National Enterprise Systems: Who They Are and Your Rights

Type

Collection agency

Also known as

National Enterprise Systems, Inc.; NES

Headquarters

Solon, OH

Collects

financial services accounts, retail accounts, automotive accounts, higher education balances, government receivables

Phone numbers it lists

(800) 973-0600

Website

nes1.com

233 debt collection complaints were sent to the Consumer Financial Protection Bureau about National Enterprise Systems, Inc. from November 13, 2023 to November 12, 2026. A complaint is a consumer's account, not a finding that the company broke the law. Read the complaints in the CFPB database.

Who Is National Enterprise Systems?

National Enterprise Systems, Inc. (NES) says it was founded in 1987 by Ernest R. Pollak and is headquartered at 29125 Solon Road in Solon, Ohio, a suburb of Cleveland. It describes itself as a full-service debt collection agency working in all fifty states. Its disclosures page lists a California debt collector license (10013-99) and state-specific notices for Colorado, Maine, Massachusetts and other states. We did not find a CFPB enforcement action against National Enterprise Systems.

Why National Enterprise Systems May Be Contacting You

NES says its clients come from financial services, retail, automotive, higher education and government. Depending on the client, an NES letter might be about a charged-off credit card or store account, a balance left after a vehicle was repossessed and sold, unpaid tuition or fees, or a debt owed to a public agency. The client's name on your notice tells you which.

NES lists (800) 973-0600 as its main number, with hours Monday through Saturday, and offers an online payment portal, payment plans and automated payment reminders.

How to Check a Debt National Enterprise Systems Says You Owe

Because NES works for such different creditors, the documents worth requesting depend on the type of account.

• Start with the validation notice. It must name the creditor and show the amount owed on an itemization date, with interest, fees, payments and credits since then (15 U.S.C. § 1692g; 12 C.F.R. § 1006.34).
• Send a written dispute within the validation period. For a card or retail account, ask for the charge-off statement; for a car loan deficiency, ask for the repossession and sale notices and the sale price; for a school balance, ask for the student account ledger. NES must stop collecting until it verifies.
• Ask who owns the debt now. NES collects for others, but some accounts are sold; you can ask whether the original creditor still owns yours.
• Check your own records for payments, refunds, insurance credits or financial-aid adjustments that should reduce the balance.
• Mind the clock. Texas generally gives a creditor four years to sue on a debt (Tex. Civ. Prac. & Rem. Code § 16.004), and a debt buyer may not sue on time-barred consumer debt in Texas (Tex. Fin. Code § 392.307). Limits in other states vary.

What National Enterprise Systems Can and Can't Do

NES collects debts owed to its clients, which makes it a "debt collector" under 15 U.S.C. § 1692a(6) for consumer accounts.

• It may not threaten a lawsuit, repossession or wage garnishment it cannot or will not pursue (15 U.S.C. § 1692e(4)–(5)). In Texas, wages cannot be garnished for an ordinary consumer debt.
• It may not call you at work once it knows your employer does not allow it (15 U.S.C. § 1692c(a)(3)), or call more than seven times in seven days about one debt (12 C.F.R. § 1006.14(b)(2)).
• Its texts must include an opt-out; NES says you can reply STOP to end text messages (12 C.F.R. § 1006.6(e)).
• If you send a written request to stop contact, it must stop except to tell you about specific actions it or the creditor will take (15 U.S.C. § 1692c(c)).

If NES's collection seemed improper, see our Texas FDCPA attorneys page.

We Sue Debt Collectors That Break the FDCPA

Texas Debt Law files Fair Debt Collection Practices Act lawsuits against debt collectors in federal court for consumers in Texas, California, Illinois, Georgia and Colorado. If National Enterprise Systems or anyone collecting for it harassed you, misstated what you owe, threatened action it could not take, or told others about your debt, you may have a claim. A court can order a collector that violated the FDCPA to pay your actual damages, up to $1,000 in additional statutory damages, and your attorney's fees and costs (15 U.S.C. § 1692k(a)). An FDCPA claim generally must be filed within one year of the violation (§ 1692k(d)), so keep your letters, call logs, voicemails and screenshots, and talk to us early. Texas residents may also have claims under the Texas Debt Collection Act. Learn more from our FDCPA attorneys.

Free FDCPA Case Review(214) 851-2250

Or start your free case evaluation online. No lawyer can promise a result; every claim depends on its facts and proof.

Sources

• National Enterprise Systems: home page
• National Enterprise Systems: About Us
• National Enterprise Systems: Services
• National Enterprise Systems: Contact
• National Enterprise Systems: Disclosures
• CFPB enforcement actions search: National Enterprise
• CFPB Consumer Complaint Database: National Enterprise Systems, Inc., debt collection

This profile is general information compiled from public sources, not legal advice, and it does not state or imply that National Enterprise Systems has violated any law. Company details change; tell us if something here is out of date.