National Bond & Collection Agency , Inc. (NBCA) is a third-party collection agency based in Pennsylvania. NBCA has received consumer complaints alleging violations of the Fair Debt Collections Practices Act (FDCPA), such as using abusive language in an effort to collect a debt and threatening to take actions that cannot legally be taken. If NBCA has contacted you about past due financial obligations, make sure you understand rights before taking action.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), National Bond & Collection Associates, Inc. is a legitimate collection agency incorporated in 1981, then started locally in 1998. The BBB established a profile page for NBCA in 2001. The BBB lists NBCA as a collection agency that uses the alternate business name, National Bond Collection (NBC). Buzzfile estimates NBCA’s annual revenue at $2.2 million and the size of its headquarters staff at 25 employees.
According to its website, NBCA helps “businesses and professionals maximize their profitability with fast recovery of past due accounts.” NBCA utilizes a “state-of-the-art computerized facility located in northeast Pennsylvania” and has additional locations “near major economic centers in Pennsylvania, …New York, … and New Jersey.” NBCA is “near 80% of the population of the United States, but they work with clients from coast to coast.”
NBCA collects delinquent debts for a variety of businesses and industries, including consumer retail lenders; banks, finance companies, and credit unions; credit card companies; mail order companies; medical, dental, and healthcare providers; utility companies; and many others.
As a full-service collection agency, NBCA offers a wide range of services, including traditional third-party collections; first-party client billing; in-house recovery programs; bankruptcy loss control; federal and state consumer debt collection negotiations; specialized custom collection programs; client personnel training, recruitment, and selection; motivational collection programs; credit card fraud control; audio-visual training; inventory and commodity inspections; audio-video collection training seminars; equipment purchase or lease negotiations; skip tracing and asset location; pre-collect custom collection services; computer collection program development; client surveys and marketing; inventory fraud control; and consumer fraud investigation.
NBCA’s collection process begins with account placement. Next, NBCA begins account processing with same-day consumer notification. Finally, professional staff conduct collection activity by telephone “until payment is effected, or the status of the item is brought to a conclusion.”
The NBCA website is client-facing. The online payment portal link leads to a PayPal payment portal; there is no mini-Miranda identifying NBCA as a bill collector. In addition, there is no information about NBCA’s regulatory compliance policies, and there are no links or references to consumer protection resources, laws, or enforcement agencies.
Who are we? We are Lemberg Law, a Consumer Law Firm
Lemberg Law is a consumer law firm helping victims of collection harassment and abuse. We are ranked A+ by the BBB. We’ve helped more than 15,000 consumers stop harassment and recover money from debt collectors. Harassed? Abused? Misled by a collector? Call our Helpline today! There is no charge unless we win.
As of March 2018, the BBB has closed 1 complaint against National Bond & Collection Associates in the past 3 years, in February 2018. The complaint alleged problems with billing and collections. As of March 2017, the Consumer Financial Protection Bureau (CFPB) has closed 7 complaints against NBCA. Justia lists at least 1 case of civil litigation involving NBCA.
National Bond & Collection Associates, Inc.
210 Division St.
Kingston, PA 18704
Telephone: (570) 287-6023
Website: http://nbccollect.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NBCA 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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Unlawful Debt Harassment? Learn the Law & Sue the Collector.
Absolutely. Here are some Sample Cases
Complaints against National Bond Collection cite problems resulting from disputes about the accuracy of accounting practices and allegations of harassment. In February 2018, a complainant stated that he had been contacted by NBCA regarding a past due medical bill. According to the complainant, he “was hit with excessive medical bills from the” emergency room the previous year “after being sent there by his family doctor.” He said that the emergency room staff told him his insurance would be accepted, but he “found out after the fact that it was not.” Subsequently, the hospital “sent the bill to NBCA after he had made some monthly payments.” The complainant encountered a payment and billing error with NBCA and was “unable to process a double payment from his account,” so he contacted them to resolve the dispute. Allegedly, NBCA was “unwilling or unable to return or verify that the erroneous check was destroyed before demanding additional payment.” The complainant stated that NBCA representatives had “repeatedly called, been excessively rude, and transferred him around their office before hanging up on him with parting threats, and then called him back to repeat” the pattern.
In May 2017, a complainant stated that she had “received several calls from” an National Bond Collection representative “looking for her husband.” Allegedly, the NBCA representative “refused to provide any… details other than his name and… number, saying it was a personal matter.” Because of the representative’s rudeness and failure to provide information, the complainant “asked him to correspond via mail, and to stop calling. The calls stopped, but the complainant never received anything in the mail. Several weeks passed, and” the NBCA representative called again. The complainant explained that her “husband was unavailable,” so the representative asked the complainant to have her husband contact NBCA. When she “asked what company he was with, he refused to tell” her. She told him he was required to identify the company name and the NBCA representative allegedly told her, “‘Real immature. How about you grow up?’” The complainant expressed her shock, and the representative allegedly said, “‘You heard me! Grow up!’” The complainant located the representative’s phone number, then contacted NBCA at the number on its website. She asked the receptionist to speak to a supervisor and whether the representative that had called her was an employee. The receptionist said that he was the supervisor, so the complainant asked to speak with his boss “because she was upset at the insulting bullying tactics NBCA was utilizing.” The receptionist “chided her while saying, ‘Look at how you ‘re talking! You are immature and need to grow up!’” The complainant called NBCA’s local police department, who referred her back to her own local police department, who referred her to the Federal Trade Commission (FTC), who directed her to the CFPB. The complainant stated that she is “familiar with collecting procedures and what companies can and cannot do and stated that NBCA “resorts to illegal bullying tactics, …evasive answering, and intimidating actions that might scare people into paying a debt they might not even have.” She also stated that NBCA’s “refusal to provide supporting documents and unwillingness to provide company identification makes her think they’re skirting the line of fraud, and at the very least, they’re bullies that need to be stopped.”
Federal laws protect you. The Fair Debt Collections Practices Act (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).
But here’s the rub: If you want to enforce your rights, or recover money for violations — you need to sue. These laws provide individuals like you 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.
You may have a case, if…
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Sergei Lemberg is an attorney focusing on consumer law, class actions related to automotive issues, and personal injury litigation. With nearly two decades of experience, his areas of practice include Lemon Law (vehicle defects), Debt Collection Harassment, TCPA (illegal robocalls and texts), Fair Credit Reporting Act, Overtime claims, Personal Injury cases, and Class Actions. He has consistently been recognized as the nation's "most active consumer attorney." In 2020, Mr. Lemberg represented Noah Duguid before the United States Supreme Court in the landmark case Duguid v. Facebook. He is also the author of "Defanging Debt Collectors," a guide that empowers consumers to fight back against debt collectors and prevail, as well as "Lemon Law 101: The Laws That Lemon Dealers Don't Want You to Know."
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I contacted National Bond Collection to advise them of situation with a creditor that hired them to collect a debt. In June 2019 I used Arrow Auto Repairs to replace a windshield. In October 2019 I received a letter from this collection firm stating I had a past due amount. Upon opening the letter I realized my address was correct however the customer name was incorrect. I called Arrow Auto Glass and informed them of the mix up and they assured me this would be taken care of. They were extremely helpful and apologetic. However when I contacted the collection agency to advise them of the situation I had the pleasure of dealing with Laura Davis who was extremely unprofessional. She snickered as I told her the situation as if to imply she’s heard it all before. She then proceeded to inform me I had broken the law by opening Mail that has my address and came to my home. Rather then apologizing and reaching out to the company that hired this agency Laura Davis begin to advise me of steps I would have to take to stop the calls and mail along with what was needed by me to change the information on their records. This was extremely unprofessional and this company should not be allowed to verbally harras clients on any level.