Date Received: 2020-06-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: After reviewing my free annual credit report, i noticed that there was an account placed for collection with National Credit Systems in XX/XX/2020. There was no written/telephone communication of this debt provided to me. I also sent a written correspondence seeking validation to National Credit Systems between XXXX XXXX of 2020. It is now XX/XX/2020 and I have yet to hear from the agency.
Company Response:
State: MS
Zip: 38671
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 33435
Submitted Via: Web
Date Sent: 2020-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, Best Regards, XXXX XXXX XXXX
Company Response:
State: GA
Zip: 30033
Submitted Via: Web
Date Sent: 2020-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: National Credit Systems is reporting negatively to my credit report concerning a lease that is in dispute. The lease was disputed with National Credited systems on several occasions and one some occasions a representative of National Credit Systems hung up the call before a resolution or completion of the complaint national credit systems claims that lease provided says I should be charged for residence I was not living after completion of lease I told National Credit Systems that was not on my lease and information they provided was inaccurate only to be hung up on again and to have a collection show on my credit report
Company Response:
State: AL
Zip: 35215
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a final payment amount from XXXX XXXX that I owed XXXX on XX/XX/2020. I terminated my lease 2 months early with a written notice which was required per my contract with XXXX. Which is what I provided. When XXXX reached out to me through Email several weeks later I advised that I was having some XXXX health issues and on XXXX. In the time frame that I was reached out to via email. Now remind you that in this time frame WE faced a Pandemic so with that came jobs cuts and layoffs and less hours. Well I received this letter on Monday XX/XX/XXXX from National Credit Systems for the amount of {$3100.00}. I contact XXXX with National Credit Systems advised her that my final contract and agreed upon amount from XXXX was {$1800.00}. And that was the final amount that was mailed to me as well.She states that the extra amount was a fee they charged. So they charged me an additional {$1200.00} dollars and they have ONLY contacted me one time and that was with the letter I received. So they charged me XXXX and they have done nothing. When ALL I owed XXXX was XXXX. I have Federal student loans that don't even have that much interest and fees. So how is it possible that National Credit to charge me XXXX and they haven't done anything but send a letter. Also, while I was speaking with XXXX from National Credit she told me that at this time there was no settlement amount they wanted it in full. So basically they are telling me I have no other options but to get XXXX put on my credit just because they can. When my original Debt with XXXX XXXX XXXX was XXXX. How is that fair or legal in the State of Tennessee. With any debt I have ever had, I have NEVER been charged a XXXX fee from a Debt Collector. That is outrageous and something that i refuse to pay. Will I pay my actual debt of XXXX if allowed, yes I will. But I will not be threatened into paying XXXX!
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2020-06-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
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: I launched an investigation into National Credit Systems reporting of a debt with XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX. I was denied leasing with XXXX XXXX XXXX on XX/XX/XXXX. I worked for a preferred employer mployer so the application fee was waived. However, National Credit Systems is falsely reporting this as a debt owed on report with XXXX and XXXX. THIS IS false reporting.
Company Response:
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Please help, I have disputed these charges several times and now they are on my credit file inaccurate and false. I lived in this apartment complex for four years, gave the proper notice and moved out. I'm now finding out I'm being charged for carpet, paint etc. which is inaccurate and that should be normal wear and tear and the landlords responsibility. There was no damages at all. The charges are inaccurate and I do not owe. Please help
Company Response:
State: TX
Zip: 77014
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hi, I am writing this complaint on ( XXXX XXXX XXXX ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered. So National Credit System put a account on on XXXX XXXX report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed XXXX, XXXX and XXXX this was a fraudulent account. All three credit bureaus deleted the National Credit System off my report within 4 business. XXXX XXXX XXXX told me they have to contact National Credit System to delete this account and it will take 30 days. I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report. How can XXXX delete this off my report but the XXXX XXXX section wont delete this off my account. XXXX XXXX still falls under the FCRA and should follow the rules. FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ). Attached is a police report and dispute letter
Company Response:
State: AZ
Zip: 85226
Submitted Via: Web
Date Sent: 2020-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received bill from the debt collector, National Credit Systems, in XX/XX/XXXX. Immediately I called them to find out what the bill was and was told it was from my previous apartment. Upon reviewing the bill, I found that the bill included rent from AFTER I left the apartment and cleaning, damages, etc. I immediately disputed the debt by letter sent on XX/XX/XXXX. I kept receiving calls demanding full payment and was told that I " did not dispute '' correctly. I then sent another letter to request written explanation of how to dispute, and I sent additional proof of my contested amounts. That letter was written XX/XX/XXXX. I have not received any letter explaining the dispute process but I was reported to the credit bureaus. I called the debt collection agency on XX/XX/XXXX to ask about the status. I was told they are waiting for the original property management ( their " client '' ) to respond to my debt dispute. I asked if they had notified the credit bureaus of my dispute or just my debt. They said they had notified them of the dispute as required by law. I called XXXX and they had the original amount of the debt reported as outstanding but NO notification of my dispute. I am also questioning whether or not the original property management actually determines the validity of my dispute - from reading online it sounds like the debt collectors actually buy the debt and then deal directly with the person owing. I don't think they are being honest about the process and certainly not honest in their dealings with me. In addition, they have reached out to my ex boyfriend about this debt and discussed it with him though he had left the apartment over a year prior to my vacating so I am unclear why that is happening. Though I am finding that the apartment did not process his removal from the lease nor the addition to the lease of my then new roommate when that happened in XX/XX/XXXX. This has lead to much of the confusion with this entire bill - unfortunately the bill was never presented to me until it ended up across the county with the debt collector. The property management company refuses to return my calls and has only communicated with me through the XXXX XXXX XXXX in our state. I am at a loss on how to clear my record so that I am able to rent again when I relocate in XX/XX/XXXX.
Company Response:
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2020-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/XXXX I XXXX XXXX are providing to you a statement of dispute. This is for the collection account with National Credit Systems. I received a collection notice for a prior residence at XXXX XXXX XXXX claiming that I owed {$11000.00}. When I called the number on the collection notice at National Credit Systems I was told the debt account was no longer being handled by National Credit Systems that another party had the account. I was given another number to call. Spoke with a gentleman who could not provide solid clarification on exactly what the {$11000.00} balance was in reference to. I explained to him what happened at my last residence. Explained that I did not sign any contracts agreeing to any increases in rent, was never provided a late notice for any month prior to be moving out on XX/XX/XXXX. Was told by the leasing office just before moving that they never received rent for 11 months from the renting agency I was receiving a rental subsidy from. Yet was never provided a late notice or demand for rent any of the 11 months they claim they never received rent. Was never evicted, taken to court. I gave my 30 day notice in XXXX and still was never provided any documentation for this balance. Requested validation of debt from XXXX XXXX prior to moving was never provided to me. The collection agency had no idea specifically what the debt was from. I requested verification of a prior lease they did not have that documentation either. How can a resident reside at a property and be told 11 months later that they owe almost a years worth of rent, and never be evicted or taken to court. No judgements filed. Please remove this item due to being inaccurate and unsubstantiated. Theres no signed documents or proof of this debt. This collection is significantly impacting my financial future alongside providing a good quality of life for my XXXX child. Thank you for your attention to this high level of importance. XXXX XXXX XXXX.
Company Response:
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A