Date Received: 2020-02-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/19, Collection was place on my trade line.. I called lender to inform them that I did not apply or in this apartment m.. I ask collection to provide me a written contract pretending to this debt.. There was no contract on file.. I informed collections that my identity was stolen
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In 2015, I applied to move into XXXX at XXXX but I never moved in to the establishment. Recently, I got a collection notice for {$780.00} regarding the establishment. I tried to contact the apartment complex but my calls and emails have been ignored on numerous occasions. I just want to get this removed from my credit report because it was falsely reported.
Company Response:
State: TX
Zip: 754XX
Submitted Via: Web
Date Sent: 2020-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have reached out to this business plenty times for verification unfortunately they have not responded! I never lived at this address nor do I know anyone. Please remove from report!
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2020-02-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision
Company Response:
State: WY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-02-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have tried to reach this company ( National Credit Systems ) concerning a debt on my credit report. There is no address or phone number to reach this company. Please remove the amount of {$500.00} from my credit report. This debt was over seven years ago which is past the statute of limitations. The company has changed the dates to make it look as if the debt is current to collect on. Thank You
Company Response:
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received a notification of debt on XX/XX/2020 with no proof of debt. Sent a response letter via certified mail, which they received on XX/XX/2020, asking for proof of debt. I have not received a proof of debt, but they did send me another notice trying to collect the debt at a reduced rate. That letter was received on XX/XX/2020.
Company Response:
State: OH
Zip: 45244
Submitted Via: Web
Date Sent: 2020-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My apartment complex mistakenly reported that I owed {$180.00}. The apartment complex, XXXX XXXX XXXX, has provided me with a letter to that effect and says they have sent that letter to National Credit Systems back in XX/XX/2018. The collection agency never removed my account. This week, the apartment complex has tried more than once to email that letter again to the collection agency. The emails bounced back. Each agent I speak with from the collection agency is giving me different and contradictory information about the status of my account. Most recently, the collection agency informed me that the inquiry into this had been closed because the apartment complex refused to communicate with them. At this point, both of the apartment complex and I are trying to get information resolving this debt to the collection agency, but they don't seem to want to accept it, and aren't giving us a means of getting that information to them.
Company Response:
State: TN
Zip: 37209
Submitted Via: Web
Date Sent: 2020-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XXXX XXXX on XXXX XXXX XXXX, which was operated by the company XXXX XXXX at the time have wrongfully claimed I owe them money in the amount of {$2200.00} and sent a false debt to collections. This was placed for collections with NATIONAL CREDIT SYSTEMS on XX/XX/2018. I previously lived at this apartment complex and moved out after harassment by management and enduring filthy living conditions ( roaches, bats, etc. ). My balance was paid and proper notice was given before moving out. The complex claims I did not pay them rent and is attempting to charge me for carpet installation. These attempts of extortion are an act of retaliation after I left negative reviews about the apartment complex and its management in online forums.
Company Response:
State: KY
Zip: 40517
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: In XX/XX/2019, I submitted to all 3 credit bureaus to remove a collection in the amount of {$2000.00}. This collection is not mine. I do not owe this debt. I do not know who this creditor is, and after months of trying to remove through mailing out dispute letters, this continues to be on my report. On my reports that I recently ordered, it shows the name as " National Credit Systems. '' I have no knowledge of what this debt is in relation to, and am asking that it be removed because this does NOT belong to me. I was also informed by the credit bureaus that my data was breached in all 3 bureaus. XXXX I believe recently removed it about 1 to 2 months ago. However, XXXX and XXXX still have this debt on my reports. This has caused me issues in being able to acquire new credit and a suitable apartment to move into. I have been homeless for years and this debt has caused me to lose many opportunities with finding a new home, and has impacted my job search in the past as well. Please have this removed asap from all bureaus. Thank you.
Company Response:
State: FL
Zip: 336XX
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I called to talk with NCS about this debt that is showing on my credit, and get more information. The first representative that I talked to, was very dismissive and aggressive. Her first name was XXXX. At one point, she absolutely refused to provide me with details about the original creditor, and said that it is non of my business. After too long had passed of this behavior, I asked for a supervisor. I believe the supervisors name was XXXX. She wasn't as rude as the previous rep, but still very unprofessional. The supervisor did provide me with some details, but still refused to enlighten me on who the creditor was. The overall 50 minute experience was awful and devastating. I can't believe that business are free to operate like this. Ultimately, I would just like to receive a valid consideration that this debt inaccurate.
Company Response:
State: FL
Zip: 337XX
Submitted Via: Web
Date Sent: 2020-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A