Date Received: 2023-11-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: A letter dated XX/XX/23 stated that National Credit Systems was attempting to collect a balance I allegedly owed ( I received no prior notice from the creditor ). I sent a letter back, as well as submitted a request online for itemized charges, which I received on XX/XX/23 via email. I replied to the email with supporting documents showing the balance owed was incorrect, and that I owed {$1.00}, not {$130.00}. After no initial response, I submitted the documents via mail on XX/XX/23, to which I have not yet received a response. 8 days later, the collections account is on my credit report.
Company Response:
State: TX
Zip: 77040
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2023 : I received a call from National Credit Systems regarding a loan amount of {$9100.00}. to secure an apartment in XXXX, Michigan. The apartment is : XXXX XXXX XXXX West XXXX XXXX XXXX XXXX XXXX, MI XXXX This is a clear example of identity theft. I live and own my home in XXXX, NJ. I advised the debt collector that I did not open up this account, nor do I live or ever lived in XXXX, MI. I recently made another call to the National Credit Systems collection company stating again, a fraudelent account obtained by identity theft. The woman advised me to file this claim via FTC.Gov. She also advised me to file a claim at my local Police Department in XXXX, NJ. I have notified all XXXX credit reporting companies as well. I would like to have this case investigated. I have not been in contact with the apartment manager on the premises as I dont want to scare the perpetrator away or go underground. This collection is adversely affecting my credit rating. Please help. jThis loan was taken out using my name and credentials. I have been a victim of identity theft in the past ( XXXX ). Subsequently, I have been signed up with credti protection with XXXX and XXXX. Neither had reported this to me, until very recently, much after XXXXXXXX XXXX when the loan became due and delinquent.
Company Response:
State: NJ
Zip: 074XX
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Communication tactics
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: Nation Credit Systems is continuing to communicate negative information regarding a debt I do not owe them. The company has furnished the inaccurate information to credit reporting agencies and has damaged my credit reputation. I have notified the company to cease all communication on several instances but the company has continued to report the information with no authority or consent. Please see attached.
Company Response:
State: GA
Zip: 30331
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: The apartment had problems and they deliberately did not repair the apartment, and because of this negligence, I suffered silver losses. If they were honest, they would not have abandoned the eviction lawsuit they filed against me. I'm careful about my reputation on record or credit report history. They used my XXXX supplies and prevented me from using XXXX. They failed to promise to the lease
Company Response:
State: ND
Zip: 58801
Submitted Via: Web
Date Sent: 2023-11-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems inc. account XXXX Attempting to collect {$2100.00} which is {$1000.00} more than what is owed plus its not my account!!! XXXX XXXX
Company Response:
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2023-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: At XXXX, a friend and I secured an apartment online on XX/XX/XXXX in XXXX, CA. Feeling pressured during the phone conversation with the apartment representative, I hastily signed a lease without a clear understanding of the terms online, as it was my first rental experience. Surprisingly, I never physically visited the apartment despite the necessity of a Guarantor ( my mom ), who, in the end, NEVER signed the lease agreement and it says JOINT. ( SCAM ) In an attempt to cancel the lease due to negative XXXX reviews and the absence of a co-signer, The XXXX XXXX acknowledged the cancellation and ceased further communication. I did not hear from them. After graduating and seeking a new place to live, I faced denial. To my astonishment, an {$8800.00} debt appeared on our ( mom and I ) credit report, sent to collections by XXXX without any notification. On XX/XX/XXXX again, I reached out to the creditor with specific requests : The original contract bearing my and my moms signature. Confirmation of debt ownership. Details of the original creditor : name, address, and phone number. ( Account # XXXX, XXXX Account XXXX XXXX ) Regrettably, the creditor did not respond to my inquiry. They have destroyed my credit ; I cant even get a credit card. My mom didn't sign anything. Many other people on XXXX have reported same dispute for XXXX XXXX XXXX. Scam students to signing and then the apartment not cancelling and the lease and collecting money. Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Joint Date opened XX/XX/XXXX Status Collection account. {$8.00}, XXXX
Company Response:
State: CA
Zip: 94555
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-12
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: National credit systems contacted me about couple of years ago and said I was owing {$900.00}. I explained to them I was not. And this {$900.00} had been put on my account by XXXX XXXX which is the company XXXX XXXX is under. Now they used XXXX XXXX instead of XXXX XXXX when it had been proven I dont owe any money to them This has affected my credit report and its very sickening. It should be deleted for all 3 credit report agencies.
Company Response:
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2023-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-11
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Late XXXX I found out my former landlord ( XXXX XXXX ) sent a balance to collections to National credit Systems. XXXX did not follow MI law pursuant MCL XXXX and take me to small claims to recover " damages ''. In turn took them to court as well as counter-sued. The court ruled that I did not have to pay XXXX XXXX anything but stated they could not award me damages either. XXXX was supposed to notify the collections agency and didn't. I notified them and sent them the court judgment. They, however failed to remove the collections, which has had a negative impact on my credit since the ruling in XXXX of XXXX. Pursuant 15 U.S. Code 1681i National Credit Systems had 30 days to investigate and let me know their determination, which they did not. Ove called almost 4 times a week to reach the rep in charge of my account and sheer, XXXX XXXX, has failed to return my voicemails and emails and has not called me back. Every time I call she is conveniently on lunch or another short break. The court judgement is attached to this complaint as well
Company Response:
State: MI
Zip: 490XX
Submitted Via: Web
Date Sent: 2023-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: So, this account is showing as in collection when it was paid in full years ago and it's showing as if it's in bad standing when they told me it would show in good standing. I was also told once paid it would be removed from my credit report and it would be removed from XXXX XXXX credit report also.
Company Response:
State: MI
Zip: 485XX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I contacted this company after seeing if show up on my credit report! I told the company Ive never dealt with this company or the original company. The customer service did not give me any information and said the debt was mine, but couldnt give me information on the debt.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A