Date Received: 2022-08-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems claimed the following as a response to my previous complaint : " National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. These charges were not assessed by XXXX. XXXX XXXX has disputed her debt and XXXX has submitted her dispute to the CRAs as required by law. Additionally, we conducted an investigation of XXXX XXXXXXXX XXXX claim ( s ) by contacting the original creditor directly. They confirmed that the charges assessed were accurate and advised XXXX that XXXX XXXX never gave notice to move out. She came in and stated to the leasing office that she had given a 60-day notice to move out with previous management company. XXXX XXXX XXXX ( rep with XXXX XXXX ) stated she was employed with previous management and she never received any move out notice from her. When XXXX XXXX took over she came in the office on the XXXX of XXXX and said she was leaving on the XXXX of XXXX therefore we gave her the 30-day notice for her to sign she refused to sign and said she was not going to pay another month when she was not going to be here. They confirmed that she did turn in keys on XX/XX/XXXX If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. '' However, there are fabrications in this message. I, XXXX XXXX, DID provide my 60-day notice ( see all previously provided proof ). I also could not have possibly gone into the office of XXXXXXXX XXXX on XX/XX/XXXX as I was working a XXXX XXXX shift in XXXX, Texas. I have attached the proof from my employer. On XX/XX/XXXX I had a XXXX appointment immediately after work at XXXX and immediately went to XXXX XXXX afterwards for lab work. I do not feel proof of these medical circumstances are required at this time but if they become necessary I will provide the proof. Therefore, I could not have possibly done the events XXXXXXXX XXXX and National Credit Systems are claiming which makes these a lie and a serious violation. I am being wrongfully accused and wrongfully being reported. Lastly, I turned in my keys on XX/XX/XXXX. If they are claiming I went to the office to turn in keys on XX/XX/XXXX they will need to provide proof as it has been established that they lie in an attempt to receive money and they simply can not be trusted.
Company Response:
State: TX
Zip: 79936
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Filed proper documentation with apartment manageXXXX XXXX before eviction stating to be removed from lease.
Company Response:
State: TX
Zip: 77080
Submitted Via: Web
Date Sent: 2022-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-22
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I moved to the XXXX apartments XX/XX/XXXX my lease ended XX/XX/XXXX! Never missed a payment. I decided to renew my lease they stuck a packet in my door to fill and submit back XX/XX/XXXX I submitted back the forms and took a picture of me handed the packet back because I know things are half done around there. So management failed to contact me Ill walk everyday to see if anyone in or call in and theyll tell me that theyll try to get in contact with him so he just went ahead and moved out in XXXX and turned in the keys to whoever was on duty XX/XX/XXXX my neighbor stated that they found a 5 day to vacate to move in XXXX mind you I already moved out ; so I had to show up for eviction court and I go charge for months I didnt occupy the unit! I wrote and sent certified letters to validate debt, and the last letter they signed for XX/XX/XXXX with the proof of documentation where I wasnt charged for XXXX and where the storage and uhaul was purchase so no one havent gotten back with me yet! And they sending emails thats ending up in my span than send out letters like they instructed too!
Company Response:
State: LA
Zip: 70805
Submitted Via: Web
Date Sent: 2022-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX collection opened under false pretense using identification to authorize a mortgage debt. XXXX XXXXXXXX XXXX apartments. A police was filed on XX/XX/XXXX for identity theft. authorized use of identification card. XXXX XXXXXXXX XXXX violated my personal identity u.s.c 1028.4 and 15 u.s.c 1681 obtaining a persons information to file a debt to file a consumer report as an estate or government agent for a financial advantage. This report was pulled under false pretense and needs to be removed and deleted from my account. This is not my debt. I did not validate this. My address is private this is not my record.
Company Response:
State: TX
Zip: 77041
Submitted Via: Web
Date Sent: 2022-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-20
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Company is falsely accusing me and my spouse of a amount I do not owe
Company Response:
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-08-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX XXXX attempting to collect a debt on behalf of XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, XXXX XXXX. This company seems to want to collect money that isn't due. The lease was terminated on XX/XX/2021. Prorated rent due was {$870.00} which was submitted. This company is attempting to collect {$1500.00}.
Company Response:
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter from National Credit Sytems , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom are owned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A settlement offer for XXXX for the balance of XXXX with XXXX account number XXXX. This debt that is attempting to be collected was already tried by the legal team for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After breaching the agreed contract in multiple ways, I filed a motion with the court. The civil case was then dropped officially on XX/XX/XXXX. The dispossessory and the civil case was dropped then from the original filing date of XX/XX/XXXX, if the bar can not be met in a state court to collect on the debt and such items were dismissed. Certainly attempting to now collect this debt now privately through a collections agency is at a minimum negligent and in poor practice, if not rising to the level of violating the debt collections laws, codes and rules.
Company Response:
State: GA
Zip: 30188
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account NATIONAL CREDIT SYST XXXX Opened XXXX. XXXX, 2017 with a Balance of {$3700.00} incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: National Credit Systems , Inc. ( NCS ) is collecting an alleged debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ). XXXX was the landlord on a rental property to which I was a lessee. XXXX claims that I owe {$420.00}. This amount consists of a {$730.00} Notice to Vacate charge and {$370.00} in maintenance/cleaning charges, less the amount from my security deposit of {$680.00}, which XXXX has kept. I have sent several responses to NCS demonstrating that the {$730.00} charge was improper and not owed to XXXX because their tenants did not vacate early and they paid rent through the end of the lease term. The lease states that this charge is not owed " if you are moving out on the Lease term ending date, '' which is when the tenants moved out. The tenants also properly executed a " Notice to Vacate '' and filed it with XXXX. I further challenged the {$370.00} in maintenance/cleaning charges, requesting backup to prove that all of the claimed charges were necessary and were actually incurred by XXXX. Even if XXXX can substantiate the {$370.00} in maintenance/cleaning charges, XXXX still owes me a REFUND of {$300.00} for the improperly assessed Notice to Vacate charge of {$730.00}. Despite my timely communications with NCS, they have failed to address my dispute of XXXX 's claim and have reported this debt to collection agencies, thereby improperly and unfairly harming my credit score.
Company Response:
State: NY
Zip: 10512
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2022, I contacted National Credit Systems INC. I spoke with XXXX XXXX. I paid the balance in full ( approximately {$2600.00} ) owed on behalf of XXXX XXXX XXXX. I was assured by XXXX once XXXX updated my payment I would receive a paid in full letter ( attached ) and the debt would be removed from my credit report. Until recently, this was true. On XX/XX/2022, I submitted a rental application for XXXX XXXX of XXXX XXXX I was denied rent because XXXX XXXX reported the balance of {$2600.00} for XXXX XXXX Apartments was still owed. I called XXXX with XXXX XXXX company ( the management company for XXXX XXXX XXXX XXXX on XX/XX/2022 and was advised to contact XXXX as they were reporting the incorrect/negative information. I called all three credit reporting agencies and each one stated that neither XXXX or XXXX XXXX was reporting on my credit report. I can not submit a dispute that does not exist. On XX/XX/2022 I contacted XXXX XXXX and spoke with XXXX. XXXX advised he would submit a complaint to XXXX XXXX on my behalf. Reference number XXXX. I received a notification today ( XX/XX/XXXX ) my credit reports had been updated by XXXX. All that was done by XXXX was to update my report with " dispute received ; account reporting accurately ''. I am tired of XXXX ' automated system flagging my credit report as disputed without an actual human verifying the information. Especially when a copy of the paid in full letter was submitted. Having this debt on my credit report is causing me financial harm. I am scheduled to move from my current residence on the first of XXXX and have no where to live and like many others I can't afford a hotel. If I am not working I will lose my job. I can not simply stay in a woman 's shelter. I want the account removed from my credit report as promised by XXXX ( tecorded line ), along with the dispute. I also asked XXXX to follow up with XXXX XXXX as I never received my deposit back from them. To date I have not received a response from XXXX or XXXX. I did contact XXXX XXXX as well, to which was in vain as they never returned my phone calls. I received the same lack of response from their corporate office as well. I do not think it is too much to ask to report accurate information and I am tired of XXXX not taking the time to do the research. It's not complicated as they have the information on file. I am sincerely hoping that you can expedite my request and have my credit report corrected as soon as possible. If I need to seek legal action I have no problem taking this route as this debt should have been updated and corrected at the beginning of XXXX. Thank you for your time and I look forward to hearing from you soon. XXXX XXXX XXXX
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A