Date Received: 2021-06-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NATIONAL CREDIT SYSTEMS is in violation of 46 of the FDCPA Laws as you can see in Exhibit A, B, and C. Also they are in violation due to a phone call I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond. Today is XX/XX/2021 and we are now past the 30 days and I have not received anything from NATIONAL CREDIT SYSTEMS. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false. NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$46000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX
Company Response:
State: TX
Zip: 78754
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I wanted to know are you the owner of the original debt? Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Company Response:
State: TN
Zip: 380XX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Are you the owner of the original debt?
Company Response:
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For several months, I have disputed this creditor XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$3000.00} I have sent letters to XXXX and neither parties have responded to these disputes. I sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XXXX about the Validation of this account. I am requesting for XXXX XXXX XXXX XXXX XXXX to delete this account off of my XXXX report. It is not my debt and this creditor hasn't send any documents validating that this debt is mine.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: For several months, I have disputed this creditor XXXX XXXX XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX XXXX {$3000.00} I have sent letters to XXXX and neither parties have responded to these disputes. I sent letters XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX to XXXX about the Validation of this account. I am requesting for XXXX XXXX XXXX XXXX XXXX to delete this account off of my XXXX report. It is not my debt and this creditor hasn't send any documents validating that this debt is mine.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I moved in 2015, then I was automatically placed in collections, which I paid. I was never notified of the ability to dispute the debt and never given an opportunity to have the debt validated by the company. Now it is a paid collection account impacting my credit adversely. I have tried to dispute the debt, and haven't received any response from the company.
Company Response:
State: GA
Zip: 30519
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2021-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems is attempting to collect XXXX when the amount owed is {$90.00}. Ive contacted them several times with the most recent being XX/XX/21.
Company Response:
State: NC
Zip: 28269
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: No debt due as there was no services provided. Apartment charged for Security Deposit but never lived at the property or signed a lease, attempted to dispute with debt collector but they refuse to release me after giving evidence.
Company Response:
State: FL
Zip: 32207
Submitted Via: Web
Date Sent: 2021-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: National Credit Systems Inc is reporting a debt that was paid in full on XXXX2021 in the amount of {$1500.00} yet they continue to report this item as unresolved. Pursuant to the FCRA the FDCPA and the FCBA ... .this is in violation of several federal laws
Company Response:
State: SC
Zip: 29708
Submitted Via: Web
Date Sent: 2021-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A