Date Received: 2020-09-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) located in XXXX, NY reported me to National Credit Systems, a collections agency on XX/XX/XXXX for {$3200.00}. Our dispute originated on XX/XX/XXXX when I moved out from my apartment 10 months early from a year lease. At issue is my recruitment of replacement tenants who qualified and were approved by XXXX XXXX XXXX to move in and signed a new year lease with XXXX XXXX XXXX, that XXXX XXXX XXXX refuses to acknowledge. In discussions I had with XXXX XXXX XXXX office personnel, they indicated that if I found qualified replacement tenants, then they would let me out of my lease agreement. Otherwise, I would owe them {$2500.00} for a break lease fee. I advertised and located an interested party and directed them to XXXX XXXX XXXX. The office showed the couple my 1-bedroom apartment. Then they also showed them a more expensive 2-bedroom as well, which the couple chose. XXXX XXXX XXXX is claiming that since the couple did not choose my apartment, I am not entitled to relief from the break lease fee. They instead offered a {$250.00} " referral credit ''. But, there was no mention of this credit type before I directed the interested couple their way. XXXX XXXX XXXX benefitted from my recruitment of new tenants to their business. They also benefitted from the 2 months of rent that I paid them. In a move obviously motivated by greed, they chose to ignore my efforts that helped them. In addition, they never returned my {$300.00} deposit, even though I left the apartment in better condition than it was in when I moved in. I also feel their alternate offer of a much reduced {$250.00} referral credit is " bait and switch '' tactics. Because I would not settle for their lesser offer, they turned me over to collections to deliberately hurt my credit and reputation.
Company Response:
State: NY
Zip: 136XX
Submitted Via: Web
Date Sent: 2020-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have never received any notice from National Credit Systems regarding this debt. On XX/XX/2020 I sent them a request for a " VALIDATION OF DEBT '' letter ( copies attached ) and they received the item on XX/XX/2020. ( tracking info attached ) and to date have received nothing from this company. They continue to report this item on all 3 of my credit reports. Under the FDCRA while this item is being disputed it either needs to be removed or marked in Dispute. This business currently has nearly 2627 complaints and going up, filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 415 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests.
Company Response:
State: OH
Zip: 43613
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I do not have a contract with NATIONAL CREDIT SYSTEMS INC. I am not liable for collection. I am not liable for collection from the original debtor XXXX XXXX XXXX XXXX XXXX. I was a co-signer for a debt that is already paid. This debtor is no longer established. I contacted the new management company who is now XXXX XXXX XXXX- XXXX XXXX. They stated that they have no contract with my son XXXX XXXX ( signer ) nor myself XXXX XXXX. ( Co-signer ). I also attempted to contact XXXX XXXX who is the debtor. I was intercepted by a voicemail with no return call to request a contract signed to verify the two different amounts that they claim we owe. I have enclosed the info for all 3 parties. MY DESIRED RESOLUTION : DELETE FROM CREDIT REPORT.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-16
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XXXX removed the debt from my credit but XXXX XXXX XXXX XXXX has my and it is affected my living.
Company Response:
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2020-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Sir or Madam, My name is XXXX XXXX a former resident at property XXXX XXXX XXXX in XXXX, TX. At the time under the management of XXXX XXXX. We're fed up with the management of the property and our complaints and service call never completed on time. One incident that was a breaking point for us was the unit upstairs had a massive water leak and the water damaged the ceiling and fell, water-soaked in the carpet and mold on the walls. Management took weeks to respond to the services call, because of that the unit had a strong smell of mold and mild dew. My old parent 's health condition was affected by this. We notified the management because the unit was not serviced as agreed on the contract. We will end the lease and moved out. The property then turned this over to the National Credit System , Inc. to collected debt per breach of contract. I attached a copy of the break down of the collection charged here. As you can see on the form XXXX XXXX misleading the reason for move-out as personal reasons/concerns. I included the photos attachment as proof. Thank you, XXXX XXXX
Company Response:
State: TX
Zip: 76040
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-15
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I have no idea about this collection acct from National Credit systems
Company Response:
State: FL
Zip: 33076
Submitted Via: Web
Date Sent: 2020-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Attempted to clear up inaccurrate charges for an apartment my daughter rented and I cosigned. The rep ( XXXX XXXX ) attempted to scare me by saying I better get a good lawyer and hang up on me. Their charges include renter 's insurane coverage for an apartment that my daughter did not have access to because she moved out. The charges also include rent for months after she vacated and a {$5.00} a day late charge. I requested a history on the apartment because legally we are not responsible for an apartment after it was leased. Made contact with the apartment community manager XXXX XXXX ( XXXX ) XXXX she acknowledges that we are not responsible for the charges after someone moved in. I've disputed the collection with credit reporting agency and National Credit refuses to correct the charges. They are trying to rip people off.
Company Response:
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've tried to contact this collection multiple to let them know that I do not owe this debt to them or the original creditor. This collection company is illegally reporting this to the credit bureaus. I was never notified about this or have a contract with this collection company.
Company Response:
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
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: NOT A DUPLICATE COMPLAINT XXXX XXXX XXXX has already conceded that for three years they were damaging the credit of my wife and I even though I had notified them of their mistake on multiple occasions. They only and finally took action on my account as it relates to the first of four errors I pointed out in my last complaint ; that they can not legally seek two forms of recovery for a single financial harm. To date, they have not even updated their credit reporting to adjust their mistake. This admission of violation of FCRA law carries a {$1000.00} statutory penalty. In electing the financial penalty based on a failure to provide sixty days notice amounting to roughly {$1600.00}, the total amount they now claim we owe is still three times their actual financial damages. I believe XXXX XXXX re-rented my unit on XXXX, which would make their actual damages roughly {$640.00}. Seeking to collect financial recovery in a contract in excess of actual damages is recognized as a " penalty in contracting '' and is barred by federal law, as I referenced in my previous complaint. Included in the charges are roughly {$300.00} for alleged physical damages to the property including cleaning and painting the unit. Under Colorado law, the burden of proof for keeping a security deposit against actual damages lies with the landlord, but XXXX XXXX has provided no evidence of any damages. As such, my security deposit was improperly withheld and though I have lost my chance at treble recovery under statute, I am still owed that {$250.00} by law. The {$500.00} liquidated damages charge is the only legitimate portion of this debt and I have ALWAYS been willing to pay this amount, but XXXX XXXX and their collections agent Nation Credit Systems, INC have insisted on collecting only the inflated false amount. In a Colorado Court of Law I am legally entitled to {$750.00} from XXXX XXXX XXXX for furnishing an pursuing a false debt, and improperly withholding my security deposit, against the {$500.00} I rightfully owe them. Their admittance of fault in my last complaint and lack of proof of damages shall serve as my evidence.
Company Response:
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am us, XXXX veteran, I wanted to buy a home and I started by checking my credit report, I noticed that the estate at XXXX XXXX apartment has placed my record under collection with 3 credit agencies. I tried to reach out to them to review the matter but I was turned down so many times. I was told I have to make payment for past dues on the rents with utilities. I sent all payments invoices to them to review the payments still I was turned down again and again. The negative report on my credit report has affected my ability to gain a favorable decision with loan lenders, I am asking your office to intervene and review this matter carefully.
Company Response:
State: TX
Zip: 78258
Submitted Via: Web
Date Sent: 2020-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A