Date Received: 2019-07-13
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: National Credit Systems claims the original creditor XXXX XXXX XXXX apartments is their Plaintiff when in fact they purchased the dept and now own it in an attempt so not loss the chain of custody.
Company Response:
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-13
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I HAVE A RENTAL BLOCK FOR APARTMENT THAT NEVER LIVED IB. IT WAS DELETED FROM CREDIT BUREAS BUT COLLECTION COMPANT nATIONAL CREDIT SYSTEM STILL TRYING TO COLLECT AND HAVE A RENTAL BLOCK ON MY HISTORY.
Company Response:
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX XXXX now currently known as XXXX XXXX is reporting incorrectly to XXXX and XXXX a collection in the amount of {$2600.00}. Please see XXXX XXXX XXXX partial account number XXXX listed on pages 48 and 49 of the attached credit report. I did reside at XXXX XXXX XXXX from XXXX to XXXX. ( Attached is a copy of the lease agreement from XXXX to XXXX. ) On XXXX I received a letter with a copy of a lease from National Credit Systems , Inc. collection account number XXXX ; NCS Account number XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) This document shows an electronic signature on XXXX with occupancy dates of XXXX to XXXX. First, the electronic signature has my name misspelled, and Second, I did NOT give any authorization to use a computer generated signature. I moved into my current place of residence on XXXX. My lease renewed on XXXX and will be expiring on XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) It would be impossible for me to have lived at XXXX XXXX XXXX a.k.a. XXXX XXXX from XXXX to XXXX as stated in the bogus lease I was sent from National Credit Systems , Inc . I did NOT sign this document nor did I give permission for this document to be signed. I do NOT know who is on the E-Signature Certificate. I have tried to contact the apartment complex but have not been successful. XXXX XXXX XXXX a.k.a. XXXX XXXX has clearly mistaken me for someone else who owes this debt. This debt does NOT belong to me. This incorrect reporting by XXXX and XXXX recently appeared on my credit report and this incorrect reporting of a collection is harming my credit score. I have contacted the bureaus to resolve this issue but have not been successful. These line items need to be removed from my credit report.
Company Response:
State: TX
Zip: 78741
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: To whom it may concern, I am submitting this letter to dispute one ( 1 ) in proper XXXX XXXX that is appearing on my credit report. On XX/XX/2014 09 XXXX XXXX XXXX are stating that I owe a previous balance XXXX. I do not have any knowledge of the debt that the company is demanding, I would like a full investigation of this matter. With all the information that I have provided to you, I ask that my complaint be conspired as a dispute or considered as fraudulent charges made against me.
Company Response:
State: CA
Zip: 90220
Submitted Via: Web
Date Sent: 2019-07-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-11
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Over the course of the last 3 months, I have regularly called national credit systems in order to work with them on an account they have open in my name that is of questionable legal standing. There is current litigation pending against their client, and in spite of this, they still threatened to report the account as delinquent. Although i asked numerous times to get information about the credit reporting date and proposed settlements in writing, I was told by both agents and supervisors this is against their policy and they would move forward with reporting the account as delinquent whether or not the the dispute had been resolved. This seems like nothing more than harassment, especially since I told the agent multiple times that although I do not feel like the balance is legally owed, I would set up a payment plan to prevent reporting. I called on Monday, XXXX to set up a payment plan, and the associate was quite rude, and informed me that I was too late, it had already been reported, and there was nothing they could do. Called back on Tuesday and spoke with a supervisor who confirmed this.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2019-07-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Hello, I moved out of XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, in XXXX of 2018, my lease expired in XXXX of 2018. I paid my full amount owed at the time I moved out of the property including pro-rated rent for the portion of XXXX I did not reside at the property to satisfy my lease. Please note I never had a late payment in my tenure as a resident at this rental property, ~XXXX years. My credit profile prior to this erroneous credit notification has been exemplary. XXXX XXXX never contacted me regarding a residual balance. Now 9 months later they have sent me to collection for a balance of {$100.00} with creditor Nation Credit Systems , Inc. XXXX XXXX XXXX, XXXX , GA XXXX, phone number XXXX. My credit profile should not be impacted due to XXXX XXXX in office book keeping deficiencies. I feel this is a malicious predatory business practice that is unfairly persecuting me, the consumer.
Company Response:
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2019-07-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XX/XX/XXXX I received a phone call from National Credit Systems of XXXX, GA saying that I owed money on an account for which I was the co-signer ( the account was for a rental apartment for my granddaughter [ XXXX XXXX ] in XXXX, OK ). I told the " customer service representative '' that I would look into it. The " customer service representative '' ( who gave the name " Miss XXXX '' ) told me that the account would be put into dispute. After communicating with the landlord at XXXX XXXX I discovered that the collections agency was trying to collect a debt on the XXXX of XXXX that was not due until the XXXX of XXXX. The landlord 's representative acknowledged their error and said they would fix it with the collections agency. On Monday I called the collections agency to verify that the debt had been cleared. I spoke with the same " customer service representative. '' I reminded her of our conversation on the previous Friday and that the landlord 's representative would be sorting out the issue with them. The " customer service representative '' told me ( essentially ) that she didn't know about any clearing of the debt, that the debt was not in dispute ( despite what she had told me on the previous Friday ), and that I needed to pay the debt " now '' or else it would go onto my credit report ( " we put things on people 's credit reports every two weeks '' ). The " csr '' was unwilling to listen to anything I had to say, repeatedly interrupted me when I was mid-sentence, and kept telling me that I had to pay the debt. Additionally, I had not received any mail notification of the supposed debt prior to the call. Also, the company masked their identity and location by using a phone number with a XXXX MA area code.
Company Response:
State: KS
Zip: 66801
Submitted Via: Web
Date Sent: 2019-07-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have encountered with an account that I have never opened. XXXX XXXX XXXX has issued a debt and went into collection its {$1200.00}. I know its not a lot of money but why would I pay for money I never used? Ive been trying to fight this off my credit and I came to find out about these accounts when I got out of my XXXX and logged into XXXX XXXX. I was shocked oh how many inquiries and this account were open. Please help me. My identity was stole and I have attached a statement.
Company Response:
State: NC
Zip: 276XX
Submitted Via: Web
Date Sent: 2019-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I informed and moved out of the apartment of the merchant in question, XXXX XXXX XXXX XXXX XXXX, FL, on XXXX, XXXX, that I had to break my lease because my contract with my employer ended on XXXX XXXX, XXXX. The manager stated that she would drop the early termination fee and that I would only owe the 60 days notice and other fees in relation to moving out. 1. The first invoice had all the fees including the early termination fee. 2. The second invoice had the corrected amount. 3. The third attachment illustrated that I paid XXXX XXXX in full. I have informed National Credit Systems every time they called in the final quarter of XXXX that I have paid XXXX XXXX in full and yet they persist in attempting to collect a non-existent debt. Finally, the last time they called in XXXX, I told them to quit calling me as they refuse to correct their records. Then National Credit Systems falsely accused me of being a deadbeat to the three credit bureaus. I was able to clear the matter with XXXX on XX/XX/XXXX ; but not with the other two.
Company Response:
State: TN
Zip: 37923
Submitted Via: Web
Date Sent: 2019-07-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-05
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The debt has not been paid however, the debt is not owed. I broke my lease with XXXX XXXX XXXX due to being stalked/harassed. I communicated this to the property management and they informed me the only way to be relieved of owing the remaining rent and/or 2 months lease break fee I would have to supply them with a police report. The police report was provided to their corporate office. Despite me providing the police report the account was transferred to National Credit Systems , Inc. My wife and I have been attempting to work with XXXX XXXX on this matter to get it resolved but we aren't getting anywhere. I have/will enclose the documents to show that this debt should been removed from my XXXX report as well closed and not sold to any other creditors or debt buyers.
Company Response:
State: MI
Zip: 480XX
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A