Date Received: 2021-02-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: on XX/XX/2021, I sent NATIONAL CREDIT SYSTEMS , INC 2 LETTERS ( ONE TO MAIN AND CORP. OFFICES ) REGARDING THE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.IT HAS BEEN OVER 30 DAYS AND I HAVEN'T RECEIVED ANYTHING FROM THEM CONCERNING THIS INACCURATE INFORMATION. ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NATLCRSYS is claiming that I owe them {$350.00} with an Account Number : XXXX but I didn't recognize this debt. Please Remove this inaccurate collection from my report.
Company Response:
State: TX
Zip: 77047
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: i have never received any type information about this debt that i owe, never received nothing in writing, i never received anything by phone about this XXXX debt. i have paid XXXX to this agency and that was the final payment, however now on my credit report is coming back that i owe this XXXX this is wrong, this is inaccurate, this is a error, this is a mistake, and this is against the law to not accurate report on someone's credit report
Company Response:
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I have reside in XXXX XXXX for 26 years I was evicted XX/XX/2016 and left an rental balance of {$700.00} a few days later after the eviction i received an notice stating the balance was {$7900.00} stating that i destroyed that apartment in XXXX. XXXX XXXX XXXX I have live in that particular apartment for 10 years with no repairs I've talked to the manager XXXX XXXX XXXX on several occasions trying to get this issue resolved she have stated that there were a video and pictures of damages from that unit and she have not produce and evidence stating the damages happened. After a year still trying to get this resolved she stop taking my calls I reached out to XXXX XXXX corporate office XXXX XXXX XXXX XXXX she stated that the account went to XXXX Law Firm Debt Collector XXXXNational Credit Systems XXXX this account has been bounce around to several debt collectors I've disputed this debt several times and it has come back to me as my debt is continue to show current all i owe is the balance due of the rent {$700.00} the other debt is not mine I've asked for a copy of the video and pictures which XXXX XXXX the manager of XXXX XXXX can provide to me. This debt has cause me to not qualify to buy a house and also i can not rent an apartment. I would like this debt to be cleared from my credit report and
Company Response:
State: LA
Zip: 70131
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company I have no knowledge of and they keep updating stuff on my credit. I tried disputing it much times they want stop. I dont know what to do with them. Im not and I dont have the money to pay them.
Company Response:
State: FL
Zip: 33147
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received my credit report from the three bureaus and noticed a collection account that does not belong to me. The account is listed National Credit system for an amount of XXXX dollars. I disputed this debt with the credit bureaus and they claim to verify this debt but could not provide me the details as to how they were able to verify this debt. I also reached to the collection agency who reported this debt and requested what this debt is for, how did they determine the amount they said I owed, and to provide documentation as to where I agreed to pay such amount that is said that I owe. I requested this information from the collection company on XX/XX/XXXX and have not received a response. This company is in violation of the Fair Credit Practices Act and Fair debt Collection act.
Company Response:
State: TX
Zip: 77459
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XXXX I initiated a dispute with the credit bureau regarding unverfied accounts on my credit report. The credit bureau has failed to complete the investigation and furnish me with the results of the investigation. I have provided all the necessary documents to the credit bureau for them to accurately dispute the listed accounts. I am now demanding that they comply with my intial dispute letter.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-15
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: In XXXX, I moved out of an apartment complex that was owned by XXXX XXXX paid my amount due, did a video-recorded walk-through with the property manager ( everything was A-O.K.! ), turned in my keys, gave my forwarding information ( with my same telephone number they've always had ) and left. Many months later, in late XXXX, TWO collection accounts, both from National Credit Systems but for 2 different amounts, were placed on my credit report unbeknownst to me. No contact was made with me via mail nor phone re : any outstanding debts to XXXX nor National Credit Systems, because THERE WAS NO AMOUNT DUE! In addition, upon first moving into the apartment, I purchased a non-refundable surety bond so that I wouldn't have to worry about any outstanding fees or awaiting a security deposit refund much later after my move-out. The company cashed in the surety bond AND STILL put fraudulent and erroneous collection accounts on my credit profile! When I called to discuss the 100 % fraudulent charges, the rep kept repeating that she did not work for the property management company, so I would have to pay. She wanted nothing to do with resolving the fraudulent charges. In addition, XXXX has since sold the property to another company, so no one from XXXX nor National Credit Systems can speak to me about why these trumped-up charges are being steadily fraudulently verified as accurate on my credit report although I have always paid my rent in full every month and also paid in full upon my move-out with no damages or past-due amounts noted at that time nor a later date.
Company Response:
State: IL
Zip: 60030
Submitted Via: Web
Date Sent: 2021-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filled a dispute in regards to the incorrect items on my credit report. It has been well over 45 days and i havent received any investigation results.
Company Response:
State: GA
Zip: 30342
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: This company continues to report inaccurate information on my credit report. Initially, this company was reporting two separate accounts for the same apartment complex in the amounts of {$2000.00} and {$2100.00}. I disputed through the credit bureaus several times, yet they kept stating the accounts were accurate. On several occasions, I have asked this company to provide validation, not verification however, they have failed to do so. I filed a dispute with the CFPB and attached the judgment for the apartment complex they are trying to collect and they finally decided to delete one of the accounts stating it was a " duplicate '' which is completely false as the accounts they were reporting were for different amounts. I do not understand how this fraudulent company feels they can report what they want, when they want without providing accurate information. Also, the judgment that was granted for the apartment is {$970.00}, but this company is requesting {$2100.00}. It is not legal for them to override what a judge ordered. At this point, this fraudulent company needs to delete the account immediately or I will take legal action as this a violation of the FDCPA.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2021-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A