National Auto Lenders or NAL is a third-party sub-prime auto loan company based in Florida. NAL has received consumer complaints alleging violations such as improper communication and collection tactics and sharing of information. If you have been contacted by National Auto Lenders, make sure you understand your rights before taking action.
According to the Better Business Bureau (BBB) and public information from the Florida Secretary of State website, National Auto Lenders was founded and incorporated in 1996 in Florida. The BBB established its profile page in 2005. It lists NAL as a consumer finance company.
According to its website, National Auto Lenders “is a respected and trusted non-prime auto finance company, offering more than 20 years of experience and loan servicing capabilities in multiple states.” The dealers that partner with NAL benefit from NAL’s “commitment to excellence” and its support, “extensive training” and the “strong relationships” NAL develops with its dealers. NAL dealers enjoy “personal attention”that allows for “to open dialogue on deals” and dealers “are not simply communicating with an automated scoring system that they can’t talk to.” NAL also treats car buyers with “the highest level of respect and recognition” and provides “quality service and support” and “consistent lending practices.”
NAL’s website provides information for car dealers and car buyers. Its dealer pages inform site visitors that NAL “services thousands of active accounts, managed by a caring professional team of over 100 employees” and has, since 1996, “established itself as one of the leaders of non-prime auto finance in the states it serves.” The dealer FAQs indicate that NAL partners with dealers with“financial stability and knowledge in the automotive industry” that have been “established for two years” or more. More information is available by contacting National Auto Lenders.
The car buyer pages inform site visitors about payment methods and provide customer service contact information. The customer FAQs answer questions about account access, payments, insurance, payoffs, fees, repossessions, communications, and credit reports.
The National Auto Lenders website does not provide a lot of detailed information about its business practices or compliance policies. It does include standard, legally mandated information about information privacy and security.
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The BBB has closed 18 complaints against National Auto Lenders in the past three years, with 5 closed in the past 12 months. Most of those complaints allege problems with billing, collections, customer service, and improper sales tactics. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has received 16 complaints about NAL. Those complaints raise issues with “harassing phone calls” and collection practices, poor customer service, and improper credit reporting.
Absolutely. Here are some Sample Cases against National Auto Lenders Inc.
According to public information available on the BBB profile page for National Auto Lenders and on the CFPB website, consumer complaints against NAL raise issues with harassing and improper communications and collection tactics, customer service, billing, repossessions and credit reporting.
In October 2017, a complainant indicated that National Auto Lenders violated the FDCPA and other laws in its dealings with him in connection with his car loan through NAL. The complainant alleged that he purchased a used car financed through NAL, but that the company “violated the FDCPA by contacting” his references and “threatening them and giving them personal information about his loan” and “illegally repossessed” his car. According to the complainant, he had to hire an attorney, and get the state “used car commission” and the county “auto theft department” to get the car back. He filed a civil lawsuit, but NAL again “illegally repossessed” the car and “quickly sold” it without providing the state-required “grace period” or “offer for redemption” while the civil court proceedings were pending. National Auto Lenders then sold the car for more than he owed, but it did not subtract the proceeds from the amount it claimed he owed.The complainant indicated that the company “is fraudulent.”
In May 2017, a complainant indicated that he continued to receive “an extraordinary amount of phone calls” from National Auto Lenders “trying to collect a debt” owed by someone else even after he notified NAL of this and requested that the calls stop. According to the complainant, he changed his cell phone number and apparently received an old number from someone who owes money to NAL because he then began receiving calls from National Auto Lenders from “several different numbers at least twice a day.” Each phone call begins “as a robocall” that asks the recipient to “press 1” if they are the named person or to “press 2” if they are not. Pressing 2 “causes a disconnect” but the calls continue to occur.The complainant alleged that he looked up NAL on the internet, got its phone number, called and explained that the person National Auto Lenders sought to reach was not at his number, and asked to be taken off NAL’s call list. NAL promised to remove his number from the call list but noted it could take “up to” ten business days. A month later, the complainant was still receiving calls. The complainant indicated that he does “not owe this debt”, does “not know the person who owes this debt” and that the person National Auto Lenders seeks to collect from is not “associated with” his number.
National Auto Lenders, Inc.
14645 N.W. 77th Avenue
Miami Lakes, FL 33014
Telephone: (305) 828-8810
Understanding Your Debt Collection Rights
Consumers are protected from abusive debt collectors from the Fair Debt Collection Practices Act (FDCPA). By way of instance, the debt collector must identify himself or herself, who they’re working for, and what debt they’re collecting. The FDCPA claims that debt collectors can’t use any deceptive or misleading representation, like implying the debt is secured by the USA or any particular state. Additionally, they can’t use a badge or uniform to pretend they’re a government employee collecting a debt. Misrepresentation is a violation of the FDCPA and could be reported as such.
In case you’ve been a victim of a debt collector’s wrongdoing, then you can search for justice under the FDCPA. You have the right to pursue a claim against the debt collector; if you prevail, you can collect up to $1,000, plus attorney fees and court costs.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, a lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
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