Date Received: 2021-01-08
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: In XXXX, the company know as National credit systems received a copy of an FTC report filed that included the company XXXX XXXX for XXXX the XX/XX/XXXX whom is their client. The information was not deleted ands when I spoke with the debt collector, I was told that they would not be deleting the debt and they had received the FTC report. In XX/XX/XXXX, I filed a second FTC report for this same account. I have also sent a letter to the debt collector stating that they would be sued. I have yet to receive any letter stating that the debt has been deleted. I am not sure of the amount that is being collected on. The debt collector has certified that they have received both reports and still nothing. This company is on the track of being sued by myself for distress and my rights.
Company Response:
State: GA
Zip: 30340
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is a follow up complaint to what I submitted on Monday, XX/XX/XXXX against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Ph : ( XXXX ) XXXX. Myself and my mother called dozens of times on Monday because their faulty system took double payment from us. See other complaint on account # XXXX for details. I was told by XXXX ( alleged manager ) that he would forward my information to processing and that I would be refunded by today XX/XX/21. As of XXXX, I have not been refunded for the extra {$710.00} that was taken from my checking account without authorization. I was told on XX/XX/21 that they would reverse this extra payment and that the processing lady " catches these mistakes '' right away. Both the authorized payment of XXXX and unauthorized amount of {$710.00} were posted to my XXXX XXXX account, meaning they processed both. I called today several more times. I left a message with supervisor XXXX XXXX at approximately XXXX, and as of XXXX, has not responded to my request for contact. XXXX, another alleged supervisor, said that he would have to send my request to processing ( again ) because he couldn't see that she did not refund what was owed to me. At this point, their behavior has turned criminal. They processed {$710.00} that I did not owe or authorize, have had several days to process the refund, and have ignored all my requests for contact. They also processed the unauthorized amount of {$710.00} instead of reversing the charge. This company is engaging in fraudulent behavior and stealing unauthorized payments. I want this money refunded to me. I would also like to be reimbursed for all the overdraft and late fees I've incurred as a result of this criminal behavior. To date, I have incurred two overdraft fees totaling {$39.00} each from XXXX XXXX, that would have otherwise been covered if not for their stealing an extra payment from me.
Company Response:
State: FL
Zip: 33584
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have a National Credit XXXX for XXXX that isnt my debt, and it is hurting my credit. It is only with XXXX, but XXXX hasnt removed it through disputes, and the company doesnt provide proof.
Company Response:
State: TX
Zip: 78209
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: National Credit Systems is a third party debt collector that have been reporting incorrect information to my credit history as well as harassing me. They stole my information they claim they purchased without my consent and knowledge and started trying to collect a debt that does not exists. I have reported on numerous occasions that they are acting illegally but they claim they are justified because they are a third party debt collector. I do not owe any debt furthermore did not authorize to be contacted in anyway with this company. They have not provided any documentation, proof etc to prove their claims are legit. All they can provide is a contract they have with the creditor and not with me. I did not authorize my information to be sold to a third party debt collector. I do not owe any debt. I do not agree or consent to being harassed by a company I have no relation with or knowledge of. That is against the law. This company can not provide any documentation from XX/XX/XXXXthat proves any liability or debt except for a receipt they may have gotten. Furthermore my signature authorizing any of this have not been provided to this company. For all I know this company stole my information and have been harassing me. I want it to stop. I want National Credit Systems to drop from my credit report as well.
Company Response:
State: CA
Zip: 92114
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-02
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX I co-signed for an apartment for my daughter and son in law. In XX/XX/XXXX they renewed their lease and while my name was on the lease, I did NOT sign the lease for XXXX. My daughter signed my name. The management XXXX XXXX XXXX at the apartment complex were notified and had another lease corrected so my name would be taken off. They know I didnt sign this lease. In XX/XX/XXXX my daughter and her husband were evicted because they both lost jobs due to covid. This is not my responsibility and the management of the apartment complex have acknowledged it wasnt my signature or responsibility yet its on my credit report. Ive disputed this and its been verified as correct. Its not correct.
Company Response:
State: GA
Zip: 31406
Submitted Via: Web
Date Sent: 2021-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: National Credit Systems PARKED a bill that I paid XXXX in full per settlement agreement amount XX/XX/2020, on all 3 credit bureaus. I have reported to your department as well as FTC with the transaction from my bank account. However, I was unjustly served. So today XXXX, Im going to provide I did pay this bill in full with the statement letter enclosed with paid in full terms and the confirmation number. I demand my rights to correct Credit reports be upheld. Please have this item removed immediately from my all 3 credit reports.
Company Response:
State: TX
Zip: 763XX
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: The bankruptcy case is XXXX filed on XX/XX/2020. XXXX XXXX is listed in that bankruptcy and received notice by letter that this amount was included in the bankruptcy. In addition they gave approval for me to vacate early due to a cockroach infestation. I did not receive any communication prior to this being added to my credit so that I could dispute it. It was added to my credit as if incurred in XX/XX/2020 when I moved out before XX/XX/2020 and it was added to my bankruptcy when filed on XX/XX/2020. At that time this debt was no where on my credit bureau reports. However now it is on all my credit bureau reports in violation of fair credit reporting requirements for persons who filed for bankruptcy and where the entity owed was notified of the bankruptcy prior to credit reporting. I have attached some communication. I had already told XXXX from the beginning of XX/XX/2020 I would move out. He was waiting on the approval from the Corporate office, which he received and sent an email. The Property Manager of XXXX XXXX had also sent me an email captioned move out statement in which the total was miscalculated. XXXX XXXX was well aware of my bankruptcy before submitting this to a collection agency and also intentionally submitted erroneous information to the credit bureaus.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Moved out of rental and let XXXX know XXXX of XXXX of XXXX. Rental was turned over on XX/XX/XXXX. XXXX with XXXX said all was good, I didnt owe any . They kept all of my security deposit and I professionally cleaned the home prior to moving. Was not contacted by them via email, mail or phone call stating I owed any $ for the last 2 weeks. My rental agreement was up XX/XX/XXXX. I did not renew due to Covid. I was contacted by phone call on XX/XX/XXXX by collection agency XXXX XXXX XXXX saying I owed {$1000.00}. She said if I didnt pay they will just report me and damage my credit. I told her I was never notified by anyone saying I owed any . I contacted XX/XX/XXXX via email and XXXX said I did not owe anything and to ignore. I called agency back and left message telling them what XXXX said and to call me and contact XX/XX/XXXX directly. Weeks later I got an alert saying my credit dropped and it was put on report. I cant get an answer or call back to talk with anyone with XXXX. If I owed any . I cant get an answer from anyone and I dont believe debt is valid. I would have paid if XXXX told me I owed which he didnt. It would have only been for two weeks- not a full month of I did owe.
Company Response:
State: IA
Zip: 527XX
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no idea whose account this is! I do no not remember owning this particular account! Ive already asked the creditors to send me signed documents that signify ownership of this account but they still have not responded yet.
Company Response:
State: TX
Zip: 75002
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-01
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Send them numerous letters to show proof that I owe the amount being reported, but they have refused to provide proof since XX/XX/2020 2020
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2021-01-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A