NATIONAL CREDIT SYSTEMS,INC.


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"Products" offered by NATIONAL CREDIT SYSTEMS,INC. with at least one, but usually more complaints:

Bank account or service - Other bank product/service
Checking or savings account - Checking account
Consumer Loan - Installment loan
Consumer Loan - Personal line of credit
Credit card or prepaid card - General-purpose credit card or charge card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan
Debt collection - Payday loan debt
Debt collection - Private student loan debt
Debt collection - Rental debt
Debt collection - Telecommunications debt
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Debt settlement
Mortgage - Other type of mortgage
Payday loan -
Payday loan, title loan, or personal loan - Payday loan
Vehicle loan or lease - Lease

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Complaint ID: 7885219

Date Received: 2023-11-21

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I received a letter from a company called National Credit Systems , INC . XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/ I received a letter Demanding to pay XXXX for a debt I had never heard of. On Sunday XXXX the collector had reported this alleged debt to the credit agencies. I called them XX/XX/ on Monday because I was unable to reach anyone during the weekend to ask what the debt was for. I had no knowledge of this debt or accusation. When I finally spoke with someone she informed me that the debt was for alleged damages to an apartment I had lived in for 5 years. I moved out of the apartment in XX/XX/. Since XXXX I have had no knowledge of this debt and was not notified ever by the original creditor. I immediately requested to dispute the charge. The allegations are false. The original company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX had violated several Illinois tenant rights. I was not given enough time or notice before it was reported to the credit companies to even address or dispute the matter. I was not given an Itemized list for said damages. I had quarterly inspections on my apartment and had never had a bad report to my knowledge. As on XX/XX/ I have never even seen a report. Any issues I had with my apartment were reported in a timely fashion. I have several neighbors, witnesses, family members, and the Property manager who worked there for 30 years before she retired on stand by to write letters of the conditions of the apartment and my character. When I moved out XXXX XXXX reported to my new landlord that I was an excellent tenant. Which I have proof of and will provide written documentation of that. The company National Credit Systems was supposed to email me the dispute claim form to fill out and I have not heard from them. I have never had a collection on my credit. This is completely false and they are using this as a tactic to scam me out of money.

Company Response:

State: IL

Zip: 61920

Submitted Via: Web

Date Sent: 2023-11-21

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7884247

Date Received: 2023-11-22

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: In XX/XX/2023, I requested that the collection company, National Credit Systems, validate a debt that is reporting on my credit report that I was unaware of. The company did not provide documentation to validate the debt and the account is still reporting on my credit report. This is a violation. The company never sent me anything about this account and still has validated the account and it is now XX/XX/2023. I am including a copy of my validation request letter to National Credit Systems and proof of tracking through certified mail that shows the company received the letter on XX/XX/2023.

Company Response:

State: AL

Zip: 368XX

Submitted Via: Web

Date Sent: 2023-11-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7883694

Date Received: 2023-11-22

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I do not owe this debt. I applied to rent from the original company but NEVER met the qualifications. I did not have a co-signer, did not have enough in saving, had no rental history. I never was given nor signed a lease because I couldnt get past the application for approval because I didnt meet requirements. Months later this was placed on my credit report and I have been fighting it since 2018. I have had ZERO communication from National Credit Systems. I have sent countless emails and mailed them a Debt Validation Letter- I have received NO reply! I am now trying to purchase a home and this-the one and only blemish on my credit report, is hindering the financing approval. I am hoping the CFPB can help get this resolved

Company Response:

State: FL

Zip: 32563

Submitted Via: Web

Date Sent: 2023-11-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7876147

Date Received: 2023-11-19

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: There was an apartment I applied for called XXXX XXXX on XX/XX/2023. I paid my application fee and my move in date would have been within that same week. I never heard back from the company. I called a few times but no one ever answered the phone. When I finally got a break from my work schedule I stopped by there was someone in the office but they just sat there. No one came to open the door. So I left a XXXX review. A property manager responded. She said I was denied because they couldnt collect the application fee but I have proof it was take from my account. So as I was looking through my spam folder I see a email from National Credit Management. So a PDF read that I owed fees for an apartment that I dont leave at and never signed a lease and the reason for denial was fraudulent information which is complete defamation of my character and false. The information they submitted to National Credit Management contradicts the email correspondence. They are trying to collect a fraudulent debt. The management is upset about the honest review I made on XXXX. The email management sent said I was denied because of my application fee or NSF. I will be seeking legal action. They made a invoice with a fraudulent reason to try and justify the amount they are trying to collect. But XXXXXXXX apartment manager lied. I told them I was not interested in living there do to there lack of communication.

Company Response:

State: FL

Zip: 326XX

Submitted Via: Web

Date Sent: 2023-11-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7876122

Date Received: 2023-11-19

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: XXXX of 2021 Ive been sending National Credit Systems about a rental dispute that appeared on my credit. Ive been sending letters to National Credit Systems and to every credit agency. Their information is NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX

Company Response:

State: MD

Zip: 20720

Submitted Via: Web

Date Sent: 2023-11-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7874736

Date Received: 2023-11-20

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: Copious amounts of money were paid to this company and yet they are attempting to collect more with zero validation of debt provided to me. No evidence of validation of debt has been provided to me after multiple attempts and certified letters through USPS. ATTACHED ARE PAYMENTS MADE TO XXXX. MOVE IN XX/XX/XXXX MOVE OUT XX/XX/XXXX {$2700.00} paid {$2600.00} paid {$2600.00} paid again That is a total of {$8000.00} for XXXX months of rent when rent was only {$2600.00}. I WANT VALIDATION OF HOW THIS COMPANY IS ALLOWED TO PLACE ON MY CREDIT REPORTS AN AMOUNT EXCEEDING {$3000.00} NEARLY {$4000.00} WITHOUT ANY PROOF BEING SENT TO ME AND THE CFPB NOT OBTAINING THIS INFORMATION EITHER! I will include all parties involved in the illegal activities of not providing consumers validation of debt or due process of allowing disputes. THIS IS A DISPUTE OF DEBT

Company Response:

State: MI

Zip: 48167

Submitted Via: Web

Date Sent: 2023-11-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7872710

Date Received: 2023-11-19

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: National Credit Systems, is the company this complaint should go to. Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX, Phone XXXX. This a dispute regarding a debt I had never received information about and did not have a contact or lease with the listed original creditor named. I believe this is a fraudulent debt I was released from the lease signed with XXXX XXXX XXXX, they breached their lease contract with me. I have never signed a contract or documents with XXXX XXXX XXXX. I moved out in XX/XX/XXXX and never was contacted by XXXX XXXX XXXX again. I asked XXXX XXXX XXXX for compensation for my {$300.00} security deposit and the water damaged furniture, belongings and rug. I do have additional documents if needed. XXXX XXXX XXXX XXXX, owe me money for flooding in the apartment, mold, harassment and discrimination by employees of women over the age of XXXX and breach of the lease. The CEO XXXX XXXX never responded to my messages AND they never once sent me any letters that I owed them money. It went directly to a collections agency without me knowing until I looked at my credit score ( was over XXXX ) dip by over XXXX points because of this invalid debt that I do not owe. I have emails going back and forth for months. All documented. XXXX XXXX employees steal from residents, harass residents and the building is crime ridden with section 8 housing. XXXX people physically beat up in the elevator, women XXXX XXXX and verbally abused, cars spray painted in the supposed secure parking garage, physical threats to residents by employees all while paying my rent on time for over 1.5 years approximately {$2100.00} per month. Please see below communications from XXXX XXXX which is meThe leasing office blocked my true personal email address to claim that they never received my complaints hence me having to use a different address. **See photos below of flooding in my apartment with water cascading from the ceiling ruining my belongings, furniture whereby I had to move into a hotel with my dog because the apartment was trashed. From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Re : Notice to Vacate Document [ EXTERNAL ] Move out date- XXXX XXXX move out XXXX . XXXX, Please see revised notice to vacate document attached as explained below with a move out date of XX/XX/. I am sending this document electronically due to your leasing office 's threatening behavior during my last visit to the office to explain the water flooding from my ceiling. At this time dated on this message, I am still waiting on your response regarding the sum total of amount due upon my departure minus all of the items listed below. As of today, I have paid rent up until XX/XX/. Regards, XXXX XXXX On Monday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX . XXXX, Due to logistics in moving so quickly due to the flooding, my move out date will be the afternoon of XX/XX/XXXX. Regards, XXXX XXXX On Monday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX, Please subtract from my balance last weeks rent whereby I was not allowed or able to live in this apartment due to flooding, industrial dehumidifier, industrial loud fans, etc during the day and night. Also deduct the cost of my rug that was trashed due to the dirty water flowing from the ceiling and my 2 bar chairs that were damaged. Also include the time and punitive damages incurred by your teams continued harassment. I was told there will now be mold in the ceiling and this unit is not deemed healthy to occupy by any resident at this time today. Regards, XXXX XXXX On Friday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX, Please see my notice to vacate document attached. I just saw this attachment due to your property manager 's continued harassment, forcing me to use 2 e-mail addresses to communicate. I am sending this document electronically because the last time I was in the XXXX leasing office on Wednesday, XX/XX/XXXX, I was verbally assaulted by your Assistant Property Manager - XXXX whereby she kept screaming at me to leave. I was speaking with XXXX about the flood in my apartment the night before when XXXX came over to me and stood above me while seated, yelling at me within inches of my face. I gave notice to vacate on XX/XX/XXXX after 10 months of harassment and discrimination by your leasing office team members and concierge team. You have been on the e-mail streams during the past months and should be well aware of the facts. I initially tried to vacate on XXXXXXXX but your team said the freight elevator was booked. As explained in the many e-mails ( via my e-mail address XXXX ) in the past week, I am departing on Friday, XX/XX/XXXX at XXXX XXXX. I am paying rent up until XXXXXXXX in good faith although XXXX XXXX XXXX should " do the right thing '' and refund this month ( and/or the past few months ). Prior to moving to this mismanaged building, I lived at the Residence across the street managed by XXXX. The team there was stellar and none of the residents had any problems at that property including myself. Regards, XXXX XXXX On Friday, XX/XX/XXXX at XXXX XXXX EDT, XXXX XXXX XXXX wrote : I am moving out on Friday, XX/XX/XXXX at XXXX XXXX. With regards to communications : You and your team have harassed me for months and breached your lease over and over again. So I am requesting to never call me again or communicate except for my move out. If there is any retaliation by you and continuing on this path of not enforcing noise issues after XXXX XXXX ( quiet hours according to the lease ) allowing anyone to play pool or shuffleboard, you again will be breaching lease terms. XXXX XXXX On Friday, XX/XX/XXXX at XXXX XXXX EDT, XXXX XXXX XXXX XXXX wrote : Hello XXXX, Thank you for your email. I apologize as I am a bit confused in regards to some of the points in your email, and feel there may be some misunderstandings here. In regards to your hotel, I see below where you have said you were at the XXXX, but then go on to say that you are staying in a room that is $ XXXX/night. Did you end up staying in another hotel elsewhere? We were in fact billed for the XXXX, and their rooms are quite more than $ XXXX/night so I am just wanting to better understand the situation here. In regards to the Pet Fee, when you and I had originally spoken and I had said that we would be paying for you to stay at the XXXX, you had asked me specifically what about your dog. To which I responded that I thought your dog was a service animal ( based on a previous conversation some time ago which you and I had had where you mentioned this to me ), and you confirmed at that time that your dog was a service animal. If your dog is a service animal, then I was under the impression that a pet fee should not have been charged. Later, when XXXX was in your apartment, he had asked me again what we would be paying for in regards to your stay at The XXXX. I called him back, with you present as I could hear you in the background and he confirmed that you were there and could hear me, and I stated that we would be paying for the room/taxes only. You would be responsible for any incidentals, room service, etc. Note, I do understand that XXXX did ultimately approve to have your pet fee added to our card. In regards to your interactions with XXXX, please note that she does have witnesses in regards to her end of the conversation, and all parties have confirmed that she never cursed at you. She does acknowledge that she did raise her voice after you had called her disgusting, and for that I do apologize. No matter how anyone speaks to us, whether they are right or not, we do want to maintain our professionalism at all times and we have addressed this with her accordingly. With that being said, as had previously been discussed, it is not appropriate in any way to speak to any member of the XXXX XXXX team in a manner less than professional ( i.e. raised voice, insulting, threatening their employment, etc. ). In regards to your move out, we have agreed to let you out of your lease early at no penalty, and without a full 30 day notice. We do need the attached move out forms completed in order to submit this. We will honor your move-out date of XX/XX/XXXX once we receive the attached forms back. However, we are not able to cancel someone else 's elevator reservation so that you can use the elevator during that time slot. Just like you, that person has taken the time to schedule their movers and book the elevator, and as reservations are completed on a first come, first served basis, we are not able to prioritize any one person over the other. On XX/XX/XXXX, we have the elevator available any time after XXXX XXXX. until XXXX XXXX ( with a hard stop at XXXX XXXX. ). Additionally, we currently have availability really anytime on the XXXX or XXXX from XXXX XXXX. to XXXX XXXX. ( again with a hard stop at XXXX XXXX ). Please let me know what time frame you have rescheduled with your movers so that we can get this reserved for you. Note, we can not stop someone else from booking those times while we wait to hear back from you on this so I do very much appreciate your immediate attention to this matter. As you have made multiple comments to many members of our team in regards to a pending lawsuit, going forward, all future communication outside of regular day-to-day requests will need to go through our legal representatives. Please let me know once you have confirmed an updated time with your movers, and I will be sure to get that reservation submitted for you. XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXXXXXX | XXXX XXXXXXXX

Company Response:

State: NC

Zip: 28210

Submitted Via: Web

Date Sent: 2023-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7872357

Date Received: 2023-11-19

Issue: Took or threatened to take negative or legal action

Subissue: Collected or attempted to collect exempt funds

Consumer Complaint: they trying to say if i dont pay they will make sure it well hurt my credit score

Company Response:

State: KY

Zip: 41015

Submitted Via: Web

Date Sent: 2023-11-19

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7861646

Date Received: 2023-11-16

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: My purse including my personal information was stolen 2018, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : 1.NATLCRSYS/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).

Company Response:

State: NC

Zip: 28112

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7859527

Date Received: 2023-11-16

Issue: False statements or representation

Subissue: Indicated you were committing crime by not paying debt

Consumer Complaint: Company sent a debt collection letter with no proof of any balance statement leased payment or proof within 30 days. Contracted them for proof and they havent sent any supporting document. They have added this to my credit report.

Company Response:

State: CA

Zip: 95125

Submitted Via: Web

Date Sent: 2023-11-16

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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