Date Received: 2019-08-21
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Account was placed on my credit.I have no knowledge of the account. I disputed the validity of the debt and I have been ignored. I discovered account number XXXX from a company called National Credit Systems on my credit report. I never received a notice from them nor do I have any knowledge of the debt. I discovered the item on my credit. I sent them a certified letter on XX/XX/2019 and XX/XX/2019.... to date I have not heard back from them however, according to the bureau's they continue to verify the debt belongs to me- they wont even respond to me!!!
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2019-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-07
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/XXXX I Move out of XXXX XXXX XXXX @ XXXX in the morning. I left the keys to the unit and garage remote in side of the property before leaving there was no Damages done to the unit or property. I clean my unit from top to bottom No trash or furniture was left behind. I left XXXX XXXX XXXX on good terms. I reach out to the property manager XXXX over at XXXX XXXX XXXX on XX/XX/XXXX i still havent receive my security deposit {$530.00} from them since I move out over 2 in A half months ago. XXXX told me she will follow up on it XXXX got back with me on XX/XX/XXXX with the status of my security deposit she told me I should be expecting it by mail to my new address on XX/XX/XXXX Before ever receiving my security Deposit {$530.00} And 6 days After I already move out of the unit XXXX the property manager over at XXXX XXXX XXXX ask me if I can leave them a 5star review on XXXX XX/XX/XXXX I did just that She then said to me You Rock XXXX she wish me the best of luck in my new Endeavor and you will be miss at XXXX On XX/XX/XXXX I fill out a rental application for a house that I like for me and my children. I was told My application was denied for the that home because I had a outstanding payment to my previous landlord property over at XXXX XXXX XXXX in the amount of {$530.00} I was devastated To find out they will do me like this after waiting 3months for my security deposit. so I immediately started reaching out to XXXX and their creditor National credit system on XX/XX/XXXX I spoke to XXXX over at XXXX XXXX which is XXXX assistant because XXXX was on vacation. XXXX was unable to tell me the reason why they put this on my credit. XXXX also inform me she was unable to help me with anything else because she dont have the clearance to do so. XXXX then gave me the customer service email to speak to somebody higher and that my have clearance to fix the situation On XX/XX/XXXX I email XXXX XXXX HR customer service letting them know this is a false allegations this is a serious matter which is affecting my rental history I demand someone to reach back out to me I left my contact information. On XX/XX/XXXX HR customer service reach out to me and told me by email that I needed to contact there creditor at credit nation systems to fix the problem with them. I did just that I call credit National system asking them to removing this false debt and they told me they cant take it off my credit until XXXX tell them to do so. I call XXXX talk to XXXX again told her what credit national told me and she said well its nothing we can do on our end. Now I feel as if Im getting the run around with XXXX and their creditor credit national system so I reach back out to XXXX XXXX customer service demanding again for someone to call me this matter is urgent In is affecting my rental history and now I wont be able to move anywhere. I patiently waited No one reach back out to me in regards to this matter I repeatedly sent emails to XXXX XXXX customer service and call Credit National still Nothing could be done. On XX/XX/XXXX I receive two letters in the mail from National credit system Inc stating on behalf of XXXX XXXX I now owe a outstanding debt of {$850.00} the second letter from them was for another person whom I dont know .. I believe they have my information mix with someone else I dont know whats going on I know for a fact I dont owe XXXX XXXX any money I left them on good term my security deposit was due to me in the amount {$530.00} now they saying I owe them {$850.00} something dont add up and it XXXX sure dont make sense
Company Response:
State: IL
Zip: 60651
Submitted Via: Web
Date Sent: 2019-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Hi my name is XXXX XXXX, I have collection of $XXXX from my old apartment, and they send me mail or latter after putting this money to debt collection ,before that I did not get inform ,when ever I got this amount of bill I did pay in full of $XXXX. Now im just woundring for how long this collection mark stay in my XXXX XXXX. This is my 1st collection ever I really don't have an idea. Thanks .
Company Response:
State: OH
Zip: 43062
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-14
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems ; is the collection agency. Original Creditor =XXXX XXXX XXXX XXXX . Date opened : XX/XX/XXXX. First reported XX/XX/XXXX. Collection account, balance {$5400.00}. The account is scheduled for continuous until XX/XX/XXXX. Investigation outcome reported the information to XXXX was certified and accurate.The item was not changed as a result of the dispute processing my credit score was lowered from XXXX to XXXX.The balance on the account is incorrect, deceptive and falsified. Never informed or contacted about such delinquent account until the appearance on credit report. Sent XXXX all recorded documention of proof for dispute. I give CFPB permission to request proof documents. Sincerely, thank you, for your help and support.
Company Response:
State: TX
Zip: 77036
Submitted Via: Web
Date Sent: 2019-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The original creditor had a judgement posted against myself, but the judgement was then moved to another person 's name via the state court system. I had an attorney contact their lawyer and provide them with paperwork stating the debt was no longer in my name in XX/XX/XXXX. On XX/XX/XXXX of this year, I receive a notice from a debt collector still trying to collect the debt. I sent a certified cease & desist letter to the debt collector today ( XX/XX/XXXX ).
Company Response:
State: MO
Zip: 64063
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of identity theft fraud ect. i disputed with all 3 major credit companies XXXX and XXXX removed it over a period of time and years of disputes XXXX wont take it off.I contacted XXXX and the collection agency in question XXXX said they would send me out a fraud pack 3 weeks ago it never came all i got was a paper stating what i owe the collection agency ive been calling them and even paid them {$99.00} to help remove these items from my credit nothing happened they said i would see results in 3weeks but nothing happened. I received a payment failure notice for another {$99.00} from XXXX but refuse to pay them because it seems im paying for nothing
Company Response:
State: PA
Zip: 17404
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-13
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: XX/XX/XXXX moved out early and was charged {$5900.00}. After 5 years of trying to negotiate XXXX ultimately had no choice but to change the amount according to the last statement balance of {$1900.00}. I have been denied, charged XXXX times the deposit on various occasions. I asked in XXXX and XXXX to settle for $ XXXX which was denied. I had been put on hold for an hour and talked down by the receptionists. This was very unfair treatment. Perhaps it had to do with me being a female because a guy friend called and XXXX was willing to make a deal for $ XXXX. I declined. I am so upset at the entire situation. I had little to no choice for a good standard of living with XXXX children. Its devastating. It truly is.
Company Response:
State: TX
Zip: 788XX
Submitted Via: Web
Date Sent: 2019-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-12
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I paid a third party ( really, fourth party - a fake law office ) which is somehow connected to National Credit Systems. In a recorded phone call, I reiterated back before giving consent to charge my credit card, that this would include the deletion of the debt. The agent said it would include the deletion of the debt. Prior experience is that debt deletion isn't difficult. You just tell the credit bureaus to remove it and they do. So after being told " I missed the cut off date '' for XXXX, I waited. 3 weeks later it's still on my credit. Since National Credit Systems doesn't feel like honoring their obligation, I no longer feel like honoring mine and I have requested a chargeback from my credit card company. This company is a scam. They should not be allowed to operate in any capacity.
Company Response:
State: VA
Zip: 23188
Submitted Via: Web
Date Sent: 2019-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-11
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I what to know HOW u take late rent deposit that was XXXX and security deposit of XXXX and the whole walk through of the apartment with apartment management at the time I have the paper he checked all PROBLEM and no problems .The funny thing about everything I moved out in XXXX XX/XX/XXXX And I what to know how u change a person move on date when I moved in on XXXX XXXX and I know you can't a person move date ur first lease is the right lease agreement u make and they change it to XX/XX/XXXX
Company Response:
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2019-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-08-10
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: I was illegally evicted from an apartment complex in 2013 and am still appealing the original sham court 's rubber stamp decision for the plaintiffs for constitutional, other statutory and civil procedural errors. The case is now pending in the New Mexico Supreme Court, Case No. XXXX. I believe that is enough to have the debt removed from my credit bureau reports. However, my sole income was and remains SSDI, which is exempt from collection. So the CRA is breaking two laws. My friend, former roommate and co-appellant in the pending NMSC case, XXXX XXXX, is DECEASED.
Company Response:
State: NM
Zip: 87112
Submitted Via: Web
Date Sent: 2019-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A