Date Received: 2022-08-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had signed a lease with someone and when Covid hit we lost our jobs and had to move out to move in with family. I was in constant communication with the Management of the apartment complex and have signed documents stating me myself moving out. The other person did not have that and yet the responsibility it falling on me when I had did my part. I have reached out after finding this on my credit report. I do not believe I owe the full amount of any at all when I paid the full price of rent alone and had lost my job due to covid. I also did not feel a proper investigation was done.
Company Response:
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I pulled my credit report on XX/XX/2022 and noticed there is a debt under my name for a broken lease at the XXXXXXXX XXXX XXXX. The company then sold the account to National Credit Systems. My identity was stolen and used to open this account without my prior knowledge nor my consent. It is affecting my credit as we speak in a derogatory manner. I have submitted a complaint with the fraud departments for all three major credit bureaus and will be filling a complaint with my local police department.
Company Response:
State: TX
Zip: 77503
Submitted Via: Web
Date Sent: 2022-08-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: NCS collection vas verified as in correct and removed from XXXX. Proper investigation and validation has not been done after many requests. No communication has been sent back, even though inconsistencies were identified and deleted as a result. Alleged debt with XXXX XXXX XXXX has been disputed numerous of times, each time it has not been verified as requested. Calls to attempt to collect alleged debt are at least 6 times a day before and after business hours, and even more frequently on the weekends.
Company Response:
State: TX
Zip: 76502
Submitted Via: Web
Date Sent: 2022-08-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XXXX XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX Dear XXXX the account number XXXX XXXX - Client Account number XXXX has been adjusted and a request sent to remove my XXXX XXXX XXXX. I am sending this email because I received a letter from XXXX XXXX Collection Representative XXXX or XXXX explaining that I owe XXXX when I have proof that the adjusted amount is XXXX. XXXX. I don't understand why I am getting a letter with the disputed amount. I have already reached out to XXXX XXXXXXXX XXXX XXXX managers and I was assured that they would handle their mistake. I am willing to pay what I owe but I need a letter with the new adjusted amount. I want to pay XXXX a month until it's paid off because I am on a limited income and if I can send more than XXXX a month I will. I just need something in writing explaining that NCS has accepted the adjustment because I can't pay on an amount That I know I do not owe. If I am unable to solve this matter I will contact Consumer Financial Protection Bureau in order to get this matter settled. Feel free to email me with an acceptance of the request submitted from XXXX XXXX Apartments located in XXXX XXXXXXXX. Thank you! Sincerely, XXXX XXXX XXXX P.S. I have the emails that were sent to me from XXXX XXXXXXXX XXXX concerning this matter. I found this picture online two weeks ago about your company 's business conduct. XXXX XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, XXXX, XXXX Thu, XX/XX/XXXX at XXXX AM Good Morning XXXX XXXX I hope your day is going great! I have attached the updated deposit accounting for previous residents- XXXX XXXX and XXXX XXXX XXXX XXXX is requesting to have XXXX XXXX removed off this debt and is willing to start a payment plan to settle debt. XXXX will need to work with you to have any payment plans approved. You have permission from XXXX XXXX to remove the debt from XXXX XXXX and to work with XXXX on the final debt amount owed allowing this collection account to be resolved. Should you have any questions or need additional information, please feel free to reach out, XXXX XXXX XXXX XXXX
Company Response:
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2022-08-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is a debt that i do not owe, this is retaliation for submitting a small claims lawsuit due to property XXXX trying to take my rental assistance and came up with fake debts that i was never told about, they just show up on my credit repot ~5 months after i move out. I never recieved my deposit not did i get an explanation where it went. I spoke with the debt collector and when i asked for a debt validation she read a list of items on a word document, no pictures, no reciepts, just an invoice, and this is enough to ruin someones credit and get away with it. I had renters insurance the was mandatory but no claim was ever submitted. This is the way XXXX individuals like me are treated. I am submitting proof of insurance that the landlord needs to submit a claim if these are real debts.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National Credit XXXX did not provide proof of the collection. They are always rude and only want to collect money that I do not owe.
Company Response:
State: NC
Zip: 27610
Submitted Via: Web
Date Sent: 2022-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I moved into the XXXX XXXX sometime in XXXX of XXXX. I signed a lease. That following year, sometime after the pandemic hit, I was having financial difficulties and fell behind on my rent, in the amount of aprox XXXX. I was being threatened that I would be evicted. I reached out to several agencies to apply for help. One agency in particular said they would help. XXXX XXXX I let the property manager know. ( XXXX XXXX ) After the agency paid the balance on my behalf, I regained a positive rent balance. A year later, At one point, I was deciding on moving in with a family member to share the financial responsibilities. So I let the office manager ( XXXX XXXX ) know that I wasnt ready to sign a lease for another year just yet. So she started charging me a month to month rental amount, which was XXXX. Which also included a fee of an extra XXXX. In total that was a XXXX monthly rent amount for a one bedroom apartment. ( And the complex had a bad roach problem. ) Knowing that amount was too steep for me, I decided to go ahead and sign the new lease. This is where the drama started. I let XXXX know I was ready to sign the lease, she said she would put it in my door ( as she did with all paperwork ) and for me to sign and bring back to the office. She never put it in my door. I emailed her several times about the lease, stopped by the office to sign the lease to no avail, she wasnt there. Never received the lease. She continued to charge me the XXXX a month amount. So I fell behind on the rent. But not the amount she is claiming and reported to the company who reported to my credit report. I reached out to XXXX again. I contacted XXXX numerous of times by phone / email and stopping by the office to get the new lease and also get the correct amount that I owe so I could pay. ( I have proof ) She just kept saying that the agency would pay it, dont worry about it. So, the agency, indeed was going to pay it. But XXXX didnt send in the paperwork needed for them to pay it. And also some paperwork she sent in didnt have my name on it, ( I have proof ) so the company denied my request for help. So, she would never give me the correct amount, never would give me the new lease to sign and she kept overcharging me that ridiculous XXXX a month. I decided to move, I was afraid of being evicted. I moved out in XX/XX/XXXX. She was XXXX that I moved and reported a bogus amount that I owed ( over XXXX dollars ) to this collections company, who then reported to my credit report. Causing me to be XXXX. I believe she price gauged my rent in attempt for me to get the agency to pay it so she could pocket some of the money. Thats why she was XXXX when I moved, because her plan didnt work.
Company Response:
State: GA
Zip: 30126
Submitted Via: Web
Date Sent: 2022-08-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/2022 I sent {$750.00} ( money order ), along with a Settlement letter to National Credit Systems. Previously, I sent a {$750.00} Cashier 's check to the same company and the check was returned back to me. The note I received was that the company could not accept a cashier 's check and ask me send a Money order. Today is XX/XX/2022 and no response! I paid this creditor and they also received the settlement letter.
Company Response:
State: NC
Zip: 28209
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NATLCRSYS IS ATTEMPTING TO COLLECT AN ALLEGED DEBT FROM ME AND CAN NOT VALIDATE THE ALLEGED DEBT. THE ACCOUNT IS CURRENTLY A COLLECTION STATUS AND NATLCRSYS IS STILL TRYING TO COLLECT.I even submitted a cease and desist. i Attach the letter too and they could not provide the promissory note of this alleged debt.
Company Response:
State: MI
Zip: 49509
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: One day I woke up to a company named National Credit System on my consumer report. I do not know who they are and how they got my non-public identifying information. I have never given consent for them to furnish anything on my report. I demand a debt validation with a wet ink signature copy between XXXX XXXX and National Credit System. I also demand XXXX to block this fraudulent information immediately.
Company Response:
State: TX
Zip: 77044
Submitted Via: Web
Date Sent: 2022-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A