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Business Profile

Collections Agencies

National Enterprise Systems

Headquarters

This business is NOT BBB Accredited.

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Complaints

This profile includes complaints for National Enterprise Systems's headquarters and its corporate-owned locations. To view all corporate locations, see

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National Enterprise Systems has 2 locations, listed below.

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    Customer Complaints Summary

    • 47 total complaints in the last 3 years.
    • 15 complaints closed in the last 12 months.

    If you've experienced an issue

    Submit a Complaint

    The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

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    Complaint status

    Complaint type

    • Initial Complaint

      Date:11/21/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I am not liable for this debt with ******** *****
      I do not have a contract with the national enterprise systems
      they did not provide me with the original contract as I requested.

      Business Response

      Date: 11/24/2023

      Good Morning,

      Attached is the NES response for complaint #********.

      Thank You,

      Eric T***

      NES

    • Initial Complaint

      Date:11/10/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      the date of the letter is 11/3/23. the letter was addressed to my pod - she is not a cosigner on this account. pod means if i die then she would get any funds available on my account. does not mean she is liable for the account. also this account is a fraud account that i have been trying to clear up since july with pnc. they were supposed to close the account in july. i am not or will not be responsible for the charges in the account. ref ********
      this needs to be taken off my credit report and hers as well.

      Business Response

      Date: 11/14/2023

      We are in receipt of your correspondence
      concerning a complaint made against National Enterprise Systems ("NES") by ******* *****.
      We have conducted an investigation with respect to this matter, and we appreciate the opportunity to respond
      and provide you with our position.
      On November 2, 2023, an account was placed
      by PNC Bank with NES for collections. ******* ***** is listed as the primary borrower and ********
      ***** ******* is listed as the co-borrower. NES does not own the account but was attempting to collect
      the total outstanding balance on behalf of PNC Bank.
      On November 10, 2023, Ms. ***** called in and
      advised NES that Ms. ******* is not a co-borrower but the payable-on-death beneficiary. Ms. *****
      also claimed that the account is fraud. NES has placed the account on hold and reported the fraud
      allegation to PNC on 11/13/2023 for review.
      NES does not
      report to the Credit Bureaus for PNC Bank.
      We apologize for the inconvenience
      and hope this brings this matter to a conclusion.

      Sincerely, 

      Eric T***
      Manager, Regulatory Compliance
      NES

    • Initial Complaint

      Date:08/11/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      National Enterprise Systems purchased my debt from my loan provider some time ago. I recently set up automatic payments to begin paying down the debt. I have repeatedly had issues with their payments processing in the early hours of the morning before funds have hit the account resulting in failed payments. In this situation I have to call the company (they have never reached out themselves to follow up on the missed payments) and in this last instance I have encountered an issue where I am totally unable to reach them on the phone to process the payment. The number I have saved (that I have used several times in the past) either just plays a repeating message saying I will be connected to an agent without connecting me, or just plays a message saying my call cannot be completed. When I tried an alternate number listed on the company website I was simply given a message stating that the voicemail box for the number was not set up and the call disconnects. Missing these payments and being unable to contact the company to resolve the issue can/will result in late payment reporting to credit bureaus and will negatively impact my credit scores. All of the calls I have made are during regular business hours to number provided via the company website or email correspondence.

      Business Response

      Date: 08/21/2023

      We are in receipt of your correspondence concerning a complaint made against National Enterprise Systems ("NES") by **** ********. We have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. 
      There was an account placed ******** ************ ***, with NES for collections. The original creditor was ******* ******** **** ******** ** ***** *********. NES does not own the account but was attempting to collect the outstanding balance on behalf of ******** ************ ***. 
      On June 30, 2023, Mr. ******** agreed to a payment arrangement of $56.25 to be taken directly from his account each Friday. The July 14, 2023, and July 21, 2023, payments rejected. On July 21, 2023, NES agent suggested that the date of payments change from Fridays to Mondays to allow sufficient time for Mr. ******** to deposit his money into his account. Mr. ******** agreed to the new arrangement. 
      NES apologizes for the any difficulties Mr. ******** had in contacting NES. Mr. ******** can contact NES at 800-973-0600 for future discussion regarding his account. 
      NES does not report to the credit bureaus for our client. We are sorry for t inconvenience Mr. ******** experienced and hope this brings this matter to a conclusion.

      Sincerely,

      Eric T***

      Manager, Regulatory Compliance NES 

      Customer Answer

      Date: 09/14/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear below.




      This is the second complaint I have had to file with the BBB regarding NES. Their phone systems are STILL disconnected and I was unable to call to reschedule an automatic payment due to a late check resulting in a total halt of my payments (I am now three weeks behind) and I am STILL unable to contact the company to resolve this issue as they have not resolved the issue with their phones after my previous complaint. They also have not reached out to follow up since my payments have stopped.



      Regards,



      **** ********









       

      Business Response

      Date: 09/14/2023

      We are in receipt of your correspondence concerning a complaint made against National Enterprise Systems ("NES") by **** ********. We have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. 
      There was an account placed ******** ************ ***, with NES for collections. The original creditor was ******* ******** **** ******** ** ***** *********. NES does not own the account but was attempting to collect the outstanding balance on behalf of ******** ************ ***. 
      NES apologizes for the difficulties Mr. ******** had in contacting NES. NES did speak with Mr. ******** on September 7, 2023, and provided NES' website information where Mr. ******** can make his payments. While on the phone, Mr. ******** was able to make a payment using the website. 
      Mr. ******** can contact NES at 800-973-0600 ext. 1599 or myself at 440-260-1862 for future discussion regarding his account. 
      We are sorry for t • e inconvenience Mr. ******** experienced and hope this brings this matter to a conclusion. 

      Sincerely,

      Eric T***

      NES

    • Initial Complaint

      Date:06/28/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      Theres an account placed on my credit report in the amount of 1,363.15 its been on my credit report well over several years after the account was closed and charged off. I am in the process of purchasing a home and would like to request that the account be removed from all three credit bureaus report. I have requested the original contract agreement. Which the company has not provided. It’s affecting my score tremendously could the bbb help have this matter resolved. Thanks

      Business Response

      Date: 06/29/2023

      We are in receipt of your correspondence concerning a complaint made against National Enterprise Systems ("NES") by ****** * ****. We have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. 


      There was an account placed by ****** ***** ******** ***********, pertaining to a **** **** account, with NES for collections. NES does not own the account but was attempting to collect the outstanding balance on behalf of ****** ***** ******** ***********. 


      NES spoke with Mr. **** on June 19, 2023, and again on June 22, 2023. During these conversations, Mr. **** and NES agreed to the current settlement of $478.00 in two payments of $239.00 dated June 30, 2023, and July 6, 2023. Mr. **** did not mention any dispute or request any documentation of the account. NES has requested a copy of the contract and will forward to Mr. **** once received. 


      NES does not report to the credit bureaus for ****** ***** ******** ***********. For credit bureau questions, Mr. **** may call ****** ***** ******** *********** at 800-321-3950. 


      We are sorry for the inconvenience Mr. **** may have experienced and hope this brings this matter to a conclusion. 


      Sincerely,

      Eric T***
      Manager, Regulatory Compliance
      NES 

      Customer Answer

      Date: 07/06/2023

      Better Business Bureau:



      I have reviewed the response made by the business in reference to complaint ID ********, and have determined that this does not resolve my complaint.  For your reference, details of the offer I reviewed appear 

      The account is has  been charged off and closed years ago, the comtract related to this account has been closed 



      Regards,



      ****** ****









       

      Business Response

      Date: 07/08/2023


      We are in receipt of your correspondence concerning a complaint made against National Enterprise Systems ("NES") by ****** * ****. We have conducted an investigation with respect to this matter and we appreciate the opportunity to respond and provide you with our position. 

      There was an account placed by ****** ***** ******** ***********, pertaining to a **** **** account, with NES for collections. NES does not own the account but was attempting to collect the outstanding balance on behalf of ****** ***** ******** ***********. 

      The account was charged off on 01/31/2019, this does not mean that the account is no longer owed. If Mr. **** can provide documentation that the account has been paid, NES will be more than happy to provide the information to our client for review. NES has requested a copy of the contract and will forward it to Mr. **** once received. 

      Mr. **** may call ****** ***** ******** *********** at 800-321-3950. 

      We are sorry for the inconvenience Mr. **** may have experienced and hope this brings this matter to a conclusion. 

      Sincerely,

      Eric T***
      Manager, Regulatory Compliance
      NES 

    • Initial Complaint

      Date:06/22/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      NES called both me and my family members indicating that they needed to speak with me. At present, I have no outstanding debts owed to NES or have ever had any business or contractual engagements with them.

      Business Response

      Date: 06/30/2023

      Good Afternoon,

      Attached is the response for complaint ID#********-*****.

      Thank You,

      Eric T***

    • Initial Complaint

      Date:05/23/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      My name is ***** ******. My mom’s name is ******* *********. When my mom passed away in 2017 I was notified that a debt had to be paid. I don’t remember the name of the company but the Debt collections’ organization is National Enterprise Systems. I agreed to pay with the company they represent $50.00 monthly by my checking account. The National Enterprise Systems agency refuses to apprise me information about how much I owe their client and the Name of their client. This is the information that I am trying to ascertain and they refuse to tell me stating they cannot give this info. I cannot stop payment/block this company unless I change my bank account number. Please help me find out how I can ascertain this information about this account. My mom’s name is ******* *********. My financial situation has changed and would like to settle the account or reduce the amount paid monthly. Please contact me by phone ************ and or email ***********@yahoo. Com. Thank you. ***** ******

      Business Response

      Date: 05/25/2023

      Good Afternoon,

      Attached is the NES response to complaint ID ********.

      Have a great holiday weekend,

       

      Thank You,

      Eric T***

      NES

    • Initial Complaint

      Date:04/19/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      On March 17 2023, I received a letter from National Enterprise Systems. It incorrectly stated I owe a debt of $2,000.00 to PNC Bank. This puts National Enterprise Systems in multiple violations of the Fair Debt Collection Practices Act (FDCPA) and Fair Credit Reporting Act (FCRA).

      On March 30, 2023, I disputed this debt with a certified mail letter (USPS Tracking # **********************). National Enterprise Systems responded with documents that don’t show I owe a debt.

      Please see the attached copy of my early warning report showing this account was closed as of 04/04/2022 with a $0 balance. I do not owe a debt with PNC Bank.

      Violations:
      15 U.S. Code § 1692c (a) Communication with the consumer generally - “Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt.

      15 U.S. Code § 1692b (2) Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt.

      15 U.S. Code § 1692b (5) Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

      15 U.S. Code § 1692d (2) - The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
      These violations have caused me great harm in being unable to open a new personal or business bank accounts. This is holding back personal and professional growth as I'm unable to get the necessary accounts to grow my personal and business ventures. Please see the attached denial of getting approved for a bank account because of National Enterprise Systems.

      Business Response

      Date: 04/26/2023

      We are in
      receipt of your correspondence concerning a complaint made against National
      Enterprise Systems ("NES") by Chase *******. We have conducted an
      investigation with respect to this matter, and we appreciate
      the opportunity to respond and provide you with our position.
      On March 16, 2023, an account was placed by PNC Bank with NES for
      collections. NES does not own the account but was attempting to
      collect the total outstanding balance on behalf of PNC Bank.
      On April 6, 2023, NES received Mr. *******'s certified letter disputing
      the debt and requesting validation. NES requested the
      documentation from our client and forwarded the documents to Mr. ******* on April 10, 2023.
      NES does not report to the Credit Bureaus for PNC Bank.
      We apologize for the
      inconvenience and hope this brings this matter to a conclusion. NES has informed PNC Bank of Mr. *******'s complaint. The account has been
      returned to PNC Bank and Mr. ******* may contact PNC at
      888-762-2265 if he wishes to discuss the account.

      Sincerely, 

      Eric T***
      Manager, Regulatory Compliance
      NES

    • Initial Complaint

      Date:01/02/2023

      Type:Billing Issues
      Status:
      Answered
      Resolved:
      The complainant verified the issue was resolved to their satisfaction.
      Unresolved:
      The business responded to the dispute but failed to make a good faith effort to resolve it.
      Answered:
      The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
      Unanswered:
      The business failed to respond to the dispute.
      Unpursuable:
      BBB is unable to locate the business.
      I receieved a letter stating I owe over 5K dollars for an outstanding debt. I have never received any calls, other letters etc. I am more than happy to pay any outstanding debts I have. However, this letter was threatening. I sent a letter back in response to NES. However, as of Jan 2, 2023, I still have not received a response.

      This morning, Jan 2, 2023, I woke up with a hold on my checking account for over 2700 dollars. No notice, nothing. I have been trying to contact NES ( NATIONAL ENTERPRISE SYSTEMS) for over 3 weeks now with no avail.

      I am more than happy to settle any debt I have with a payment arrangement. I was completely unware of this debt until mid dec 2022 when I have been trying to settle it.

      Now, I have a huge hold on my account when I am very recently unemployed. My company did layoffs after thanksgiving and I need every cent in my account to pay rent and utilities.

      I'm not sure how the BBB can help but I wanted to bring this to attention. My national enterprise system reference #********
      *******@gmail.com

      Thank you for any and all help.

      Business Response

      Date: 01/04/2023

      Good afternoon,

      Attached is the NES response to complaint ID ********-*****.

      Thank You,

      Eric T***

      NES

    National Enterprise Systems is NOT a BBB Accredited Business.

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