what you owe down to as much as 20 cents on the dollar with the average being around 35 cents on the dollar. just deal directly with the credit card company and bypass the collection agencies. the credit card companies are suffering along with every one else and are making deals every day for cash flow. You can even negotiate a payment plan on the reduced amount.
JUST don't give up or give in.
I have my own accounting firm and have been helping too many of my clients navigate these credit nightmares for the last few years.
YOU HAVE RIGHTS and options.
Never argue with credit collectors. Never give them personal information or bank account access. Any deals made get them in writing first before you start paying. If they won't put it writing then it is no deal. They cannot call you multiple times a day. They van only call between certain hours. They CANNOT call you at work. If they do send the a certified letter IMMEDIATELY giving them no permission to do so. Send a copy of that letter to an attorney if you have one.
Most importantly hang in there. Don't let them keep you up at night and stress you out. Learn to hang up on abusive collectors. Record calls if you can. File complaints if you can. Do not yell, scream or beg! Don't be antagonistic, threaten them, say you will sue them, report them or say that you have an attorney when you don't.
Hope this helps you.

Lenny

As a former employee of NES I want to clarify that this company will take any settlement offer. For example if you have an account with Bank of America they say they will only accept 50% settlement offer. That is garbage. They will take anything. They can accept offers all the down to 30%, but if it is under 40% it has to be approved by Bank of America..which all the time it is.
They are a bunch of hungry hounds there. You can talk to them and they say that "This settlement offer will not be good next week, you have to set it up today"..GARBAGE! You can call up at anytime and they will take your money. They are hungry money hounds and they are in it for your money. They push for you to set up payments by the 20th of each month because that is the closing date for commission checks. That is another thing..NES employees get nearly around 22% to 34% commission on accounts..depending on what state you live in.
Another off subject topic about NES is the employees that are working there. From being a past employee there I have noticed the large amount of employees that go in the parking lot and smoke up drugs, then come back in the building to collect. Kind of scary thinking that people who are under the influence of drugs are making phone calls to debtors and taking payments. Every employee that is hired by NES is "drug tested" which every employee that works there will tell you that those drug test results don't matter to NES. They will hire anyone at anytime! They have even hired individuals with criminal backgrounds. Only if the FDCPA and NES clients knew about this!

I receive calls daily from these telephone numbers 662-540-1656 and 662-540-1976. These list to a Holly Springs, MS land line. It's interesting that they are waiting and immediately ask you questions before they even identify you. Of course, the person they were looking for did not live here. These people apparently mill telephone records or something and call anyone who has called that person. I told them that they had a wrong number, and of course, as it was not for me, I didn't answer their questions.

After reading what these people attempt to do, I was told that if a debt has been written off and purchased by a collection agency, you have bad credit anyway. The idea given was not to pay the bill collectors because they bought your loan for way less. Not to say escape from your loan, but with the bailouts and those bonuses that are being paid to the very people that bilked you in the first place, hang up on them. The bill collectors didn't pay what you owed, they are just trying to COLLECT what you owed. Do 20% of what you owed and just pay that if you want to pay them. Don't jeapordize your family just to pay a bill collector, unless it's the roof over your head. Watch Matt Lauer and Hoda and Kathy Lee....whatever channel they come on in the morning. The financial analysts said don't pay a written off credit card bill. They give good advice for struggling Americans that are barely making it.