Date Received: 2019-10-21
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NATIONAL CREDIT SYSTEMS IS REPORTING AS A COLLECTION ON ALL THREE OF MY CREDIT REPORTS. I HAVE SENT SEVERAL VALIDATION LETTERS TO THIS COMPANY AND ALL THREE OF THE CREDIT BUREAUS, THEY HAVE NOT RESPONDED, IT HAS BEEN MONTHS AND I HAVE NOT RECEIVED THE VALIDATION OF DEBT LETTER AS REQUESTED, I SENT CERTIFIED LETTERS TO KEEP TRACK OF THEM RECEIVING THE LETTERS,
Company Response:
State: AL
Zip: 365XX
Submitted Via: Web
Date Sent: 2019-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: My home was broken into and the personal information of myself and my spouse was stolen. After we reported the incident, a few months later we receive a collection letter in the mail for an amount of XXXX. We went to the originating company and advised them that it was fraud and they were not willing to help us and stated that they already sent the file to the credit collection company and we would have to deal with them. We have reached out to the credit agencies and provided police reports showing that it is fraud and they are un willing to help, even when the first thing their recording says when you call to speak to them, " We are only collecting a debt that you owe '' and I do not owe the debt because it is fraud.
Company Response:
State: GA
Zip: 30215
Submitted Via: Web
Date Sent: 2019-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: I moved out from XXXX XXXX at XXXX XXXX XXXX, XXXX, Va XXXX on XX/XX/2019. On XX/XX/2019, I received a handwritten itemized note trying to get move out fees totaling {$1700.00}. I disputed with XXXX XXXX on XX/XX/2019 on their charges. I did not receive any response from XXXX XXXX instead I got a call from someone calling from ( XXXX ) XXXX who said he represented XXXX XXXX to collect {$1700.00} from me. He threatened to report to the credit bureaus if I dont pay it at that time. He also said my daughters credit file will be messed up. Of course, credit file is a big deal to a fresh graduate from XXXX XXXX. I refused to speak with him. I emailed to XXXX XXXX immediately on this. They confirmed that they had appointed National Credit Systems to collect the money from me. This company never sent me any correspondence prior to calling me on XX/XX/2019. As of today, I have not received any correspondence from National Credit Systems. I am very worried that they are going to ruin my daughters credit file since she was also on the lease. Please help.
Company Response:
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: National Credit Systems contacted me through mail two and half months ago saying I owed a debt from a previous apartment. That was my first time receiving any notice, bill, or anything regarding the so called debt. I reached out to them because I had already paid the apartments at the end of my lease and had proof. They had me email in proof and said it would be deleted once recieved. I called back the next day and they confirmed paperwork had been recieved and that the account was closed. They also mentioned that I could call back in up to 30 days to confirm this. Today, I recieved a notification through XXXX that it had just been added to my credit report. Besides all of this, national credit systems is not even licensed to collect in the state of Texas and I demand this account be closed and removed from all three of the credit reporting agencies.
Company Response:
State: TX
Zip: 78247
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-16
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: These people are refusing to let me set up payment and threatening me to put this on my credit report even though I am trying to Pay!! My wife accidentally bounced their payment and they tried it again on a non pay week without contacting us to even see what happened then said they could only take a card on XX/XX/19 then on XX/XX/19 they can't make an arrangement and can only take the card the day of.
Company Response:
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I did not have a least at XXXX XXXX XXXX XXXX when I moved out of unit XXXX I was told that she meaning XXXX would walk the apartment and submit a request for a refund for my Deposit since the unit was in really good condition after I had clean it and returned the keys before XX/XX/2019. I gave XXXX my forwarding address XXXX XXXX XXXX Tx, XXXX. I was told I did not owe anything and I do not have a balance with XXXX XXXX XXXX. I even got XXXX to write me a letter saying that I did not have a balance. I never heard from XXXX and I wanted my deposit back after a few weeks I called and left several messages and XXXX never replied. I tried to apply for another apartment and I was denied approval because XXXX had put false information on my credit report. XXXX signed a least with another resident for unit XXXX on XX/XX/2019. She reported that I owed {$700.00} for the same month. I asked XXXX what happen to you refunding my deposit? She did not answer. I have never gotten a bill from this apartment complex until I applied at XXXX XXXX in XXXX they do a background check with XXXX XXXX. Currently, I am XXXX because of false information being reported.XXXX need to provide a least that starts on XX/XX/2019 or the false information should be taken off my record.
Company Response:
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2019-10-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems Collection Agency have reported to the credit bureaus a collection account that does not belongs to me. I was in XXXX in Puerto Rico from XXXX thru XX/XX/XXXX and this debt is dated XX/XX/XXXX. There is no way I can rented an apartment while been XXXX. The debt creditor is XXXX XXXX XXXX for the amount of {$2100.00} and the collection agency is : National Credit sysytems XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am trying to get everything straight with my life, getting things done in a responsible way and do not need negative things to stop me to achieve my goals This collection agency refused to remove this debt which does not belongs to me.
Company Response:
State: PR
Zip: 00784
Submitted Via: Web
Date Sent: 2019-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: I previously filed a complaint about about National Credit Systems in regards to a collection they have on my credit report for XXXX XXXX XXXX. They provided you and myself via mail with a copy of my lease and a bill that was faxed to them XX/XX/XXXX stating that XXXX XXXX verified the debt. XXXX XXXX was the owners in XXXX when I signed my lease and XXXX I moved out, XXXX the property was sold to XXXX, then again in XXXX to the current owners XXXX XXXX. The original owners business no longer exist no contact information can be found and they no longer hold a business license in Arkansas. The current owners and the one prior to them stated they have no record of debt and no way of providing National Credit Systems with a verification of debt. They cant even provide me of any records. This collection agency has obtained old documents in attempt to collect money from me, by saying they are collecting on behalf of XXXX XXXX which is false information. Secondly any debt that was with the original owner XXXX has reached the statute of limitations Arkansas Code 16-56-111.
Company Response:
State: AR
Zip: 72209
Submitted Via: Web
Date Sent: 2019-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2019-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A