Date Received: 2022-02-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After midnight, I dont remember the specific date, I submitted an online application for a specific apartment unit at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX. The website had the apartment as available for immediate move-in. I had a few questions I wanted to ask about apartments, so I called them as soon as their office opened at XXXX XXXX I spoke to a young man. I informed him that I had submitted my application in the early morning hours. He told me my application had not been processed yet. I then asked him about the specific unit I had applied for. He told me that the unit was not available. I asked him why it was listed as available, and why I was allowed to apply for the unit if it was not available? He said he did not know ; to both questions. Then I asked him what other units are available? He said that they did not currently have any apartments available. Then I asked when would more units become available? He told me he did not know. I asked him did he have an estimate of when more units would become available. He said no. I asked : One week? Two weeks? One month? Two months? He again said that he did not know. I asked him why were they charging the application fees for apartments listed as available that actually are not? He said he did not know. At this point I told : I withdraw my application. Do not process it. I withdraw it. It has not been processed and I do not want to proceed with applying for an unavailable apartment, and you are unable to tell me when a unit will be available in the next two months. I also want my application fee refunded because the apartment I applied for as available, is unavailable, and you do not know when another one would be available. I also want my money refunded for the charity applicants are being forced to donate to before being allowed to move forward in the online application process. He informed me that a manager would have to process the refund for the application fee, a manager was not currently available, and he would give my complaint to the manager. A few days later I received a voice mail from a female employee from XXXX XXXX XXXX informing me that my application had been denied. I had the payment canceled for services not rendered and false/fraudulent/deceptive business practices. It is illegal to advertise the availability of a specific apartment unit, charge an application fee for a unit that is not actually available, not provide an alternative, can not say when an alternative will be available, and then process an application that was withdrawn before the application was processed, and then attempt to extort the fee by placing it on my credit report for collection. The {$290.00} collection listed on my credit reports by National Credit Systems is a criminally fraudulent collection originating from an attempt to acquire money from a consumer under false pretenses. I do not owe National Credit Systems {$290.00}. They do not possess an original contract or document bearing my signature that has created an obligation of payment or debt owed to them by me. They are refusing to validate the debt. It has been over 30 days since my request.
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2022-02-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-02
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They furnished a report without my permission. Which is a violation to pursuant to 15 usc 1681b ( 2 ). They reported transactions from my credit card to my consumer report which is a violation to 15 usc 1681A ( 2 ) ( b ). They committed fraud and obtained my information illegally. They tried to say I owe something when pursuant to 15 usc 1692g they don't have the permission to say I owe anything. Pursuant to 15 usc 1692a they can not invade my privacy and only I deem what is private to me.
Company Response:
State: MO
Zip: 63108
Submitted Via: Web
Date Sent: 2022-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX Apartments but left even before I moved in. We have the same last name and our first names are similar. The first XXXX letters of the first names are the same. This might have caused the company to think that we are the same person. I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX Apartments in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. In the attached documents, you can see that debt owner and I are completely different people. Description for the attached documents : XXXX. XXXX XXXX- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX apartment. ( All this information shows the debt owner is not me. ) XXXX. Itemized Charges {$150.00} from XXXX -- shows the charging details. Again, the listed residents are not me. XXXX. XXXX XXXX Disputer.pdf -- This is the lease I signed with XXXX XXXX XXXX XXXX apartment for unit XXXX, starting from XX/XX/XXXX. XXXX. XXXX XXXX Debt Owner.pdf -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX apartment for unit XXXX.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) Account Number : XXXX Date Opened : XX/XX/2016 Balance : XXXX
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to the incorrect items on my credit report is has been well over 30 days and I have not received any investigation results.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I filled a dispute in regards to the incorrect items on my credit report is has been well over 30 days and I have not received any investigation results.
Company Response:
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2022-02-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX, XXXX XXXXXXXX and the National Credit Systems was sent an email that had a debt verification attachment. In that document, XXXX XXXX and National Credit Systems were both asked to verify the debt of {$10000.00}. More than 30 days past ever since XXXX XXXXXXXX and the National Credit Systems received that letter. To this very day, no proof of the debt or validation attempts have been received by the National Credit Systems or XXXX XXXXXXXX. On XXXX XXXX, my attorney filed a pro to vacate order to dismiss the eviction filed by XXXX XXXX. On XX/XX/XXXX, XXXX XXXXXXXX attorney agreed that the eviction should be dismissed on the basis that I did properly notify XXXX XXXX of leaving the property and I did find someone to sublease the property. Since someone subleased and resided in the unit, the reported debt of {$10000.00} is inaccurate. On XX/XX/XXXX, a local judge of XXXX XXXX approved to dismiss of this eviction. The debt is showing for the full amount on my credit history, which is inaccurate. If the National Credit Systems can not legally validate the debt because another person resided in the property and was paying for the rent. If National Credit is unable to validate the debt, then they should rightfully delete the debt or correct it on all three credit bureaus.
Company Response:
State: CA
Zip: 941XX
Submitted Via: Web
Date Sent: 2022-01-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The credit bureaus are reporting unvalidated fraudulent collection accounts on my report I've reached out to the companies they have failed to validate account I've disputed it with all 3 bureaus they are somehow verifying the debt as accurate.
Company Response:
State: FL
Zip: 33901
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have been disputing the late payments showing on my account for National Credit System which was already fully paid years ago. They are reporting in my account as 60 days late however this account has already been paid and it is closed therefore it should not be reporting as late.
Company Response:
State: TX
Zip: 77504
Submitted Via: Web
Date Sent: 2022-01-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-27
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: National Credit Systems along with the apartments formerly known as XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX have fraudulently attempted to collect monies from me. I was dealing with harassment and stalking at the apartments and have proof with voicemails from the manager XXXX XXXX who spoke to the individual who was harassing me but never kicked him out so I had no choice but to move out because I was in fear for my safety and life. Per Texas law with a 90 day notice I am able to move out lawfully without having to pay any further rent. I reported the stalking and harassment to the manager of XXXX and XXXX, the police, and to my attorney. XXXX and XXXX failed to properly handle the situation and continued to falsify move out charges. I am a military veteran and they wanted my discount back as a concession pay back, a fee for " breaking the lease early '', and an additional months rent as well as another random rent charge. I paid my last month I lived there and they took my deposits and I had my renters insurance pay them for all damages as well as cleaning fees. I sent them a letter from my attorney and they refused to respond to my attorney and sent to collections ( National Credit Systems ). Whom my attorney also sent letters to and to the credit bureaus with no response. Along with this National Credit systems sent various threatening calls stating they were attorney 's and would sue me unless I paid. After already going through a scary and traumatic experience at the apartments I am continuing to suffer by the hands of XXXX at XXXX and National Credit Systems. I have also struggled to move into apartments due to the fact that there is an amount of {$3700.00} on my collections which I do not owe. I can provide all supporting documents to CFPB. I would like this to be completely removed from my credit and collec tions.
Company Response:
State: TX
Zip: 78573
Submitted Via: Web
Date Sent: 2022-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A