Date Received: 2019-07-05
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: We paid the account in full and we were advised the accounts would be removed from our credit bureaus. On XX/XX/XXXX we paid the account in full totaling {$640.00}. It has been removed from XXXX but not from XXXX.
Company Response:
State: OH
Zip: 45069
Submitted Via: Web
Date Sent: 2019-07-05
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 is not yours
Consumer Complaint: This company, NATIONAL CREDIT SYSTEMS INC, showed up on my credit report with an original creditor of XXXX XXXX in XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manager at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.
Company Response:
State: NC
Zip: 282XX
Submitted Via: Web
Date Sent: 2019-07-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: National Credit System # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.
Company Response:
State: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have went to XXXX apartments and talked to the owners they are willing to clear up everything but no one is returning her phone calls
Company Response:
State: LA
Zip: 71220
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I've contacted this company to get information on why my balance is so high. They haven't sent me any itemized bill showing why I owe them. I finished my lease at The XXXX at XXXX apartments. They only send me my lease when i ask them to verify the debt. These charges are outrages and I would like them to remove it from each credit bureau immediately, and stop all collections from here forward.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I was apart of a 3 person lease agreement on XX/XX/XXXX. The lease was from XX/XX/XXXX thruXX/XX/XXXX. During that time, I was called to XXXX duty from XX/XX/XXXX thru XX/XX/XXXX. Because of this, I was going to be let out of my lease according to the SCRA ( Servicemembers Civil Relief Act ). I let my landlord know of this departure on XX/XX/XXXX that I was moving out on XX/XX/XXXX. I gave the landlord more than 60 days notice. When I received my official orders, I gave her a copy along with a document with her signature on it saying that she received the documents and that she would be agreeing to comply with the separation from the leasing agreement on XX/XX/XXXX. The other 2 residents stayed on the contract and found another person to take up my part of the rent. Once I got back from training, there was a debt from the apartment complex on my credit. When I looked further into it, the debt was put on my credit on XX/XX/XXXX and first reported in XX/XX/XXXX. I was confused and tried to call the XXXX apartment complex who kept giving me the run around. I then called the debt collecting company who now owed the debt, National Credit Systems, who not only was very rude and tried to coerce me into saying the debt was valid and belonged to me ( I have the phone call recordings & dates/times from my phone company ), but they refused to give me any solid information regarding it besides the first and last page of the lease. They refused to give me copies of the ENTIRE lease agreement when asked if I could retrieve it in order to see why Im being charged this amount, but yet she was rude and hung up on me. According to the SIGNED lease agreement for the what if charges, there was no amount or anything put into that section. Also, on the move out statement, the balance as of XX/XX/XXXX was {$1700.00}. On this same exact statement, there was a lease to date of XX/XX/XXXX ( the ending date of the lease ) & a move out date of XX/XX/XXXX. As I continued to read the move-out statement, there was a rent charge on XX/XX/XXXX, a termination fee on XX/XX/XXXX, two more write off charges of {$1100.00} on XX/XX/XXXX, and a {$2200.00} write-off charge on XX/XX/XXXX. This made the balance show {$0.00}. So when I called National Credit Systems for the last time to get clarity as to what exactly was going on, they got hostile again & told me nothing. ( Once again, I have recorded calls if needed ). When I finally got in contact with my ex-roommate, they said that they spoke with the landlord and asked if the TWO of them could stay another week past the lease until the new apartment was ready. They reached a verbal agreement and was allowed to stay. There was no new agreement signed with all three original signatures or anything of the sort. So these charges are invalid. Second, Once the landlord signed the paper saying that she was going to allow me out of the lease for military reasons, this shouldnt be present on my credit report as I was not here during those months and their new roommate gave money orders to pay for rent with their name on it to the landlord which further proves my case. I have documentation of everything stated in here and would like this removed due to it being a liability issue on my credit and its affecting my life. If this doesnt work, I will be forced to go the Attorney Generals office with the other two to show them that I was not present in the household during this lease let alone that I shouldve even been charged with this in the first place.
Company Response:
State: MS
Zip: 394XX
Submitted Via: Web
Date Sent: 2019-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-07-01
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: After receiving a copy of my credit report, I noticed a debt in the amount of {$800.00} for a former residence of mine. I reached out to the collection agency for validation and received an invoice from the apartment complex. In XX/XX/2018 I took the apartment complex to court for the debt and through Mediation, the amount owed was invalidated. The final agreement signed by all parties shows the complex owed me {$300.00} and I owed them the same amount. This means the amount is negated. National Credit Systems continued to report the balance as {$800.00}. I disputed it with the credit bureaus and National Credit Systems updated the balance to reflect {$300.00}. As recently as 23 days ago they continue to falsely report this acount.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-07-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-30
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This is for National Credits Systems and XXXX XXXX XXXX. I moved out of these apartments in XX/XX/XXXX do to unsafe, unhealthy and a unlivable conditions. ( I have documentation of this and witnesses to confirm ) I reported them to the health department as well as wrote a complaint to the company executive leadership. I was sent a document showing that they 'wrote off ' all the costs and the balance was XXXX. In addition, the items that that were written off were charges that were due to the apartment being in poor condition not from me. I heard nothing else until six months later National Credit Systems called me demanding money and refused send my a statement showing what I owed. They actually wanted me to pay over the phone without any documentation. Finally in XXXX of XXXX I get an invoice with the ridiculous charges. I was told when I reported the apartments to the health department that they might retaliate and this was their way of doing that. The apartment manager actually threatened me with eviction if I did not stop complaining about the apartment and the conditions. The apartments have since been sold and the manager was fired. At no time was I sent an invoice saying that I owe anything ; they went straight to reporting to collections. In addition, after the mold infestation and horrible living conditions I owe nothing. The apartments were in breach of their lease agreement by not providing a safe and livable apartment.
Company Response:
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2019-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: InXX/XX/2019, my previous apartment complex forwarded a balance to National Credit Systems after ignoring my attempts to resolve the issue ahead of time. On the first phone call between myself and National Credit Systems ( XX/XX/2019 ), I informed the agent that the terms set in the lease for charging and collecting balances after move out had been violated, and we had made multiple attempts to discuss the matter directly with the apartment complex. The agent told us that essentially the legality of the debt owed is not their concern, and any legal action we take against the apartments for improper collection of debt is out of their hands and will not prevent them from reporting the unpaid debt and harming our credit if the balance is not paid. I also informed the agent that I had proof of payment of the portion of the balance they had in collection that had previously been paid, and inquired what proof was necessary to have this removed from the balance. Agent stated this could not be removed unless the apartments verified receipt of payment. Informed the agent at National Credit Systems that payment had been sent via certified mail by traceable money order, and I could provide proof at any time. At this time, the agent promised to provide us with written notification of the debt owed by email ; this e-mail was never sent out. On XX/XX/XXXX, I called National Credit Systems again to request the written notification of debt owed, and finally received an email. Agent informed me that she would open a 30 day dispute process during which National Credit systems would attempt to clarify any discrepancies on balances owed and look in to the claims made during the original phone call. Agent reminded us again that if we choose to wait for the apartment complex to respond, this situation will negatively impact our credit report once National Credit Systems changes our accounts status to default. Agent made it clear that even if we don't owe the money, we will need to set up a payment plan of some kind with National Credit Systems to keep them from putting our account in default status and negatively impacting our credit. On XX/XX/XXXX, I called National Credit systems to confirm they had received the proof of payment, asking again if this portion of the balance had been removed from the balance held in collections. The agent confirmed this proof had been added to our file. However, the balance owed to National Credit Systems was not adjusted. I was also informed by the agent that our previous apartment complex had not responded to any request for clarification, the dispute window would be closed, and to avoid having the account status placed in default and reported negatively to our credit, we would need to set up a payment plan regardless of the questionable legality of the debt sent to collections. The agent offered me a " settlement '' in the amount of {$430.00}, I believe. According to the agent, if paid immediately, our account would be considered closed and nothing would be reported to the credit bureaus. I can not confirm this amount exactly, because the agent promised to send information by email, then later said on XX/XX/XXXX it is against management 's policy to send any information in paper or email format regarding settlement amounts offered to close the account. The agent still avoided my question about removing the balance not owed, and instead told me that the settlement offered encompasses a larger deduction than the amount made, making it sound like some kind of deal I should consider taking. During the XX/XX/XXXX called, I again informed National Credit Systems that I planned to file a case with the county against the apartments, and the agent stated that this was " our word against theirs '', offered me another settlement that was a slightly lower dollar amount than the previous one mentioned, and told me that if I choose not to take the settlement or wait for the outcome of the legal case, on XX/XX/XXXX, National Credit Systems planned to move forward in changing the account status to delinquent and negatively impacting our credit. There is an open court case in our county of residence regarding the legality of the charges our previous apartment claims that we ( my husband and I ) owe them, and this has also been communicated to National Credit Systems as recently as XX/XX/XXXX. I called National Credit Systems and asked to speak to a supervisor to inquire why the balance had not been adjusted and again inform the agency that a court case had been filed against their client who had turned the balance over to them. As of XX/XX/XXXX, none of the balance has been adjusted, including the portion I have proven we have paid although proof of payment has been mailed directly to National Credit Systems. I have also mailed them a letter by certified mail, which included a copy of the small claims court case for breach of contract, requesting that they postpone changing our account status to default until after we have reached a resolution between myself and their client regarding whether or not the balance turned over to collections now. As it stands, our only remaining option is to open a payment plan account with National Credit systems and begin making payments on a balance that is in collections that we do not feel we owe since nothing we have said has convinced them to postpone changing the status of our account.
Company Response:
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2019-06-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-06-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NATIONAL CREDIT SYSTEMS, account number XXXX, is wrongfully appearing on my XXXX, XXXX AND XXXX credit files.THEY ARE TRYING TO COLLECT A DEBT THAT I DO NOT OWE.THE DEBT IS A TOTAL FABRICATION ... ..I 'M FAMILIAR WITH THE PARTIES BUT THERE IS NO LEGAL CONTRACTUAL DEBT THAT I OWE. THIS OUTRAGE, USING MY CREDIT RATING AS LEVERAGE, TO COLLECT A DEBT I DO NOT OWE IS THE LEGAL EQUIVALENT OF EXTORTION.IF THIS DEBT WAS ACHIEVED BY COURT ACTION, I WAS NEVER SERVED AS REQUIRED BY LAW.IF THERE WAS SERVICE OF PROCESS TO ME PERSONALLY IT IS FRAUDULENT OR FORGED. THERE IS NO LEGAL JUSTIFICATION AND I STRONGLY SUSPECT IT IS OF A CONSPIRATORIAL NATURE BETWEEN THE OWNER OF THE ORIGINAL CREDITOR, XXXX XXXX XXXX., THE REGIONAL MANAGER AND ON-SITE MANAGER OF XXXX XXXX XXXX, XXXX XXXX , CA. REGARDLESS, I WANT THESE REMOVED FROM MY BUREAUS AND RETAIN MY RIGHT TO PERSONALLY SUE THE FURNISHER OF CREDIT INFORMATION AND EACH REPOSITORY OF INFORMATION ( CREDIT BUREAU ) FOR FCRA PROSCRIBED STATUTORY DAMAGES.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A