Date Received: 2021-05-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems is reporting a debt that is fraudulent. The company has been provided with a police report and FTC affidavit. I have asked them to send all the proof of said debt. " debt validation " according to the FDCPA. In addition then continued to contact me and hinder my credit without providing the requested information. The original debt company has confirmed Fraud and that I was NOT the person that created the debt. However National credit Systems continues to reporting Bogus information to my credit r When they were to remove, change or validate the debt with the credit bureau .. National Credit systems added {$1.00} to the debt. These practices are unethical and should not be allowed to continue. I have all of the required Fraud documentation. In addition, I was told that I need to provided copies of my governmental IDs. The collections agencies can use anything provided to them to attempt to collect a debt whether it is valid, and or fraud.. WHY would I oblige that request as this is already FRAUD.
Company Response:
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2021-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The final statement I received from XXXX indicated I did not owe a balance and a refund would be sent to me for my security deposit. I never received the refund and I was never notified that they changed the statement and indicated I broke my lease so now I owed them. The regional manager called me and told me I had to move out because I left a negative review of the property on XXXX XXXX. I agreed to move out per their request and paid all final bills. Here is our communication via email below. From : XXXX XX/XX/XXXX XXXX XXXX XXXX sent to me via email ) You have received a notice to vacate on your door as of today. We are requesting that you do move. After reviewing your posts on XXXX XXXX again yesterday, you are impacting the privacy of other residents and disrupting our business by trying to create a protest of nonpayment of rent. These are terms of your contract, that you have now violated. You are now in breach of your contract and we have decided as an organization, after two attempts of trying to discuss this matter, to now exercise our rights as the Landlord. We are requesting possession within 7 days or eviction proceeding will follow. Please let me know should you have additional questions. Thank you, XXXX XXXX XXXX Regional XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX My response to above email ( XX/XX/XXXX XXXX XXXX XXXX That's perfectly fine. I have yet to receive the notice personally, however my neighbor did retrieve the notice per my request. She stated that it says I must vacate by XX/XX/XXXX, that's not 7 days? Also what payments must be rendered that they are referring to? Please help me understand the differences in me vacating in 7 days vs. the 30 days required in an eviction? If I vacate within the days allotted what will be reported on my rental history an eviction or just the closure of the lease? XXXX response to my above email XX/XX/XXXX XXXX XXXX XXXX XXXX It will just be the closure and not an eviction, if you move before we have to file. I will gladly work with you on timeline on moving. However, communication will be key. Please let me know the date in which you will be able to surrender keys and I will let the team know. Thank you XXXX XXXX XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX My response to above email XX/XX/XXXX XXXX XXXX Great thank you so much. We truly will need about 3 weeks to relocate due to my children being in school and having to locate and lock in a new place. Im willing to pay this final months rent in full that's due today if we're given 3 weeks from today to vacate. Since this will serve as our lease ending will we receive our deposit back in the amount of {$650.00}? XXXX response to my above email XXXX XXXX XXXXXXXX XXXX I will agree to these terms, as long as no additional post to XXXX XXXX or disruption to business occurs. In the event this happens, eviction will be filed and we will move forward with proceedings. Thank you XXXX XXXX XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX Email sent from XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Final account statement - Revised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX TX XXXX Final account statement - Revised Ledger Account at move-out WelcomeHome ACH payment -- XXXX XXXX XX/XX/XXXX ( XXXX ) Balance at move-out ( XXXX ) * See the itemized charges for a complete listing of the work. Deposit Activities Move Payments to Deposit Ledge ( XXXX ) Move Payments to Deposit Ledge ( XXXX ) Total Deposits on hand ( XXXX ) Additional charges/credits/payments after move-out Full Housekeeping XXXX. XXXX Full Paint XXXX sq. XXXX XXXX Total additional charges / credits / payments XXXX Final Account balance Balance at move-out ( XXXX ) Total Deposits ( XXXX ) Total additional charges / credits / payments XXXX Account balance - refund due ( XXXX ) XXXX Prepared Date XX/XX/XXXX XXXX XXXX, XXXX Pay to XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX - Unit XXXX Move-in XX/XX/XXXX Notice given Lease expires XX/XX/XXXX Move-out XX/XX/XXXX Thank you so much for staying with us. We hope that you`ve enjoyed your residency as much as we`ve enjoyed having you here. Your refund check will be mailed to the forwarding address given to the management office. If you have any questions, please feel free to contact the management office. Thank you. This was the last correspondence I received from XXXX although I never received a refund for the amount they indicated.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I tried to reach out to national credit system to work out payment and also validate the death and send me any information on the account which they did not I have no contract with this company and they do not have any signatures finding any agreements with myself and them which I do not owe this money to they keep reporting is negatively monthly on my report sandwich in XXXX XXXX Ive asked to delete it and they refuse and did not validate anything when I ask for something sent to me in writing.
Company Response:
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2021-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XX/XX/2021 National Credit Systems on behalf of my former landlord, XXXX XXXX, XXXX, placed collection on my credit report for {$21000.00}. NCS acct XXXX Prior to this I submitted a dispute to NCS for the amount charged and being collected with explanation. NCS stated the information was insufficient to validate, dispute or revise their records. The dispute included Federal, XXXX and local statutes, executive orders which were in place that prohibited any eviction. My response also stated that we vacated the property, at the XXXXXXXX XXXX XXXX XXXX XXXX listed a named individual and referencing email ) on XX/XX/2021 and that the charges listed by the landlord were billed through XX/XX/2021. This also is evidenced on the eviction order. A dispute and response was filed with the district court within 1 day of notice and stamped by the clerk. No hearing was held, no state, local or federal statute was followed whereby a hearing should take place under my rights, nor has the landlord, its lawyers, or NCS provided me with the required tennet information in writing, outlining the protections that were and remain in place for tennents on the same day the eviction was filed. This is a XXXX law. Te landlord charges list late fees which are also banned under the Federal, Executive Order by Florida XXXX and CDC moratorium which are invalid. A XXXX hardship form had been supplied to the landlord months in advance of eviction filing and is on record. Gate passes were charged as not being returned when maintenance staff were told where they were in the unit in the main entry table. The XXXX and Eviction Moratorium also states that misleading statements about this order used to collect a debt or rent is a breach of Federal law. No charges should have accrued past XX/XX/2021 yet they are listed and charged through XX/XX/2021. No itemized water, sewer or cable charges have been supplied to me. Any rate could be listed and the calculations remain unseen to validate them. The landlord stated that they never intended for eviction to occur as they were seeking funds from XXXX XXXX Cares which were approved and due to be disbursed on XX/XX/2021, per XXXX XXXXXXXX XXXX. This is evidenced in emails from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX who had to withdraw the funding as it had already been allocated and was being sent to XXXX. XXXX has not shown any evidence that they did or did not receive funds from XXXX XXXX XXXX or their correspondence to such.
Company Response:
State: FL
Zip: 349XX
Submitted Via: Web
Date Sent: 2021-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-06
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This collection appeared on my credit reports, I sent validation letters and never received validation, I have disputed it yet they say it's validated, I have no knowledge of this account and I am very dissatisfied that they have not validated it, nor do they seem to care that they are damaging my credit.
Company Response:
State: MO
Zip: 657XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I never lived at XXXX XXXX apartments my XXXX ex husband used my information to get an apartment. I do not owe this debt I need to have it removed from my credit report.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I lived in these apartments for over 3 years. I notified them that due to repeated robberies & my apartment being broken into, and also their failure to make adequate repairs that I was moving at the end of my lease. They contacted me about rent after I moved out & after they received the 30 day notice at the end of my lease. They didn't dispute this when talked with them directly. They sent me no notice of any debt and just sent it straight to a collection agency and put it on my credit reports. This information is not correct, I owe them nothing and trying to have the know collections agency removed this has gotten no where. The only verification they sent was regarding the lease, which shows I moved out at the end of the lease, so do not owe rent. Rent was paid thru the last month.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I moved to XXXX XXXX with a transfer to a new job location. Covid19 came and I have been out of work since. I have not been looking for work consistently and I need my credit to be in decent standing for the jobs I am applying for.
Company Response:
State: NV
Zip: 89119
Submitted Via: Web
Date Sent: 2021-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National credit systems inc. Based out of XXXX Ga. Has stated, and put on my credit report that I owe XXXX for breaking a lease at XXXX XXXX XXXX XXXX XXXX apartments XXXX. The problem with that is ... I never lived there.. My son lived there.. He is a XXXX. I've tried to resolve this with National credit systems on several occasions. They know that they can not produce a contract signed by me with this apartment complex, so they keep dodging and side stepping, in hopes that I will pay them to go away. Here 's the kicker.. They were on my son 's credit report as well.. I don't know how they got my ssn. But they did.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2021-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-30
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: I filed for Bankruptcy in XXXX and included XXXX XXXX in the Bankruptcy which was discharged in XXXX of XXXX. XXXX XXXX XXXX reported as negative credit in XXXX and Sold it to National Credit Services, Which was sold again to a law firm. I have disputed this at least twice and the results were customer disagrees
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2021-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A