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: 7824770

Date Received: 2023-11-08

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I do not owe money to this company. I never conducted business with this company, or a rental property associated with them.

Company Response:

State: GA

Zip: 30092

Submitted Via: Web

Date Sent: 2023-11-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7824545

Date Received: 2023-11-08

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I have contacted national credit systems on multiple occasions stating that the debt is not mines I have now filed a police report. this debt needs to be removed you guys also have invalid informations such as different balances and social security numbers and address. I WILL NOW BE REQUESTING LEGAL COUNSEL. Because you guys have failed to do a through verification validating the debt. You claimed you sent information I never got it. I was XXXX at the time and I will provide documentation.

Company Response:

State: GA

Zip: 30263

Submitted Via: Web

Date Sent: 2023-11-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7818773

Date Received: 2023-11-08

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: I called the collections agency which is named national credit systems my name is spelled incorrectly according to the landlord. My name should be written as XXXX XXXX XXXX on my paper work. I've also requested paper work from the collections agency and never recived it

Company Response:

State: GA

Zip: 30058

Submitted Via: Web

Date Sent: 2023-11-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7816721

Date Received: 2023-11-07

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: Collection account from NATLCRSYS with account # XXXX and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX. I have not given permission to access my credit profile, and you have no permissible purpose to furnish my personal information to any third party. 15USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORT 1. In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates. As a consumer, I am demanding a deletion of the following account NATLCRSYS Sincerely, XXXX XXXX

Company Response:

State: GA

Zip: 30019

Submitted Via: Web

Date Sent: 2023-11-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7812262

Date Received: 2023-11-08

Issue: Electronic communications

Subissue: Frequent or repeated messages

Consumer Complaint: They are charging me 4 times more than the bill was that XXXX XXXX sent me before I was evicted from the apartment

Company Response:

State: NC

Zip: 28208

Submitted Via: Web

Date Sent: 2023-11-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7811748

Date Received: 2023-11-06

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: I received an email from a credit monitoring company that a major derogatory was placed on my credit reports. The derogatory was for a stranger, different first name, different last name. I called the collection agency on XX/XX/XXXX and was told that I owed money to an apartment complex in XXXX, TX. I tried to explain that they had the wrong person, was told repeatedly that the debtor used my SSN and date of birth to rent the apartment, they had no answer on why the name was different from my name. The woman I spoke to asked if my identity was stolen, I said it must have been if the debtor used my SSN and date of birth, she emailed me an identity theft affidavit, told me to file a police report, which I did. I researched the XXXX eviction database and called the original creditor and learned that the debtor did NOT use my identity. The collection agency lied to me about that. The collection agency has admitted that they put the collection on the wrong person 's credit report, but did not address my statement that they lied about whose information was used for the rental. I wasted hours of my time, wasted police resources to file a police report that was not needed, have suffered XXXX and XXXX XXXX from the stress. The collection agency lied to me about the debtor using my identity, and they did not exercise reasonable care when they randomly picked my credit report to post the collection derogatory. Different names, different SSNs, different ages, different states of residence. There is no excuse for lying to collect a debt, and I believe some type of due diligence should be exercised before randomly " picking '' a credit report.

Company Response:

State: CA

Zip: 94553

Submitted Via: Web

Date Sent: 2023-11-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7810108

Date Received: 2023-11-07

Issue: Problem with a company's investigation into an existing problem

Subissue: Was not notified of investigation status or results

Consumer Complaint: After I received something in the mail that informed me about a debt I was being asked to pay. After calling the number provided on the notice, I disputed things. When they sent me the verification they had, it was different than what I had been received from my previous property manager ( the creditor ). After speaking with XXXX XXXX, they asked me to send them what I had showing I did not owe anything. I sent them what I had, that included the more detailed itemized list of what the creditor is wrongfully attempting to collect, as well as a stipulated agreement signed by the courts that states clearly that I would not be held responsible for certain things that is what Im being now billed for. I did recently realize that the date shown as the date that I allegedly moved out by is not correct. The creditor put down that I moved out on the XXXX of XXXX. I actually moved out by the XXXX of XXXX. If I had stayed past the agreed move out date then I assume that something would have been filed with the courts or the sheriffs would have been contacted to remove me. Nothing of the sort ever happened because I was out by the date I agreed to be out by.

Company Response:

State: OR

Zip: 978XX

Submitted Via: Web

Date Sent: 2023-11-07

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7807647

Date Received: 2023-11-06

Issue: Took or threatened to take negative or legal action

Subissue: Threatened or suggested your credit would be damaged

Consumer Complaint: XXXX at XXXX XXXX in XXXX, Georgia, owned by XXXX XXXX, is attempting to extort me for illegal move out fees. They declared I owed {$680.00} in move out fees that will be sent to National Credit Systems if I don't pay in 30 days. They are trying to charge me for normal wear and tear for carpet, blinds, and a drip pan, which is illegal under Georgia Law. They are trying to charge me for rental income I already paid, also illegal. They illegally changed the signed move out date from XX/XX/XXXX to XX/XX/XXXX, then to XX/XX/XXXX. They illegally declared that depreciation on their carpet is 8 years when federal law dictates 5 years for tack down carpet and XXXX years for glued down carpet. They sent the notice 4 days after XX/XX/XXXX, when Georgia laws requires it to be sent within 3 days.

Company Response:

State: SC

Zip: 29170

Submitted Via: Web

Date Sent: 2023-11-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7806444

Date Received: 2023-11-06

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: The entire month XXXX and XX/XX/2023 I have been communicating with National Credit Systems. I have sent an Identify theft report, affiliated, police records. I have done everything that was asked in order to remove the Dept and in the end they told me the owners of the apartment community ask them to proceed with the Dept. The apartment isn't even in my name and they said I was the guarantor. I asked for document showing where I agreed to be a guarantor and they can't provide. the dept is {$10000.00}. Also the other apartment was showed that I owed {$3900.00} which I presented the court documents stating : Landlord agree to dismiss money judgment without prejudice. I have all the documents.

Company Response:

State: GA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-11-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7806204

Date Received: 2023-11-06

Issue: Problem with a company's investigation into an existing problem

Subissue: Investigation took more than 30 days

Consumer Complaint: This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior

Company Response:

State: TX

Zip: 77346

Submitted Via: Web

Date Sent: 2023-11-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.