Date Received: 2022-03-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I got a copy of my credit report and discovered that National Credit Systems had put a collection on my credit report.
Company Response:
State: GA
Zip: 30034
Submitted Via: Web
Date Sent: 2022-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: The XXXX XXXX said that they were changing their name and the Lady name XXXX XXXX didn't take our payment because she specified that they were changing names and to pay our rent to the new company would be accepting our payment but when the new company took over we end up being late to the new company but it was the XXXX lady fault so i just moved out because i could pay no double rent
Company Response:
State: TN
Zip: 38127
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This is a formal complaint that the company NATIONAL CREDIT SYSTEM continues to report misleading, and unverifiable information on my credit report. My first attempt to dispute the validity of this account through the three credit bureaus ( XXXX, XXXX and XXXX ) and NATIONAL CREDIT SYSTEM was on XX/XX/2021. Since then, NATIONAL CREDIT SYSTEMS has not responded to me with verifiable proof. They continuing to report a collection account on my credit report. The account number is # XXXX. They are alleging that I owe {$1100.00}. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me. They sent me a generic paper showing the balance of the account at {$0.00} owed and on my credit report claims I owe {$1100.00}. They are obviously reporting a fraudulent account. I am not familiar with this account at all. This company has cause me so much XXXX and financial stress. I am requesting that they delete all my information from their system and stop reporting or I will take legal action.
Company Response:
State: FL
Zip: 33009
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I dont not have a written contract with the company. They never provided a written contract with my signature. They amount it for {$1900.00}
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: keep on receiving notices for a debt collection company called National Credit System, Stating that I owe {$170.00} from a company I have never been associated with, I never dealt with that company or owed them money. I spoke to National Credit System, I told them this has to be a result of identity theft, and they still trying to collect this debt and threatening to report it on my credit report.
Company Response:
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2022-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-04
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX, I received a call from XXXX XXXX in reference to an " unpaid " debt of {$1200.00}. I proceeded to let him know that this debt has already been paid. He said he would reach out to his client and get back with me. I then received another call from XXXX XXXX on XX/XX/2022 that he spoke to his client and they can't find the payment in which the apartment manager signed for. But admit that payment had been received by the office. I then received another call on XX/XX/2022 asking for proof of payment of debt being {$1100.00}, and to have it emailed to his supervisor XXXX XXXX ( XXXX ). While I was listening to him, I was sending thr documents to his supervisor. I continue to asked how did the debt go down, and he couldn't answer me. To this day, I have not received another phone call nor a deletion from my credit report.
Company Response:
State: ND
Zip: 58504
Submitted Via: Web
Date Sent: 2022-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I first contacted National credit system XX/XX/17 when I was notified of the collection placed on my report from XXXX. I do not owe the balance of {$2300.00} that has been stated I owe I have spoken with the corporate office of Villages of Hikes point they confirmed that I do not have an account nor do I owe an balance. I have disputed this debt several times with no resolution between the furnisher or the credit bureaus there was no notice given letter mailed or contact the company just slammed the debt on my credit report. once i began to dispute i started receiving harassing calls and threats to damage my credit report without a proper conversation for me to deny I owed the debt I have also spent numerous amount of money on repair companies to have this removed nothing resolved i always pay my debts but I will not pay an account that I do not owe. however this has brought many damages to my credit rating
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: A representative from National Credit Systems Inc. informed me that I would be sent verification documents ( XXXX ) in the mail along with settlement offers. When I called in XXXX of 2020, I was told that I had a settlement on file that was mailed to me, per the representative. Which I never received. I tried to see if I could take advantage of the 55 % settlement offer that was on file. The representative stated that the system was down on the final date of the offer letter. To take advantage of the settlement, the representative would honor the settlement but not give me 30 days to pay off the debt but only 24 hours. I once again ask for settlement offers to be mailed to review. As of today 's date, I am checking my USPS informed delivery. I have yet to receive any documents via mail in the year I have been paying this debt.
Company Response:
State: TN
Zip: 38305
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Last year I was notified I owed XXXX apartments {$71.00} for a bill after I moved from the property that was turned over to collections. I went to the property and paid it. I sent National Credit Systems a letter. I disputed it several times. They are still reporting the item as unpaid and have since caused me to be denied on other apartment applications.
Company Response:
State: TX
Zip: 76053
Submitted Via: Web
Date Sent: 2022-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was living at XXXX XXXX XXXX where my contract was voided out due to the apartment being infested with mold. I have a written notice from the apartment manager where I wouldnt be charged upon leaving. I now have {$230.00} on my credit. I sued the company for damaging my credit, loss of personal belongings, and medical costs for XXXX XXXX XXXX. A judge awarded me {$5100.00} however the apartment complex did not pay or remove the damage to my credit.
Company Response:
State: TX
Zip: 78516
Submitted Via: Web
Date Sent: 2022-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A