Date Received: 2019-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is National Credit Systems. I do not believe that I owe this company or the original creditor which is XXXX XXXX. Apparently this is a joint account which I was " allegedly '' a co-signer. On XXXX.19 I sent National Credit Systems a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XXXX.19. It is my opinion that what they sent me was not " validation ''. The company failed to provide me with a copy of the contract between me and the original creditor ( with a wet signature ). All they sent me was a statement from the original creditor, and a lease agreement that does not bear my signature.
Company Response:
State: TN
Zip: 37115
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I check my report often to ensure that the information is reporting correctly because I became a victim of identity theft shortly after moving to XXXX. I received my updated report and there was a collection for National Credit System in the amount of {$1400.00}!!! I never heard of this company and I have not received any type of correspondence from them either via phone or mail. This is a violation of my rights and I want this account removed from my credit immediately.
Company Response:
State: GA
Zip: 30296
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: There is a collection which is unknown, outdated and no verification obtainable. Requested several times. Please help National Credit Systems # XXXX
Company Response:
State: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2019-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I rented an apartment at XXXX XXXX in XXXX XXXX XXXX, Texas. I was evicted over a year ago and just found out that I was put into collections by NATIONAL CREDIT SYSTEMS. I was never notified and my phone number and email has never changed. I was never notified of charges, and never contacted by the NATIONAL CREDIT SYSTEMS or XXXX XXXXXXXX.
Company Response:
State: TX
Zip: 76119
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have tried to dispute the debt on several occasion, and also attempted to get the information from the apartment complex which they do not have. I only owed one months Rent which was {$670.00} and they are trying to collect {$1400.00}.
Company Response:
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2019-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Was not informed of debt until after being placed in the credit bureau asked for verification notice and found inaccuracies. Please provide a copy of payment history and the amount stating I owe along with signature of an agreement. Along with proof of trying to get in touch with me about the debt.Payment history first and last payment received.
Company Response:
State: FL
Zip: 32810
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Hi my name is XXXX XXXX I lived in an apartment with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX we made reports of mold out break in our apartment. They did not seem to fix the problem we also had a leak in our floor so we had mold all over there was a leak in the living room and we complained so they fix it. They took theyre time to fix things that were broken. We had bug infestation and we were getting sick from mold we tried to fix the problem our self so we gave 30 day notice we were leaving. We left XX/XX/2017 I believe and we relocated i checked my credit and I have a debt collection I was not aware of and I did not recognize any written notice about a collection or a phone call or any thing I called to ask what this was about and she said XXXX XXXX I was not notified that I can dispute this collection. They claim there was damage to my apartment and the apartment was fine when we left besides the mold Every where that they decided to do nothing about I even reported this problem to the health department and nothing was done about it. And as far as cleaning fee I did not get any receipts and I did not get my deposit refunded.
Company Response:
State: NC
Zip: 28208
Submitted Via: Web
Date Sent: 2019-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I lived in the XXXX XXXX in XXXX, Ohio for around 2 years and enjoyed it very much but communication with management was always difficult. In XXXX of XXXX i decided to move out because i was only going to be attending the University of XXXX XXXX until the middle of XX/XX/XXXX and didn't need to sign another year lease at XXXX. I contact management and continued to move out paying my final dues. I then finished school and moved back home by XX/XX/XXXX. On XX/XX/XXXX i received a collection on my report for {$130.00} from National Credit Systems. I called and came to figure out it was for utilities in the apartment. At this point I've been moved out of the apartment for going on two and a half months and was never contacted or informed i owed on these utilities. I honestly thought the utilities would be turned off shortly after i moved out. So over time i have been thinking the best way to handle this without hurting my report. I have no problem paying the collection in full, but i am most worried about having this derogatory mark on my report. My goal here is to get the collection removed from my report so i can continue my journey in good credit and business endeavors.
Company Response:
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My complaint is with National Credit Systems in XXXX, Georgia. They reach out to me in attempt to collect a debt that I didnt owe. For starters, the letter that they sent arrived practically a month from the date printed on it ( could be that they sent it out late or an issue with the postal service ). I called to let them know that I dont owe them and I paid the Original Creditor in full. They said that they dont know that but on my credit report they have it stated as I paid collection with an incorrect and false date. I never sent a payment to this collections company because I paid the original creditor. Im upset because they reported false information which shouldnt even be shown on my credit report. They are the worst and the customer service is far beyond poor, just check out the reviews on XXXX. How can they even get away with this?
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2019-02-07
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Nation Credit Systems is saying that I owe a debit of XXXX to XXXX XXXX XXXX I left that apartment with fly colors and decent history I also have my move out statement And they not remove the debit after several attempts
Company Response:
State: GA
Zip: 30022
Submitted Via: Web
Date Sent: 2019-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A