Systematic National Collections or SNC is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might be calling, and how you can stop them.
What is Systematic National Collections?
Systematic National Collections , Inc. (SNC) is a third-party collection agency based in California. SNC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), such as using false or misleading information in an effort to collect a debt and attempting to collect debts not owed. If SNC has contacted you about past due financial obligations,make sure you understand your rights before taking action.
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Is Systematic National Collections a scam?
They’re legit. According to the Better Business Bureau (BBB), Systematic National Collections, Inc. was founded and incorporated in 1989. The BBB established a profile page for SNC in 1994. The BBB lists SNC as a collection agency. Buzzfile estimates SNC’s annual revenue at $90,000and the size of its headquarters staff at15 employees.
According to its website, SNC is “family-owned and staffed by professionals with many years of experience in credit and collections.” SNC states that “service to… clients is the key to …success.” SNC promises “regular visits by… staff to help clients keep abreast of how their accounts are handled” to ensure “accountability for the business” SNC does.
Who does Systematic National Collections collect for?
The Systematic National Collections website does not provide any detailed information about the types of businesses or industries for whom they collect debts. SNC “pursues past due consumer and commercial accounts receivable through conventional collection efforts and through a network of local and national bonded collection law firms.” SNC’s “goal is to assist with solutions which maximize profits and increase the bottom line.”
SNC employs “in-house investigators with the latest state of the art computer systems to conduct “skip trace address locating”; “bank account locating” ; “asset locating”; U.C.C. records; Secretary of State records; and a credit database. SNC’s collections staff mails “a series of letters and contacts… debtors by telephone until they are able to effectuate a settlement in full, or arrange an amicable payment plan. All delinquent accounts are reported to the major bureaus on a monthly basis.” For cases in which SNC has “been successful in obtaining a valid address and …have determined that the debtor has assets, they will recommend forwarding the file to one of their attorneys…to pursue …collections through litigation.”
Systematic National Collections is a “licensed and bonded collection agency and an active member… of the American Collectors Association and the California Association of Collectors.” SNC also maintains“complete Errors and Omissions Coverage, Client Indemnity Bond, Personal Liability, and Employee Fidelity Coverage.” 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.
How many Complaints are there against Systematic National Collections?
As of October 2019, the BBB has closed 3 complaints against Systematic National Collections in the preceding three years, with 2 complaints closed in the previous 12 months. All of those complaints alleged problems with billing and collections. As of May 2014, the Consumer Financial Protection Bureau (CFPB)has closed 46 complaints involving SNC. Justia lists at least 4 cases of civil litigation involving SNC
Systematic National Collections, Inc. 1406 S. Santa Fe Ave., Ste. D Vista, CA 92084 Telephone:(760) 630-4639
Can Systematic National Collections Sue Me or Garnish My Wages?
It is illegal for a debt collector to make empty threats to sue you or garnish your wages. It is also unlikely SNC 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!
Complaints against Systematic National Collections cite problems resulting from disputes about the validity of debts, the accuracy of information reported to the credit reporting agencies, and allegations of harassment. In January 2019, a complainant stated that SNC had “referred the debt to another agency and closed the case,” resulting in an“increase of debt and worsening credit information on his credit report” regarding the “amount that was reporting as owed.” According to the complainant, the “original debt as reported had no interest,” so SNC “should report the correct and true debt owed, not a made-up number when the consumer debt is sold or referred to another creditor agency.” In addition, the complainant said he had sent a scanned copy of a cashier’s check with the name and initials of an alleged identity thief, along with a police report and a letter informing the original creditor “that the debt was not done by intention” and that the complainant was a victim of fraud. Allegedly, the perpetrator was “never prosecuted for the issuance of the cashier’s check.” Although the complainant had “attempted to seek restitution and tried to arrange a payment to the original creditor or collection agency,” the creditor “continued to harass him when he attempted to validate the accuracy of the amount… owed.” He said that the “agency retaliated…by increasing the amount of the original debt by adding over 120% interest to a no-interest account, deforming his good credit rating and continuing to report to multiple credit…agencies on his credit report two different amounts owed that” were both inaccurate.
In November 2018, a complainant stated that there was “a debt reported on his consumer credit file from Systematic National Collections.” According to the complainant, he had disputed the debt and asked SNC to verify or validate the debt, but SNC had refused. He said he had asked for “documentation, an affidavit, or an itemized list whereby he may draw some information,but…SNC refused all his attempts” to force them to comply. He filed a complaint with the CFPB “to intercede on his behalf and get the company to comply with his request and provide documentation under the FCRA and FDCPA laws.” He said SNC was “very good about stating that they are FCRA compliant but have yet to actually comply.”
In December 2018, a complainant stated that he had received a phone call from Systematic National Collections requesting payment for a balance of “$42 and some change.” The complainant “told the guy on the phone to please process his card for payment so that we can clear this out.” However, when the complainant “checked his bank statement, he had a charge for $113.” He called SNC “to see why he was told $42,” but SNC charged him $113. Allegedly, the SNC representative said, “Oops, that was a mistake on our part,” then laughed and said they had“read a different customer’s balance to him, and that it just is what it is.” The complainant stated that this kind of misconduct is a serious problem.
Systematic National Collections Calling You?
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).
Can I sue SNC for harassment?
Yes. If you want to enforce your rights, or recover money for violations — you need to sue. Federal 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.
“I used to get up to 15 calls a week from several collection agencies. It got so bad I felt like I should just get a new phone number to make it quit. Happily, I discovered Lemberg Law. They immediately put an end to the calls. Now, when my phone rings I do not dread it.”
“I would recommend your company to anyone. You have the debt collectors off my back, and I will finally see the light at the end of the tunnel. Throughout the entire procedure your employees were courteous and professional. I was blown away by their efficacy also.
“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!”
Can You Help Me Delete Systematic National Collections from My Credit Report?
We can absolutely help. Call us today.
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About the Author:
Sergei Lemberg is a lawyer whose practice focuses on consumer law, class actions and personal injury litigation. He has been repeatedly recognized as the “most active consumer attorney” in the country. In 2020, Mr. Lemberg represented Noah Duguid in the United States Supreme Court in the case entitled Duguid v. Facebook. He is the author of Defanging Debt Collectors, a book that teaches consumers how to battle debt collectors and win.