Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Been a victim of identity theft since 2015. I have been trying to clean up credit and there is one item that will not go away from NATIONAL CREDIT SYSTEM. Tried to contact the company multiple times but they said they do not have a file on me.
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National Credit Systems INC has been sending me collection notices in the amount of {$4900.00}. This balance has been reported as a past due balance. I do not know this company. I have never done business with this company. This company does not have a contact with my signature.
Company Response:
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2021 National Credit Systems , Inc sent me a letter claiming that I owe an " alleged '' debt. Scanning over the letter, I noticed National Credit Systems , Inc violated many of my federally protected consumer rights. 15 USC 1692c ( a ) states " without prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt. '' I have never given written consent nor gave permission for National Credit Systems to communicate with me in connection with an " alleged '' debt. No consent equates to Identity Theft. I have since replied with a letter to cease and desist all communication with me pursuant to 15 USC 1692c ( c ) and to pay attached invoice.
Company Response:
State: IN
Zip: 46229
Submitted Via: Web
Date Sent: 2021-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XX/XX/2021, I sent a letter to National Credit Systems demanding that they validate an alleged debt that they placed on my credit reports. I received a letter back from them dated XX/XX/2021 with documents that did not validate the alleged debt and proving that they own the debt. On XX/XX/2021, I sent them a follow up letter to provide me with said documents, yet they still did not provide them to me. Account number : XXXX*** Amount : {$420.00}
Company Response:
State: NC
Zip: 28314
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have received the initial call from " XXXX '' who is an employee with National Credit Systems , INC at XXXX XXXX XXXX GA XXXX, back in XXXX. This was the very first call and/or notification of said debt, and I asked him to please send me an invoice, so that I can review and pay. He said to me : " Well I advise you pay it or its going on your credit report! '' and hung up on me. The second call to verify that the bill was paid, was placed by me on XX/XX/2021 at around XXXX EST, and I asked him again to verify if the bill was paid, because this never shouldve been sent to collecitons, again, he said : " Well Im not here to debate this with you, and you should call back when you are ready to handle this! '' I am shocked and appalled by the lack of professionalism and utter disrespect that this " XXXX '' person has displayed. The NCS account number for this debt is listed as : XXXX, under my name, XXXX XXXX.
Company Response:
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2021-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have received the initial call from " XXXX '' who is an employee with National Credit Systems , INC at XXXX XXXX XXXX GA XXXX, back in XXXX. This was the very first call and/or notification of said debt, and I asked him to please send me an invoice, so that I can review and pay. He said to me : " Well I advise you pay it or its going on your credit report! '' and hung up on me. The second call to verify that the bill was paid, was placed by me on XX/XX/2021 at around XXXX EST, and I asked him again to verify if the bill was paid, because this never shouldve been sent to collecitons, again, he said : " Well Im not here to debate this with you, and you should call back when you are ready to handle this! '' I am shocked and appalled by the lack of professionalism and utter disrespect that this " XXXX '' person has displayed. The NCS account number for this debt is listed as : XXXX, under my name, XXXX XXXX.
Company Response:
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2021-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: NATIONAL CREDIT SYSTEMS is trying to collect debt that was not legally owed to the original company. Rent was legally withheld under Florida law Sections 83.56 and 83.60, Florida Statutes. A manager from XXXX even signed the document on XX/XX/2020. The company never followed up or did required repairs or control of pests. The Debt was not owed and the attempted eviction was withdrawn. We have the documents as well as a case number from code enforcement.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-23
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: I am filing a complaint against the reporting agencies and national credit systems ( NATLCRSYS ). They reported on my credit that I owe {$1900.00} or {$1900.00} and I've asked for explanation, in writing, of why I owe this amount, with proof and summary. I haven't gotten any response with those details but they're putting it on my credit as collection.
Company Response:
State: FL
Zip: 33179
Submitted Via: Web
Date Sent: 2021-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: National credit systems is a third party collection agency, that have information illegally of mine, any one on can obtain information of a person Im not obligated in any way or form Show proof that Im obligated in writing that I bind to pay you National credit systems
Company Response:
State: IL
Zip: 60490
Submitted Via: Web
Date Sent: 2021-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-09-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I was a resident at the community regency gates From XXXX. I was not in a lease and I was paying month to month, I left the community in XX/XX/2018. Shortly months later in XX/XX/XXXX I get an alert from merchant adjuster out of XXXX stating I had a balance from my former apartment complex. I then called the apartment complex within the second week of XXXX and spoke with someone by the name of XXXX I believe. I asked why was I being charged these fees? She advised me it was for the time it took them to find an occupant for my apartment. I then advised her how was that so when I wasnt in a lease? I advised XXXX that the prior manager XXXX ( who is no longer employed there ) told me that I would not need to submit any notice prior to moving out due to me being month to month and not in a lease. I advised XXXX this was told to me verbally over a phone call in early spring of XX/XX/XXXX. I was not evicted, I was not let out of anything. I simply saw a new community that I wanted to live in and moved. This issue seems to come from the community itself and their miscommunication. The problem is that I moved out in the middle of a management swop and something had to be handled improperly. Over the past 2 years almost 3 I have sent in many disputes to the current collection agency as to this account being false and still to this day as I write this misinformation still stands. I am trying to by a home for me and a XXXX XXXX child and this account is not ok to have on my credit and is completely false. I need this fixed and rectified quickly and swiftly.
Company Response:
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2021-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A