Complaints

This profile includes complaints for N.A.R. Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  N.A.R. Inc.

  1600 W 2200 S Ste 410 Salt Lake City, UT 84119-7240

• 

  N.A.R. Inc.

  PO Box 701878 W Valley City, UT 84170-1878

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.

• Initial Complaint

  Date:06/03/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 NARS **** I do not have a contract with the collection agency they did not provide me with the original contract as requested.

  Business Response

  Date: 06/10/2025

  Dear ***** *******,Business & Consumer Relations,

  
  Thank you for forwarding the complaint from Ms. ******* *****. This shall serve as our official response.We consider every complaint a serious matter. Our company prides itself on how weve interacted with consumers over the past 31 years as we continue to strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into Ms. ****** allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We would like to provide some additional information that will shed light on this matter.
  
  In her complaint ******** alleges that she is not liable for her debt in our office. Additionally, ******** alleges that she does not have a contract with North American Recovery and that we did not provide her with the original contract as she requested. While ******** is correct that she does not have a contract directly with our office she does have a contract with our client, ***************. Ms. ***** entered into an agreement with our client with a promise to pay. Ms. ***** failed to uphold her obligations, and her account has since been transferred to our office by ****************
  
  Our office has never had any communication with Ms. ***** prior to this complaint, nor did we ever receive any request for the original documents via any medium. Since receiving Ms. ****** complaint our office has been in contact with our client and has requested all documentation that proves Ms. ****** debt as valid and owing. Once these are received, we will provide them to the email address she included in her initial complaint.
  
  Regarding Ms. ****** desired settlement, demanding her account be removed from her credit report immediately. We have confirmed that this account is reporting accurately to Ms. ****** credit report and once she pays her account in full,our office will report her account to the credit bureaus as paid in full.
  We invite Ms. ***** to call our office and coordinate paying her balance in full.Our number is ************. She can reach our office Monday through Friday between 8:00 AM and 5:00 PM MST.
  We now consider this matter resolved.
  
  Sincerely,
  
  The Complaint Response Team
  North American Recovery

• Initial Complaint

  Date:05/15/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 the debt with ******************. I do not have a contract with NAR,Inc.; they did not provide me with the original contract as requested.

  Business Response

  Date: 05/15/2025

  Dear ***** *******,Business & Consumer Relations,

  Thank you for forwarding the complaint from *** ****** ********. This shall serve as our official response.We consider every complaint a serious matter. Our company prides itself on how weve interacted with consumers over the past 31 years as we continue to strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into *** ********* allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We confirmed that all of our interactions with *** ******** were professional and respectful at all times, and we treated him with dignity. We would also like to provide some additional information that will shed light on this matter.
  
  In his complaint *********** alleges that he is not liable for his debt with White Tree Medical.Additionally, *** ******** alleges that he does not have a contract with North American Recovery and that we did not provide him with the original contract as he requested. While *** ******** is correct that he does not have a contract directly with our office he does have a contract with our client, ******************. *** ******** entered into an agreement with our client to receive goods and services with a promise to pay for said goods and services. *** ******** failed to uphold his obligations, and his account has since been assigned to our office by ******************.
  
  Our office has never received any request for the original documents via any medium prior to this complaint. Since receiving *** ********* complaint our office has been in contact with our client and have requested all documentation that proves ************ debt is valid and owing and we have provided them to the email address he included in his initial complaint.
  
  Regarding *** ********* desired settlement, demanding his account be removed from his credit report immediately. We have confirmed that this account is reporting accurately to *** ********* credit report and once he pays his account in full, our office will report his account to the credit bureaus as paid in full.

  We invite *** ******** to call our office and coordinate paying his balance in full. Our number is ************. He can reach our office Monday through Friday between 8:00 AM and 5:00 PM MST.

  We now consider this matter resolved.
  
  Sincerely,
  
  The Complaint Response Team
  North American Recovery

• Initial Complaint

  Date:05/07/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 Mountain America Credit Union. I do not have a contract with NAR Inc, they did not provide me with the original contract as requested.

  Business Response

  Date: 05/07/2025

  Dear ***** *******,
  Business & Consumer Relations,

  Thank you for
  forwarding the complaint from Ms. ***** ******** This shall serve as our official response.
  We consider every complaint a serious matter. Our company prides itself on how we’ve interacted
  with consumers over the past 31 years as we continue to strive for exchanges
  that are complaint free.
  
  We have conducted
  a thorough investigation into Ms. ********* allegations and are pleased to report that
  during our investigation, we determined that no state or federal laws were
  violated by any of our
  agents. We would like to provide some additional information that will shed
  light on this matter.
  
  In her complaint Ms.
  ******* alleges that she is not liable for her debt in our office.
  Additionally, Ms. ******* alleges that she does not have a contract with North
  American Recovery and that we did not provide her with the original contract as
  she requested. While Ms. ******* is correct that she does not have a contract
  directly with our office she does have a contract with our client, Mountain
  America Credit Union. Ms. ******* entered into an agreement with our client to
  receive goods and services with a promise to pay for said goods and services. Ms.
  ******* failed to uphold her obligations, and her account has since been
  transferred to our office by Mountain America Credit Union.
  
  Our office has
  never had any communication with Ms. ******* prior to this complaint, nor did
  we ever receive any request for the original documents via any medium. Since
  receiving Ms. ********* complaint our office has been in contact with our
  client and have requested all documentation that proves Ms. ********* debt as
  valid and owing and we have provided them to the email address she included in
  her initial complaint.
  
  Regarding
  Ms. Ms. ********* desired settlement, demanding her account be removed from her
  credit report immediately. We have confirmed that this account is reporting
  accurately to Ms. Ms. ********* credit report and once she pays her account in
  full, our office will report her account to the credit bureaus as paid in full.
  We
  invite Ms. ******* to call our office and coordinate paying her balance in
  full. Our number is 801-364-0778. She can reach our office Monday through
  Friday between 8:00 AM and 5:00 PM MST.

  
  We now consider
  this matter resolved.
  
  Sincerely,
  
  The Complaint
  Response Team
  North
  American Recovery

• Initial Complaint

  Date:03/28/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 ******* to Own. I do not have a contract with North American Recovery, and they have not provided me with the original signed agreement as requested.

  Business Response

  Date: 03/31/2025

  Dear ***** *******,Business & Consumer Relations,

  Thank you for forwarding the ********* from Mr. **** ****. This shall serve as our official response. We consider every ********* a serious matter. Our company prides itself on how weve interacted with consumers over the past 31 years as we continue to strive for exchanges that are ********* free.
  
  We have conducted a thorough investigation into Mr. ***** allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We would also like to provide some additional information that will shed light on this matter.
  
  In his ********* Mr. **** alleges that he is not liable for his debt with EZ Rent to Own.Additionally, Mr. **** alleges that he does not have a contract with our office and that we have not provided him with the original agreement as he requested.While Mr. **** is correct that he does not have a contract directly with our office. However, he does have a contract with our client, EZ Rent to Own. Mr. **** entered into an agreement with our client to receive goods and services with a promise to pay for said goods and services. Mr. **** failed to uphold his obligations, and his account has since been assigned to our office by EZ Rent to Own.
  
  Our office has never had any communication with Mr. **** via any medium. Since receiving Mr.***** ********* our office has taken the liberty of gathering all the documentation that validates Mr. ***** debt and has provided them to the email address he included in his initial *********. If Mr. **** believes he is not liable for this debt, we invite him to send our office supporting documentation.
  
  Regarding Mr. ***** desired settlement, demanding a correction to his credit report. We have confirmed that this account is reporting accurately to Mr. ***** credit report and once he pays his account in full, our office will report his account to the credit bureaus as paid in full. We invite Mr. **** to call our office and coordinate paying his balance in full.Our number is ************. He can reach our office Monday through Friday between 8:00 AM and 5:00 PM MST.

  We now consider this matter resolved.
  
  Sincerely,
  
  The Complaint Response Team
  North American Recovery

  
  

• Initial Complaint

  Date:03/28/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 need a satisfaction for a judgment and all the phone numbers are disconnected. Contact Us Main Office: ************** Toll-Free: ************** Consumer Services:Would you like to speak with someone about your account thats been assigned to our agency?Direct Line: ************** | Email: [email protected] Client Services:Existing clients can reach our ************** Team here:Direct Line: ************** | Email: [email protected] Sales If you would like to hire us to collect a past due account thats owed to your business, you can reach our sales team here:Direct Line: ************** | Email: [email protected] N.A.R., Inc.North American Recovery ************************************************************************************************ North American Recovery is a ****************** This is an attempt to collect a debt. Any information obtained will be used for that purpose.

  Business Response

  Date: 03/31/2025

  To whom it may concern,
  
  Thank you for forwarding the complaint from Nada ***-******. This shall serve as our official response.We consider every complaint a serious matter. Our company prides itself on how weve interacted with consumers over the past 31 years as we continue to strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into Nada *********** allegations. We have searched our database by their name, home address, phone number, and email address but we cannot find an account for them in our system at all.
  
  If Nada ***-****** would like to contact our office and speak with ****** ********, we would be happy to locate this instance and help resolve this matter. Our number is ************. They can reach our office Monday through Friday between 8:00 AM and 5:00 PM MST.
  Sincerely,
  
  The Complaint Response Team
  North American Recovery

• Initial Complaint

  Date:03/10/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 NAR INC. I do not have a contract with NAR INC. This account was opened without my authorization and constitutes fraudulent activity. The company has

  Business Response

  Date: 03/10/2025

  Dear ***** *******,
  Business & Consumer Relations,

  Thank you for
  forwarding the complaint from Ms. ******* ******. This shall serve as our official
  response. We consider every complaint a serious matter. Our company prides
  itself on how we’ve interacted with consumers over the past 31 years as we
  continue to strive for exchanges that are complaint free.
  
  We have conducted
  a thorough investigation into Ms. ******’s allegations and are pleased to
  report that during our investigation, we determined that no state or federal
  laws were violated by any of our
  agents. We would also like to provide some additional information that will
  shed light on this matter.
  
  In her complaint Ms.
  ****** alleges that she is not liable for her debt with North American Recovery.
  Additionally, Ms. ****** alleges that she does not have a contract with our
  office and that her account was opened without her consent and is fraudulent.
  While Ms. ****** is correct that she does not have a contract directly with our
  office she does have a contract with our client, AAA Lenders – AMG. Ms. ****** entered
  into an agreement with our client to receive goods and services with a promise
  to pay for said goods and services. Ms. ****** failed to uphold her obligations,
  and her account has since been assigned to our office by AAA Lenders – AMG.
  
  As a professional courtesy
  our office has taken the liberty of gathering all the documentation that
  validates Ms. ******’s debt and have mailed them to the address she included in
  her initial complaint. If Ms. ****** believes this account to be fraudulent, we
  invite her to send our office supporting documentation.
  
  Regarding
  Ms. ******’s desired settlement, requesting a correction to her credit report. We
  have confirmed that this account is reporting accurately to Ms. ******’s credit
  report and once she pays her account in full, our office will report her account
  to the credit bureaus as paid in full.

  We
  invite Ms. ****** to call our office and coordinate paying her balance in full.
  Our number is 801-364-0778. She can reach our office Monday through Friday
  between 8:00 AM and 5:00 PM MST.

  We now consider
  this matter resolved.
  
  Sincerely,
  
  The Complaint
  Response Team
  North
  American Recovery

• Initial Complaint

  Date:02/20/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  Im not liable for this debt with ***** Acceptance. I do not have a contract with NAR INC, they did not provide me with the original contract as I requested.

  Business Response

  Date: 02/21/2025

  Dear ***** *******,Business & Consumer Relations,

  Thank you for forwarding the complaint from Mr. ****** *******. This shall serve as our
  official response.We consider every complaint a serious matter. Our company prides itself on
  how weve interacted with consumers over the past 31 years as we continue to strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into Mr. ******** allegations and are pleased
  to report that during our investigation, we determined that no state or federal laws were violated
  by any of our agents. We would also like to provide some additional information that will shed light on this matter.
  
  In his complaint *********** alleges that he is not liable for his debt with Arivo Acceptance.Additionally, Mr. ******** alleges that he does not have a contract with North American Recovery and that we did not provide him with the original contract as he requested. While Mr. ******** is correct that he does not have a contract directly with our office he does have a contract with our client, Arivo Acceptance. Mr. ******* entered into an agreement with our client to receive goods and services with a promise to pay for said goods and services. Mr. ******* failed to uphold his obligations, and his account has since been assigned to our office by Arivo Acceptance.
  
  Our office has never had any communication with Mr. ******* prior to this complaint nor did we ever receive any request for the original documents via any medium. Since receiving Mr. ******** complaint, we have emailed the documentation that validates the debt to the email we have on file.
  
  Regarding Mr. ******** desired settlement, requesting a correction to his credit report and demanding this account to be removed. We have confirmed that this account is reporting accurately to Mr. ******** credit report and once he pays his account in full, our office will report his account to the credit bureaus as paid in full.

  We invite Mr. ******* to call our office and coordinate paying his balance in full. Our number is ************. He can reach our office Monday through Friday between 8:00 AM and 5:00 PM MST.
  We now consider this matter resolved.
  
  Sincerely,
  
  The Complaint Response Team
  North American Recovery

• Initial Complaint

  Date:02/11/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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.

  This company has somehow found my family members information and has been been harassing them saying that I'm involved with a "business venture". The only debt I have is medical debt. They probe my family members for information about me and when asked who they are or what the call or visit is about they give no information as to the nature of who they represent or what their purpose is. This company specializes in collection of credit card debt and student loan debt, both of which I have none. Yet this company is AGGRESSIVELY pursuing my family members for information about me. In my opinion this is harassment and N.A.R. Inc should be monitored for unfair practices.

  Business Response

  Date: 02/12/2025

  Dear ***** *******,
  Business & Consumer Relations,

  Thank you for
  forwarding the complaint from Mr. **** ****** This shall serve as our
  official response.
  We consider every complaint a serious matter. Our company prides itself on
  how we’ve interacted
  with consumers over the past 31 years as we continue to strive for exchanges
  that are complaint free.
  
  We have conducted
  a thorough investigation into Mr. ******* allegations and are pleased
  to report that
  during our investigation, we determined that no state or federal laws were
  violated
  by any of our
  agents. We confirmed that all of our interactions with Mr. ***** were
  professional and respectful at all times, and we treated him with dignity. We
  would also like to provide some additional information that will shed light on
  this matter.
  
  In his complaint Mr.
  ***** alleges that our office has been harassing his family saying that he is
  involved with a “business venture.” Mr. ***** also alleges that we are
  aggressively pursuing his family members for information. The calls we make to
  third parties are allowed under the law and when we contacted Mr. *****’s
  family we simply were attempting to confirm we have the correct location
  information for Mr. ***** and at no time did our office ever divulge the fact
  that Mr. ***** has an account in our office or mention anything to do with debt
  collections to a third-party we specifically stated that the call was in regard
  to a personal business matter of Mr. *****’s.
  
  Mr. ***** does in
  fact have an account in our office and as a professional courtesy we have
  gathered all the documentation that proves Mr. ******* account as valid and
  owing and have supplied them to the email he included in his initial complaint.
  
  We
  invite Mr. ***** to call our office and coordinate paying his balance in full.
  Our number is ###-###-####. He can reach our office Monday through Friday
  between 8:00 AM and 5:00 PM MST.

  We now consider
  this matter resolved.

  Sincerely,
  
  The Complaint
  Response Team
  North
  American Recovery

• Initial Complaint

  Date:12/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 the debt with AAA LENDERS - AMG. I do not have a contract with North American Recovery/ NAR Inc. They did not provide me with the original contract as I requested.

  Business Response

  Date: 12/30/2024

  Dear ***** *******,Business & Consumer Relations,

  Thank you for forwarding the complaint from *** ****** ******. This shall serve as our official response.We consider every complaint a serious matter. Our company prides itself on how we interact with consumers and strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into *** ******* allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We confirmed that all of our interactions with *** ****** were professional and respectful at all times, and we treated her with dignity. We would also like to provide some additional information that will shed light on this matter.
  
  In her complaint, *** ****** alleges that she is not liable for the debt she owes to AAA Lenders AMG and that she does not have a contract with North American Recovery. Additionally, *** ****** alleges that our office did not provide her with the original contract as per her request. *** ****** is liable for this account and has been provided with documentation that proves her account is valid and owing, these documents were mailed to *** ******* home address on 11/20/2024. While *** ****** does not have a contract directly with N.A.R. Inc.AAA Lenders AMG received an account from Tiempo Loans, AAA Lenders AMG then forwarded her account to our office, and we are collecting on their behalf. ********* entered into an agreement with our client, AAA Lenders AMG, to receive goods and services with a promise to pay. *** ****** failed to uphold her obligation,and her account has since been forwarded to our office.

  Regarding *** ******* desired resolution, requesting we correct her credit report and demand that this account be removed from her credit report, we have confirmed that this account is reporting accurately to *** ******* credit report and once she pays her account in full, our office will report her account to the credit bureaus as paid in full.
  We invite *** ****** to call our office and coordinate paying her balance in full.Our number is ************. She can reach our office Monday through Friday between 8:00 AM and 5:00 PM MST.

  We now consider this matter resolved.
  
  Sincerely,
  
  The Complaint Response Team
  North American Recovery

• Initial Complaint

  Date:10/29/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  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 charter communications, I do not have a contract with **************************, they did not provide me with the original contract as I requested.

  Business Response

  Date: 11/05/2024

  Dear ***** *******, Business & Consumer Relations,
  
  Thank you for forwarding the complaint you received from Ms. ***** *****. This shall serve as our official response to her complaint. We consider every complaint a serious matter. Our company prides itself on how we interact with consumers and strive for exchanges that are complaint free.
  
  We have conducted a thorough investigation into Ms. ****** allegations and are pleased to report that during our investigation, we determined that no state or federal laws were violated by any of our agents. We would also like to provide some additional information that will shed light on this matter.
  
  In her complaint, Ms. ***** alleges that she is not liable for this account as well that she does not have a contract with North American Recovery and that she has previously requested the contract. Additionally, Ms. ***** is requesting a contract she signed directly with N.A.R. Inc. ********** doesnt have a client by the name of Charter Communications, nor do we do business with that company. Please direct your complaint to their office.
  
  If Ms. ***** has any further questions, we invite her to call our office. Our number is ************. She can reach us Monday through Friday between 8:00 AM and 5:00 PM MST.
  
  We now consider this matter resolved and closed.
  
  Sincerely,
  The Complaint Response Team
  North American Recovery