Date Received: 2018-12-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On Friday, XX/XX/2018 a representative of National Credit Systems , Inc. called my wife, and in the course of the conversation, threatened to damage her credit, and said that they could report the debt to credit reporting agencies at any time.
Company Response:
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-12-17
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have no knowledge or ownership of this account. Please provide original proof of debt and ownership ex : Bills, Contracts. my stated I.D, Signature. any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act and The Equal Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act. Please make sure Credit Laws for State of North Carolina and federal Laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau, FBI, and Federal Trade Commission and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in Federal Court for violation 's ~815 ~808 ~809 of Federal Credit Law. National Credit Systems is reporting inaccurate information on my credit report. The account in question is not my account. I have contacted NCS to get this matter resolved just to be cursed at, hung up on, yelled at, not giving me any information and very unprofessional. I filed a XXXX complaint and in there response NCS lied and stated that they were reporting a different name on my credit report. This company has taken advantage of me and I need someone to investigate this situation As you will see in the documents attached NCS has lied to the XXXX in reporting XXXX XXXX XXXX on my credit report and as You can see NCS is actually reporting XXXX XXXX XXXX on my credit report. Neither of the accounts belongs to me.
Company Response:
State: NC
Zip: 28277
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2018-12-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: On XX/XX/2017 I recieved a debt I felt I shouldnt have to pay from a apartment I use to live at amount is XXXX we told the lady we was leaving and we finish our lease but she told us if we dont come sign papers then we automatically will been put into a month to month contract so weird right? How are you going to put us into something without or permission all we have to do is tell you we are not resigning to stay just like any other apartment I stayed or anybody else I know stayed everyone I talked to said that sounds stupid and looks like they are trying to get over on you. This is wrong
Company Response:
State: AZ
Zip: 85032
Submitted Via: Web
Date Sent: 2018-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On or about XX/XX/2018 approximately XXXX hours. I received a phone call from XXXX XXXX of NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA. The agent XXXX XXXX stated I owed XXXX XXXX {$3500.00}. I explained to the agent the debt is fictitious, and to cease and desist all communication with the aggrieved party XXXX XXXX. I have no contract nor engaged in commerce with NATIONAL CREDIT SYSTEMS or any subsidiary. The agent taunted, became belligerent and before hanging up abruptly! The agent ( XXXX XXXX ) stated " That's why it's going to be placed o your credit report ''. On XX/XX/2018, I forwarded a CEASE AN DESIST letter to : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, XXXX. to the attention XXXX XXXX. On XX/XX/2018, I received notification from XXXX XXXX and XXXX that NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA indicates I owe {$3500.00} in debt. This shows the malicious and criminal practice of this company. I have no contract and never engaged in commerce with the criminal organization. The company has committed a crime against the XXXX XXXX XXXX along with using subversive tactics to prevent any dispute of this fictitious claim.
Company Response:
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2018-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XX/XX/2018 {$1500.00} XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX PROPERTY MANAGEMENT COMPANY CLAIMS EX-TENANT ( consumer ) LEFT RENTAL UNIT IN DISREPAIR AND IS EXTORTING CONSUMER OWES THE ABOVE AMOUNT OF {$1500.00}. CONSUMER IS DISPUTING THE VALIDITY OF THIS CLAIM AND CONSIDERS THIS TO BE EXTORTION.
Company Response:
State: FL
Zip: 34243
Submitted Via: Web
Date Sent: 2018-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-16
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I summited 4 rounds certified verification letters FCRA SECTION 609 ( a ) ( 1 ) ( A ) to ( XXXX XXXX, XXXX, XXXX ) and a debt collection verification letter certified to NATIONAL CREDIT SYSTEM certified letter sent to XXXX XXXX XX/XX/XXXX. AMOUNT OF UNVERFIED DEBT {$2600.00} CERTIFIED LETTER SENT TO XXXX ON XX/XX/XXXX CERTFIED LETTER SENT TO XXXX XX/XX/XXXX DEBT VERIFICATION CERTFIED LETTER MONTH OF XX/XX/XXXX TO NATIONAL CREDIT SYSTEM. I DID NOT GET A RESPONSE FROM THE DEBT COLLECTOR ON THIS UNVERFIED " DEBT '' ALL THREE AGENCY SENT " VERIFIED '' AS A RESULT OF THE VERFICATION I SUMMTITED SECOND ROUND OFLETTERS TO ALL THREE AGENCY ( XXXX, XXXX, XXXX ) IN THE MONTH OF XXXX THE RESULTS WAS THE SAME " VERFIED '' I SENT A THIRD ROUND OF VERIFICATION LETTERS AS WELL AS METHOD OF VERIFICATION TO ( XXXX XXXX, XXXX XXXX ) IN THE MONTH OF XX/XX/XXXX AND AGAIN IN XX/XX/XXXXAND NEVER HEARD BACK FROM ANY OF THE CREDIT AGENCY.
Company Response:
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: They contacted me numerous time by phone in 2014. They told me that if I didn't pay then my credit would be damaged. They never showed me a signed contract between them or the original creditor or any proof that I owned this debt. In turn my credit score has dropped and the original creditor listed on the account is not even a location I am or have ever been familiar with. I have paid on this debt and the information on the account is inaccurate and was sold to a third party that I am not responsible for.
Company Response:
State: NC
Zip: 27105
Submitted Via: Web
Date Sent: 2018-12-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: They are not investing my dispute. They claim I owe money to an apartment that actually owes me a refund. I have the invoice from the apartment and they are still not investigating. I spoke to someone at NCS on XX/XX/2018 and again on XX/XX/2018. I have sent them multiple emails with documentation and they have still not completed a proper investigation.
Company Response:
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2018-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XX/XX/2018 - We received a collections letter from National Credit Systems claiming we owe a debt ( see " XX/XX/2018 - Letter from National Credit Systems.pdf '' ). XX/XX/2018 - We responded with a letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). XX/XX/2018 - We received no reply from National Credit Systems and followed up with another letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ). XX/XX/2018 - We received no reply from National Credit Systems and observe that a derogatory debt with National Credit Systems has been listed on our credit reports with the major credit bureaus. We filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and notified the credit agencies via certified mail of the unvalidated and false information listed on our credit reports.
Company Response:
State: WA
Zip: 98272
Submitted Via: Web
Date Sent: 2018-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-12-12
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Per review of XXXX credit report from XX/XX/2018 I discovered an outstanding account that I had no knowledge of and a validation letter was sent out requesting more information. On XX/XX/2018 I reviewed my credit report again and noticed that the account was updated to reflect as disputed however requested validation information had never been received and a 2nd validation letter was sent out. On XX/XX/2018 credit report was reviewed once more and the account remains on my credit report, affects me negatively and I still have not received any validation.
Company Response:
State: TX
Zip: 78201
Submitted Via: Web
Date Sent: 2018-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A