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!

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.

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 -- 198414-925-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.

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.

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.