Complaints & Reviews

Rude unwarranted phone call

I was rudely awakened at 8:05 a.m. on one of my few days off by this company. (I have no unpaid debts.)
When I asked who was calling at this hour, Ms. Lott said the name of the company VERY quickly, and I believe she was trying to conceal the company name. She demanded to speak to a "Diane", to know if I was Diane, to know if I KNEW, "Diane", and when I said no, she hung up.
When I called the company, I spoke with 2 others, both of whom were very aggressive in trying to find out about Diane. They were brazenly unapologetic, and I warned that I would take action if they ever contacted me again. I think that any company that uses National Enterprise Systems to collect its debts is risking great harm to its own reputation.

Fraudsters and cheaters

I became involved with this company at the beginning of October 2008. My first contact was a very high strung woman named Nina Brown who asked me if I was aware of the pending lawsuit against me for defrauding Chase bank. I had an unpaid credit account with Chase that was closed at the beginning of the year. The debt is legitimate but this was the first I had heard of a collection attempt on the account by a third party collector. These bottom feeders had obviously brought this bad debt.

She proceeded to tell me that the lawsuit would proceed and they would garnish my wages and seize any assets I have if I did not pay the 5900 dollar balance on the account with her on he phone NOW. I told her that I did want to have this cleared up, but that I would have to make a couple of phone calls to see if I could get that together. She kept screaming at me and telling me that any hang up would result in her marking the account 'refusal to pay'. I kept repeating that I was not refusing to pay, but did need to check the status of a few things financially to see if I could pull the money together. She kept saying 'well we can go ahead and conference call your bank right now so they can give us your information'. She was insistent that I conference call my bank and if I couldn't then I did not have the money and she would proceed with the lawsuit. I finally told her that I was not willing to do anything like that and we hung up. I was extremely upset after hanging up with her.

Within moments I received another phone call from another agent with National Enterprise Systems, Al Johnson. (BTW, I think it is very shady that everyone in this company has very common last names: johnson, Brown, Jones and the like). Mr. Johnson was much calmer and quickly told me that I should ignore what the other agent said and I could settle the account for 3600 dollars. I told him I was not sure I had that and I would have to get off the phone and make some calls to see what I was able to do. He told me that it would be fine and to call him back by Friday to let him know what I wanted to do.

I did call him back stating that I was interested in th settlement but would need something in writing first. He said okay and then incessantly called me telling me that he had sent the letter, that should have received it and he needed an answer on what I wanted to do. He badgered me several times about my checking account information saying that they had to have the information to 'hold my file'. I told him I would get back to him. Well, that was not enough because he began to call every hour on he hour. I was ridiculous!

Also, at the beginning of the month he had initially contacted my parents at their house trying to get in touch with me. How he got their number I can only imagine. After this contact, my parents told me they wanted to have nothing to do with it and I told him explicitly not to contact them regarding the matter since I am 26 years old and the responsibility is mine. Here comes the BIG ONE...

After not answering the incessant phone calls for about a week, because I was drafting my debt validation letter to them and had heard NOT to talk to them on the phone, He called my parents again. Mr. Johnson told my parents that I had a debt of 5900 dollars that could be settled right now for 1500 dollars. Mr. Johnson told my mother that I had asked him to call them to take care of the balance, which I NEVER DID!

After speaking with my mother and almost getting her credit card number, my father took the phone to try to see what was going on. They told him that the account could be settled right now for an overnighted payment of 3600 dollars. With that my father tore into him and told him outright that he was breaking the law.

My father later called back and got the company's name and address so that he could file a report with the better business bureau in both my state, Georgia, and Ohio. Magically, the incessant phone calls did not occur for a day. This morning I was contacted by a new agent named Mitch who wanted to help me settle my account. Needless to say, I told him to wait for my letter and that I no longer wanted to be contacted by phone and hung up. Of course, he called right back...

This company has broken the law numerous times and violated almost every section of the Fair Debt Collection Practices Act (read this if you haven't already). I am at the point where I want to pursue a lawsuit against them and know that I have a great case based on their actions and total disregard for the law. I would be willing to participate in a class action lawsuit against them as well. This kind of behavior can not be tolerated! WE, as consumers, have a right to not be harassed. This company needs to be brought down and I would love to have a hand in their downfall.

  • Pa
    Pam Nov 19, 2008

    I am sorry about your difficulty. I dealt with them this morning myself and have never been so verbally abused and humiliated in my life. I am onboard for any action against these guys.

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  • Mi
    Michael Nov 23, 2008

    National Enterprise Systems had the audacity to call my mother and leave messages on her answering machine regarding a "complaint made against you regarding alcohol abuse." I couldn't believe the nerve of these people. This is nothing short of defamation of character!

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  • Sc
    Scott Wharff Dec 04, 2008

    I am in for a class action and a lawer will be easy to find as so many people are against the practics of NES!!! Count me in. I am just finding out I have MS and i don't need them in this moment of unknown about my health! I have put a complint in with a lawyer whom is looking at my case.

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Unsolicited phone calls

I have been harassed to many times! I get back to back calls from NES everyday it's never the same person calling except i have wrote down all the names that call me and Joy is the most frequent. I called and spoke with a Patricia O'Neil, that is supposedly one of the head supervisors. I' am not even the guy they are looking for and when i tell them that they say "quit lying we know it's you" and make threats. I don't see how this company is still in business. I have went to dozens of sites and left similar complaints. I hope your right and together take this company out.

Collection Tactics

I have received exactly 1 call from National Enterprise Systems (NES). I have received no mail correspondence from them. They told me that I was "defrauding" their client. That is far from the case, and I'm not disputing the debt. What I have a problem with is the way they threaten and intimidate. When I talked to them, they told me that the debt had to be settled on the first contact (I've never heard of this). They insisted that I provide them with my bank account information, which I did after some hesitation, and after they assured me that no transaction would take place.

At first, they would not even extend me the courtesy of 24-hours to try to make some arrangements. After speaking to a "supervisor", the 24-hours was finally granted. After I was unable to come up with the funds immediately, they told me that they would file a lawsuit, against me and my wife (she has her own credit in her name, with her SSN). I'm not sure how they can do that.

They then said that "it should not take 50 calls to get to you" (keep in mind that they only called me 1 time). After that, they nastily hung up the phone on me, without any common courtesy.

The 2 NES employees that I dealt with were extremely rude, extremely discourteous, and extremely unprofessional. They don’t seem to care about anybody’s personal situation. I guess they probably work on commission.

The Better Business Bureau (bbb.org) in Ohio has given NES an “Unsatisfactory” rating.

I'm not sure how a legitimate creditor can sign on with them for their collection efforts.

I have dealt with other collection agencies, and they have been very understanding, helpful, and patient.

  • Gr
    GrammyK May 28, 2014

    Well, it looks as though I am just one of many people who have had to deal with NES. I'm not sure of the name of the woman I spoke with initially. She said that she had been frantically trying to reach me for the past 2 days. I explained that I was at WORK; WORKING! I finally caved and told her she could have 5 minutes at which point, with no notice, a man came on the phone speaking so quickly I could barely understand him. He said he was calling regarding my Sallie Mae student loans, knew I couldn't pay the monthly amount and offered me a substantially (and I do mean SUBSTANTIALLY) lower payment for 12 months. He said it would wipe it off of my credit record and would appear as though I had never defaulted and my tax returns would no longer be held. "All" I had to do was give him my banking information and make my first payment today. When I explained that I wasn't comfortable just giving out my banking information and wanted to do some investigating first he went from sounding like a jovial game show host to a sadistic A$$. I said to him that he must understand that with today's technology and all of the scams out there, I would be a fool not to do my homework first. Wow! That was it. He was ticked off and the threats just came pouring out! I was flabbergasted to say the least. I found the company and several complaints on line as I was on the phone with him. Each time he threatened me I read him another accusation related to his company. Of course that was only because they were a collection company. Ummmm...NO! Unfortunately, over my many years I have had the misfortune of having to speak with a couple of different collection companies. I have NEVER been treated that way. I have NEVER been spoken to that way. I have NEVER been threatened that way. The man I spoke with was Carmine Vincifora. If that's even his real name. I wouldn't give MY real name out if I were him. Treating people like that definitely has the potential to cause someone to snap. Not me, because I've read too much to worry about them at this point. I just hope no one else falls victim to the tactics this company is using!

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Chase bank credit card debt

On July 30, 2008, a Chase Bank representative called and ran through my outstanding balance on my credit card and informed me that the $50 I was making towards this debt was not sufficient, however if I could at least bring the payment to $140/month, it would be acceptable. I acknowledged the $50 payment and told her that I would do something. She insisted that she needed to process the payment that same day as failure to doing so would result in Chase Bank turning over my debt to attorneys. I told her that her call came in at a time I was in a meeting and was not able to excuse myself but I would submit the payment later in the day since I had access to my credit card account online. After much insistence, I ended the conversation. However, she continued to make several attempts that morning to reach me on my office phone. I did not answer any of these calls.

That afternoon I submitted the $90 payment which brought the August payment to $140. Record of some of the calls from National Enterprise Systems between August 1 and 28, 2008. Calls from NES came in almost everyday (several times a day) but these are calls that I actually spoke with an agent.

August 5, 2008 -- The caller identified himself as someone calling from a company Chase Bank had retained to process a court document against me since I was delinquent on the credit card payments. He told me that if I did not comply, I was being sued and the Maryland Courts were going to contact me. He also told me that I needed to comply and take this matter very seriously because if I didn’t, my license would be suspended. He also told me that a summons was going to be served on me at my place of work. How you want that, he said.

I explained to him the July 30 conversation with the Chase Bank representative but this didn’t help matters. After a few back and forth, phone conversation ended. A few minutes later he called again but I didn’t answer the call.

August 6, 2008 -- The caller informed me that this call was in reference to the 8/5 conversation and I was in restitution and that a lawsuit may be filed against me if I didn’t continue to comply with them.

August 8, 2008 -- The caller explained to me how consolidating all credit card debt with the Chase Bank would be to my advantage – he listed the debts. I refused to accept that offer and basically the conversation changed and during that conversation I was also informed that if I didn’t comply, NES would call my employers (HR) and report the debt I owe and threatened me saying his company would take legal action against me.

Much later into their calls, I finally received the letter from National Enterprise Systems (NES) dated August 5, 2008 informing me that their office was listed for this collection – service provider is listed as Chase Bank, account number is given and the total due with a payment coupon attached for the full amount to be paid to NES.

August 14, 2008 -- The caller on the phone began by saying that she was calling in connection with a fraud case filed and gave me a reference number -- [protected]-MD. She told me that I had committed a fraud against the Chase Bank debt. She told me that I was not a responsible customer and during the conversation she began yelling; “you are in debt, you are in debt, you are in debt, you are not responsible enough, you should be ashamed of yourself, and if you are sensible you should be paying this debt like you are doing other debts. We will file a complaint against you with your credit union and have your wage garnished. You have committed credit card fraud. She yelled out your credit will be ruined”.

I called NES to discuss the debt and payment options. I was told that NES needed the full payment and nothing less because of my behavior towards previous NES callers – NES was not willing to entertain me with any payment options.

This time around, I know the caller’s name, Ms. Heather Collin. I told Heather I didn’t have the funds to clear the amount in full but had already begun to look into different options to repay this debt. She explained to me that we could use my other credit cards since she was seeing that it had enough funds to cover the Chase Bank debt. She asked for my credit card numbers which I provided over the phone. Unfortunately, these two cards were being consolidated and the only available credit wasn’t sufficient to pay the Chase Bank debt. Nevertheless, Heather was able to process a payment to NES of $1, 042. She told me that if I could pay off over 50% of the debt NES/Chase Bank was willing to forego whatever would be balance. She asked me about my line of credit and if I could not tap into this money. Unfortunately I could not draw any funds from it. I mentioned to her that I was still awaiting a response on my application for an increase on my credit card. I also told her that I could look into refinancing my mortgage to pay off this debt but she told me that normally that took a month and it wasn’t good for them as they couldn’t afford to wait that long.

Within a few minutes, after we reconnected via phone, I told her that I had just managed to schedule a 10:30am meeting with the mortgage specialist for Monday, August 25, 2008 and would get back to her after that meeting to update her.

On Monday, August 25, 2008, my manager returned from vacation and it was not possible for me to go to my 10:30am meeting due to a busy morning. I called Heather to let her know and told her that I had rescheduled the meeting to 2:30pm the following day and we agreed that I would call later that afternoon.

On Tuesday, August 26, 2008, around 3:30pm, Heather called my house phone. My son answered the phone and she asked to speak with me but she was told I was at work; she asked how I could be reached because she had an appointment with me. When my son tried to hesitate, she demanded for a number and my son gave her my cell phone.

On Wednesday, August 27, 2008, Heather called my cell phone. I asked her how she got my number and she told me, “Well you have to understand that you are under investigation and we are obtaining all information about you including contact numbers because you are basically not complying with us”. I was really surprised at what she told me because I had already accommodated her despite the fact these calls were being made during my work hours. She knew the effort I was making to clear this debt. Moreover, in the last few days, she had just processed a payment of $1, 042. How could she turn around and say what she had just said? Well I told her that I was on the train and could not speak with her but would call her later.

When I got to work, I didn’t call her but I decided to call Federal Trade Commission and register my complaints against the actions of NES.

Later in the day, Heather called back on my office phone but I didn’t pick up the phone. She however, spoke with a co-worker and left a message with her; “Message from Ms. Heather Collin, the call is in reference to a complaint filed”. Within seconds of leaving that message, she called my cell phone but I didn’t answer.

My co-worker stopped by my office to give me the message which I found as a way of embarrassing me, degrading me and basically saying that we will get you and let your co-workers know about your private life and what is going on.

On Thursday, August 28, 2008, around 12:17pm Heather called my office phone and asked if there was any update on my meeting with the mortgage specialist. I told her about my call to FTC and the letter I had mailed to NES earlier in the day.

She became upset with me and called me a coward for taking that action to file a complaint with FTC and said that it was wrong. She also called me a liar. I told her that I didn’t have to discuss this matter anymore with her over the phone or anyone at NES and mentioned the letter I mailed to NES.

This has been a terrible experience. They tried to instill fear, intimidate me, harass me, bully me and shame me by speaking with my co-worker about my debt or anything to that effect. They tried to use any means within their reach to have me succumb to their deceptive methods of debt collection. Oftentimes even becoming aggressive and making threats which included lawsuits, arrest, and seizure of my license, reporting to my credit union to garnish my wage, calling my employers and reporting this debt; saying that I had committed credit card fraud and leaving a message with my co-worker.

  • Vs
    V Singh Sep 11, 2008

    Could you please let us know the result of your complaint to FTC regarding NES? Same thing happened to me and I think more people know about this company, better ways they 'll have to deal with them.

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  • Ak
    a k Sep 25, 2008

    If you can't afford it, then don't buy it!!! Simple.

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Someone needs to stop these people

I have had all bad experiences with NES. Since they started calling me early August, we have not been able to come to any agreement. They have threatend and informed me that they had begun legal proceedings. A summons was going to be served on me at my job. They would call HR. One lady who was yelling and screaming, was calling out saying I was in debt (many times) and that I wasn't responsible enough. She started off her call by saying that she was calling about a fraud I had committed against this debt. I was thrown off as I didn't know whether someone was committing fraud on my cards... so the story went on only to realise she was using dubious means to get me... It is a nasty company, very dishonest, very bad ways of getting people to pay their debt. Truly I have had my experiences with NES. Well, I called Chase Bank who I owe the debt and asked them for my statement since I could not pull it from online as I was turned over to NES (and I said to the man on the phone, by the way, NES is terrible). I told him that I needed to review my statement as I was no longer sure what was on it.. I also told him that I had filed a complaint against NES with FTC today and sent them a letter of cease and desist communication. The Chase guy explained basically that I was turned over because my card had charged out and that if I faxed them a copy of the letter I sent to NES, they would look at my account again and have me resume making my payments with them... What world are we living in? Is Chase Bank coniving with NES to intimidate people only to turn around if they see that things are not going well and if you mention you have reported the case to FTC? Oh yes we need immediate help...

  • Mu
    Mulenga Aug 27, 2008

    I have had all bad experiences with NES. Since they started calling me early August, we have not been able to come to any agreement. They have threatend and informed me that they had begun legal proceedings. A summons was going to be served on me at my job. They would call HR. One lady who was yelling and screaming, was calling out saying I was in debt (many times) and that I wasn't responsible enough. She started off her call by saying that she was calling about a fraud I had committed against this debt. I was thrown off as I didn't know whether someone was committing fraud on my cards... so the story went on only to realise she was using dubious means to get me... It is a nasty company, very dishonest, very bad ways of getting people to pay their debt. Truly I have had my experiences with NES. Well, I called Chase Bank who I owe the debt and asked them for my statement since I could not pull it from online as I was turned over to NES (and I said to the man on the phone, by the way, NES is terrible). I told him that I needed to review my statement as I was no longer sure what was on it.. I also told him that I had filed a complaint against NES with FTC today and sent them a letter of cease and desist communication. The Chase guy explained basically that I was turned over because my card had charged out and that if I faxed them a copy of the letter I sent to NES, they would look at my account again and have me resume making my payments with them... What world are we living in? Is Chase Bank coniving with NES to intimidate people only to turn around if they see that things are not going well and if you mention you have reported the case to FTC? Oh yes we need immediate help...

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  • Lu
    Luna Sep 03, 2008

    I get a call from National enterprise systems for last 1week. They were searching someone John, whom I never known. They were so rude that they abused verbally when I refused to know Jack. Here I have found some more stories of their abused customers. http://www.debtconsolidationcare.com/nationalenterprisesystem.html

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They call two to 3 times a day and I'm not the person they want

Will somebody please do something to these people to stop them from calling us? My wife and I are over 60 AND ARE NOT IN DEBT. They keep calling my phone number and when I call them back they yell and are rude and won't help. Why don't they send a certified letter, and then I would take it to an attorney and file suit against them. Why am I subjected to this excessive calling? Again, me and my wife are not the persons they want and they won't even listen to me over the phone. If they had any guts they would send a certified letter. I don't care if my grammar sounds bad but this is being written on the spur of the moment.

  • La
    Laurie Sep 25, 2008

    www.ftc.gov LEARN YOUR RIGHTS AND HOW TO DEAL WITH THIS.

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It is a horrible company

I am having the same problem as everyone else. They call me at work EVERY single day. I have repeatedly told them not to contact me here and have even given them other contact numbers but they said it’s easier for them to call me at work. I have had someone call me from their company saying they are the attorney for the company and will have my pay garnished IMMEDIATELY if I do not post date a check by phone payment for a balance that they cannot or will not verify for me. I hope someone takes steps against this company so they will stop harassing everyone. If you need me for the class action suit...I'm in. I have documented everything from the initial phone two months ago. And trust me...the calls have been made to me daily.

  • An
    angela Jul 24, 2008

    Help, we have a credit card from Citi bank and just haven't had the money to pay. National Enterprise systems contacted us by cell phone? how? and demanded payment in full immediately. We told them we could not pay the whole thing at once but could have the balance paid in full by October (4, 000), they refused to wait that long and said I had to make a 10% payment now and the balance had to be paid off by the end of July. I have not recieved any notice from them prior to their call or after the call. I asked them wasn't it a law that I had 30 days to respond before they could validate the claim, and was told no since they reached me by phone and told me that I owed the debt. I told them I didn't mind paying what I owed, but did want some type of letter, He said the letter was sent out on the 14th of July, but I have not recieved it yet. I asked when his company got my file and he said July 13th and if I didn't pay it immediately that they would file a judgement and ruin my credit. I asked for their western union info for future payments and was told that citi bank would not accept western union payments, I also asked about them debiting my credit card and they said citi bank would not permitt that type of payment, so I told them I couldn't pay the balance that soon, they told me that I had no choice but they would break my remaining balance up into two payment and it would have to be paid before the end of the month. what do you do?

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  • An
    angela Jul 24, 2008

    it gets better yet, I called citi bank, they said the account was sold to NES, so any reference they made to citi bank was not correct. We had another fellow call today, he said he was some other guy, but sure sounded the same as the first. I will try to call the compliance office. we again asked about the 30 day verification of debt and he got mad and said I am sure glad you asked about that in a really hateful voice and was really condisending.

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  • Al
    Alicia Sep 04, 2008

    I am having the same problem with this company. They are unlike any collection agency I have ever encountered. I have some student loan debt, and after I had my daughter, I defaulted on some of my loans. I am steadily employed now and making payments faithfully every month. Everyone else has been working with me and it finally felt like I was digging myself out of all of this student loan debt! Then yesterday, my father gets a call from National Enterprise Systems. This woman (S. Orowsky at ext 1219) left a number for me to call (after she proceeded to tell him what the call was in reference to and how much I owe. I am 25 years old, don't live with my father and he never co-signed one loan for me. But I digress). I called her back, and she proceeded to SCREAM at me. It was unbelievable. I could not get in one word. She was screaming that she was going to turn me over to my city's magistrate (which we don't have where I live) and hung up on me. I called back from my cell phone (I had called from work before) to try and work out some repayment options. She accused me of falsifying my identity because I was calling from a different area code. I was screamed at yet again and called a "federal offender". I was told that I was a "criminal against my country". When I asked to speak to a supervisor, a man got on the phone and told me that "how I was spoken to was the least of my problems" because I was going to jail. If I wasn't so frightened, I would have laughed hysterically. It was like a scene from Reno 911. I would like to work out a repayment plan, but this "corporation" is truly impossible to work with. I don't want my wages garnished, but I'm not sure what to do. Does anyone have any tips for me? Thanks so much!

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  • Sh
    Sherry Benson Oct 18, 2008

    Hello ~
    I was contacted by NES about a month ago with urgent phone messages that said I needed to respond to a pending legal matter. Upon calling them they proceeded to tell me that everything was set up to take me to court over this bill. They said that everything was in line and they had contacted my county and verified my employement. I agreed to work toward obtaining cash to begin paying off my debt. They made it sound like my window of opportunity was the last day of October. This was the timeframe allowed for me to pay off the settlement amount of $3260 instead of the entire amount of $5360. I was to keep in touch with them and inform them of my progress. I called faithfully about every other day and agreed to make an initial $500 payment set up for Fri Oct 17th. I set this up over the phone. I set this payment up with this company with good intentions to establish rapport and trust with them and to hopefully be able to continue with an honest payment plan should I not have any success in obtaining the full amnount of cash via a loan, etc. I felt I trusted them. However, they did tell me that payments were no longer allowed on my account; that they needed the full amount whether it was the settlement amount made by Oct 31 or the full amount after that date. I figured though that if I began making good sized payments that they would eventually accept that. They did have me scared though, thinking that this might not work and they might mean it if I couldn't pay in full. I wanted to avoid court at any cost. So I began working dilligently on cash possibliities. They told me to keep in touch with them on my progress. I called abou tevery other day. Each day when I called them I was told by a lady named Verena that working on obtaining cash and the pending $500 would delay the legal proceedings toward me until the end of the month. I have been pursuing other cash sources with no luck so far but have been determined and felt that I had a back up plan with getting the cash from my father-in-law as a last resort. HOWEVER, on Friday (yesterday) when I called to tell them that the funds were available to deposit my check, which they had asked me to do, they changed their tune. They gave me some lame story about how the other company (I'm not sure who they mean by this... I guess Capitol Resurgent Services who apparently had my Sears account prior to them) that my $500 payment was no longer good enough and that they'd sue if I didn't come up with the full amount within a half hour! I remained very polite and called the man sir and spoke nicely to him saying that I didn't think that was fair after they had reassured me that this initial payment would tie me over until the end of the month and supposedly until I obtained the rest of the settlement amount. (This man claimed to be president of the company and Verena had handed me over to him.) There was some discussion and I was being cooperative but he flat out hung up on me right in the middle of the conversation! i was stunned! At this time I began to realize that something did not smell right about this company and I began to have doubts about the whole thing. Tonight I have been doing research on this company and I have discovered that they are a very unscrupulous company that will start deducting unauthorized payments from accounts without the account holder's knowledge or deduct more than you tell them to, and use unscrupulous tactics etc. I had every intention of working with them because I am in a better financial situation than I was when I allowed this account to get out of hand. However, they just lost their chance when they treated me so poorly and unprofessionallyand after I read so many bad things about them. I have emailed my bank requesting a stop payment on this check as it hasn't been processed yet. I am awaiting your response on how to proceed next. I don't want to skip out of paying a bill but I feel they must be realistic. I also have doubts because at different times when I spoke to them it seemed they were giving me different amounts for the settlement and for the total amount of my bill. When I think back about a lot of things, some things just didn't seem right. I certainly don’t want money being deducted from my account that would not even get applied to my debt if they ar esome shady outfit!I am also feaful that since my check hasn't already been deposited, that they meant what they said yesterday and they are skipping my $500 payment and just suing me right away for the whole amount.I realize I've given a lot of info here, but hopefully this helps you to help me. I appreciate it very much! Thank you very much!
    Sherry K. Benson

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  • Jo
    Joshua B. P. Nov 25, 2008

    Hello,

    I just finished filing a complaint about National Enterprise (NE) in reference to collector Patricia Harris.

    The company's call is in regard to a student loan that needs to be consolidated. I have spoken with my accountant about the loan, and we've agreed to make the consolidation in May of 09'. Although, this information has been told plainly to NE I've recently received more calls about the matter. Whereafter, Patricia insisted about taking care of the matter and frantically brought up the duration of the current attorney general, then with further hostility hung up the phone. She said, "I'll deal with this later!"... then, end of conversation. At no time has Patricia been tolerable.

    Some action ought to be taken against the sheer injustice this company expounds.

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  • G
    G. Nov 26, 2008

    National Enterprise System is not a legitimate collection agency. It is a scamming company which operates on the belief that most people they call have a past due account somewhere. In this economy, that is like shooting fish in a barrel. Notice, all you suckers, that they cannot provide you with any details about your accounts which you do not provide them first (like fortune tellers).
    Do not talk to them, period. DO NOT GIVE THEM MONEY, ACCOUNT INFO, NOTHING. None of your creditors are "selling" accounts to them.
    Please register your complaint with the FCC. Being on the Do Not Call list does not protect you from these criminals.
    Beware of any message to the contrary as a planted one from NES.

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  • La
    Laura Dec 04, 2008

    my family has had several problems with National Enterprise Systems, they've been harassing us, stating i was a liar that my mom wasnt there when she had just stepped out to the store.i finally found the answer and i wanted to share with everyone who is having problems with these people. they are located in OH. call them and ask for the complaint department at 440-542-1360 or 1-877-603-7165 ex 466 4769 i hope this can help all of yall like it did for me. best of luck and happy holidays

    0 Votes
  • St
    Stop Bill Collectors Dec 24, 2008

    National Enterprise Systems has recently been sued in Federal Court for illegal collection tactics. DO NOT PAY ANYTHING TO NATIONAL ENTERPRISE SYSTEMS without calling a lawyer first. For more information, you may contact Attorney Vicki Piontek for a free consultation with no oblication.

    Sincerely,

    Vicki Piontek, Esquire
    951 Allentown Road
    Lansdale, PA 19446
    877-737-8617
    Fax: 866-408-6735
    [email protected]

    0 Votes
  • Jr
    JRC Jan 21, 2009

    It's sad, but I am one who has experienced some of the same tactics that you all are writing about. DON'T be afraid of this company. They are violating the law every day and don't care because no one is fighting them back---in the right way. The best thing for all of us to do is file a group complaint with FTC against National Enterprise Systems. This company is out of control and many (if not all) of their collection tactics are in violation of the Fair Debt Collection Reporting Act.
    1) File a complaint with the Federal Trade Commission
    2) File a complaint with your State Attorney General's Office
    3) Maybe it is a good idea to contact the attorney below who left her contact information on this site about a month ago:

    Vicki Piontek, Esquire
    951 Allentown Road
    Lansdale, PA 19446
    877-737-8617
    Fax: 866-408-6735
    [email protected]

    0 Votes
  • An
    Annonymous Feb 24, 2009

    Here's a problem with the way nes handled MY situation...not only did they call my family more than once after I repeatedly asked them NOT TO (I gave them my number several times and told them several times it was more than ok to call me at my number), they also gave specific details about MY PERSONAL INFORMATION to several family members of mine and to a friend of mine who happend to pick up the phone when she was house-sitting for me !!! -3 people who were close to me were told major details about how much was owed, when the bill was incurred, how many collection agencies it had gone through, how much they were willing to cut the amount owed by, that it was a legal matter and how I should get friends and family members involved so I could come up with a settlement amount (among OTHER details); on top of all of that, they repeatedly called my friends and family and I before 8:00 A.M. -Now, correct me if I'm wrong, but this information is PRIVATE for the intended party, ONLY !!! -Imagine having somthing as personal and private like medical informaion spilled out for everyone else to see, you know ? -Sometimes your business is YOUR BUSINESS !!! -No one, no matter who they are, has the right to blurt out monetary information about someone else to other parties !!! -And for all nes knew, they could have been speaking to ANYONE about my personal affairs ; they don't know anyone from adam when they are on the other end of the phone line !!! - I thought it was illegal for anyone to share this type of information with anyone other than ME and I know it is certianly illegal to have collection agencies call you before 8:00 A.M. your time and after 9:00 P.M. your time. -I am definitely going on thier website to register a complaint, I am going to write a formal letter of complaint to the Federal Trade Commission, I am actively looking into sueing nes in violation of the law for so willingly giving such detailed information about my situation to several, severely wrong parties and when (I don't think "if" is an issue here) there is a class action law suit that takes place, I will be there !!! -And to be honest, I am thinking very hard about how I can have the 2 nes employees that commited these violations, fired !!! -And then I hope someday that someone spills important information about them to people they know (or strangers would be ok, too) and that it breaks them !!! -What comes around, goes around...off to take care of the formal complaint about these 2 people on the nes website !!!

    0 Votes
  • Ja
    jax1204 Mar 05, 2009

    I have had problems recently with NES. I defaulted on my student loans when I had my boys and was out of work. It was sent to a collection agency and I had set of $400.00 monthly payments after giving them a lump sum of $1200.00. All was good until the CA officer I was working with left the CA (cant imagine why, what a horrible job) and the arrangement I had with them was "null and void" their words and the account was then sent to NES.
    NES initally first contacted my father, who cosigned on one of the loans, the woman after confirming that she was speaking to my father started SCREAMING at him telling him he knew that I would have to pay and they were going to sue him for thousands of dollars and put a lean on his house (the loan is for $800.00). My dad immediatly called me in concern to try and figure it out.
    I called them and spoke to the woman who I found out was named SUSAN and she then started yelling at me saying I got an education and now I was trying to get off scott free. They were going to seize my items and me my kids would be "homeless". I was really scared and hung up. After I took a deep breath I called back and told them Im willing to work out payment -I dont NOT want to pay I just want to pay a reasonable amount, but I wouldnt speak to SUSAN again. Anyhow I spoke to a woman who was much more reasonable (or so I thought). She kept asking me to go through all these hoops getting friends credit cards to make payments. We paid them through our checking account $200.00 and are due to make a $2, 000.00 payment at the end of the month until today when they called and said my original loan company is filling suit if I dont pay $9, 000.00 in 24 hrs. and pay them 25, 000.00 by the end of the month.
    Well I dont know what to do I dont have that kind of money and just want to go back to my original loan company and make monthy payments.
    Someone please help!!! Im desperate!

    0 Votes
  • Re
    Renee Mar 11, 2009

    These people at NES are calling me and my work all of the time! I'm so glad I looked on here. I am going to file a complaint immediately.

    0 Votes
  • An
    anniebug3 Apr 26, 2009

    Harrassing phone calls, calling outside of the legal 8 am-9pm calling period. Threatening to sue.

    0 Votes
  • Ei
    Eileen Findlay Apr 28, 2009

    Don't get me started on National Enterprise Systems. After cancelling our phones with Verizon Wireless, they sent our fully paid up account to National Enterprise Systems, claiming we owed them the balance of our two year contract with them for two phones...even though both accounts had expired and we hadn't renewed them. After they put it on our credit report, and charged our credit card (who rescinded the charges since Verizon couldn't prove that the charges were legit) I sent 6 letters to all of them, National Enterprise Systems, Verizon Wireless, the three credit reporting agencies and the Feds. Seems that got their attention!!! But it took almost 5 months and a lot of anger and frustrating phone calls on my part to accomplish it. The Credit Reporting Agencies are also complicit in this crap. Even though you have the evidence and show it to them, they still take the side of the vendors. Buyer beware!!! I've become a really aggressive consumer since all this happened. Check my credit report constantly and don't take any BS from any of them.

    0 Votes
  • Bo
    Bob W Jun 01, 2009

    I have no debt but this company has been calling my number that I had for over 15 years. This company would probably call the president because they do not check the information they have. They only work normal working hours, but call 7 days a week including holidays with there automated system. The leadership of this company should be fired. Anybody who uses this company should think twice before they find a lawsuit at their door.

    0 Votes
  • Je
    Jeanne' Aug 06, 2009

    My 89 year old mother's voice mail box was literally full of threatening phone calls from this company...turns out they had the wrong person. Her phone number is unlisted and they had no idea 'how they got the number but they were calling her by name. I'd LOVE to know how they got her number! Jeanne

    0 Votes
  • Ah
    AHOWSE Aug 10, 2009

    My name is Ashlie Howse, im a fromer employe @ NES. ALL OF YOU ARE RIGHT, THIS IS S HORRIBLE COMPANY TO DEAL WITH YET ALONE WORK FOR. IM SURE MANY OF YOU HAVE SPOKEN TO ME BEFORE. I WAS HIRED ON MAY 11TH 2009, I QUIT THE COMPANY AUGUST 10TH 2009. FOR REASONS BEING, THE LAW SUITS THIS COMPANY HAD WERE HORRIBLE. THE SUPERVISORS AND MANGERS, PLLAY FAVORITES. IF YOU DON'T HIT A MONTHLY GOAL OF WHAT THEY WANT YOU TO HIT THE FIRE YOU. NO WRITTEN WARINGS, JUST OUT THE DOOR, GOODBYE SEE YOU LATER, YOU CAN REAPPLY IN 6 MONTHS. WHO WOULD DO THAT. THEY BOX YOUR DESK UP WHILE YOUR IN THE OFFICE LEAVE IT AT THE DOOR AND SAY YOUR THINGS ARE OUTSIDE. THEY RECENTLY LOST TWO CLIENTS CITI BANK AND DISCOVER, WHY BECAUSE THEIR COLLECTORS TREAT THE DEBTORS LIKE ANIMALS. THEY DO SO MUCH FIRING THAT THEY HAVE A NEW TRAINNING GROUP EVERY WEEK. THEY ARE SUPPOSE TO BE A COLLECTONS AGENCY, NOT A LAW FIRM, BUT WHEN YOU TALK TO HIM YOU WOULD THINK THEY ARE. THE OWNER IS ERNIE POLLACK HIS CHILDREN CHRIS JEFF POLLACK. THEY ARE RUDE DON'T SPEAK TO ANYONE. THE SUPERVISOR FEED ACCTS TO PPL THAT HAVE BEEN THERE. ITS NOT A FAIR COMPANY.. IF YOU DONT WANNA DEAL WITH THIS COMPANY CONTACT YOUR THE ATTNY GENRL OFFICE OF YOUR STATE. OR EMAIL ME AT [email protected] I KNOW THE UPS AND DOWWNS OF THIS COMPANY. THE ONLY THING ABOUT THIS COMPANY, IS THEY PAY OFF THE CLIENT BEFORE IT GOES IN TO COURT. ITS A WELL GIVING MONEY COMPANY, TO SUE BUT THEY HAVE THE BEST LAWYERS YOU COULD ASK FOR. SO B4 U PROCEED GET YOUR INFO TOGETHER

    0 Votes
  • Ko
    koob Oct 15, 2009

    Simple Solution !!

    Send them a CERTIFIED Letter saying "DO NOT CALL ME AGAIN !"

    By Law, they can not : )

    0 Votes
  • He
    helping accountant Dec 12, 2009

    Send them a Validation letter. Certified return receipt. (Look up on the internet for samples of Validation letters). Also make sure in your letter you ask them for a letter from the original creditor( on the original creditors letterhead) giving NES authority to collect the debt. You would be surprised how that often stops them in their tracks. Good Luck.

    0 Votes
  • Yo
    your turn Feb 04, 2010

    I agree to everything, this agency is getting smarter to, they have an automated dialer called soundbite that calls your number, but when the call comes to your phone its in your area code, makes it look like someone from your city is calling. Its very easy to get them to stop don't believe anything they say about garnisment, law suits or anything unless its a pre legal account, if they do call you ask them if its a prelegal account, they say they can't take mail in payments, what a bunch of crap you can mail in what ever you want. Don't set up any settlements without a settlement letter first they can fax, mail or email, also they willlll run a check even if you tell them not to. These people are snakes, ran by the head snake Ernie Pollack, and his two sons jeff and chris. If you can record the call take that recording to your attorney general and have them sued, they have paid out in millions of dollars to settle with people, I know first hand. Anyone with sallie mae accounts watch out for a collecter named mis chambers and her manager albert rizzo don't let them scare into paying what you don't want to.

    0 Votes
  • Tr
    trixieB Oct 06, 2010

    Hi this is great info, I was just informed that they called my parent's house. I have no idea who there were, having my info stolen earlier this year, I have been very watchful of what is going on. Thanks to all who wrote about them so that I can avoid any transaction with them. It is appreciated.

    0 Votes
  • Ha
    happyman492 Jul 22, 2011

    wow I am so glad I read this and just so you know they can not tell you that you are going to be arrested that is against federal law and if they claim that are ready to sue you ask them for a case number that they filed papers with the court and call the court house to see if that case is really filed and if it is not then it is violating federal law. always ask for vverification of the debt by mail which to include the contract between me and you also a general ledger statment showing full accounting of the alleded debt ( dont say you own or made the debt they half to prove you made the debt) that demanded by the FDCPA ( its a federal law name)and send the letter by certified mail and have your signature notorized on the letter.you see the orginal creditor and consulat an attorney and file a complaint with the federal trade commision, because the original creditor sells the debt, not the paper work like the contract that stays with the orignal crditor and only the accouunt go to the collection peoople and then it becomes fraud because only the orginal creditor can sue you in court not a collection agency or someone giving you the idea they are a law firm (see if they really are by checking on the internet and call the local bar assoc.) because then you might be able the collection agency for fraud . also in the letter tell them to stop calling you at home, at work, on my cell phone, or any other location.be sure to check with an attorney to see if you worded the letter corrcectly because collection people really look for the right to contact you, etc.

    0 Votes
  • Pa
    payup99 Aug 19, 2011

    If you have lived within your means, and had a tragic situation arise where you could not make ends meet, I feel for you. If you have lived outside of your means, never putting anything into savings for a rainy day, living completely off your credit cards, making unnecessary purchases (anything that wasn’t food, affordable shelter, and the least expensive clothing you can find) and now you owe money you can't repay, you are the reason that the collections agencies have to act the way they do. It was great on the way up, and now you are feeling the pain associated with debt. You are no better than the banks that have bankrupted the country and the government for letting us get away with an under/ unfunded war. I lived like that for years. Then I had to get my act together. Budgets, balanced spending and putting some money aside for emergencies and hopefully retirement are not sexy or the most fun way to live, but they are responsible to and respectful of others. Every time you do not pay your bills, the price of something else goes up because the companies have to make their ends meet too. They have to make their payrolls to pay the people who make their products and hopefully manage their money better than you. Again, if you were doing the right things, living within your income, and something happened to change your situation, then please do not take offense. My comments are not aimed at you. If you were a “baller on credit, ” or whatever the female equivalent is, then shame on you. Stop complaining. Sell your flat screen TV, your fancy shoes, and anything else you can to pay off your bills. Then guess what, the calls will stop. Surprising what happens when you honor your commitments.

    1 Votes
  • Bl
    blahblahblarg Feb 23, 2012

    These people keep calling me too. I just recently received calls from them from an automated voice saying it's about "an important" business matter. But I know from experience that when they call, especially when leaving voice mail, that they HAVE TO STATE: the company they are from and what it is in regards to. Especially if it's a debt collector, they HAVE TO tell you it's in regards to a debt. It's THE LAW.

    If they don't tell you anything like that in the voice mail (and ALL THE LEGIT ones will) then ignore them. Don't even call them back. It's unnecessary stress.

    And ALWAYS ask for ORIGINAL documents via snail mail. NOTHING Electronic.

    0 Votes

Terrible experience

My father-in-law suffers from Alheimer's and Dementia. A family member, another daughter-in-law, took advantage of this situation. She is a LPN and has worked in nursing homes with Alheimer's patients. Anyway, she took my father-in-law to Verizon Wireless and got 5 phones for her family by opening an account in his nme. She also wrote 5 checks from the in-laws account to pay for things at Verizon. She wrote over 50 checks from the joint account of my in-laws. She also used their Lowe's credit card. She forged both their names on checks. In addition, she made my father-in-law sign for things she wanted. She was arrested and plead guilty. She paid restitution and charges were reduced. Verizon had only sent one check into a collection agency that had contacted my in-laws. Verizon was called and they said that four checks had went to National Enterprise Systems. The phone was answered by a woman named Nicole. She informed us that $1, 969.37 was due on the account. Only $1, 126.04 was awarded from the court for the Verizon checks, and $150 was already being sent to another collection agency. This left $976.04 to cover the checks sent to National Enterprise Systems. She said they could reduce it to $1, 575.49, then to $1, 378.55. But, my mother-in-law had to have them deduct the payment right then. She could not offer that later. My mother-in-law has had several heart attacks and has many other health problems. She said that since she had never received any bills from Verizon she wanted to think about this. Nicole said no, she had to do this now.

Nicole then gave the phone to a Robert Johnson. He said he was the boss. There was no one above him to talk to. I explained that my father-in-law has Alheimer's and he didn't know what he was doing when the bad daughter-in-law took him to Verizon. Mr. Johnson said that didn't matter. My FIL was still responsible. I said that I wasn't sure that he could even sign his name on the account and wanted to verify his signature. Mr. Johnson said that my FIL didn't need to sign his name, he could just nod his head to verify that he was responsible. I said so you mean if the neighbors take FIL to Verizon tomorrow and open an account in his name it's o.k. as long as he nods his head. Mr Johnson said Yes, but why would anyone do that? I said the same reason bad DIL did, to get free phones. I asked him if he had any compassion at all, and he said yes, that's why I'm not asking the $1, 969.37, just $1, 378.55. He said then that payment needed to be made right away. He said that if the call was dropped, we could not receive the same deal because he would not be able to reach us again. Well, my mother-in-law's phone battery quit, and guess what. He called back within 5 seconds. I said, you just lied to me and he said that he hung up on me, that's why he was able to call us back. This was not true, the battery was dead and I had to switch phones. By this time my mother-in-law was breathing hard, and I was concerned about her health. I told him we would consult and call back. He said no because he would press charges against FIL if this was not taken care of. He said he could accept the $976.04 today and they would have two weeks, then he would deduct the $402.51. I was crying, my MIL was crying and so was my FIL with Alheimer's. So, my MIL felt pressured and paid the bill in full with an automatic withdrawal.

This is a nightmare. Why did one check go to one collection agency and the other four to NES. If they had all went to the first one, MIL would have received the statements and got the correct restitution amount. Mr. Robert Johnson is the meanest man I have ever talked to. I do not know how he can sleep at night. I have always been told that people like him will be taken care of because GOD don't like ugly, and this was ugly.

Having a family member do this has devastated the family. My MIL and FIL are already in bad health. Then, they have to deal with humiliation on top of everything else. Why doesn't NES go after bad DIL.

  • Valerie Oct 09, 2008

    This company calls our place of business several times daily regarding a debt that was charged off by B of A 2 years ago. The account is my mother-laws-account. B of A was given a letter instructing them that since the account was charged off they need to cease and desist any further contact with her. Well B o A must not have told the collection agency because the calls keep coming. Since I answer the business phone I just tell them she is not here. I am waiting for one of them to speak with me so I can nail them for third party conversation. I do not think they can legally collect anything since the account was charged off and they would have to proog validity if we were to send a validation letter. So any of you in a position getting harassing calls simply go on line and get a sample of a debt validation letter. They must proof debt to them in order to successfully collect. However, you must not have had any commitments of money to them as that would give them proof of your acknowledging the debt with the. So offer no info do not respond just listen and if they ask your intentions answer "I must verify this before having any further conversation, Goodbye" HANG-UP IMMEDIATELY!

    0 Votes

Beware

This company collecting a debt from Bank of America, went into by daughter's account and told her exactly how mucky money she had and about her recent transactions. They never sent her any letters, and threatened her with calling her local Sheriff, and taking her to court even after she tried to make a deal with them which they would not accept. She offered them more than 10% of what was owed. They want nearly the entire amount. She had ignorantly given them her account number to pay the debt. Since when can a collections agency use a method of payment to look into your account? This is clearly an invasion of privacy not to mention out and out harassment. Beware Bank of America consumers as they sold the account to this company.

  • So
    somuchcrap Nov 12, 2010

    This organization keeps calling my home morning, noon, and night asking for someone I've never heard of, nor would I think anyone else has; i.e. William the 500th -------------- with my last name. I do not want to return their call as this so-called person is not me; I do not want to press the numbers they recommend as I did not place the call and have no idea what pressing the numbers would really do; I don't like the fact it is a computer generated recording and feel they just want me to call them so they have me on the phone - to what end I don't know. They really need to cease and desist.

    0 Votes

Violation of FDCPA

A few weeks ago, I received a voicemail at work from an Officer Gonzalez from the Maricopa Co. Sheriff's Dept advising me that he would be serving me a summons at work that day if I didn't call back a lawyer by the name of Peter Schwartz. I called the number that he left, and it was the NES office. I asked to speak to "Peter Shwartz, " and the guy who answered advised me that he would handle this for the "attorney" who was busy at the moment. He proceeded to yell at me about how I am a liar because I did not have $800 to give him by the end of the day to pay off a debt that I owe. He said that 99% of people are liars like me. He advised that Fed Ex had been out to my house 3 times to give me documents stating when my court date was. I did some research, and found that there is no Officer Gonzalez at the Maricopa Sheriff's Dept. I also spoke to people at NES, and discovered that there is no attorney named Peter Shwartz on staff nor can NES bring suit against a debtor. They can only turn unpaid debts over to the original creditor. So, NES impersonated a police officer as well as a lawyer, and they lied to me about notifying me of some fictitious court date. The representative that I complained to at NES said that she would put in a complaint with her manager. She later told me that other people had filed similar complaints, and that the violations were coming from their California office, not their OH office. Who cares which office it is coming from? What kind of sick individuals can impersonate police, lawyers, and god knows who else as well as scream and lie like they did? I can't think of a more severe violation of the FDCPA. Can you?

  • Ch
    chrisrose_06 Apr 29, 2009

    I have been paying off a student loan with American Education Services (AES) and they have been great. When my husband was laid off from work for a couple months I applied for temporary hardship and was granted my application for 3 months. When my 3 month period expired I started making payments again, as usual, to AES. A few months later I recieved a phone call from National Enterprize Systems telling me that my loan has been in default for an outstanding period of time and that I would have to go to court if I did not agree to an out of court settlement. I informed the woman who was calling me that I had been making payments to AES. She then informed me that she was looking at my account and did not see a single payment. When I reviewed conformation numbers for checks that I had sent to AES she replied, "Oh, those payments must be going towards the intrest only and that's why it's not showing up on my information." I told the woman that I was making payments and it should show up under her information whether it goes towards intrest or not, when she realized that I wasn't a complete idiot she started to become very rude. . . telling me that I shouldn't borrow money if I can't pay it back and that people like me are ruining the economy. I'm 36 weeks pregnant, could I have sued if I had gone into labor while on the phone with her?

    0 Votes

Blatant violations of FDCPA

I recently worked at this horrible place. National Enterprise Systems is the collection agency from hell. It's the devil's worst nightmare. Employees are trained to collect according to the Fair Debt Collections Practices Act but once on the floor in their respective departments collectors are told to forget everything they learned.

My supervisor, Bryan Howard under the alias of Paul Stevens, regularly provided a second voice to collectors having trouble closing collections. This idiot would identify himself to callers as a federal agent, an NES attorney, etc., anything to try to scare the debtor into paying. He would actually tell debtors and their spouses that a lawsuit had been filed and if the account is not paid by postdated check by a certain time that day a deputy of the court was coming to serve the debtor on his job. I witness this on a daily basis all day long. B. Howard is neither a federal agent, attorney nor any of the other things he claims to be and NES don't sue debtors. All are clear violations of the Fair Debt Collections Practices Act.

Debtors are talked to as if they're inhuman. Even when the debtor is not home the person taking the message is treated like dirt. I will never forgot my supervisor shouting at an 81 year old African-American woman for not getting a pen and paper to take the message. "I DON'T CARE IF YOU ARE 81 YEARS OLD HE SCREAMED AT THE WOMAN." I've witness collectors hollering at kids "GO GET YOUR FATHER."

You are not supposed to talk to spouses—in certain states--about their significant others’ debt unless given permission by the spouse to do so. This rule is ignored at NES. In fact when I left training I put the document about the spouse rule on my cubicle wall to reference only to have it snatched and trashed by Bryan Howard who said I wouldn’t need it.

The owners Ernest Pollack, his wife, and two sons: Scott and pie-faced Chris are well aware of what is going on. These people are hands on owners. They constantly walk the call room floors, note the individual collectors and group collection sales and hear all the violations first hand. The more a collector screams at a debtor the more they like it. People actually clap and cheer when a collector goes off on a debtor. All that concerns these greedy money grabbers is how much money they are collecting at any given time.

Payments are demanded in full although they do offer settlements that are too demanded in full. Money orders and mail-in payments are not accepted, only postdated checks over-the-phone or Western Union Transfers for Citi Bank accounts. Some other creditors do allow NES to also take payment by credit card. For the postdated checks debtors are asked to give their accounting and routing numbers. NES, the ### they are, attempts to take the money out before the postdate. Nice company huh!

Collectors and supervisors once provided with bank info by the debtor call banks automated customer service numbers to obtain how much money they have in their accounts. We have their social security numbers so getting info this way is like taking candy from a baby. Some banks have safeguards against this and required you talk to a live person. They also work this wickedness on debtors’ credit card accounts or the credit card accounts of the debtors’ spouse, mother, father, etc. I remember one collector on the phone with a debtor saying “Your Mother Has $7, 000 On Her Card She Can Use;” She Can Pay This Debt For You!”

If anyone needs someone who's "been there" in any of their legal actions against this despicable company I’m your guy. Channel 19 News in Cleveland, Ohio did an investigative report on NES 5-14-08. Look it up in their News Videos Archives - www.woio.com.

  • Da
    dale lendon Nov 04, 2008

    NES called my mother today (11/4/08) ( Mrs. Tucker as she identified herself as) and had my mother in tears. She finally convinced my mom that if she could pay 150.00 a month that she would stop harassing her. My mom agreed to that todayand gave her the checking account #. By the end of the day, NES STOLE $ 528.00 three times from my moms account. Yes over $1600.00. What can she do to get her money back. Help!!!

    0 Votes

Beware of them

NES is the job from ***. I worked for them for 18 months. In training they stress FDCPA laws. However once on the collection floor they tell you to forget what you learned in training. They set a goal of 8k in fee you have to collect just to cover your desk and their expenses they have to pay just to have you as an employee. Supervisor are to walk the collection floor at all times, if they see you are on a call, they will yell at you and say do not let that person hang up without a check by phone, credit card payment or one by a family member. If the consumer refuses the supervisor will take the call over and berate the consumer until they do so. They are in strict violation, if I can help I will testify to this affect.

  • Mu
    Mulenga Sep 03, 2008

    I have to tell you all my story. Recently Chase Bank called (7/30) and asked that I up my payment to at least $140/month to stay current. What I was not told was that my debt was going to be charged off. Nevertheless, all the Chase Bank rep told me was that if I didn't comply, I was going to be handed over to their attorneys. Since she called me at work, I could not process a payment over the phone with her but promised to do so later in the day, which I did for August payment. By the way she behaved more like a debt collector and was not honest enough in her discussions with me about this debt and the prevailing situation. Well, early August, I receive a call from a man who only said, he was calling in connection with the Chase Bank debt as they were listed to collect it and if I didn't comply, this would become a court case and I risked being sued -- he said that the MD courts would be contacting you. Thereafter I received several calls, some calls included threats and being told that I was in restitution against one of their callers; I had committed credit card fraud, that they would contact my credit union to report this fraud and have my wages garnished because, the caller told me, while you are making payments on all these other debts, you are not making good on Chase debt; we will call your HR, we will sue you, have your license seized, deliver a summons to you at your workplace; one lady caller even harrassed my kids and demanded my cell phone number from them. When she called my cell and I asked her how she got the number, she told me, you have to understand that you are under investigation and we are digging whatever I can dig on you to get to you. This is after I have spent close to a few hours on the phone with her and I agree to pay what I could afford and she processed a payment of $1, 042 against this debt, now she turns around and says, I am under investigation. I had ENOUGH of National Enterprise Systems and called FTC, filed a complaint, was advised to write to them and include in the letter a proposed payment plan. All done, I feel relieved and feel the freedom. When the lady called back, I told her about the complaint and the letter to them. She was so upset and called me a coward for taking such an action and a liar. Later I called Chase Bank to let them know how lousy and terrible NES has been and also told them I had filed a complaint against NES with FTC. The Chase Bank rep asked me to fax them a copy of the letter to NES and assured me that they would reclaim the debt back which I was told today has been done. My debt is no longer with the NES but back with Chase Bank!!!

    I just googled and read about credit cards being charged off and the impact on one's credit report and this prompted to call Chase Bank again because I remembered in my initial follow up with Chase Bank, one of their reps told me the reason for turning me over to the debt collector was because my debt had charged off. I explained to this rep today the conversation of July 30 and what I was adviced to do to ensure that I brought my minimum monthly payment to a reasonable payment. Looked like this rep realised that there was an error on their part in the way this case was handled.

    I was told that I would continue to pay the $140/month which I was told by the July 30 Chase Bank caller. I asked about the impact this charge off would have on my credit report and was told that since they doing a reversal, it would not appear. I have to call them in 7-10 days on that.

    In a way, this turn of events is surprising. All the merry go around chain of events on my debt (Chase Bank -- NES -- Chase Bank).

    What do you all read into this about Chase Bank???? Thanks for your comments.

    0 Votes
  • Sm
    smitty Sep 25, 2008

    Thank you for this insight. Chase did the same bulls**t to me and this company has been all over me with threats, multiple rude representatives and harassment. I appreciate this knowledge and it has provided me an easier and less pain-staking way of handling the situation. I just got off the phone with these people two hours ago but I haven't committed to giving them any funds as of yet. They are so unprofessional and they have really stressed out.

    0 Votes

Scam and rip off!

I was contacted at 5pm on Wednesday, March 5th by an NES employee regarding an 'urgent business matter'. I returned the call because I was unsure who she was, what business she worked for and what the 'urgent business matter' entailed. When I called back, I was NOT told by her that she was a 'debt collector attempting to collect a debt and that any information obtained will be used for that purpose'. She told me that NES wanted to work out a settlement for a credit card to which I agreed to hear. She told me that the creditor would settle for a smaller amount if I paid all of it by 9pm that day. I informed her I couldn't come up with that money. I was then told that if I didn't pay this settlement, paperwork was going to be filed in court tomorrow morning (Thursday, March 6th) and I was being sued. She then attempted to set up a payment plan with me and I acquiesced because of the fear of being taken to court. She then asked me to hold so she could get a manager on the line to approve a payment plan.

As I was holding, I could hear her conversation with a manager as they discussed the pending lawsuit against me. He asked her if she had informed me about my pending case. She then replied that I was on the line and he could speak directly to me. At this point, it was a three-way telephone conversation with myself, the manager and the employee.

The manager then told me the following:

• I was being sued for the balance of my debt unless I came up with the money that night.
• My account was sold to a group of lawyers that were going to sue me for the money owed.
• That he refused to set up a payment plan with me.
• The paperwork was going to be filed in court tomorrow unless I paid and that he didn't want to get any angry phone calls from parents or lawyers because it was going to court tomorrow unless I paid tonight.
• I was sent a 60-day notice regarding this pending litigation and it wasn't his fault I chose to ignore it.
• That they could put a lien on my vehicle and take my vehicle or any other of my assets to collect this debt.
• That if I didn't pay and this went to court I would also be responsible to pay any attorney and court fees that the plaintiff incurred.
• That I was in legal trouble with the state of South Carolina.

The manager wouldn't listen to me nor would he answer my questions. He raised his voice, threatened me with a lawsuit, misrepresented my financial account, lied about the details of my account, attempted to intimidate me and actually shouted at me. Finally, he yelled at me 'You're in a lot of trouble and you better get a lawyer'. Then he hung the telephone up on me.

A few minutes later she called me back and said 'I was told to call you back'. I then attempted to ask her questions regarding the lawsuit they said was being filed, which she would not answer. I asked her to speak to someone regarding the way I was harassed on the telephone and she said I already talked to the manager and that was it. She refused to connect me with someone else. She informed me to figure out a way to obtain the money and call her back before 9:00pm.

Roughly around 5:45, my mother phoned NES. She then put the manager on the phone and he revealed the following confidential information about my account to a third party WITHOUT MY CONSENT:

• The current amount I owe.
• The creditor I owe the money to.
• The settlement I was offered.
• The number of payments I made over the past year.
• The fact that I purchased a car in the past year and they could take it away.
• That they wouldn't offer me a payment plan because of my negligence.
• That they have been calling me for the last 60 days trying to reach me.

The manager also informed my mother that paperwork for a lawsuit was going to court in the morning and that my account was sold to 'a group of lawyers'.

Later in the evening on Wednesday, March 5th, she called me again and told that she decided to 'work with me' and set up a payment plan. She said I had to 'call her directly' about the account. I asked her why all of a sudden did NES decide to work with me and she said because 'I felt you were sincere and that you really want to pay this debt off'. I again asked her to speak to someone regarding the harassment I endured and she again told me he was the manager. She would not connect me to anyone else. I told her I was in the car and I would call her when I got home to discuss the matter further.

I phoned her back when I arrived home and set up a payment plan for a settlement balance that was way out of my budget. She told me that unless I paid this amount, the paperwork was going to be filed in court in the morning. I asked her to send me a letter stating the settlement terms that was offered to me so I would have documentation. She refused saying she couldn't send me any paperwork until the last payment had been made.

After pondering what transpired, I called NES back to make a complaint. I was transferred to the Compliance Department where I spoke with another female employee. She was willing to listen to my issue and answer my questions. I asked her if she had access to my entire account and once she said she did, I asked her if the statements referenced above made by both the employee and the manager ere true:

She informed me that all of the above statements were FALSE. I'm not being sued, there is no paperwork going to court and if I was being sued, NES would not be the one contacting me to tell me. She also said she could send me a letter stating the settlement I discussed with the employee, after th employee said she couldn't. She also informed me that she would cancel the payment plan I set up with the employee and set up payments that were affordable to me. She told me she altered my account so that I would not be contacted by another representative of NES.

It is glaringly apparent that NES and its employees and managers are in violation of numerous sections of the Fair Debt Collection Practices Act. Not only is it unacceptable for NES to utilize the procedures I have mentioned, it is also illegal. In further researching NES, I have learned that they have had several complaints lodged against them and that they have an unsatisfactory rating with the Better Business Bureau. I can only assume that the manner in which I was treated is standard operating procedure.

I'm calling again tomorrow to cancel all payments with them and making sure I get written documentation. I hope all goes well!

  • Dr
    Drewski22 May 15, 2008

    I recently worked at this horrible place. National Enterprise Systems is the collection agency from hell. It's the devil's worst nightmare. Employees are trained to collect according to the Fair Debt Collections Practices Act but once on the floor in their respective departments collectors are told to forget everything they learned.

    My supervisor, Bryan Howard under the alias of Paul Stevens, regularly provided a second voice to collectors having trouble closing collections. This idiot would identify himself to callers as a federal agent, an NES attorney, etc., anything to try to scare the debtor into paying. He would actually tell debtors and their spouses that a lawsuit had been filed and if the account is not paid by postdated check by a certain time that day a deputy of the court was coming to serve the debtor on his job. I witness this on a daily basis all day long. B. Howard is neither a federal agent, attorney nor any of the other things he claims to be and NES don't sue debtors. All are clear violations of the Fair Debt Collections Practices Act.

    Debtors are talked to as if they're inhuman. Even when the debtor is not home the person taking the message is treated like dirt. I will never forgot my supervisor shouting at an 81 year old African-American woman for not getting a pen and paper to take the message. "I DON'T CARE IF YOU ARE 81 YEARS OLD HE SCREAMED AT THE WOMAN." I've witness collectors hollering at kids "GO GET YOUR FATHER."

    You are not supposed to talk to spouses—in certain states--about their significant others’ debt unless given permission by the spouse to do so. This rule is ignored at NES. In fact when I left training I put the document about the spouse rule on my cubicle wall to reference only to have it snatched and trashed by Bryan Howard who said I wouldn’t need it.

    The owners Ernest Pollack, his wife, and two sons: Scott and pie-faced Chris are well aware of what is going on. These people are hands on owners. They constantly walk the call room floors, note the individual collectors and group collection sales and hear all the violations first hand. The more a collector screams at a debtor the more they like it. People actually clap and cheer when a collector goes off on a debtor. All that concerns these greedy money grabbers is how much money they are collecting at any given time.

    Payments are demanded in full although they do offer settlements that are too demanded in full. Money orders and mail-in payments are not accepted, only postdated checks over-the-phone or Western Union Transfers for Citi Bank accounts. Some other creditors do allow NES to also take payment by credit card. For the postdated checks debtors are asked to give their accounting and routing numbers. NES, the ### they are, attempts to take the money out before the postdate. Nice company huh!

    Collectors and supervisors once provided with bank info by the debtor call banks automated customer service numbers to obtain how much money they have in their accounts. We have their social security numbers so getting info this way is like taking candy from a baby. Some banks have safeguards against this and required you talk to a live person. They also work this wickedness on debtors’ credit card accounts or the credit card accounts of the debtors’ spouse, mother, father, etc. I remember one collector on the phone with a debtor saying “Your Mother Has $7, 000 On Her Card She Can Use;” She Can Pay This Debt For You!”

    If anyone needs someone who's "been there" in any of their legal actions against this despicable company I’m your guy.

    4 Votes
  • St
    steve Jul 15, 2008

    They are harrassing me. Do not get or show anger with them. If you take them to court they can use this against you.
    It is allegal for them to threaten court proceedings against you. They called me tonight at 9;23pm. This is illegal.
    I am always nice with them and ask questions like, Do you Know Jesus, Did you forget to pray this morning,
    Have you had your morning meditation. BE NICE WITH THEM.

    1 Votes
  • An
    angela Jul 24, 2008

    has anyone heard of to NES employees Tina Cache or Johnathan Crow Sr?

    2 Votes
  • Valerie Sep 24, 2008

    Do not give this company any banking information. I agree to make two payments in the amount of $300 one in July and another in August. I have had no more correspondence with them but on 9/15/08 they took another $300 from my bank account and then again on 9/22/08 they did the same without my authorization. The bank says the only way I can stop them is to close out the account and open a new one. Seems ridiculous to me but no not give them any banking information or you will be scammed also.

    0 Votes
  • Da
    Daryle Apr 21, 2009

    omg! I thought I was going crazy when they told me I was being taken to court, but they didnt have any information on the date and time of the court proceedings, or could offer me any information in writing about the court date. this company told me that I would have to pay 5% of my balance first in order to set up a payment schedule for me of $1000.00 per month, I dont even have a job!

    0 Votes
  • Wi
    Will-I-Am Apr 27, 2009

    I've been looking at all the different posts and complaints (I've even filed one of my own with the Federal Trade Commission) and I think these people and their bosses are from hell itself. I haven't heard any response from the FTC but I'm sure they no doubt got the message over to them. I receive no less than 3 phone calls a day from them, even when I'm at work, which is their prime time to call me. I've alerted them to this fact but they continue to call me during my work hours. I've learned that you can send a Cease and Desist order to them and they have to obey it or they have to drop your case or face a major lawsuit from the FTC.

    -1 Votes
  • Lo
    LoriJ76 Jul 30, 2009

    Hi. First of all, I'm very sorry you have had such horrible experiences with this company. I did, too. This does have a happy ending, though, because I actually had a wonderful experience with NES today. I know, it's hard to believe, but please read!

    I had a Target card, and haven't even used it in 3 years. Well, I was paying off a $700 balance FOREVER, and they finally sent me a letter saying they would allow me to make small payments each month. They took the payment automatically from my checking account each month.

    Yes, I should've absolutely paid attention, but I guess they just up and quit taking the payments out of the account, so suddenly I get a call that I'm 2 months behind. Now, the balance was over $900. I told them about my payment arrangement. They said that ended (it's just that nobody told ME, of course). So, they demanded I start giving them a ton of money each month. I couldn't do that. I gave what I could, and eventually got sent to collections.

    I got a call a few months ago from National Enterprise Systems. The guy was forceful, asked questions, and wouldn't be quiet long enough for me to answer them. He repeatedly cut me off and raised his voice. The guy demanded $1200 from me, saying I would have to make 3 monthly payments of $400, or else I was going to be sued. I said, "Listen, I know I owe the debt, I'm trying to pay. I answered the phone, didn't I? I'm not running from you. I guess you'll have to sue me, because I can't afford that."

    So, he said in 5 business days, I'd receive court documents. I called Target and explained what happened. Target kind of laughed it off, and said I would be just fine if I just came into the store each month with a $50 payment. That very day, I brought in $50.

    Then, I got a call two weeks ago from an Anthony Snow. He was a little friendlier, but still pushy. He said he didn't want to sue me, but would have to if I didn't make 3 payments of $300. I said I couldn't do that, but that a payment of $200 might be feasible. He said he would settle the account for $900, take out $200 this month, and $350 in August and September. I agreed to it, even though I knew I couldn't do it.

    We have rent coming due, my daughter's birthday, you name it, it's all happening for us right now. I called in today to change the payment arrangements. I called 1-800-243-0002, then hit Option 3 for changing payments.

    I was scared to death when I called, but was pleasantly surprised when a rep named Angie answered. She was cordial and respectful. I explained that I knew I wasn't going to be able to make the $200 payment as promised, but I didn't want to be sued. She just said, "No, Ma'am, we don't sue people. I'm sorry, but no. We're a third party collection agency. I'm not going to sue you. Can you pay maybe $25? I can accept monthly payments of $25. We want to do what works for you." She even talked to me about her children, I talked to her about mine, and it was really pleasant. She was really THE nicest collection lady I've ever spoken to!

    Angie really changed my mind about collection agencies. You have to be lucky and get one of these reps, but it's comforting to know there are some good ones in there!

    If you would like to email me, I'll be more than happy to give you Angie's direct number and extension, so that you can have a better experience with this company. I'm so happy she's going to handle my account from now on!!!

    God bless!
    [email protected]

    0 Votes
  • Te
    Teca of Wdge Va Jul 31, 2009

    I am having a problem with National Enterprise Systems too. NES say I owe a jewelry company in excess of $550. I have asked for a validation of debt in writing. NES wants me to verify my home address. I feel that if they have a legitimate debt to collect, they should have my address, so I will not say my address to the caller. I have contacted my Attorney General & was advised to first send a "Cease and Desist" letter to NES requesting them to stop calling my home and to validate the debt by supplying me with a bill associated with the account, an application showing that I applied for this account, or signatures associated with this account. I have sent the letter certified. Thus far, NES has not signed for the letter.

    I have checked all 3 credit reports, and the Jewelry company NES speaks of is NOT on any of my reports.

    I don't what else to do about NES harassing me. If anyone can help, I would appreciate it. my email address is [email protected] .

    0 Votes
  • By
    bymselm2 Oct 17, 2009

    Does anyone that works here know what types of settlements they typically get? Percentages of the actual debt they collect? Or maybe how much these people pay for the debts they collect? [email protected] thanks!

    1 Votes
  • Ks
    KShara Dec 05, 2009

    Wow, with all the complaints on this company I'm kind of glad I haven't managed to get through to them now. I've been getting phone calls from them, always a recorded message giving us an 800 number to call about an "urgent business matter" - but no matter what day of the week or time it is when I call, I never get through to a person. What irks me about it is that we don't know if they're actually calling to talk to us or they're calling our number for someone else (we've only had the number a couple months and are getting a LOT of debt collection calls for people we don't know, have never met and certainly don't live with us). I have exactly one debt and it's not through NES thank goodness! I've consistently called them back, though, trying to find out who they're looking for because if it's not my housemate I'd love for them to stop calling yanno? Hope to God I never have to deal with them for any future debts I (hopefully won't) accrue, sheesh...

    0 Votes
  • Ga
    gatorgirl Jan 08, 2010

    Thank you all for the information you have provided regarding this company, NES, on this site! A man named John who said he OWNED the company National Enterprise Systems call me this morning regarding a debt owed. Fortunately, I was listening when I was told "this call is being recorded". Not only was this person rude, ugly and demeaning, he LIED to me as well. He gave me false information regarding my credit report. He told me their "research" showed that I had the ability to pay what I owed and that I should do that! I explained to him that was incorrect, I don't know where he got his information, but it was incorrect. He asked me why I couldn't pay? Fair question I thought. I told him based on the economy and everything going on with the rise in healthcare costs, that I couldn't pay. He told me none of that was important and it had nothing to do with my ability to pay! HUH?? I stated that I was listening to the news and it just stated unemployment was at 10%! I also told him that my insurance premiums and what I was now responsible to pay had increased significantly for 2010, so yes, it had everything to do with why I couldn't pay!
    Then he asks if I'm married. Why am I not using one of his cards to pay this debt. I said I wouldn't answer that question because this didn't concern my spouse. Then he tells me..."well you work right?"...I said no, I'm actually on disability. He got very rude and demeaning saying that even on disability I could still pay.
    THEN, he asks me to "verify" the last 4 digits of my SSN****red flag***. I told him I wouldn't give out that information. He asked to verify my address and I wouldn't give him that information. He was shouting and interupting me now - "why won't you verify that information? I explained my purse was just stolen and my driver's license was inside. He said - so who cares, what does that have to do with this debt. I said IDENTITY THEFT!!! The police told me NOT to answer any questions like the ones he was asking. He told me that was crap and I was lying, coming from left field, etc. Still shouting and interrupting me with insults and demeaning remarks, he told me to hold so his secretary could pull my whole file. I told him that would not be necessary, I was ending our phone call. I asked to verify his name and he told me no he wouldn't tell me what it was b/c he already had. I asked to verify the company name. He said National Enterprise Systems. I told him I was going to report him to the FTC and BBB and I was grateful the call was being recorded. He continued yelling into the phone for his secretary to pull the whole file, etc.

    I'm glad to know this is NOT a reputable company and I will follow through with my complaints.

    0 Votes
  • Sc
    Scott484 Feb 05, 2010

    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 there 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!

    0 Votes
  • Al
    ale369 Mar 22, 2010

    Don't deal with them ... Just sue them like I did... I used Collection Stoppers and it will not cost you a cent if you have a case. All I can say is save your voice mails or have a witness when you talk with them. ( I would not talk to them. ) See http://www.collectionstopper.com/

    1 Votes
  • Gr
    grad08 Jan 13, 2011

    I am really frustrated with Sallie Mae and these collection agencies and I don't understand how these corporations are able to continue and carry on like this. It is illegal so why are they still getting away with it and I that some kind of way everyone who has a complaint; we should all come together and go up against Sallie Mae. I don't know how to get it going but I am calling BBB, FTC, and even the courthouse in my county until I can find a solution. I am just trying everything because I am fed up and people should not be harassed like this and we should be given more feasible options to pay off our debts. Not just let our money go into a black hole. The way payment are made needs to be revamped and everything should be consistent.

    Sincerely,
    An Angry Graduate Who Won't be Defeated by Illegal Corporations

    0 Votes
  • Gr
    grad08 Jan 13, 2011

    Sorry for the typos people. I can spell.

    0 Votes
  • Rh
    R Hooten Mar 22, 2011

    Receiving 2-3 recorded calls every other day. Calling the company to stop their response was "we are probably calling you for a reason". Told that I would take formal action their response was "do what you have to do sir".

    0 Votes
  • Kt
    kthrn May 26, 2011

    I used to work for NES and it is a horrible place to work. I used to get migranes at 5pm when I had to get up to go to work and the employees there are all thugs. Drugs OH YAH-they are all horrible and that is the way they are all trained. I remember my supervisor pounding his fist on my desk and threatening me. I used to work for a company like this many years ago and they had a huge classaction law suit filed against them and the employeees won. I got fired because I had an interview/w/a highly reputable company and they found out and walked me out like a criminal. Everybody there is misserable and I am sure they have been sued by everybody but that doesn't matter to them at all.

    0 Votes
  • Sa
    Sallie Mae Not Jul 29, 2011

    NES keeps calling me using different area codes, private number shows up on my cell phone, they call my elderly parents and my Mother-in-Law! All of the latter are in their eighties! Let me be sued! I do care, don't get me wrong. Sallie Mae gave my son's and mine loan to NES and then Redline had it for a while. We are responsible citizens and will pay a reasonable amount that won't make us homeless. This is for real! Homeless! I am on SSDI and Sallie Mae can garnish my SSDI, that is if our government can settle our debt problem and I still get my SSDI. The government should stop loaning out money to students when the economy is so bad and there isn't the better paying jobs out there for the kids to apply for when they graduate. Minimum wage jobs can't pay back student loans! I know that sounds harsh, but these are harsh times. Things can't get much worse. As for NES, they must be the ### of the earth!

    0 Votes
  • Lo
    Look Out For Yourself Oct 25, 2012

    To: Sallie Mae Not... I agree with you that the government needs to stop handing out student loans during a recession like it's candy. I get angry now when I see all the on-line ads telling people what education they need now to succeed. Because I, like so many others got suckered into enrolling back into school only to end up with student loan debts and no job in that field. People beware..."Student loans"... It's the new "Housing Market loanes". And, we all no what happened there when so many of those people couldn't pay their loans back.

    0 Votes
  • El
    elson99 Aug 01, 2014

    In case you don't know yet, go to: getoutofdebtfree.org


    A wonderful introduction to who you really are. You and we are NOT the all capitalized name JOHN H DOE or whoever. It's a hell of a ride but one you will not regret. It works but it does require your awareness to some things you will no longer take for granted. It started for me when I learned it's illegal for banks to loan money. They can't because money doesn't exist. Peace

    0 Votes
  • Fr
    Frances Trantham Mar 15, 2016

    These people call me off and on though out the year. I am debt free except for my home. They always try to get me to pay a debt for some else with the same last name. No matter how many times I tell them to remove my name and phone number it never happens and they continue to call. My last name is not common so I have wonder just what is going on here. I do agree with most of posters here that the people I have had contact with are very rude and nasty and use rude words.

    1 Votes
  • Ce
    Centennial Law Offices Jan 22, 2018

    Centennial Law Offices is looking for information relating to National Enterprise Systems, a debt collection company. This information request is related to the case of Ferris v. National Enterprise Systems, Inc. in The United States District Court for the Southern District of Texas (case # 4:17-cv-01407). If you have received any calls from National Enterprise Systems in which a pre-recorded message was played, and especially if the message began: Hello, we have an important message for [name]. If this is [name], press 1..”, please contact us at [email protected] or by telephone at (888)504-8817. Those providing information need not identify themselves. The phone number such calls may have originated from is (855)205-0650, but please let us know if you received such a message from any number you believe National Enterprise Systems may have used.
    Centennial Law Offices is a law office specializing in the representation of consumers against debt collectors in Fair Debt Collection Practices Act cases.

    0 Votes

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