Date Received: 2022-02-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: National Credit Systems is the collection company that I have been forced to deal with. The supervisor was disrespectful when trying to take care of my collection. She said that they can't lower my payment and then told me that I have to pay the maximum amount then hung up on me. As I'm trying to resolve my account.
Company Response:
State: AZ
Zip: 85201
Submitted Via: Web
Date Sent: 2022-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX has leased an apartment in XXXX at XXXX XXXX located in XXXX XXXX, SC. I was an occupant of the property and not a leaser/guarantor for the lease. The company had an outstanding balance on the lease that was finally settled by the company in XXXX but the collection company National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX had placed this as a collection account on my credit negative effecting my credit. This derogatory account on my credit is stopping me from closing my home this week ( XX/XX/XXXX ) potentially jeopardizing my interest rate lock. I have attached the letter from the landlord with zero balance.
Company Response:
State: VA
Zip: 20148
Submitted Via: Web
Date Sent: 2022-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-13
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: Landlord harassment with malicious intent through collection agency. Name of agency : National Credit Systems , Inc. XXXX XXXX XXXX XXXX, GA XXXX Free XXXX Phone XXXX Summary of complaint, I was a tenant at XXXX XXXX XXXX, XXXX XXXX, in XXXX " Nevada ''. The terms for early termination of the lease were clearly discussed prior to renting. I have attached an email communication. By XX/XX/2020 when the COVID lockdown begun I no longer had the option to stay at the job I had at the time due to minimal operation status. By XX/XX/2020 my only option was to transfer to California ( I have attached the letter ). I am being targeted by the XXXX 's management company aka. landlord because of my profession and the assumption of a high income. They have sent over {$10000.00} to a Collection agency which is a deliberate action with malicious intent. Respectfully,
Company Response:
State: MD
Zip: 20879
Submitted Via: Web
Date Sent: 2022-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Dear Consumer Financial Protection Bureau, I am contacting you about a Collection account that I have because of the lies of my ex roommate. I tried to dispute the collection with all 3 credit companies, but only XXXX proceed with my complaint, I really hope to get justice and remove this collections from all my accounts. Everything started when the COVID-19 hit and I started working remote from my room. My ex-roommate- XXXX XXXX made sure to make my life intolerable by singing, putting loud music at night ( after XXXX am ) and smoking. Not only I, but also our neighbours were complaining to the apartment complex managers. I have proof of many emails I received from XXXX XXXX stating there are complaints of noise and smoking coming from our apartment. I talked to XXXX several times, asking not to make noise after XXXX, as I needed to wake up early and work, but after that she continued same way she did before. After 2 months of sleepless nights, I couldn't take it any longer, so I called XXXX XXXX apartment complex and told me I was leaving and needed to sign my name off the lease. XXXX denied my request, stating XXXX would need to find another roommate. XXXX immediately refused to get another roommate and told me to leave reassuring the plans to live in that complex another year. Trusting XXXX was my biggest mistake. After 4 months she told me she's getting married and leaving XXXX. She asked me to sign my name off the lease, which I did, and once again reassured me she would pay the whole lease cancellation and I don't have anything to worry about. XXXX was an irresponsible payer from the very beginning. I started received calls and emails from XXXX every month, saying she doesn't answer the calls or proceed with the payments. Each time I would contact XXXX and she would tell me she is about to pay. Shortly after, she started manipulating me to pay, threatening it would go to collections and harm my credit score. Back then, I had already lost my job due to COVID and was living on my saving, but I never wanted to have my credit ruined so I told XXXX debt collector, that I am eager to pay my half and have my name out of that debt. The debt collector didn't accept my offer, so I was powerless to do anything. XXXX XXXX didn't keep her word and stopped paying and the case was sent to collections. I am writing to you hoping you can understand the unfairness of the whole situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since the very beginning, I was very responsible with all my payments and in a short time all my credit reports became excellent. My only and biggest mistake was trusting a person who totally let me down. I also feel very disappointed that from the very beginning XXXX wouldn't let me sign my name off the lease, although they knew I had difficulties living with my roommate. Also, please find attached the screenshots of the noise/smoking complaints from XXXX, my complaint to Florida Department of Agriculture and Consumer Services and , of course, XXXX XXXX XXXX endless lies and manipulations. Please kindly consider my complaint, I literally don't know what else I can do to deal with this injustice. Thank you for your understanding. Regards, XXXX XXXX
Company Response:
State: FL
Zip: 32940
Submitted Via: Web
Date Sent: 2022-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX, XXXX, and XXXX Re : XXXX XXXX, XXXX XXXX National Credit Systems listing for {$500.00} XX/XX/2022 Dear XXXX, XXXX and XXXX XXXX On behalf of my client, XXXX XXXX XXXX SSN XXXX ), I am contesting an entry on her credit report from National Credit Systems , for a sure deposit. The debt is for {$500.00}. This debt is being contested as being illegitimate. My client contests this debt and insists that she did not create this debt in her name. You must show Client proof that she signed up for this, We are demanding proof, if you can not show proof that my client signed up for this, please remove now. Please remove this debt from XXXX XXXX credit report. If you have more questions, please let me know. Thank you. Sincerely, XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX. Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
Company Response:
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I moved out of mallard cove apartments in XXXX va in XXXX of 2019 due to a protective order and domestic XXXX. I was advised that I did not owe any money. I never received anything in the mail from the apartment complex nor collections. I recently pulled my credit report and saw a collection company, national credit systems showing {$810.00} due for mallard cove. I contacted them and they claimed it was for rent. However, I never received any notification from them nor mallard cove. I contacted mallard cove and was advised they did not have records from 2019 as they have new management. I contacted the old management company and was advised they sent all their records to the new company managing the property. When I contacted the property again, I was advised they show {$810.00} but my rent was actually {$820.00}. They stated a late fee of XXXX wouldve been attached and I should have a {$250.00} credit for my deposit towards the amount. However, the fees do not add up to {$810.00}. Nor do I have an itemized bill showing anything. There has been absolutely no contact from the collection company nor the apartment complex.
Company Response:
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: XX/XX/2021, THIS DEBT APPEARED ON MY CREDIT REPORT FROM A PLACE I RENTED IN XXXX 2021, I HAD PAID FIRST MONTH RENT AND DEPOSIT AND WAS EVICTED A FEW WEEKS LATER, I RECIEVED A LETTER STATING AS LONG AS I MOVED OUT BY DATE GIVEN AND RETURNED APARTMENT KEYS, I WOULD NOT BE CHARGED, ALMOST A YEAR LATER I RECEIVED A COLLECTION ON MY CREDIT REPORT STATING I OWED XXXX XXXX AND I HAVE NUMEROUS OF TIMES DISPUTED THIS I OWE THEM NOTHING AT ALL
Company Response:
State: MI
Zip: 48602
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hello, I have made several attempts to verify debt on my current XXXX credit report by National Credit systems and they have continually been non responsive and have failed to provide verification of debt they are stating I owe. I have sent several letters to the creditor since XXXX and I have not received any response from none of the letters. I have also sent multiple communication to XXXX disputing the debt and it came back " verified '' according to XXXX but the creditor is refusing to send me written notification of the debt, verification that the debt is mine.
Company Response:
State: TX
Zip: 77407
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
Company Response:
State: SC
Zip: 29483
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I discovered that I was a victim of identity theft and promptly contacted the debt collection company by filling in their affidavid and supplying information that the debt did not belong to me. This was for unpaid apartment debt of {$7000.00} in XXXX Nevada, incurred by a person using my SSN and name. I have never lived, visited or have any contact in Nevada. As part of the information that I sent to National Credit Systems ( the debt collector ) on Friday XXXX of XXXX was a police report, and evidence ( utility bills ) of residence of my home here in XXXX XXXX California proving the debt does not belong to me. The information has also been sent by certified mail, to the debt collector. XXXX XXXX XXXX : XXXX XXXX XXXX. Today, XX/XX/XXXX I have received a threatening letter from XXXX XXXX XXXX XXXX XXXX, seeking to collect this debt from me despite her having in her possession documents that prove that the debt is a result of Identity theft, and stating that she has furnished information to credit reporting agencies. I have just spent the last few days working with these agencies to remove the false information to restore my credit rating and she is now reversing it downwards, in a threatening manner. This is clearly intimidation tactics to pay for debt that doesn't belong to me. The company is National Credit Systems , Inc XXXX GA XXXX
Company Response:
State: CA
Zip: 92126
Submitted Via: Web
Date Sent: 2022-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A