Nelson & Kennard

Yeah they are rude over the phone wont work with you

Maybe they have scammed using their name, but they called and asked for ss# and other personal information but would not verify a debt and nothing shows on my credit report.

Due to the nature of the correspondence, I was very nervous to call. I've been putting off a bank of America credit card debt since 2014 but I'm trying to rent a place and need this taken care of. I called today (2/6/19) and talked to Alexa. She was able to accept a settlement of about 70% of my original debt that was owed. I have until 2/25 (nineteen days) to pay. I asked what the process would be. She said they can take payment of check by mail, check by phone, or input my bank account info on their website. After the payment is made, they'll send notice to the courts and to BofA that the debt has been settled. BofA will send notice to me and to credit bureaus that the debt is settled. (When I called BofA to confirm, they said the opposite: that Nelson & Kennard would be the ones to report and that BofA would only receive the info. I told him N&K said it was the other was around. He shuffled some papers, stuttered a bit, and then said I was right. So, to everyone reading this, I think the best idea would be to keep calling N&K, and the credit card company until you receive notice in the mail that it's settled, and you check your credit report to make sure it's shown as settled.) We all agree that debt collectors are scumbags and should be ashamed of themselves for how they make their money. But it was my responsibility in the first place to pay the money I owe. The phone call with Alexa was much less painful than I thought it would be.

I didn’t know I owed money since it didn’t show on my credit. I got hit with a lawsuit, called to settle, and they took my bank info and payment but then sent it back the next day(my bank was confused they didn’t know how the money bounced back because it was taken and then it was returned ). I had to rush to the post office because they said the agreement would be canceled if I didn’t give proof of payment by mail. I sent a certified money order the same day, and about nine days later it was finally cashed. It was a lot of running around. I’m here doing my part you say I owe you, fine, I’ll pay what’s right but don’t make it so hard for me to pay you. The lady I spoke with on the phone was really helpful and tried her best to assist me, and I appreciate that. I’ll give 2 stars because, even though it was a hassle, they still worked with me and gave me a discount, that was nice of them, just be ready to keep calling every day until you get things resolved.

How can I look at my accounts to see my Payment History

Worse company to deal with. I paid them the full settled amount. The mishandled the money, only paid portion the amount owed, lying saying I had insufficient funds, but refunded me the remaining money under false understanding. Now they refuse to accept accountability and want me to pay for their mistake. They will intentionally avoid contact and will do anything in their power to keep you in debt and not resolve anything

Set up a payment plan, gave all the payment info and date on when the money was to he withdrawn... waited, waited, waited and it was never withdrawn. Call this wonderful firm only to be told they "never got the payment info" you've got to be joking!!! I spend my entire break trying to contact them, usually on hold the entire time when after several days and calls, finally, FINALLY someone answers and I set up the plan and payments with all the routing and acct numbers, only to be told NOW they dont have it????? Are you joking me?????? For someone who wants my money so bad they sure want to make it hard for me to pay!

After many phone calls they finally answer the phone although the phone call kept disconnecting.

I call them and the lady who answers the phone refuses to give you any information LVN sued me so I had Beyond debt consolidation negotiated but they kept wanting more money so I cancelled .She said they couldn’t talked to me without a cancellation letter so I sent it. In email ask for original debtor n chain of process which they sent me this week . They don’t respond to their email . I have ask for a reduction n payment plan no response. Now they sent me a court notice to vacate for August . Called and ask n won’t give me no info. I am just going to go to court and plead my case . I just don’t want my SS garnished ugh . I don’t even know if this group is a legit lawyers office

Worst ever. I’ve been calling day after day to try and resolve matter and no one will help me or call me back. I’ve left messages at x 129 and won’t return my calls.

They want to try and sue my spouse for debt, then dismiss the case - and then don’t want to answer their phones at all. Crappy company. Guess I’ll keep my phone records.

Hannah Williams called and as unprofessional as they come. Said I qualified for $200 off the account, yet the number she gave me was not $200 less. Apparently this place hires people who can’t do math but work with numbers all day.

It's impossible to talk to them

I had an extremely frustrating and misleading experience with Nelson & Kennard. They failed to provide proper debt validation despite multiple requests, which is a clear violation of the Fair Debt Collection Practices Act (FDCPA). They also incorrectly added fees to my account, misrepresented legal proceedings, and contributed to inaccurate reporting on my credit file. Despite claiming they don’t handle credit reporting, my credit report initially included an incorrect balance that matched their improper charges—meaning they either reported the debt themselves or provided the wrong information to the creditor. Even after disputing the issue, my credit report still does not reflect the debt as disputed, violating Fair Credit Reporting Act (FCRA) regulations. They also attempted aggressive and excessive process serving at a secured apartment complex, even after they had my correct address on file. Their communication has been evasive, and they still have not addressed my concerns after I escalated complaints to the Better Business Bureau (BBB), Consumer Financial Protection Bureau (CFPB), and the Attorney General. I am now having to escalate the matter through private legal channels. If you're dealing with them, know your rights under FDCPA and FCRA, demand written validation of the debt, and document everything. I would strongly recommend seeking legal representation if they attempt to collect from you. They are acting in willful disregard for the law and their conduct is nothing short of criminal.

Horrible people to work with. The rep i spoke to was rude.

Worst debt collection company ever! The customer service in english and spanish were absolutely terrible. So before you settle with this firm please look deep into your legal options and your rights. We are stuck with them for 2 years because we didn't know this: this law firm does not allow early payoffs on a payment arrangement because according to the customer service rep, this firm depends on that income from our payments. Since the customer service rep was very unprofessional and uneducated in her field of work, she couldn't properly and in depth answer my questions as to "Why?" So I had to look it up myself. According to this company paying them off early will disrupt their business model, potentially impacting their profit margins by reducing the amount of time they collect interest on the debt we are paying them, and sometimes because they have already factored in the expected income from a drawn-out payment plan when negotiating with the debtor. This is why we are doing the Dave Ramsey method and never have to deal with companies like these. To this Firm: I hope you better your service at least on your customer service and accurate message and information delivery. God be with you.

I dealt with this firm and I am so happy to be done with them. After making a settlement agreement with me and telling me they would stop all collection attempts due to our agreement, they resumed all collection efforts once they got my first payment and banking information. They used the information from my first payment to levy my bank account. At first I thought it was a mistake but not a single call or email was returned when I called to find out why they were pursuing a bank levy AFTER I paid what we agreed to. I realized they simply wanted my banking info for exactly that purpose and they didn't care that I was making payments on time for the agreed upon amount. I continued paying them (even more than our agreed upon amount) because I knew if I missed even one payment our settled amount would be breached by me and I would be back on the hook for the full amount. I borrowed from family just to be done with them. Beware!