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Does anyone have information on National Enterprise System?

Submitted by Ehwin on Fri, 05/19/2006 - 12:40
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Help please - looking for information on National Enterprise Systems, if there is a thread, can you let me know where it is?
I need info as soon as possible - Thanks!


I have received calls from this number (1-800-498-1798) nearly everyday. First, it is a man's voice who says he wants to talk to me about important business. On Tuesday evening I received the call again, called it back (not *69), got a recording then a woman answered. After I explained what I wanted (I wanted to know who this company was, what do they do, etc.), she connected me to another extension. A man answered (not the same man's voice as in the beginning) and after asking him who is was and who he was working for he said "National Enterprise Systems." I explained that I was suspicious of this call and he would tell me no more except that if I give him a number he can check it and have it removed. I gave him my office number. Now I will see if I begin receiving calls at work. I will keep investigating this. I want others to beware.


Submitted by on Tue, 11/27/2007 - 17:16

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I set up payment arrangments with them and after the first payment they took out they call and tell me the agreement that we worked out is null and void and they demanded the whole amount today. The funny thing is that this would have been paid in full by February . And they pull this crap. I already notified FDSCPA about what happened. Then the 200.00 that they took out did not effect the amount due at all.Is there anything that I can due? I don't want to get scammed again.


Submitted by on Tue, 12/04/2007 - 10:03

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these guys are a**holes. I worked with them to reach a settlement of $6975 and after they received their payment ,I was contacted and told that it wasn't enough for their client and needed to pay another $3000 within 5 days.


Submitted by on Fri, 12/07/2007 - 08:17

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I also received a call from national enterprise systems a few days ago. This call was out of the blue since I never received anything
from them in the mail.... ever. I kept getting an automated call (unknown name & number on the caller id) until I couldn't take it anymore
and called the number back to see who it was.I spoke with michael w****s who informed me from the start that he was an arbitrator for an
attorney and a judgement was filed against me yesterday. He stated If I didn't pay the full amount by the end of the day he was going to march
the papers straight over to the attorneys office and I will receive a summons to appear in court on December 18th. He then kept asking if I wanted to
settle this out of court by giving him my bank account information and paying the full amount. This call went on for about 10 minutes before
I informed him I wish to end the call and put down the phone when he began to get more aggressive. This was all within the very first contact with them.
He then began to call repeatedly throughout the rest of the day on the lan line and my cell phone. He wasn't leaving any messages, Just calling repeatedly.
I don't know where he got my private cell phone number. The calls resumed early the next morning and continued on throughout the day on both lines.
I looked these guys up online and found out who they are, and what they do to people by reading many of the complaints and experiencs others are having
with them.

Although I'm a recording studio engineer, and recording a conversation would be very easy for me, I've never done such a thing in my lifetime. Until now.
Unfortunately, I live in Pennsylvania which requires 2 party consent to record a phone call so legally I had to inform him with my first breath that
I was recording the call for my own records. He asks "Why do you need to record the call?" I exclaimed "For my own records, and the threats of a
lawsuit judgement". He replies "You do not have my permission to record this phone call". I replied "Well then I guess that's the end of our conversation".
He then replies "Are you going to pay this bill or not?" I made him aware (once again to be safe) that I am recording this call. After telling me again
that he does not give permission for recording the call he stated "You need to turn off your little tape recorder and get out your checkbook". I then asked
him about the conversation we had yesterday about the judgement, lawsuit, summons....etc. and he stated "If your gonna record the call...."Ugh".... I have
nothing to say to you". Then he hung up....... He had so much to say less than 24 hours ago. As I suspected, everything he told me the day before, and
everything he was going to say during that conversation was against the law and didn't he want to get caught....

The calls stopped for the rest of the day, and hopefully for good from this company. I did notice a no name & no number at 8:41am the next morning on my
caller id but most pre-pay cell phones and unlisted, private numbers come up that way too so it might not have been them.

Most states have a one party consent law so look it up before you tape a conversation!! You may be able to record their abuse without having to let them know
you are recording the conversation. What I found online from many sites.... 38 states are one party consent, and 12 are two party consent. After looking
this up on many sites I determined (for myself) that for two party consent you do not need permission to tape a call, You only need to inform the other party
(At the beginning of the call with you telling them you are recording them on tape!!) you are taping the call. If they continue to yammer on after you advised
them you are taping it is considered consent since you told them, and they well are aware they are being recorded. I'm not a lawyer so look up the laws in your
state before you tape a call!! If I lived in a one party consent state I would have recorded them breaking every law written for abusive debt collectors.

So there it is.... Tape your calls but remember to follow your states laws...... You could be charged with a crime if you illegally record a conversation!!
Even if you don't have the means, or the intention of recording them just simply tell them you are taping the call anyway. They will be on their best behavior
and stop threatening you, or hang up and call you less, or not at all.

After reading all of the experiences on this page, as well as many others, I refuse to let this happen to me. Many of us have debt and it's bad enough without
the lying, harrassment, threats & intimidation which seems to be the only way this company operates.


Submitted by on Sat, 12/08/2007 - 15:02

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These people have been calling me everyday looking for someone who shares the same last name, accusing that I owe BofA 18k and they want my account number etc. I keep asking to get taken off their calling list and they keep calling with threats and harrassment. Today, I finally had enough and looked NES up and spoke to a manager named Mary Shaw to find out how they got my number. Of course, she hung up on me when I ask if they just look up the last name of the debtor and call everyone in the yellowpages. When I called back (let them get a dose of their own medication), she continues the rude, threatening tactics when I told her I will report this company to the FTC, BBB, Ohio Attorney General's office. I encourage you to all do the same. This company needs to be put away. I don't owe these people money so I am not scared of them, but I shudder to think what happens if an unsuspecting senior in my household is threatened into giving them their bank account number! Totally unethical company with the worse low-life employees and management possible. I am about to call BofA and ask them why they'd hire such an unprofessional company that harrasses innocent people.


Submitted by on Tue, 12/11/2007 - 11:30

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I owe about 800 on a credit card and it was sent to collections. National Enterprise Systems was the first credit agency and then they sent it to another. I just got a message on my phone today that it has been sent back to NBS and they are taking it a step further and to call them back. I have tried to tell one of the creditors that I could make 50 or 100 dollars a month but they said that they wouldn't except it. Once, I set it up so they could take the money out of my account and the guy promised me that if I wasn't going to be able to have the money in my account that we could cancel that and make another arrangement. However, one time I called to say that I wouldn't have the money because my hours were cut back and he wouldn't cancel it! I don't know what to do now! I am very nieve about these kinds of things. Please give some advise!


Submitted by on Thu, 12/13/2007 - 15:25

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These people are @$$HOLES! The lady I first talked to was nice, then she put me on the phone with a bulldog who said I would be SUED unless I paid them ASAP! Bulldog told me that Citibank decided to settle for $9,000 (very geneous he said) on debt of $14,000 that I have been unable to pay. They debited my account for $1,500 that day and the other $7,500 bulk was due December 26th (Merry Christmas!) I opened a letter from them today (12/25) which shows they are going to debit me for $13,371.59. So not only are they @SSHOLES they're liars too! :x And sionce its Christmas, who the hell would be there today???


Submitted by on Tue, 12/25/2007 - 19:22

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Ok you guys... here's the lowdown on NES.. I am going to do this completely annonymous because I used to work for NES and I hated every minute of it!! I guess that's why I quit!
#1.. except for a few states that have laws about using aliases... No one at NES uses their real name!! Do a search of fdcpa laws to see if your state allows use of alias...
#2.. Everyone at NES is on an automatic dialing system, so the computer actually dials your number and while they are waiting for you to pick up the phone, they have all of your personal information on their screen... they must verify that they are talking to the debtor... if they disclose any information about you OR the debt you owe to anyone other than you, without permission, they are in violation of FDCPA laws.. look it up!
#3.. EVERY collector gets a commission IF you pay!! Look at your old bills!! If they jack up the original amount to compensate themselves, this is a violation... here's how this all works...
EXAMPLE: you owe Sears $3000.00
after sears takes you through their own collection dept. they sell your account to the collection agency.. the collection agency will buy this debt and tack on a collection fee.. lets say 10% of your original balance... what a collection agent will never tell you is... they can usually at least go as far down as the original balance...(but then they wouldn't make a profit)! Not all, but most of the time they can even knock off anywhere from 10% - 40% of the original debt!!
#4.. Scare tactics!!! almost 99% of the time they will not file a judgement against you!! Their whole paycheck depends on it!! Collectors don't get paid to talk on the phone!! I have seen people get fired because they can't meet their quota!! These people get paid when they collect your money!! SIMPLE FACT!! You will get phone calls and nasty grams in the mail for months before it would go to judgement!!! And even then, they will sell your account to ANOTHER collection company before they take you to court!!! If i can remember my exact word for word script.. They say something to the effect that if you do not settle to the terms they give you, they will submit a recommendation for a judgement to be made against you in the state of XXXXXX.... This is what they say to every debtor!! They have NO legal authority!! IF they threaten or say that they will have you arrested and all of your property seized, this IS a direct VIOLATION of FDCPA code!!
#5.. They CANNOT take more out of your checking or savings account than what YOU agree to and WHEN you agree to have it deducted!! IF they do not agree to your terms of payment, this is also a violation!
#6.. IF you talk to the collector at all, RECORD the conversation, and TELL the collector you are recording it!! If they continue talking to you instead of hanging up.. like most collectors do... then you can use this recording in the event that you do end up in court.. you can even use this if they decide to harrass you!! if they do anything that i have already explained above... you can use the recording against them!!
#7.. You must send them a cease and desist order by certified mail for it to work! If you simply tell them to stop calling they can keep calling.. but know this... They are only ALLOWED to talk to you on the phone ONCE per day!! They can leave multiple messages.. (as long as they do not disclose the reason they are calling is to collect a debt) but once they TALK to YOU they are not allowed BY LAW to call you back unless you specifically told them to call!!! AND even better... They are not allowed to call your work IF your supervisor tells them not to!! And they must call your residence between 9 AM and 8 PM in your time zone... If they call any other time!! It is harrassment!!!
#8.. College Loans... College loans are the only tricky area when it comes to collections... A college loan is the only debt that can have serious consequences if not paid... they CAN put a lein on your tax refunds... they CAN garnish your wages!!! BUT depending on who owns your debt now... NES can set up payment options for this as well!!! ASK !!!

I am not sure how other collections companies work... but NES is definitely doing bad business!! Thats why I quit... I didnt want to end up being sued for doing my job... and I am not a MEAN person at heart!!! If you owe a debt, I would never tell you not to pay it... but these people are heartless and spineless!!!
I hope this was helpful!!!


Submitted by on Tue, 01/15/2008 - 13:32

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My experience dealing with National Enterprise Systems has been similar to all the negative responses posted here. NES is by far the most aggressive and unscrupulous collection agency I have ever dealt with. NES attempted to collect a debt from me in clear violation of the Fair Debt Collection Practices Act.

I didn't answer the phone when they called at first because the number came up as blocked or "private." When family members answered the phone, their agents accused them of lying, said things like "Why don't you stop lying to me, and admit that you're her." They also told my family that if I didn't return their call within the next 20 minutes, I would be subpoenaed.

A few weeks later, they called me at work! I do not know for certain how they got the number. This was a very humiliating and awkward situation. I do not have a direct line at work, so the receptionist connected the call for me to a colleague's phone. As soon, as I got on the line, the NES employee started yelling at me. I immediately told him that I was at work, and that I couldn't talk. I didn't hang up because I was scared that he would just call back. He wouldn't let me off the phone despite me repeatedly telling him that I was at work and could not talk at this time (which is illegal). Two of my colleagues and several other people were in the room at the time. He kept yelling and threatening me with being sued and having my wages garnished (again, illegal). I finally got off the phone with him when I gave him another phone number and arranged a time that I could take the call at that number. When I took that call at the designated time and number, I was harassed and threatened with being sued again. The NES agent refused to refer me to a supervisor, yelled and belittled me, before hanging up and calling back again. He called back and connected me to someone else who also yelled me. I was so upset.

I have since sent a cease and desist letter. I wanted to protect myself from further harassment and calls to my workplace in violation of the Fair Debt Collection Practices Act.

I'm also considering filing complaints with the Attorney General's office in my state as well as in Ohio where NES is based. I may also report their illegal behavior to the FTC and/or BBB.

In my opinion, it is very important to understand the debt collection process and its legalities to determine how you are going to proceed. From the information available, it looks like NES and other collection agencies like them, acquire accounts from creditors after the original account has not been paid on long enough that the first creditor can not legally pursue the debt any longer. NES buys the debt by paying the original creditor a fraction of the balance owed, and then hounds you for the full amount. NES employs scare tactics and illegal practices to profit from these unfortunate circumstances. I believe most people want to pay their bills. Sometimes people fall upon hard times. And even when they're no longer able to pay, many people have already made payments that amount to usury. In other words, the debtor (you) may have paid enough before their account lapsed so that the original loan amount has been repaid along with an amount of interest that would still have made the loan fair and profitable for the creditor. I think this is unethical, but NES and other sharks take advantage and profit from people who are unfortunate more often than not. They can not make money if people refuse to pay them, especially when they are attempting to collect debts in violation of the law.

Thank you to everyone who has posted about NES here. The information helped me to be better informed, and decide how to deal with them. I hope that my experience may help someone else who is having the same difficulty.


Submitted by on Thu, 01/17/2008 - 16:09

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The funny thing is that the Attorney General's Office in Ohio oursources their collections. Guess who one of their outsourcing companies is??? You're right--NES.
Do you think complaining to the state attorney general is going to do any good?


Submitted by on Mon, 01/28/2008 - 19:13

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i'm dealing with these guys. they refuse to send me any sort of official document stating that i have to pay them $$. they claim to have a debt of mine from verizon phone company totaling $280. they wanted us to pay by western union, credit card, or checking account. we will do none of those. we offered to send a money order. they said they wouldn't accept a money order. they told me they were going to sue me. over $280??? would that even cover their court fees? i doubt it. finally tracked down the original debt from verizon. they did indeed give it to national enterprise systems. i'm still not giving them any account info or paying to western union them money. they have called me repeatedly for months now, they have harassed me, and they have been completely rude. i've read a lot of complaints about them taking more money than what was agreed to and such. they can take my money order or nothing at all. oh yes, and i'm sure as heck not sending them ANYTHING until i get a paper trail... a bill, a statement - anything. they refuse to send me physical proof of the debt.


Submitted by on Wed, 02/06/2008 - 17:55

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well after reading everyone's comments about this collection agency...i feel a huge relief lifted from my shoulders!! i am young and got into a little debt with verizon wireless. i owe them 3k. i had them call me today and tell me that this is the last opportunity i have to make arrangements with them outside of court. if i do not comply then on feb 14 they will be sending me a certified letter of a judgment that will be placed against me. i told the lady that i was unaware of any legal action. she told me that a letter had been sent to me back on jan 3 and that i took more than my 30 days to reply to them.

i responded to the lady and said i recieved no such letter in the mail and therefor am lost at what is going on. after listening to her ramble on about something i then stated that i would love to pay off the debt and that i was actually waiting for my first bill in the mail from whoever the collection agency was supposed to be.

like everyone stated before she wanted all the money upfront. i told her that was not going to happen because i am now living in canada and i am up here for school and dont have a job :) (this is true but i knew she didnt want to hear it) she told me that she was going to file the suit due to me not wishing to pay the bill and that my ss# was going to be frozen and all my assests were going to be siezed. i asked her what assests do i have. i am 22 years old...i dont own anything!!!...i have 1 degree from school...she going to take that?

i went as far as saying...look lady... i want to pay you guys off so you wont bother me...how about payment arrangement?...i think she chuckled under her breath

well after we parted ways on the phone i was very upset and started to cry thinking my life is over i am officially a young adult stereotype!!

thank god i found this site...makes me feel much better and i am more aware of my rights.

p.s the lady on the phone told me that even though i live in canada now that once the judgment is passed it will basically screw me up here in canada....

f.y.i.....my debt from the states cant affect me here....i figured most people would know that. sure they can call and ask about my debt overall but my credit report and debt doesnt follow me here.....they caint come here and take me away because i havent paid.


Submitted by on Mon, 02/11/2008 - 13:50

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ALL THIS IS NOT TRUE, MY COMPANY IS LOYAL AND HONEST. ALL THESE ACUSATIONS I TAKE VERY OFFENSIVELY. I WOULD APPRECIATE IF YOU GUYS WOULD NOT SLANDER OUR NAME THAT WAY!!! THANK YOU


Submitted by on Tue, 02/12/2008 - 10:20

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Man, now I can take a breath, as I have been holding it ever since hearing from these creatures. I have a student loan debt and they are trying to threaten me with all kinds of action, but I cannot pay what they are asking right now. I heard the the Dept. of Ed even makes arrangements on student loans if you are experiencing financial hardship, but they make it sound like they will ruin you if you don't pay in full. The thing is I KNOW they can't do anything without taking me to court first and they don't even decide if it goes to court or not, but they sure try to make you fear the worst and it works if you don't educate yourself. Has anyone else dealt with them regarding student loans? Remember folks, you have RIGHTS! They can't just DO anything without following the law...and if they do...you got 'em.


Submitted by on Tue, 02/19/2008 - 06:54

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wow i thought that i was the only one that was receiving calls from nes....first some guy called me last year talking about i was going to get sued by citi back if i didnt pay them 1200 right then, i told him that i just got into an accident and lost my job and everything, but still i asked him if i could do some form of payment arrangement. he said no that i had to pay them now. then he was like "are you a student?" i said yes and he was like well take out a student loan and pay us or get sued. i asked him why he was talking to me like that and he just kept talking mean.....well anyway i hung up and they are still calling me now....


Submitted by on Tue, 02/19/2008 - 13:03

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I have received many phone calls regarding a supposed bill that got sent to them from verizon except when I call verizon they are saying I don't owe them anything. I don't know how to get them off of my back because they will not contact me by mail only by phone and of course they want verizon to supply a letter saying I do not owe this but I have no way to get it to them. This is absolutely ridiculous!!! They called me on my cellphone which is sooooo illegal and then they called me at 5:45 in the morning. These people are nuts.


Submitted by on Thu, 02/21/2008 - 15:16

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The best thing you can so with any collection agency is write a letter saying that you dispute the account and that you will only work with the original creditor. That is your legal right as a consumer. Credit Collectors buy debts after the credit credit card comapinies charge off the debt. Know your rights. Do a lot of research, it is free on the net. Do not talk to a debt collector orargue with them. Write a letter and send it certified returned receipt. If that does not work. Hire an attorney.


Submitted by on Wed, 03/05/2008 - 20:46

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Seems as though they are knee deep in trouble check out the links to action being taken in a couple of states against these people, use it as ammo if you need to and educate yourselves on the fair debt collections practices act well, it is worth the education when you have to speak to idiots at the other end of the phone who do not know the law or just plain do not care.

1. dockets.justia.com/docket/court-vaedce/case_no-3:2007cv00350/case_id-218562/

2. dockets.justia.com/docket/court-candce/case_no-3:2007cv03271/case_id-193319/


Submitted by on Sun, 03/09/2008 - 20:54

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i feel all of you. i am new to this. i recieved the same phone calls and freaked out. so i called the lawyers office that i use now. you see this lawyer office i used for a while because i like the way they work. but now the lawyer is a state senator. so they had me call her office in the main city. i brought this to them. they have been working on this situation and i hope it will turn out well. i was not sure of my rights either. but this page has been really good help. if i find out any new information i will try and update. i just dont think people should have the right to treat others this way no matter how much you owe. i just owe 1300.00 and they call me like i stole thier car. well good luck everyone


Submitted by on Thu, 03/13/2008 - 14:50

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some lady named nicole keeps calling my cell phone (thanks to her all my minutes ran up) and she keeps calling my job ! so when i talked to her and the guy that was recording the convo were telling me that if i dont make a payment by the time the phone call ends, that they were gonna sue me and i was freaking out b/c i am only 21 years old and i didnt know what to do, i called this company called consolated credit and i just signed up with them to get myself out of debt, and they told me that not to answer their calls and their def. not supposed to harras me at work and told me to send a complaint to fth and i did but fth also said theyre not supposed to harrass me calling me at work when other people are telling me they can call my job, its all very confusing, i really cant afford to lose my job, i hate this company right now, everytime i go to werk this week, i get nervous when i hear the phone ring my employer already told me that they dont want any phone calls from them but i cant even talk to the lady cause shes so rude ! wha do you guys think i should do, its the same people they been callin me from 8002613453, its getting me annoyed as well with my mother and i forgot to add that they even called my older sisters and she like yelled at them, its crazy, i have to wait till tomorrow what should i do meanwhile ? HELP !


Submitted by on Thu, 03/20/2008 - 20:36

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I WAS CALLED BY THEM THENOTHEWR DAY BY PHONE. THEY HAVE NEVER SENT A LETTER GIVING ALL THE CIRCUMSTANCES,OTHER THAN I BOUGHT SOME THING FROM BRANDSMART. DIDN'T KNOW WHAT OR WHEN.I OWE BM NOTHING,ALTHOUGH THIS MUST BE FROM A CREDIT CARD. I KEEP 4 YR RECORDS. IMALSO OWN MY OWN COMPANY DEALING IN MONEY. NES IS A GAME FOR ME. FILE COMPLAINTS WITH BBB,OHIO STATES STTNY AND FTC. I FAXED THEM A RESOINSE.PART OF THE RESPONSE WAS A DEFINATE COMPLAINT TI FTC...................TYHEY DECIDED TO LET ME ALONE,BUT THERE ARE OTHER STIPULATIONS WHICH I DAMAND WILL BE MET,OR MY OWN LAWSUIT WIL BECOME EFFECTIVE.
ANY Q'TS CONTACT ME E-MAIL [email]WAGG2000@AOL.COM[/email] BE GLAD TO GO AFTER THESE CLOWNS...............
DOEN'T LET THEM BOTHER YOU.MAKE IT A "GAME" PEOPLE


Submitted by on Sat, 03/22/2008 - 11:02

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PS
I ALSO NOTIFIED BRANDSMART CUST SERV AND EXPLAINED THE SITUATION AND NAMES OF THOSE I SPOKE TO AT NES. I AM A VERY GOOD CUSTOMER WITH BM. THEY DON'T WANT TO LOSE ME. CUST SERV WILL CONTACT NES. NES AND BM WOULD BOTH BE SUED BY ME IN ANY ACTION,BOTH LOCAL,SRATE AND FEDERALLY. BM DOES "not" WANT THAT TO HAPPEN

LATER TED H


Submitted by on Sat, 03/22/2008 - 11:20

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I got the phone call this morning asking to talk to my husband or give a number for him or we would be in huge legal trouble. Wouldn't say anything else or give details AT ALL. So, I call the number 800-246-0002 that "Greg Jones" provided and it's this company. I know it's about a Verizon bill that we don't even owe. (See Verizarape.com to hear about them, by the way.) So, I call NES back. The guy told me he couldn't talk to me legally and I told him my husband doesn't talk financial stuff over the phone and doesn't have time to call people who won't identify themselves. I haven't heard since, but what do I do from here? It's a bill I've already disputed with Verizon because I paid my cancellation fee last year just to get away from them. Seems like they are the fraudulent company that just keeps on giving. I'm fairly poor, but have no real debt (besides mortgage) and pay everything I owe, but I'm curious how aggressive they will get in this economy. . .


Submitted by on Wed, 03/26/2008 - 13:23

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well i think its time we fight back. i have read the fair debt collection practice act and i feel great. they have grossly violated federal law. i have set up an email with yahoo.com. it is [email]fightingnesback@yahoo.com[/email]. i wish anyone who is interested in taking this company down to email a discription of your case. i will bring this to the lawyers and see if we can't begin federal procedings. do understand that without your help we cant do anything. lets fight back for our rights. thank you.


Submitted by on Fri, 03/28/2008 - 06:07

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these morons have called me as well all day long. i have told them i cant pay the full amount and they hang up, call back and say that i was the one who hung up. they have harrassed me on many occasions. they love to put u down making u look like the bad person. they havnt done anything yet to me. so hang in there folks!


Submitted by on Mon, 03/31/2008 - 16:55

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Has anyone had problems once you have paid the amount agreed upon?
Thank you


Submitted by on Wed, 04/16/2008 - 17:47

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Has anyone had problems once they've paid what they own to NES?
Thank You


Submitted by on Wed, 04/16/2008 - 17:49

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They just called me today for the first time and left voicemails.

Call #1 "Please call Ed Weston, I have some very important business to discuss with you"

Call #2 "You need to call Larry Clemmons immediately. I have important information for you regarding your social security number."


Submitted by on Thu, 04/24/2008 - 11:51

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Like everyone else here I'm dealing with this company myself. So far I have filed a complaint with the FTC and the Attnorey Genereals Office In Ohio about the way they treated me and how they would not accept my $50 a month payment. They kept saying to me so you are refusing to pay I keep saying no I can only afford $50. They went as far as telling me that my grandfather had a credit card with enough money on it to pay the debt. Big violation... he wasn't even the cosigner on the loan. He had nothing to do with the loan. They should have never looked up his credit report. And he told my manager that I was being sued. Another Violation. They violate the laws daily. So far on the Ohio Attnorey Generals Website they have 303 complaints against them. And those are only the ones who actually came fowarded. They are doing things the wrong way. I contacted a lawyer about this because I really can't afford to have my wages garnished cause well thats all they can take since I have nothing else. And he said they only make $2.16 an hour plus a percent of what they get out of you. So they will do and say anything to get you to pay. And if they want to garanish your wages they have to take you to court twice.
Anyway I'm actually going to file a chapter 13 just to get it all off my back anyway.
And even if they do garanish your wages you can appeal it saying you can't live (paying bills (heat,gas, ect) and food if they take the money from you.

Hope that helped guys. But if they did violate any laws make sure to file a complaint against them.


Submitted by on Thu, 04/24/2008 - 17:50

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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 scumbags 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.


Submitted by on Tue, 05/13/2008 - 10:16

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Thanks for the information. I am going to mail them a Cease and Desist letter tomorrow and let them know that I will make payments to the original creditor.


Submitted by on Tue, 05/20/2008 - 12:16

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I found three weblinks for NES. They are for Cleveland Ohio BBB. They list all the details about NES and their contact information. They also have details on their collection practices and complaints. I hope this helps everyone who needs help dealing with this company. Do a web search for Cleveland BBB where there is a link for NES. Do a web search for NES1 and you will find their webpage.


Submitted by on Wed, 05/21/2008 - 08:54

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I have also had dealings with NES. At the beginning of this year "Tony Fox" contacted me and began belittling me about $600 I owed to a credit card company. I told this goof that I was willing to make payments...even though the original debt was less than $200. He began calling me white trash and told me that if I didn't pay I was going to be sued. He even went as far as to say that my court date was Feb. 15th. I again told him that I couldn't pay the entire amount that day. He told me to borrow it from friends or family. When I told him that I would not due that because everyone is in the same situation financially now (prices of gas and home heating oil) he proceeded to tell me that I just confirmed that I come from a long line of disgusting white trash. He started demanding my checking account number and yelling obsceities at me. I was so upset and began to cry. I asked to speak to a manager and he refused. He then said "I'm giving you 10 minutes to make a decision!" and then hung up on me. I quickly did some research on the internet. When he called back he asked if I had my account ready. I told him that I refused to give him any money. I told him I wanted everything in writing sent to my address. He said that letters were sent three times (I NEVER received anything from them). He proceded to call my house and cell phone (don't know how he got that number) CONSTANTLY. So, I played his game. I gave his extention # to my brother and his friends. We all called him several times and left messages on HIS voice mail 24/7. The calls from him and NES shortly stopped and I haven't heard anything from them since Feb. and it is now June!!! I also just had my credit report checked and this debt did not show up on the report at all. Don't take any of their crap!! These people and the company they work for are frauds!!! Do not get upset like I did. If anything give them a taste of their own medicine. This is the only thing that seemed to stop the calls.


Submitted by on Fri, 06/13/2008 - 13:07

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Like others, I have been receiving calls from these guys. They have started calling me at work and threatened to call HR to get verification that I work here. Well, duhhhh, if I answer the phone here why would I not work here? I spoke with my payroll and HR dept and told them that this is a scam and not to give out any information. I told them several times not to call me at work and their response was "Like that is going to happen".

My next step is to send them the cease communication. How much more do I need to do to make these guys stop?


Submitted by on Wed, 06/25/2008 - 10:37

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Like others, I have been receiving calls from these guys. They have started calling me at work and threatened to call HR to get verification that I work here. Well, duhhhh, if I answer the phone here why would I not work here? I spoke with my payroll and HR dept and told them that this is a scam and not to give out any information. I told them several times not to call me at work and their response was "Like that is going to happen".

My next step is to send them the cease communication. How much more do I need to do to make these guys stop?


Submitted by on Wed, 06/25/2008 - 10:37

( Posts: 202330 | Credits: )


It's such a relief hearing this comments. They called me yesterday with all there scams and freaked me out big time. They made me feel like a thief (in fact I was told I committed fraud and was going to be arrested). When I told the rep ("Susan Orchowski) that she was mean, she said she was going to sue me for defamation of character. After reading all the comments and suggestions, I feel better that what they are doing is illegal and what they are doing is not legal. I hope someone starts up a class action lawsuit against them. They would loose big time. I am going to file a complaint with the Ohio and Michigan Attorney Generals. No one deserves the treatment they are dishing out. Good luck to all the others out there that are dealing with them.


Submitted by on Thu, 07/10/2008 - 12:41

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THANK YOU SO MUCH FOR THIS SITE YOU ALL HAVE LIFTED A HUGE BURDEN OFF OF MY SHOULDERS. I WAS SO AFRAID WHEN I GOT MY CALL YESTERDAY THAT I APPLIED FOR A LOAN THIS MORNING. THEN I WENT ON THE INTERNET AND FOUND YOU. NOW I AM MORE KNOWLEDGEABLE AND GREATFUL TO THE PERSON WHO STARTED THIS SITE. AGAIN THANK YOU AND I'LL BE IN TOUCH.


Submitted by on Tue, 07/15/2008 - 18:02

( Posts: 202330 | Credits: )


I just got a call today about a 4,000 debt for student loans. They said that they would settle for alittle over 3,000 but I had to do it by phone. There is no way I could get that kind of money. I am raising two kids by myself and can't work. They asked if anyone could help me and then they called my mom and told her to give her account information or put it on a credit card and then make payments every month. They tell other people that they can't do payments. They threated to sue me, but thats not going to do any good if I still don't have the money. lol. If they want payments then they should set up payments. The economy is bad right now and people are already struggling we really don't need this kind of harrasment.


Submitted by on Wed, 07/16/2008 - 09:49

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Has anyone ever gone to court with these people. (National Enterprise Systems) . I have had trouble with them too. I have tried to make payment agreement. they told me that I could settled by paying $500.00 on a $1,000.00. I asked them to put it in writing about the $500.00 and then I would send them a cashier check....The Guy went off tell me that I was going to court. He also call me a few chose words...I told him to do what he needed to do that I would be more than happy to go to court. SO has anyone ever went to court????


Submitted by on Fri, 07/25/2008 - 10:47

( Posts: 202330 | Credits: )


Has anyone ever gone to court with these people. (National Enterprise Systems) . I have had trouble with them too. I have tried to make payment agreement. they told me that I could settled by paying $500.00 on a $1,000.00. I asked them to put it in writing about the $500.00 and then I would send them a cashier check....The Guy went off tell me that I was going to court. He also call me a few chose words...I told him to do what he needed to do that I would be more than happy to go to court. SO has anyone ever went to court????


Submitted by on Fri, 07/25/2008 - 10:47

( Posts: 202330 | Credits: )


hi, i just looked up my credit report and under inquiry analysis
i found national enterprise syst. requesting info. can someone help,tell me what you think this is.


Submitted by on Tue, 08/05/2008 - 09:10

( Posts: 202330 | Credits: )


I've read people's posts (thanks to the former employees for your perspectives), and I have a bit over $2,000 I legitimately owe Citi that these creeps are collecting on.

I am not averse to paying the amount owed...after all, I DO owe this money, and realize it is my debt to pay. I have worked as a paralegal and have a good understanding of the legalities surrounding consumer debt, and what avenues are open to those wishing to pay off said debt. I am willing and able to pay the amount owed in a series of payments that works with my household budget and other financial obligations. I cannot, and will not, pay the $2K in a lump sum, regardless of who threatens me or how. I know for a fact that I CANNOT be forced, under any circumstances, to make a single payment of $2,000. Even if I am served process and a judgment is obtained against me, I STILL don't have to make a lump sum payment, they can garnish my wages to get it, and only to a specified percentage of my pay. So scare tactics are wasted on me, I know the ins and outs.

I have worked with a collection agency once in the past for a charged off card of about a thousand dollars. They were very nice about letting me handle it in three payments and I had no problems with them attempting to cash postdated checks early or anything. I did not realize that that experience was not the norm. I knew I was dealing shady collectors when they obtained my boyfriend's cell number from my former employer, who they obviously threatened, or she would not have given it out. This means they have discussed my personal information and debt with two parties who are not myself (or even a spouse), which isn't even legal. They have threatened my boyfriend, telling him that they will implicate HIM in MY debt (which was accrued years before I ever even met him) if he does not pay up. Ridiculous.

After reading this, I am SO NOT going to send these people ANYthing. I am categorically unwilling to give them ANYTHING resembling electronic access to any of my finances. The only thing I will concede to is paying off the debt in installments, and ONLY by money order. NO WAY are these crooks getting anything with a routing or account number on it from me.

It appears that neither of these things (the installment payments nor the money orders) will be accepted, if the above posts are accurate. I do know that that their collector "Ms. Levinson" (hey, at least these losers watch "The Office") has noted quite shrilly that no payment plans will be accepted.

My question is, is it even POSSIBLE to settle this with Citi? I know I should have done it about two months ago, before they sold it to these freaks. But I didn't. Now that it's sold off, do you suppose there is any way I can negotiate through them? I am incredibly uncomfortable doing anything resembling financial business with these crooks, who surely have more shadiness under their belts than my $2,000 worth of finance charges on a card with a $600 limit, eh?


Submitted by on Wed, 08/06/2008 - 18:09

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I wrote a cease and desist all communications letter and it seems to have worked. I highly recommend that. They are evil and underhanded though!


Submitted by on Fri, 08/15/2008 - 16:44

( Posts: 202330 | Credits: )


Hi Corpolonia,
My brother recently got a somewhat threating callfrom NES wanting a large amount of money. They threatened him with court costs and lawsuit if he did not pay the amount they wanted to pay. It is going to put a big pinch somewhat unreasonable amount on our fiances. We offered to pay in payments but they wanted more. I was wondering who you talked to that was the nice cop at the corporation so we could speak to them instead. my email address if XXXXXXXX@XXXXX.XXX Thanks again.


Email address removed, for your protection. - Uncle Wulf


Submitted by on Tue, 08/19/2008 - 12:22

( Posts: 202330 | Credits: )


If in fact you have told these people to stop calling and they still do so, you have the right to call your phone service provider and report the calls as harrassment.

I have done this myself.


Submitted by on Thu, 08/21/2008 - 12:43

( Posts: 202330 | Credits: )


Oh woow! I called Chase Bank to ask for my credit card statements. I explained to them that I understand that I have been turned over to a collection agency (NES) but was wondering if they (Chase) can provide me my statements because I needed this information to file along with my complaint I filed earlier today with FTC. The guy was so wonderful (don't know if these are the offshored guys from India....). I told him how these guys NES have been so terrible that I have filed this complaint against with FTC. So he tells me that the reason they turned me over is that my account had charged out.... He asked me to fax them a copy of the letter I told him I had sent to NES to cease from communication with me except via mail. He said that once they receive this letter, it will take about 7-10 days and I will have my account restored with them so no more NES/debt collectors. Then they can set up new payment arrangements. So I will be back with Chase bank and continue to pay my credit card debt with them. I really wanted to share this information with anyoone that may reading this site. I hve been very well educated since I involved myself with these debt collectors. Well they found their match and left them no room to intimidate me, didn't care it was male or female. I screamed back as well. You have to fight with them. ...


Submitted by on Wed, 08/27/2008 - 14:04

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