Date Received: 2019-05-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: SNATIONAL CREDIT SYST XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX ( XXXX ) XXXX Is Saying I stayed at this apartment at a certain date but I didnt stay at the apartment at that time of date.. I even contacted the apartments and they didnt have any information on me
Company Response:
State: OH
Zip: 43612
Submitted Via: Web
Date Sent: 2019-05-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was in a apartment complex ( XXXX XXXX XXXX XXXX, XXXX ) from XX/XX/XXXX. I moved out of that apartment in XX/XX/XXXX. I did not get any communication from them that I owed any amount while I left the apartment. I got a letter from National Credit Systems on XX/XX/XXXX, 6 months after I left the apartment that I owe {$2500.00} to the old apartment due to damages caused to the apartment. I have not been given any bills or proof of this damages caused to this apartment. When I tried calling National Credit Systems about the proof and why I was not contacted for 6 months and I wanted to dispute the debt, they were rude and disconnected the line saying that this debt will be on my credit history. I have a exemplary credit history and would like to maintain the same. Please help me. They are frauds trying to collect money by threatening me. National Credit Systems Inc Curent Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX Account # : XXXX Amount : XXXX
Company Response:
State: TX
Zip: 75063
Submitted Via: Web
Date Sent: 2019-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National Credit System has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account
Company Response:
State: TX
Zip: 78232
Submitted Via: Web
Date Sent: 2019-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-12
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: In XX/XX/2019 a company named National Credit Systems from XXXX, GA contacted me in XXXX XXXX, TX by letter and email. They stated that I owe them XXXX dollars for the owner of XXXX XXXX in XXXX XXXX, TX. They have continued to gain these monies by sending threatening lawsuit letters to me and my relatives. I have asked them in XX/XX/2019 to send me verification of this debt and they have not or refused to. Being that this company is located in another state I do not know how to validate or dispute this debt.
Company Response:
State: TX
Zip: 78249
Submitted Via: Web
Date Sent: 2019-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I was contacted by National Credit System from XX/XX/2019 to XX/XX/2019 in attempt to collect a debt of {$2000.00} from XX/XX/XXXX and was told if I didn't pay, this will be put back on my credit, after it was disputed and removed off last year. I also was told that my credit would be damaged and I wouldn't not be able to own a home or rent anything.
Company Response:
State: TN
Zip: 38115
Submitted Via: Web
Date Sent: 2019-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have disputed a Collections account with National Credit Systems multiple times and they have yet to send any information to me validating {$1100.00} being reported on my credit report. I have not done business with a XXXX XXXX XXXX and have no clue as to what this is. I do not owe anyone from XXXX XXXX XXXX and have asked that they supply documentation proving this account belongs to me. I have been going through this since XX/XX/2018 with no resolve and need someone to step in. When I contacted the Collections agency, the representative I spoke with had very broken English and was not able to explain to me what this is and why its on my credit report. She was extremely abusive and kept saying I knew what it was and I need to pay it as though I personally owe her money. This company has horrible customer service practices and dont even attempt to help you. I just need something from them indicating this belongs to me and for what-especially since I have no clue what XXXX XXXX XXXX is and have never done business with them.
Company Response:
State: LA
Zip: 70809
Submitted Via: Web
Date Sent: 2019-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I had utilities thru my apartment that were supposed to be closed and charged to the new tenant when i moved out. I paid the final bill and the leasing office assured me that nothing else was owed and that they would transfer it to the next tenant. This obviously didn't happen but no one can tell me what the collection is for. I've called the utility company and they say nothing is owed and the collection company won't send me verification of the debt like i've asked. Please help
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2019-05-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/2014, I was accused of living in an apartment in XXXX, GA. While attending college my wallet was stolen, in my wallet included my ID, credit and debit cards, and my social security card. I assume that this took place in the duration of my Junior year. I was living on campus at XXXX XXXX and never had a need to live off campus.
Company Response:
State: MD
Zip: 20772
Submitted Via: Web
Date Sent: 2019-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Got a national Credit System collection on my credit, I give written notice to the creditors bureaus for a debt validation and the results were that the only one deleting the account was XXXX, write a second and a third time for a reason, validation, and deletion with no answer. XXXX XXXX XXXX Opened on XX/XX/XXXX. Last reported XX/XX/XXXX Amount XXXX
Company Response:
State: TX
Zip: 782XX
Submitted Via: Web
Date Sent: 2019-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-05-04
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with National Credit System , Inc. regarding a debt I do not owe to XXXX XXXXXXXX XXXXXXXX in the amount of {$74.00}. I have repeatedly asked XXXX XXXX XXXX and National Credit System , Inc to provide me with proof of my signature that I have legally binding contractual obligations to pay National Credit Systems , Inc {$74.00}. XXXX received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence. The same information was presented to XXXX and XXXX for investigation. It obvious XXXX have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A