Date Received: 2020-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After multiple attempts to dispute this debt of {$4600.00} that is in collections with National Credit Systems. I called directly and requested a verification package with proof and validation that the debt belongs to me, however, unfortunately, I received documents from them that are not only invalid but had expired. They have not been able to validate this debt and yet they refuse to remove it. The agent " XXXX XXXX '' behavior was very rude and condescending including making comments like " I'm not the one who needs a place to live or can't find a place to live '' The documents sent are expired documents that us not dated with my signature. When I called the last time to give them this information, I was told by XXXX that it " Your Proof Won't Help '' and he hung up in my face and refused to answer my call anymore. I then had to call and ask for a supervisor who wasn't there. If they can not validate that debt to me but they refused to remove is a direct violation of the debt collection practices and I would like to be compensated for their actions!. They have not been able to validate this debt but refuse to remove it! That is by your definition a violation of the Fair Debt Collections Practices Act.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: Account was disputed on my credit report and removed. I wasnt notified that the account was going to be put back on my credit report. It was put back on my report. I disputed it again.
Company Response:
State: KY
Zip: 40218
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I lived at XXXX XXXX apartments in Colorado. On XX/XX/XXXX I signed a Lease Modification Agreement stating a new lessee would be taking over the lease. I moved out of state at that time. In XXXX, a new lessee incurred a debt of {$380.00}. I first saw it on my credit report in XXXX during free credit report check. As soon as I became aware, I contacted XXXX as well as XXXX XXXX XXXX XXXX XXXX Both took this debt off. When I applied for apartment in the year XXXX, I was denied several times. I was given a copy of my credit report and saw that the debt of {$380.00} was on XXXX and XXXX credit reports under a different company called National Credit Systems. I disputed it several times. I sent the Lease Modification Document to NCS and XXXX several times, ant to XXXX once. XXXX and XXXX refuse to remove this debt because National Credit Systems states that this debt is valid. THIS DEBT IS NOT MINE. I have called and sent several emails to NCS with attachment of the document that proves the debt is not mine. No reply. This debt is NOT mine, but National Credit Systems refuses to remove it. I also called XXXX XXXX apartments, and they confirm that the debt is not mine, stating that they neglected to send Lease Modification Document when they were filing for debt collection. On XX/XX/XXXX I contacted XXXX XXXX XXXX out of frustration and as a last resort, and NCS still refuses to remove the debt from my credit report. XXXX XXXX stated on XX/XX/XXXX that they have furnished NCS with a letter stating this debt is not mine in the previous week. It is now the next month, and NCS still have not removed this debt from my credit report. This debt, which is not mine, has resulted in me being denied housing several times. I need it removed from XXXX and XXXX NOW.
Company Response:
State: AK
Zip: 995XX
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX, I XXXX XXXX XXXX moved from a " XXXX XXXX '' managed low income apartment to another low income county managed " XXXX XXXX '' property. There was a case manager helping me pay fees and handle paperwork between both properties with full communication and address disclosure with forwarding information. Months later XX/XX/XXXX, after my move, I received a collections notice for {$55.00} for move-out fees from " XXXX XXXX ''. The past due collections amount was due immediately to " National Credit Systems , Inc. '' I was fully reachable at the time of the move, and to pay the move-out amount due. At any time, XXXX XXXX could have reached through my case worker or at my new forwarding addresses. I had given them the address with my 30 day written notice of intention to vacate. I believe this was done out of negligence, and or fraud by both XXXX XXXX and the collections company involved. Getting any information or help from either of them was impossible. These actions did affect my credit and today, XX/XX/XXXX, I paid the full balance of {$55.00} online and will be watching to see if it clears my credit report. Additionally, my case worker and I made attempts to contact XXXX XXXX only to be told the property manager couldn't handle it anymore, to call corporate, then told that I'd never provided a forwarding address causing them to have to send it to collections. That is all false!!!
Company Response:
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2020-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: The unauthorized account was removed from my credit report. National Credit Systems reduced the account by XXXX, added a fraudulent address to my credit report, and added it back to my credit file. XXXX allowed this to happen.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On my previous complaint against National Credit System complaint number XXXX I stated the unprofessional way that I been treated by National Credit System and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NCS has completed an investigation of all seven social security numbers associated with Mr. XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you. At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because National Credit System failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.
Company Response:
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My name is XXXX XXXX. I signed a lease with XXXX XXXX back in XX/XX/XXXX. The lease was for 1 year term ending in XX/XX/XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX They have reported to the credit bureau that I did not full fill my term successfully. Stating that I owe {$3500.00}. Where did this number came from I don't know. I have attempted to disputes multiple times without success. They have changed the date and after it went to collections somehow they report as a late payment as if it a current matter. This is so confusing and frustrating. By all means, is false and I don't understand how they are allowed to do such malice. After many calls to the credit bureau and sending them supporting documentation how is it that they can falsely information & the matter is closed basically saying I'm wrong & they are right. I wasn't aware of a 3rd party to reach to help me until now that I came across CFPB. XXXX XXXX scheduled a inspection date on XX/XX/XXXX in which the XXXX maintenance man came by to check and all was well. XXXX contact : ( XXXX ) XXXX I will attach the resident move out instructions given to me, the renewal offer that I declined because I found a home that was 5x the size and {$150.00} less. Also, the lease agreement Page 1. In addition, they even completed a form by my current landlord that I was completed my term successfully. I have followed their protocol giving them notices in advance and completed inspection prior to moving in to my residence of XXXX XXXX XXXX XXXX XXXX, Texas XXXX on XX/XX/XXXX. There is no balance due & successful completion was done of this term lease. Please help me to correct this matter but most importantly that no one else has to go though any injustice of suffer what this does to your credit allowing lenders to see you as unworthy. Thank you for your time in this matter, XXXX
Company Response:
State: TX
Zip: 77433
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was contacted in late XX/XX/XXXX regarding an amount owed to XXXX XXXX XXXX. It was explained to the collection agency that I was never on a lease or signed a lease at the complex. I had applied and was turned down. National credit systems Inc, XXXX XXXX XXXX XXXX, XXXX Ga XXXX has placed {$1700.00} on all three of my credit reports. Information has been submitted showing that I was not affiliated with a lease at the said complex. The information has been disputed and it comes back " verified ''. The most recent dispute filed in XX/XX/XXXX came back as also " verified ''. I spoke with Mr. XXXX at the collection agency. A copy of the lease which does not include my name as the responsible part was sent in. Mr. XXXX stated that I was the guarantor. How can I be the guarantor of a lease if I was denied? I have requested for documentation that proves or states that I am the guarantor. Nothing has been provide and it has been almost a month since the information was requested.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD XXXX, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}. XXXX apartments sent account to the collection agency National credit System XX/XX/XXXX for the amount of {$2300.00}. I tried to contact National credit System XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
Company Response:
State: TX
Zip: 78254
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Spoke to National Credit Systems about an apartment eviction account. Informed I never lived at the address, never applied for an apartment or cosigner. The date of birth on their record does not match mine nor does the drivers license number they provided. They refuse to validate the debt or provide me information about the original creditor. They told me I had to prove I did not owe the money by mailing them a copy of my drivers license and social security card and a fraud affidavit to them explaining I did not owe them.
Company Response:
State: OR
Zip: 97322
Submitted Via: Web
Date Sent: 2020-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A