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...
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.
