Date Received: 2022-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have a email from this companys property manager XXXX XXXX, from Edge at XXXX XXXX XXXXShe approved my refund amount {$170.00} and I received it, now they put it on my credit saying I owe them. I have contacted this company and they send me to someone voicemail or take my name down but this never gets resolved. They sent it to collections NATIONAL CREDIT SYSTEMS. This place resolves nothing just tells me to call the Apartments if I want any information or get this resolved.I have never had a call or received anything in mail from either company regards to owing this amount.
Company Response:
State: AZ
Zip: 85297
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National Credit System never notified me of the debt or let me verify where this debt came from. I had to purchase a credit report to see where this claim is coming from. It claims the original lender was XXXX XXXX XXXX XXXX but I moved out of that complex in XXXX of 2021 and did not have any balance with them whatsoever. I have attached the closing move out statement to prove I HAVE NO BALANCE WITH XXXX XXXX!
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2022-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-26
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XXXX at XXXX in Ga place a balance of XXXX on my credit report, despite code compliance violations. The debt was sold to National Credit Systems. I made an initial payment of XXXX and the balance never updated until I asked to speak to a supervisor. The collections agent told me that it was not XXXX ' responsibility to update my balance, but it was my responsibility to provide proof of payment. She said that she saw the payment in her system, but it never updated until XXXX on XX/XX/2022. It is my belief that their business tactics is not report updated payments and it still shows a balance of XXXX on my credit report. The supervisor XXXX came on the phone and told me " to get it together '' after I inquired why my balance had not been updated. I also why did I have to show proof of my last payment if the system took it. The business should be responsible for accurate billing information including balance on account. I have not received any documents notifying me of my right to dispute the debt.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2022-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-25
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have settled my past eviction notice balance with XXXXXXXX XXXX XXXX for XXXX XXXX for {$710.00} on XX/XX/XXXX, & it is still on my public record. I want it removed. This eviction was 4 years ago in XXXX. This is ridiculous. It's been settled and paid. I'm trying to move on and this isn't helping.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2022-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-24
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/XXXX, I received a debt collection notice from National Credit Systems ( NCS ) in XXXX, GA. I contacted them explaining that this was not a debt I incurred and is probably identity theft. They instructed me to contact the company that issued the debt. I spoke with the XXXX XXXX XXXX Apartments Assistant Manager who helped me understand what was going on. She believes it was identity theft as well, and said she would contact her person with NCS. She said they would get in touch with me. She sent an email to a XXXX XXXX XXXX with the company on XX/XX/XXXX. I would continue to not receive any correspondence from the company between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, a voicemail was left from an Idaho town of XXXX residents. This call would be from XXXX from XXXX. I called them to discuss the debt and they informed me they spoof their numbers because " nobody picks up XXXX numbers ''. I had received another debt collection notice from XXXX on XX/XX/XXXX and left a voicemail with a mister XXXX XXXX who was on the collection notice. I am writing this complaint because I had been called XXXX times from this debt collection agency using a spoofed number in the month of XXXX. No voicemail was left identifying themself as an attempt to discuss the debt I have fraudulently been assigned until XX/XX/XXXX. They have then moved to place a collections notice on XX/XX/XXXX on my credit file while I have repeatedly claimed that the debt was incurred under fraud. They had never informed me of my rights to dispute the debt even when I repeatedly claimed identity theft both in writing and over the phone. The collection letters do not disclose I have a right to dispute the debt. They officially instructed me on what I must do to dispute the debt on XX/XX/XXXX when they left the voicemail. Between not informing me of my rights, using a spoofed phone number to contact me, and not taking my claims of identity theft seriously, I am writing this complaint.
Company Response:
State: ID
Zip: 837XX
Submitted Via: Web
Date Sent: 2022-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have all the recordings national credit system has told me to provide random information pertaining to their claims and when I provided it they then told me something different four times. I receive harassing phone calls abusive taunting profanity used by the callers and threatening me stating they have all of my information.
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Notice To Whom It May Concern : I was recently made aware of a negative inaccurate item on my consumer report by your company. The following are the negative inaccurate accounts : XXXX XXXX XXXX Account number - XXXX Alleged original creditor XXXX XXXX XXXX XXXXXXXX XXXX - NO ORIGINAL WET SIGNATURE CONTRACT, NO WRITTEN INSTRUCTION, & UNVERIFIABLE : 15 U.S. Code 1692g which means they had no permissible purpose. 15 U.S. Code 1681b ( 2 ) I know this information is inaccurate, and I request that you provide the following for each and every account or remove all negative information : Validate the amount of money you claim I allegedly owe. Educate me on how you calculated the amount of money you claim I allegedly owe. Provide ALL ORIGINAL documents and negotiable instruments ( promissory notes etc. ) proving my agreement to such alleged debts with my WET WRITTEN SIGNATURE. Proof that you are licensed in my state, and provide me with your license number ; To prevent this from being listed on my consumer report, I insist that you also send a copy of this dispute to the companies in which you say I allegedly owe money. Furthermore, I insist that you instruct the furnishers of this inaccurate information that I am disputing these account. Remove the inaccurate and harmful account immediately. I am alleging that the NATIONAL CREDIT SYSTEM has violated multiple of my consumer rights. You can send me compensation for the violations payable to XXXX XXXX XXXX or face this issue in arbitration or furthermore federal court. Without XXXX, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2022-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I obtained my credit report on XX/XX/2022, I notified inaccuracies on my report from the company National Credit Systems, I disputed the account and saw that this was a collection agency that purchased an incorrect debt. I reached out to the original party of whom this debt was sold to. I had to dispute the claims with the local court system constable, it was discovered that me nor the co applicant XXXX XXXX did not owe this debt and that it would be removed. This company has harassed XXXX XXXX with threatening phone calls and by falsely reporting information which has some significant damage. I have communicated with this company and have not receive any validation of debt, this has now been 3 months since the dispute.
Company Response:
State: GA
Zip: 30223
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: That was from an apartment company which was fraudulent, The company has discharge the debt. They have sent the paperwork over and I also have but the debt collecting company is still asking for it.
Company Response:
State: TX
Zip: 75238
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: National Credit System is claiming I owe them {$180.00} for application fee. My identify was stolen and this is a result of that. This was not me
Company Response:
State: FL
Zip: 33714
Submitted Via: Web
Date Sent: 2022-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A