Date Received: 2019-04-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX I moved to XXXX, XXXX and into a three bedroom apartment at XXXX XXXX XXXX XXXX XXXX ( XXXX ) apartment complex. In XX/XX/XXXX I vacated this apartment and moved to XXXX XXXX, XXXX. Shortly after that I received a final bill from the XXXXs property manager XXXX XXXX for the amount of {$1900.00} which included a list of damaged items and clean up charges. The bill was nearly all fabricated and contained no evidence of damages ( exhibit A ). I promptly called XXXX XXXX XXXX which owns/manages the XXXX apartment complex on XX/XX/XXXX and talked to XXXX XXXX who is the Administrative Assistant in charge of XXXX. I explained to her that the bill was fraudulent and fabricated by the property manager and that nearly everything on that bill, except for a few items were normal wear and tear and not my responsibility to pay for. She asked me to send her an email regarding the bill which I did and explained why I thought the bill was bogus ( exhibit B ). In this email I went thru all the eight items XXXX XXXX had charged me for and explained why they were not true. After only a few hours she emailed me back saying she would stand by the charges ( exhibit C ) but changed the amount to {$1900.00}. I did not respond to her and did not pay the bill. Consequently XXXX hired the collection agency of National Credit Systems , Inc. to collect. They sent me a letter of collection in XX/XX/XXXX ( exhibit D ). I wrote back to them and explained that the bill was fabricated and I had already explained the reasons to XXXX XXXX XXXX ( exhibit E ). The National Credit Systems wrote three more letters to me ( exhibit F ) to try to collect the money. I did not pay the bill and they reported this to the credit bureaus. In XX/XX/XXXX I received a letter from the collection agency of XXXX XXXX XXXX. XXXX again trying to collect the bill from XXXX ( exhibit G ). I wrote back to them explaining the bill was bogus ( Exhibit H ). Later that month XXXX XXXX sent me a follow up letter along with documents as verification of the debt ( exhibit I ). The documents were a printout of my rent payments to XXXX from XX/XX/XXXX to XX/XX/XXXX, copies of my rental agreement with XXXX and five pictures of a vacated apartment supposedly mine after I left. The pictures, as you can see in the exhibit H, are grainy, undated and show no proof of damages listed on the XXXXs bill. On XX/XX/XXXX I was informed by my credit company, XXXX, that my FICO score had been decreased. I checked into it and my FICO had dropped almost 90 points ( exhibit J ). I contacted the XXXX Credit Bureau and found out the drop was due to the collection report by the National Credit Systems , Inc. ( exhibit K ). I called XXXX and placed a dispute on the collection issue which they are reviewing. In summary, XXXXs bill contains no proof of damages or trash removal as they assert and it is just a list of normal wear and tear and cleanup. The manager just put the word damaged in front of all items to scam the cost out of me. Furthermore, during my last year at XXXX, one of my bedrooms developed a vibrational problem due to a loose air-conditioning cable inside one of the walls so severe that I could not use it for more than one or two hours a day. The vibrations were making me dizzy and nauseous. I requested repairs to my apartment for several months and XXXX did not repair the problem while I paid full rent plus $ XXXX/month extra since I was renting month to month. I have explained the above items in details to all the parties involved and they continue harassing me for this bogus bill. These entities and organizations from XXXX to XXXX to their Collection agencies have caused me a great deal of stress and now they have damaged my credit history all for a scam and none of them have shown any proof of the damages claimed by the XXXX manager. Also please note my high credit score prior to this issue and the sudden drop in exhibit J. I have lived in different apartments in five different states for nearly forty years and have never had a single bill for damages sent to me from any other apartment complex. In fact I generally get all of my deposit refunded to me. I have no doubt that the scam played on me by XXXX and their cohorts including their collection agencies is systematic and ongoing. The outright lies and deception I have seen from these people can not be an isolated incident. Therefor I would like to request that you ask the collection agency to provide you with the proof of these claimed damages or withdraw their claim.
Company Response:
State: CO
Zip: 80108
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-09
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have made numerous attempts to have National Credit Systems be removed from my credit report do to inaccurate information being reported, I did try to verify the outstanding account with the information that is being reported on the National Credit Systems website but it shows that i do not have an account. I have not had any successful attempts in getting the information updated on my credit report to have it removed. I contacted the collection agency directly and there is a different amount the what is being reported. No one is assisting me with this issue.
Company Response:
State: CA
Zip: 92508
Submitted Via: Web
Date Sent: 2019-04-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I cosigned a lease with my daughter in XXXX. She signed 2 subsequent leases in XXXX and XXXX, and the lessor did not ask for a co-signer. The lessor is XXXX XXXX XXXX XXXX XXXX. The lessor referred a debt associated with the XXXX lease for collection to National Credit Systems , Inc . The lessor says I am not responsible for the debt. We have provided National Credit Systems with copies of the leases and they continue to contact me for collection and they reported this as a debt owed to XXXX. I have filed a dispute with XXXX. Copies of the leases are attached.
Company Response:
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2019-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: We vacated our apartment # XXXX at the XXXX XXXX XXXXXXXX XXXX, XXXX, GA on XX/XX/2018 in compliance with the terms of the lease. The management sent me an email on XX/XX/XXXX claiming unsubstantiated damages of {$650.00}. I tried to work with them and asked for evidence such as photographs but they said they did not have any. As per Georgia law O.C.G.A. 44-7-33 they should have provided me with the damages list within 3 days of the move out date and allowed me to inspect the damages within 5 days. They did neither. So I disputed the charges. Since they had already violated one law, as per the second Georgia law O.C.G.A. 44-7-35 they're forbidden to take any action against me. They still went ahead and turned it over to a collection agency National Credit Systems. When the collection agency called me twice, I notified them both the times that these were unsubstantiated charges and had been disputed.But they went ahead and reported it to the credit bureaus. I've had " Exceptional ( i.e. XXXX credit score ) for decades which has now been reduced to " Good '' ( i.e.700+ credit score ) and will remain on my credit for 7 years. This impacts my creditworthiness significantly. They have violated the laws and yet they're continuing to take illegal action against me. I request that this false collection charge be removed from my credit and that action be taken against the apartment management for violating the laws and damaging my credit. I look forward to your support in obtaining justice. Thanks.
Company Response:
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2019-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I would like to file a compliant against XXXX XXXX ( XXXX XXXX XXXX ). I am currently being charged {$2400.00} for fees that I have no idea where they come from. I was only told that I would be charged for keys ( that I returned on my move out date ) but according to the assistant manager were never returned. I worked as an XXXX for this company from XX/XX/2016 up until XX/XX/2016 and lived onsite. At the time of moving in I never signed a lease because I was a XXXX XXXX for the company. I have not received any information in the mail in regards to the balance owed and feel like this was handled unprofessionally. I am not trying to purchase a home but the process is being held up because its affecting negatively on my credit.
Company Response:
State: GA
Zip: 30329
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-04-03
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Around XX/XX/XXXX, National Credit Systems was hired by XXXX XXXX XXXX in XXXX Arizona to collect a debt that I do not owe. Neither one of the firms ever contacted me about this false debt, so that I could dispute validity ( which I found out is a blatant violation of the Fair Debt Collections Act ). The way that I happened to find out about this debt was by getting an alert from XXXX XXXX. Upon this alert, I promptly disputed the debts with the Credit Bureaus ( I was victim of Identity Theft last year and therefore I have Fraud Alerts with the Credit Bureaus ). I have also contacted National Credit Systems by phone in XX/XX/XXXX. They could not verify my personal information in this phone call. I told them this debt needs to be removed, because this debt is not mine. I assumed this matter would be resolved. But to my dismay, I got the Credit Disputes back from the Bureaus, and National Credit said they confirmed the debt was mine? I made another phone call to National Credit today. They are still refusing to provide me with any proof of this debt or demand for payment. As a note, I did find out today that this alleged debt was may be my son 's debt who has a similar name to mine. However, this Collection Agent refused to acknowledge the facts as presented and provide me proof. Also, I have left several messages with the Creditor XXXX XXXX XXXX, but they have not returned my phone call. Thanks for your help.
Company Response:
State: GA
Zip: 30013
Submitted Via: Web
Date Sent: 2019-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The collection company NATIONAL CREDIT SYSTEMS , INC has been charging me for a while now the amount of {$2200.00} and I have just been sent an offer to pay half {$1100.00}, for a concept of a debt of XXXX XXXX XXXX, ( in XXXX ),, The problem is that I have never lived in these apartments or have any debt to them ( I have been living in my house since 2008 ) I contacted NATIONAL CREDIT SYSTEMS and they told me to send them my credit report and copy of my ID,, but I did not do it because I do not want to give you more data to reinforce this erroneous collection,,, when I spoke with them they mentioned a date of birth that does not correspond with mine, " so I suspect that they do not have my correct SS, BUT THEY ARE AFFECTING ME IN MY CREDIT XXXX SCORE ( in the other 2 credit bureaus this debt does not appear ),,, They only have my name and with it they took my address to try to collect a debt that is not mine.
Company Response:
State: TX
Zip: 77530
Submitted Via: Web
Date Sent: 2019-03-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-30
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you instead of your attorney
Consumer Complaint: I have contacted National Credit Systems Inc, on behalf of XXXX XXXX XXXX, last year I advised them there is a litigation opened to correct this matter, the Collector advised me there were investigating, and they will be contacting me, i have contacted the actual owner company for this apartments, and they stated they will be correcting this problem asap, that the last XXXX was fired cause she unethically has thread on me on ruining my credit. Due to a a personal matter, she was having an affair with my husband.Since then they change management company and my credit is ruined. please help.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2019-03-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-26
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National credit systems is reporting to my XXXX credit report a debt that is not mine that is ruining my credit. I have disputed this 1000 times. I have no idea what this account is and it is not on any other reports.
Company Response:
State: RI
Zip: 02861
Submitted Via: Web
Date Sent: 2019-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I never lived here. I sent four ( 4 ) certified mail notices and two ( 2 ) emails with a sworn affidavit and a FTC Identity Theft affidavit and I am still constantly harassed for a debt that is not mine. I lived in New York at the time of the alleged debt.
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2019-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A