National Commercial Services Inc or NCS is a third-party collection agency based in Southern California that specializes in commercial debt collection. NCS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including threatening to take actions that cannot legally be taken and attempting to collect debts not owed. If you have been contacted by NCS, make sure you understand your rights before responding.
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According to the BBB, National Commercial Services, Inc. is a legitimate collection agency founded and incorporated in 1996. The BBB lists NCS as a collection agency and insurance service. Buzzfile estimates NCS’s annual revenue at $1.2 million and the size of its headquarters staff at 52 employees.
According to its website, National Commercial Services “is an experienced and specialized subrogation and commercial collection agency” and represents “top-tier insurance companies and business enterprises throughout the nation with…knowledgeable expertise in all aspects of subrogation and commercial matters.” NCS is nationally licensed and bonded and a member of both the National List of Attorneys and Gold Sponsors of the National Association of Subrogation Professionals.
National Commercial Services mission is to ensure “productive dialogue commences” with “the tortfeasor or debtor” as soon as possible to ensure as high a rate of return as possible. NCS’s philosophy is that “every payment received is the result of successful communication,” so their “recovery professionals are assertive, fair, consistent, tenacious, and resourceful.”
National Commercial Services provides full-service subrogation and commercial collection services. They utilize state-of-the-art technology, a multi-lingual staff, an excellent research and skip trace department, and exceptional mediation and arbitration services. NCS’s tort and subrogation recovery division specializes in automotive, including commercial trucking and private passenger; uninsured motorist claims; property, including inland marine/cargo; closed file reviews; workers’ compensation; and construction defect. NCS’s commercial collections division specializes in fidelity and surety bonds; construction lien collections; pharmaceutical billings; liability deductibles; and unpaid premium loss. NCS also employs an in-house legal team for cases in which “litigation is necessary and beneficial.”
The FDCPA only regulates the collection of consumer debt. National Commercial Services is primarily a commercial debt collector. However, NCS collectors “are thoroughly tested and must sign a statement of compliance with FDCPA on their first day on the job.” In addition, “each manager acts as a compliance supervisor while monitoring collectors, in addition to keeping current with any changes and updates to FDCPA guidelines.”
The BBB has closed 43 complaints against National Commercial Services in the past three years, with 19 complaints closed in the past 12 months. All of those complaints alleged problems with billing and collections. Since March 2015, the Consumer Financial Protection Bureau (CFPB) has closed 25 complaints against NCS. Justia lists at least 3 cases of civil litigation involving National Commercial Services.
National Commercial Services, Inc. Contact Information
National Commercial Services, Inc.
6644 Valjean Ave., Suite 100
Van Nuys, Ca 91406
Telephone: (888) 355-4400
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely National Commercial Services would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases against National Commercial Services Inc
Complaints about National Commercial Services frequently cite problems resulting from extremely aggressive, rude, and hostile collection representatives, often making contact about debts that have been legally disputed. In November 2016, a complainant indicated she had received phone message from an NCS representative who indicated he wanted to discuss an automobile accident that had occurred a year previously. The complainant called him back immediately, but the representative allegedly “proceeded to rudely tell…her that she had ignored his previous phone calls and letters and his client’s previous phone calls and letters.” The complainant explained to him that she had not received any prior contact, and that his phone call was the first time she had been contacted about the matter. After the phone call, the representative sent the complainant an email regarding the auto accident. The next week, she received a follow-up letter dated the day following the phone call, and the letter stated that the representative had not been able to contact her. The complainant indicated she “really did not appreciate his condescending attitude or his rudeness.”
In response, National Commercial Services denied the complainant’s allegations. They posted a call log as documented evidence that the representative had called her number three times, including two times prior to the day of the call in the complaint. The representative also posted a letter that was allegedly sent out several days prior to the phone call in question, and again on the day of the phone call. The representative blamed the U.S. Postal Service because it takes them 2 to 5 days to deliver mail. NCS concluded by thanking the complainant for her “willingness to take responsibility for the incident and make payments.”
The complainant rejected NCS’s attempt at resolution, indicating that although National Commercial Services may have made phone calls, they did not leave any messages. In addition, she had not received any letters prior to the call cited in the complaint. She did indicate she had received a “nasty” letter the day after she spoke with the NCS representative on the phone. She also indicated that if NCS had left voice mail messages during their initial contact attempts, she would have called back sooner, and that this held true with the letters that had allegedly been sent. She expressed her concern that NCS had “dropped the ball… and… taken it upon themselves to blame” her. She complained that the entire mistake will have a negative effect on her credit and that she should not be penalized for their mistakes.
National Commercial Services replied to her rebuttal by stating that their representatives are not required to leave voice mail messages “when calling a claimant about an account” and because “many people, upon receiving a voicemail from a number that they do not want to hear from again… will block the number…NCS hopes that it makes sense to the complainant that voicemails are not always the best business decision.” He also defended the letters, indicating “all letters are form letters and are not nasty or specific to the NCS representative nor the complainant.” After dismissing the complainant’s concerns, NCS assured her the item would not appear on her credit report “unless she defaults on her promissory note to repay the amount due.”
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
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 receiving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, 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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