Date Received: 2020-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: As of XX/XX/20, my debt owed to National Credit Systems was satisfied in full. I made the payment and have received a letter from the company stating that there is no longer any further obligation relating to this account, but it is still being reported to the credit bureaus. I have contacted the collection company and am now being asked to pay an additional amount to them so that they can stop reporting to the credit bureaus.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Thank you for submitting documentation that clearly reflects, on page 5, that the administration fee was NOT non-refundable. Now that you have provided documentation that proves you fraudulently placed that erroneous debt on my credit bureau reports, when are you going to remove it? You should be ashamed of the way you are harassing me with a debt I do not owe and unethically refusing to remove it from my credit bureau reports.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I didnt have the correct option to check a box. I have disputed this item and keeps coming back as accurate. This account was deleted from my XXXX report meaning the account has been closed. Why cant it be deleted from XXXX and XXXX? Its 6 yrs and 10 months old.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I applied for an apartment and was not approved. Nowhere in the application did it state that the administration fee to hold the apartment was non-refundable. National Credit System along with XXXX XXXX XXXX even tried to justify the debt by claiming I had a contract with XXXX XXXX XXXX. My Sister lives at that property not me. I was denied when I applied. There is and was no contract.
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX
Company Response:
State: GA
Zip: 30046
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The Company National Credits Systems has been trying to collect {$4000.00} from me. A debt they purchased from XXXX XXXX XXXX, which was a Civil judgement In the amount of {$970.00} that I actually owe due to unpaid rent. They havent given me any information on how they came to the amount when I have actual copies of the judgment against me. I just want the correct amount reported before I settle with any and all parties.
Company Response:
State: TX
Zip: 77598
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I I have notified them and XXXX showed a signed letter from the company they're trying to collect for that states I don't have any kind of balance with them and they still keep trying to get me to pay it
Company Response:
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: National Credit System is reporting a collection from XXXX XXXX XXXX on my credit file. XXXX XXXX XXXX is no longer a company and I have been trying to figure out where to call to pay with no success. None of the payments I made to XXXX XXXX XXXX reflect on this account. I never received any phone calls, letters or collection notices which is a violation of my 30 day right to dispute and leaves me unaware of where and who to pay. I would like National Credit System to fix this debt.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX National Credit Systems opened a collection action against me in the amount of {$950.00}. NCS reported to all three credit bureaus that XXXX XXXX XXXX is the original lender. The invoice by XXXX XXXX to me was not a loan, but rather charges for damages to an apartment I rented for 15 years. The claim of damages was for smoking in the premises which was not dissalowed. I disputed the charges with XXXX XXXX, National Credit systems, and all three credit bureaus stating that this was not a recurring payment, a loan, or a charge permitted under the rent agreement between myself and XXXX XXXX. In the only telephone conversation with NCS, I stated that this charge was a contract dispute, I would not pay it, and would welcome any lawsuit against me to collect the charges. NCS stated they would not pursue the matter further, but reported the uncollected charge to the three major credit bureaus. I also requested to XXXX XXXX to sue me in court, but they have not done so. NCS inititially reported this unsubstantiated charge five times to XXXX between in XXXX according to XXXX records. NCS has also just recently reported it again in XX/XX/XXXX to XXXX, and XXXX has reported it again as a late payment. According to credit laws and regulations, this is not allowed as this is not a recurring payment as explained above. My filings with the three credit bureaus stated that this charge was a contract dispute with XXXX XXXX and not unpaid rent or any other recurring charges, but all three credit bureaus replied to me that they had validated the charge. Their " validation '' would require them to make their own legal opinion of fifteen years of contracts, contract amendments, apartment rules changes, grandfather clauses in the contract, and XXXX XXXX managements to me acknowledging that smoking was acceptable under my contract terms. The deragatory negative reporting of this charge by the three credit bureaus without a proper validation process of a contract dispute leaves the door open for abuse to me by XXXX XXXX and National Credit Systems. This matter can only be settled by a court of law and should not be allowed to be reported as a derogatory account on my credit reports. I can not bring a lawsuit in small claims court since I can not show a monetary loss or expense. XXXX XXXX or NCS will not sue me as they both know that they do not have the contractual basis to charge me the {$950.00}. A court could rule on this matter in 30 minutes, but XXXX XXXX and NCS has chosen in malicious behavior instead. And the three credit bureaus should not be able to list this on my credit reports based on their delinquint and abbreviated " validation process ''
Company Response:
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-01
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: On XXXX XXXX I sent a certified letter to National Credit System inc for debt validation. the letter arrive to the company on XX/XX/2020. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately XXXX XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete. In the validation letter package I sent a Cease and Desist for the company to stop with harassing calls which National credit system inc finally comply to do but they never responded to my validation request.
Company Response:
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2020-08-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A