Date Received: 2019-09-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: After living at XXXX at XXXX XXXX XXXX for over two years I suddenly started feeling sick and felt a weird sensation coming from the upstairs neighbor 's apartment. I often heard a rolling sound following me as I moved. I went upstairs and told my neighbor that something was making me feel sick in my bedroom and asked if she noticed it too. She said she wasn't sure of what it was. I also saw several maintenance men in her apartment, pest control, and they even replaced the carpet. During that time I started to having someone attempts to break into my apartment at night. My front door had two locks. One that is accessible from the outside and the other that can only be accessed inside. One night, while getting a drink in the kitchen, I noticed someone unlocking the bottom lock using a key. Thankfully the top lock was bolted and they could not gain access. I reported it to the apartment manager and requested that the locks be changed. The locks were changed, but the same thing happened twice again. All these incidences were reported to the XXXX County Sheriff Office. Shortly after the man downstairs, got sick I found myself in and out of the ER and the doctor 's office. The final event that frightened me so much, I knew I could not stay there any longer. On XX/XX/2018, at XXXX XXXX I was at work and I got a notice on my phone my personal camera detected motion. When I looked at the footage I say a maintenance man entering my apartment to replace an already clean AC filter. The apartment policy is that filters are replaced by the residents. After he walked into my apartment, he moved my camera out the way so I could not see what he was doing. Once I got home that day I started searching for a new place. Once I found a place I asked the apartment manager if she would let me out my lease citing the maintenance staff incident. She agreed and we both signed a document that ended the lease on One XX/XX/2018. I already paid the month of XX/XX/XXXX and left 17 paid days on the lease. The manager soon leases the property to a new tenant and I know this because I had to visit the property to retrieve a misdelivered package which was never found. There were moving boxes outside the apartment indicating that someone moved in. In XX/XX/XXXX, over a month later, I received a bill from the XXXX at XXXX XXXX for {$930.00} the remaining balance in XX/XX/XXXX ; knowing that it was being lived in by someone else. The account has since been placed in collections and my credit ruined because I refuse to pay for someone one else to live in that apartment. Enclosed I have a list of police reports provided by the XXXX County Sheriff Office and a photo of the maintenance man entering my apartment. I can also provide the video if needed.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Two months ago i learned that a past Apartment complex I lived in sold or hired a collection agency for debts incurred in XXXX for an eviction. I found out by learning that it was on my credit report when i tried to apply recently for housing and was turned down because they said i had a collection on my account in the amount of XXXX. Once I looked into it I called the collection agency listed on my report and spoke with a gentleman name XXXX XXXX from NCS. I said I just found out about the debt and id like to settle it however I need itemized charges because the amount I'm seeing has to be incorrect. He informed me that he had both my lease and itemized charges and that he would email me these items and then send a settlement offer that I should receive any day. Fast forward to today XX/XX/XXXX I called this guy back last night because I never received the email and left a long detailed message about how I contacted original creditor and got a copy of the charges and that I was disputing the charges but to call me today and if I hadn't heard from him Id call. I called around XXXX XXXX pacific XXXX. I explained to him that I never received the email with the charges or lease and that as a result I went to original creditors XXXX XXXX and they printed out a list of charges. I also spoke to a manager who stated that NCS had everything and that they couldn't get involved further because NCS now owns the account. XXXX interjected that in fact they didn't own the account and they were collecting on behalf. I found this interesting because twice I was told by a staff member at XXXX that there was nothing they could do because they dont own the account anymore. I was told once on the phone a month prior and last week when I went to the office in person. At any rate the charges which i will attach to this are for charges for normal wear and tear which i can not be charged for. You can not charge for painting, carpet cleaning, apartment cleaning. The XXXX deposit was for carpet cleaning. Also If you evict a tenant in nevada you can not then turn around and ask for the money for the month you are evicting them for. Its either evict for nonpayment or take payment and no eviction, you cant kick the person out and then ask for the amount that you kicked them out for. I also was never notified of how my security deposit was used within the 30 days that they are supposed to notify you that way I would have known that this huge amount they were charging me for had been following me around on my credit report. they were in possession of both my email address and forwarding address in which i never received any notification about charges. I also explained that i see that they tried to claim damages when there was no such damage ... he then said they did not charge for damages that i was responsible for all of the fees. he then stated that because i didn't do a walk through as stated in my lease as a requirement that they basically can charge whatever they want. I stated that my lease said no such thing and that I was told when i gave the keys in that they could not do a walk through that day by the leasing agent XXXX XXXX. I also informed him that a previous company is who i had the lease with and only a month prior to the eviction unbeknownst to all of us at the complex that the complex had been sold. I agree that something is owed and I really wanted to work something out but the charges are overcharged by over 2,000. The conversation didn't end well because the guy starts getting snappy and was like most people who call here call because they want to work it out but obviously thats not what you are doing here. Interesting because the settlement i received from him recently which happened to expire was close to the actual amount i should have been charged. So now false information continues to sit on my credit report because of lies and false reports of what i owe and the two companies XXXX XXXX and NCS aren't helping because XXXX is outright denying that they still own the account and now ncs is saying they don't own the account. In the mean time i cant rent any apartments because landlords here wont rent to someone with a high collection account from an apartment
Company Response:
State: NV
Zip: 891XX
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2019 I reached out via Certified Signed Tracking mail advising copy to mail me validation of a so-called debt in which this company has re aged reporting on my credit files this company had 30 days from my letter and has refused to validate There claims I advised this company under credit Reporting Act section 1692g that I have a right to a legal form of debt violation I asked this company to stop reporting this illegal debt on my credit files and they have refused this company is reporting false incorrect balance amounts, false Ownership of this debt, reporting a Re-aged debt I called this company on XXXX at XXXX XXXX spoke with a supervisor and that supervisor advised me that the account had a Cease and Decease action report in there system however this company has neglected To advice the Credit Reporting agencies To remove this account
Company Response:
State: FL
Zip: 33801
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent certified mail to National Credit Systems on XX/XX/2019 to send proof of this debt and where was it acquired from what was the original amount, proof of my signature, etc. They have yet to provide to me any of the information I have asked and our now in violation of FCRA and FDCPA.
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: NATIONAL CREDIT SYSTEM,XXXX XXXX XXXX XXXX BLV, XXXX, GA XXXX, ( XXXX ) XXXX I lived at an apartment which this company was the lease holder, when my lease was up I never renewed it and I had no damage to the apartment what so ever. I always paid on time and I felt I had a pretty good relationship with them very friendly and nice office lady and it was ok despite the building was a mess around the outside elevator never worked the whole time I lived there and I lived on the XXXX floor, loud people and building wasnt always secure and when needed the handy man to look at stuff took forever, besides that I had no problems till I left. A year plus later I see my credit report saying I had a bill from them, I contacted them no answer called the collectors and they was rude XXXX and pretty much blame me saying Im the one owned when they didnt even know my side or anything. This company is terrible and the collectors, the reviews for the company online is below and I see why and I refuse to be held reliable to something I didnt do please have them remove this of my report its been on here long enough and its not my fault thank you.
Company Response:
State: NJ
Zip: 07801
Submitted Via: Web
Date Sent: 2019-09-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-23
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: On XX/XX/, 2019 I received the first phone call from National Credit Systems Inc. XXXX XXXX was the employee who spoke to me. He used aggressive and loud language and while attempting to understand if the debt was added XXXX my credit report, he hung up on me. I called back and reached him where he told me if I didnt listen to what he had to say he would hang up on me again. I asked to speak to the manager, and he hung up on me. On XX/XX/XXXX he called me back and I told him I would make a complaint if he spoke aggressively toward me one more time. I was able to tell him that I am not disputing all of the charges owed, but my previous lease did not require me to pay for some of it. He stated that he filed the dispute. On XX/XX/, 2019 XXXX XXXX called me back and stated that the lease he had did not contain literature about pet damage. Once I realized the apartment complex provided the wrong lease, I provided the updated lease that included the pet addendum. I told her what paragraph to find the literature and we disconnected neutrally. On XX/XX/XXXX XXXX XXXX called me and spoke to me. He explained that the apartment complex would not remove the disputed amount of money. He told me that he never asked me for an updated lease and that he did not know what I was talking about. I reminded him that I in fact sent the email to his XXXX, XXXX XXXX with he email he provided me. XXXX asked me why it was a big deal to dispute the small amount that was owed instead of paying it. I told him my lease stated I was only responsible for a replacement and not a repair, as the literature stated. XXXX XXXX interrupted me and disconnected the phone call. National Credit Systems is refusing to mediate the amount owed and refusing to understand the literature of the lease in question. National Credit Systems is using harassing tactics to prevent me from paying only the money I owe. I have stated many times I am not disputing the majority of the debt and I am willing to make payments. I am unwilling to pay for what I am not responsible. National Credit Systems is attempting to stall on the issue to allow for enough time for the debt to go into collections for purposes of profiting. I attempted to speak to the XXXX XXXX XXXX XXXX on XX/XX/XXXX but was only allowed to leave a voice mail and was told he would not accept my call.
Company Response:
State: TX
Zip: 76132
Submitted Via: Web
Date Sent: 2019-09-23
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2019-09-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name. National Credit Systems did not respond or provide requested information when I contacted them via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. They have never notified me of their claim. When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity. 2. Provide signed verification of each transaction that is part of the alleged cumulative debt. 3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent. 4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ). 5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ). 6. Provide the Certified Assessment Certificate. Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ). * Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ). * Failure to provide an Opt Out Notice. * Failure to disclose as required by federal law mandatory information in their Privacy Policy notice. * Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
Company Response:
State: GA
Zip: 30087
Submitted Via: Web
Date Sent: 2019-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Yes I had a roommate and she didn't pay her have of the rent I did and when I moved out she still said and ran up the rent and that not fair this is the 2nd time I'm doing this.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Hi National credit systems has enter a debt that wasnt verified for an apt that I never rented. I call the XXXX XXXX XXXX XXXX about this debt and they said they had no record of me staying there. ..
Company Response:
State: IL
Zip: 60517
Submitted Via: Web
Date Sent: 2019-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-09-19
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have attached a Complaint letter. This complaint is regarding the credit unions namely XXXX, XXXX and XXXX. My identity was compromised in the year 2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of 2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts. XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries. XXXX and XXXX did not delete any unverified account, nor did they send any verification of the accounts. I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
Company Response:
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2019-09-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A