Date Received: 2022-08-18
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX {$4100.00} XXXX left them multiple emails regarding this situation and I had someone throw paint on my door. Someone destroyed my apartment and claimed I did it just like my neighbor next door got into an argument with me and the paint on my door and they did nothing. I had to pay for a hotel because I didn't feel safe. i'll came to the front office and they aren't there or it's closed early or they don't answer their phone I leave messages I leave emails at this point there is nothing else for me that I can do they refuse to return any of my phone calls or respond to any of my emails in regards to XXXX issues that I have in regards to this apartment since I've been there I've had XXXX XXXX XXXX XXXX from this carpet that it took them a month of me contacting and begging them to clean and i eventually ended up in the hospital I now had birds in the walls of my apartment and I've looked outside on the side of the house and there are holes that they have constantly made a noise pecking at to get into the building and now they are living in the walls I started getting pest issues from all the trash that is constantly left around the entire neighborhood I now have pictures of proof of everything from the dirty hallways the overflowing trash the dirty disgusting breezeways the amount of times that I've tried to contact them with no luck and on three different occasions now there have been gunshots near my apartment in my home and my safety is now questionable I also have recordings of one of the shooting incidents they are refusing to do anything the gate has been broken for almost 6 months now and no one is caring about the safety of the people that live here and I am expected to give rent when I do not feel safe living here i ended up losing my job due to me being XXXX XXXX XXXXXXXX XXXX This was a very toxic living situation. I can not pay
Company Response:
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2022-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They are trying to collect a debt of about {$300.00} for damage caused to the property where I lived. The damage in question is a window, which without any evidence was charged to me for the damage. Again, when I lived in that apartment I pointed out that the window was broken, but they waited for the day after I left to accuse me of breaking it.
Company Response:
State: TX
Zip: 78613
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: National Credit Systems, defined by the FCRA in this matter as a credit reporting agency, has violated Fair Credit Reporting Act Title 15 U.S.C. 1692c. ( b ) ( 2022 ) by communicating a debt in which has been alleged in association with XXXX XXXX to a third party ( XXXX ) without express written consent or judicial permission. As stated, the furnishing violates the Fair Credit Reporting Act, therefore rendering it impermissible by law to be communicated to a third party or national consumer reporting agency.
Company Response:
State: MI
Zip: 48207
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: I officially moved out of XXXX XXXX apartments in XXXX, XXXX on XX/XX/2022. On XX/XX/2022 I received an email from them with my last invoice and that total was {$220.00}. They said, that I had 30 days to pay it in the email. On XX/XX/2022 I went to XXXX and made a cashiers check so I could drop off the remaining {$220.00}. I live right down XXXXhe street from XXXX XXXX so, I decided to drop off the cashiers check. They gave me my end of the stub and the {$220.00} was deducted from my account on this day. The manager told me I was good and the account was satisfied. I just checked my credit XXXX, XXXX and I had an amount of {$220.00} sent to a collection agency from XXXX XXXX. This is blemishing my credit and is frustrating because I have a collection agency asking me to pay this amount again and having my credit impacted by this when I already paid the amount due. Thank you for your time and I hope you can help me.
Company Response:
State: TN
Zip: 372XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: The collection letter I got from National Credit Systems contained no information about how I can dispute this illegitimate debt. National Credit Systems only Instructed information on how to pay but nothing on how to dispute this debt. I was originally let out of an apartment lease due to severe medical conditions and provided a letter from my Doctor to the apartment Manager who advised me there was no problem. Once I got a collection letter from National Credit Systems I was confused. I tried calling this collection agency to advise of my dispute and requested to speak to a manager. I was immediately advised by the lady who answered the phone that I could not speak to a manager and was instead transferred to a collector named XXXX XXXX. I explained in great detail about my medical condition, the Doctor 's letter I provided to the apartment manager and why I disputed this illegitimate debt. In the middle of my explanation and without warning he placed me on a very long hold. when XXXX XXXX finally returned to the line, he talked over me and interrupted me with loud and rude demands for payment. I again advised of me dispute and then he rudely hung up on me. The phone conversation I just described took place on XX/XX/2022. I fully expected that I would receive some sort of an attempt at validating this debt and maybe even a call from a manager apologizing that I was denied ever even speaking to in the first place. I called National Credit Systems again on XX/XX/2022. This time I was again denied my request to speak to a manager and got same XXXX XXXX on the line. this time I hung up on him due to my previous treatment by him. National Credit Systems never validated the illegitimate debt and only threatened me with ruining my credit report. Please do something about this as I am suffering from much XXXX which is only aggravating my medical condition. Thank you who
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: So I moved in a XXXX XXXX XX/XX/XXXX I fulfilled my lease and and stay for about XXXX years so it was getting close to time for me to renew my lease but I informed my office that I had feel very ill due to XXXX and I will not be renewing my lease so, so in about XXXX or so of XXXX when my lease was coming to a end my now fianc had us a house and so I started moving but stuff from my unit slowly because I did not have to be out of the unit so XXXX day i arrived home and my carpet was tore up with XXXX in my sink no call or letter from office as to why my unit was accessed so when i finally spoke with XXXX she stated oh there was leak and mantaince had to come in so i inofrmed her i am ok with them coming in but as far as place trash in my kitchen sink that is nasty and why would they leave it there so she apologized XXXX times nobody still never removed the carpet and trash out so i at this point am just ready to move so i continued slowly moving my things i also continued paying my portion of rent and housing paying the remainder so i emailed XXXX and asked her how much was last month of rent and she stated prorated is XXXX so i paid my XXXX month turned my keys took pics and did my walk thru now here it is XXXX years letter and i get a bill from XXXX XXXX XXXX XXXX stating i owe and balance of XXXX i reached out to creditor who by the way was very rude so and i also tried talking with nanacy but at this point im livid bc why do i have a balance if i am on housing and have emails that stated my move out was perfect i owe no balance and nobody can tell me why and this is now affecting my life and i need this corected immediately because i do not play about my credit and its damaging my life at this point especially when no one can give me a dirrect answer also might i add i also emailed the coporate office over the apts as well
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I recently submitted a complaint with this company about a debt I knew nothing of. After I received the information I requested. The amount of debt owed is incorrect. I have proof of this. The letter attached was turned in to their front office XX/XX/2021. The keys were turned in the night of XXXX, XX/XX/2021 to the after hours drop box ( same location keys were dropped off ). I called out from work by emailing the callout line that same day. XX/XX/2021 maintenance man came to my door with my Intent to vacate letter that was submitted to the office. He was addressing the leaking water pipe that no one had came to fix after I submitted a formal maintenance request which is also mentioned in that letter. I have submitted a dispute on my credit report as well due to this situation. Please contact me at ( XXXX ) XXXX to get this amount corrected and I will pay the CORRECT amount owed.
Company Response:
State: NC
Zip: 28546
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is written to dispute the decisions by both XXXX XXXX and National Credit Systems ( NCS ) to continue reporting inaccurate information about me after both companies have been supplied with valid proof that the debt reported by National Credit Systems to XXXX XXXX is debt in another persons name that never existed in my name. I do not now, nor have I ever owed the debt in question. An email to me from National Credit Systems dated XX/XX/XXXX states, Your dispute has been investigated ; however we have yet to find sufficient evidence to validate your claim ( s ). It is very important that you provide our company with all relevant documentation and information supporting your position. Documents provided to me by NCS to support its claim regarding the debt are not only insufficient to support NCSs claim, they actually serve to refute it, and prove that the debt in question was never even in my name. The first document, a lease from XXXX, shows nothing other than at XXXX time I was an occupant at the apartment. I moved from that location in XXXX, months before the debt in question was accumulated. When the apartment commenced action to recover the debt, I successfully petitioned the Court to remove me from the action and obtained an order from the Court to expunge the action from my record ( court documents were provided to XXXX XXXX and NCS ). The other document was a final account statement from the apartment prepared on XX/XX/XXXX. The statement includes both my name and the name of another person who lived at the apartment in the address section, however the statement itself clearly names the debtor as the other person and her alone as shown by the system notation at the bottom of the page of the document : Final Account XXXX : ( name of other person ) ( statement was provided to XXXX XXXX and NCS ). The Apartment statement proves the debt in question was not listed in my name by the original creditor. Also, at the time the statement was generated in XXXX, XXXX, not only did I not live at the Apartments, but the date listed is long after the Court removed me from their actions to recover the debt ( proof of address provided ). The information I have provided is irrefutable proof that NCS and XXXX XXXX are reporting a debt that is not now, nor was it ever in my name, but both XXXX XXXX and NCS have refused to correct my report by deleting the derogatory remarks concerning this debt from all XXXX XXXX and NCS reporting. Both XXXX XXXX and NCS have made numerous deceitful statements, such as XXXX can not act on its own to remove the false information, that only NCS can remove it. They have undeniable proof in court documents, screening reports, and even the original creditors statements that I am not the person who owes the debt, but they both say it isnt enough to remove the remark. NCS illegally parked the debt in the wrong name, and when asked to remove it, the representative, XXXX XXXX, said he didnt have to prove anything, that NCS and XXXX XXXX have nothing to do with credit, they operate outside of the credit system and dont have to follow any of the laws, that they could even report and collect on debt discharged in Bankruptcy Court XXXX XXXX XXXX threatened me saying if I didnt pay what he said I owe that I would never be able to rent an apartment again. This company should be shut down.
Company Response:
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft! 1. The creditor was not authorized NATIONAL CREDIT SYST Date of opened account : XX/XX/2022 XXXX
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Initial contact by National Credit Systems : XX/XX/2022 - voicemail || Call to XXXX initiated by me : XX/XX/2022 - not in office || Call initiated by me : XXXX claims to have a debt of {$8700.00} in my name, matching my birthdate. The creditor and location, a rental unit or apartment, is outside of my state of residence and the debt includes parties I am unrelated to and unaware of. Received basic details via a National Credit Systems internal ID theft form. Agent became aggressive and combative when I refused to provide personal information via the Internal ID Theft claim, call was terminated. XX/XX/2022 || Email to XXXX : Subject line " Data packet request '' Written request for debt validation - No reply XX/XX/2022 || Contacted creditor : Voicemail XX/XX/2022 || Contacted creditor : Received identities of the parties on the delinquent account, an individual of the same first and last name as myself, with a matching birthdate, and his mother. None of the other details given by the creditor, such as middle name, title, SSN or even ethnicity of any parties, on the account match my identity. I was also able to find these individuals ' social media via a cursory search and verified their images with the creditor, who had access to photo identification. XX/XX/2022 || Call to NCR initiated by me : Agent immediately raised her voice, becoming aggressive and insisting the only course of action was the internal ID theft claim. I insisted she once again verify the social security number on the account. After a few minutes on hold, the agent claimed that information ( the debtor 's full SSN ) was not included with the information given by the creditor, then terminated the call when I attempted to provide the information given by the creditor. XX/XX/2022 || Sent cease contact and proof of debt letters to XXXX po box via certified mail. XX/XX/2022 || Left a XXXX review on National Credit Systems of their conduct. XX/XX/2022 Received a reply to contact them via their public email address. XX/XX/2022 || Letters were received XX/XX/2022. || Did not receive Debt Validation or any other written communication from National Credit Systems . I received another call on XX/XX/2022. I sent a follow up email to National Credit Systems with regards to the lack of cooperation in resolving this issue, and their lack of compliance with FTC and FDCPA. Following that was a delinquent report on my credit via XXXX and XXXX as of XX/XX/2022, and the debt was listed as a cosigner. || Currently contesting the debt with XXXX.
Company Response:
State: KY
Zip: 40229
Submitted Via: Web
Date Sent: 2022-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A