Date Received: 2019-08-29
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I never received my right to dispute under the FCRA. Please remove this from my credit report.
Company Response:
State: NY
Zip: 13601
Submitted Via: Web
Date Sent: 2019-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: XXXX XXXX XXXX XXXX made up a dishonest bill after moving out as we were not present upon exiting. They claim the room smelled, which it did not. made a {$260.00} charge for a XXXX cleaning, but never mailed me a bill, for me to dispute, then placed me in collections for none payment. National Credit systems in Georgia put me in collections with out verifying that a bill was ever sent, in fact the copy they sent me has there own address on it. I was never contacted, never given a chance to dispute anything. XXXX scams students not present at sign out, many kids we spoke to agree, some charges get dropped after seeing pics, Then they send Hundreds of accounts over to National credit systems whom do not verify the contact info, nor check accounts for proper procedure. And claim it does not matter, just pay it, as per XXXX XXXX, a collections rep. Told me he has thousands of these cases. They should never have marked a exceptional credit report with out contact, even thought the charge is a scam.
Company Response:
State: NY
Zip: 11787
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems sent me a letter that they intended to collect a debt for unpaid rent. I sent them a letter challenging the debt and they sent me back a copy of the lease and an invoice. My name was not on either the lease or the invoice provided as proof of the debt owed. They stated in their letter that they had validated the debt from the provided paperwork. They reported the collection to the big three credit reporting agencies. I was able to get XXXX to remove the collection, but the other two have not.
Company Response:
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: Collector : National Credit Systems National Credit Systems , Inc . XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX Amount Owed : XXXX I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector National Credit Systems was asked to provide me with validation that the debt is mine and that i owe the debt. I was provided with a copy of a list of charges that was addressed to another individual that is not me nor am i associated with this person in any way. The reporting information is different from the supposed validation documentation as well such as amount owed and date of delinquency. This account is ruining my credit and is preventing me from finding a home for my family. I spoke with the company today and they stated that the account is in fact verified as mine and i owe the debt even with them not having any proof that I even lived at this address.
Company Response:
State: GA
Zip: 30252
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX CT XXXX OH XXXX XXXX : Notice for Proof of Claim Account : NATIONAL CREDIT SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation. The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
Company Response:
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-27
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have sent in a dispute letter asking for the contract where I supposedly signed for this account. I sent in 3 dispute asking for proof and have not received anything yet the credit bureau continue to state this account has been verified, but how? I have not gotten any documents from this collection company with my signature I signed.I sent factual proof that this account was inaccurate and reporting incorrectly to my credit and should be removed. I have been sending out dispute letters since XX/XX/2019.
Company Response:
State: GA
Zip: 30315
Submitted Via: Web
Date Sent: 2019-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-23
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Been calling for about a week now.. I was trying to get National Credit System policy in write they refused to apply.. We have call about the debt we ask could we make a payment plan and XXXX XXXX said that all we have to do is make a payment and it would put us in a payment plan but to be honest the debt will be dropping off the credit in XXXX .. But we was try to still pay on it to show good faith about the account.. Well long story short we have talked to several people even the caseworker he was rude and very loud with us. Several of the worker was rude and always went back to its their policy that they dont not accept payment plan.. And when ask can you show me in your policy where this says that in a email they refused and when ask for a printout of the recording for each conversation we had with each employee about this debt the phone was hung up.. Tried call back the same thing we called like 20 times to get a response nothing and sent several email no response. So I need to know my next step..
Company Response:
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2019-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was notified by mail that money due from the apartment I was moving out of was being sent to collections before payment was even due because the company had sold. With only a few days notice and my concerns with the charges, I feel I was not given a chance to clear the matter before they just turned my account over to National Credit Systems for collection. For this reason ( and others ), I filed a dispute with the collection company National Credit Systems within the 30 day period, that claim was denied. With a lot of fear being set on me that they were about to report to my credit if I didn't make a payment, I decided it was not worth the fight. I know I am responsible for some of the money they are trying to collect, so I came to a settlement agreement for a less amount. Now they are requesting a payment, but refuse to provide me with any documentation stating the agreed upon amount until I pay the total settlement. The only reason they can give me as to why they will not provide documentation is that " they just don't do that ''. I have made many calls to the State General Attorney, the Federal Trade Commission trying to get some clarity on the situation. And I am repeatedly told to not give them money without something in writing. I feel like this is a very reasonable request, I want to pay them and clear this up, but I also need to protect myself and I am not being allowed to do so. My credit is my main concern because I am needing to get car in the next few months and a negative remark on my credit will hinder that. I have expressed this to National Credit Systems and I feel they may be using that to their advantage as a scare tactic.
Company Response:
State: AK
Zip: 99516
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX sold a paid debt to NATIONAL CREDIT SYSTEM the information they continue to update is not accurate
Company Response:
State: GA
Zip: 30017
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was evicted from XXXX XXXX XXXX XXXX in XXXX. The Judgment was XXXX for for XXXX XXXX XXXX XXXX but on XXXX XXXX they added $XXXX to the judgment I tried to dispute this I tried to reason with the collection agency National Credit Systems that it was $XXXX over why is it that high the send me a breakdown oh why it's $XXXX over the limit no respond so I can consult a lawyer XXXX XXXX I hired as my attorney . This account need to be investigated brought to your attention.
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A