National Account Systems of Omaha , LLC (NAS) is a third-party collection agency based in Nebraska. NAS has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as failing to verify debts and threatening to take actions that cannot legally be taken.If NAS has contacted you about past due financial obligations,make sure you understand your rights before you respond.
The harassing company pays our fees.
They’re legit. According to the Better Business Bureau (BBB), National Account Systems of Omaha was founded in 1969 and incorporated in 2011. The BBB established a profile page for NAS in 1993, and NAS has been a BBB-accredited business since 1994.The BBB lists NAS as a collection agency and check recovery service.
According to its website, NAS is a licensed collection agency. NAS “understand[s] that in [the] business or professional office, time is a very valuable asset…and that when problems arise with accounts receivable…they take up a lot more time than necessary.” NAS offers its services to help companies solve these problems.
National Account Systems of Omaha offers collection services to financial services companies, including banks issuing loans and lines of credit; credit card lenders; education lenders; mortgage lenders; and automobile lenders. NAS also accepts delinquent bills from healthcare and medical service providers, including self-pay and co-pay balances; private medical practices; chiropractic offices; physical therapy offices; and pharmacies. NAS collects delinquent accounts for property management companies, including commercial properties; individual rental and lease agreements; co-signer defaults; apartment complexes; duplexes; and single-family home rentals. Finally, NAS collects commercial business-to-business loans for a variety of businesses, including advertising agencies; landscaping services; equipment rental services; law firms; and fee-for-service agreements.
The Consumers page of the NAS website includes options for online payments and for proposing settlements. The online payment link leads to an offsite payment portal. The settlement proposal link leads to a page with a web-based contact form. This page also includes a legal disclaimer that identifies NAS as a bill collector and contains some general terms and conditions for proposing settlements of debts. NAS states that its “certified licensed staff…always assures that their work effort is being done in compliance with all local, state, and federal law[s].” However, their website does not include any 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.
The BBB has closed 8 complaints against National Account Systems of Omaha in the past three years, with 2 complaints closed in the previous 12 months. All of those complaints alleged problems with billing and collections. As of September 2015, the Consumer Financial Protection Bureau (CFPB) has closed 6 complaints against NAS. Justia lists at least 5 cases of civil litigation involving NAS.
National Account Systems of Omaha, LLC
PO Box 45767
Omaha, NE 68145
Telephone:(402) 551-1955
Website: http://www.nasomaha.com/
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely NAS 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 Complaints
Complaints against National Account Systems of Omaha cite problems resulting from disputes about the validity of debts and the accuracy of information reported to the credit reporting agencies. In March 2018, a complainant stated that he had been a tenant of an apartment complex that he had later vacated with “no bills due, confirmed with the apartment manager.” Regardless, the complainant stated that NAS had reported delinquent items on his credit report as past due. The complainant confirmed that he had been a tenant at the property listed on his credit report, and that “there was a closing balance” due at the end of his lease, but that he had paid off the balance. He supplied NAS with a date and confirmation number. Unfortunately, the complainant had recently “applied for a loan for home refinancing,” and when the finance company “did his credit check, NAS Omaha…popped up saying there was a balance due.” The complainant “contacted the apartment complex over the phone, and they repeatedly said that the account ledger shows no pending bills.” The complainant requested that the apartment manager contact NAS, but “they said they already did and found no related account or person.” They also apologized but insisted that they could not call NAS again. According to the complainant, when he called NAS, the representative told him they could not remove the information unless the apartment manager called them. The complainant stated that the negative report “is severely affecting his credit score,” and that at his advanced age, he has been“put under a financial crisis.” He asked both the BBB and NAS to investigate “and release his case.” He also stated that “due to mortgage payments, he still continues to work far from his hometown…and is also getting serious health issues due to tension.” In addition, “the same issue hindered him from finding an apartment,” so now he is paying excess monthly rent“far off from his work place due to this rental history issue.” He feels there is “no justice in this country,” and that his “family is divided due to financial pressures.”
In response, National Account Systems stated that they had received the complaint “regarding the account placed for collection from” the apartment complex. According to NAS, their “office did reach out to” the property manager, “and they have advised NAS that the complainant had paid in full.” As a result, “due to this being paid in full,” NAS promised to “close the account and update all three major credit bureaus showing the debt has been paid off.” NAS asked the complainant to “allow 30-45 days for this update to reflect on his credit reports.”
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…
“I have to admit, I was not sure of y’all initially but you proved me wrong. You not only got the calls to stop but you have the company to dismiss the accounts once and for all! It had been more than I anticipated.”
“Prior to contacting you, we had tried repeatedly to handle this matter without threatening litigation. In the end, not only were they unapologetic, but they were dismissive – even of an attorney friend who called on our behalf. Sincerest thanks for resolving this matter for us!”
“Lemberg Law has saved me from the endless calls, and harassing voicemails. They really do go to bat for you. I didn’t know that debt collection agencies can end up paying your legal bill. What a surprise, to receive free legal help. I’m very grateful for all the hard work they did to finally give me my life back.”
“Thank you and your team at Lemberg Law for the exceptional work you did on my behalf. I have never experienced the level of care, professionalism, timeliness in follow-through, and monetary compensation obtained through your firm.”
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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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They sent me a notice over a year ago demanding a totally different amount and I called them one it.
They claim it was a error and they fixed it but once in awhile ill get a letter from them but I just throw them away.