Date Received: 2018-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I have been fighting identity theft since XX/XX/2016. My credit score is all messed up. Accounts are being opened under me fraudulently. And I have a lot of medical bills ... been sick for many years. I am not able to work right now and I have no money to pay the hospital bills .... and bc of all the collections, I am suffering sooooo bad STILL and Im only XXXX. I have never lived in the apartments your company is collecting for. So please work this me! Yall are trying to collect {$8000.00}. I dont have a single dollar to my name right now and I cant even get a small loan to pay a bill because your company is trying to COLLECT {$8000.00} FOR SOMETHING I AM NOT RESPONSIBLE FOR
Company Response:
State: TX
Zip: 76227
Submitted Via: Web
Date Sent: 2018-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: The original creditor XXXX XXXX XXXX XXXX in XXXX, South Carolina cashed a check I wrote for {$300.00} for a pet deposit. However they sent me to collections saying I owe {$340.00}, not factoring in or including my previous payment. My account was handed over to NATIONAL CREDIT SYSTEMS where they inquired about payment of this {$340.00} in XX/XX/2017. Later in 2017 I sent them an official letter disputing the charges, saying they were not valid, and requesting proof of debt. I also sent them proof of my check cashed by XXXX XXXX XXXX. They did not/have not responded to me since. However the collection debt is still open and on my credit report, and negatively affecting my credit score. Since I have requested proof of debt, and since I have provided proof of payment, the creditor should comply with these requests.
Company Response:
State: SC
Zip: 29690
Submitted Via: Web
Date Sent: 2018-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We signed a lease with an apartment company XXXX XXXX in XXXX LA. They made us buy rental insurance in lieu of deposit and stated any damage would be charged to policy. We fulfilled our lease and gave 30 day notice. THERE was no damage to the apartment when we moved out. I have copies of 30 vacate notice letter. They turned over a claim to debt collection place. National Credit Systems., XXXX XXXX GA They have placed this debt on my credit report. I have never heard a word about this until now. I would think they defrauded the insurance company also. This is tantamount to extoration. I work very hard to keep good credit and pay my bills.
Company Response:
State: LA
Zip: 712XX
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: On XX/XX/2017 National Credit Syst appeared on my credit report. They are attempting to collect a debt that I owed with XXXX XXXX XXXX, which I never owed anything. The amount is {$1500.00} and this is false as I never was told I owed anything. I have tried to contact XXXX XXXX XXXX a dozen times to gather information about this issue and I can not get a hold of management at all. I left messages to try to resolve this issue and they don't respond. After a month or so goes by this company National Credit Systems appears automatically on my credit report with no options to pay before it hits my credit report. I believe this is wrong of both companies to fail me and my spouse on the fees that I owe and don't understand. There were no kind of explanation to why this is owed. We completed the lease agreement and were free of any extra charges as the company could have possibly made up fees or hidden fees that we were not made aware of. This is hurting my credit and I need to be able to find a place to lease and or obtain a mortgage, but with this Company holding my credit down it has been hard to establish a home of my own.
Company Response:
State: AZ
Zip: 85019
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Within the past year, I moved out of an apartment complex that tried to charge me fradulent fees, in the amount of {$290.00}, for painting the apartment. The complex is the XXXX XXXX XXXX, in XXXX, OR. They claimed that the painting was due to black smoot on the walls due to smoke. I contacted the complex to inform them that I never caused any smoke in the apartment, and that I was not responsible for the painiting fee. They tried to extort money from me by threatening me to pay, or they would send me to collections. I refused to pay, since the damages they are claiming, were not caused by me. They did report me me to National Credit Systems who are now trying to collect the fradulent charge, and also are negatively affecting my credit. I charged XXXX, XXXX, and the collections agency with providing proof that I caused smoke in the apartment, whether it be from video or pictures of me producing smoke in the apartment, or a 911 call saying that the authorities were contacted on a specific date, due to me causing a fire or smoke in the apartment. No proof has been provided, and the credit agencies won't fight on my behalf for them to provide proof that I caused any smoke damage to the apartment. I can also provide proof that there were wildfires in the area, during the time that I lived there and if there is even the remote possibility that there was smoot on the walls, it was probably due to the wildfires, which is not my fault nor should I be liable for it. I have no other simple way to say this, other than to say that the apartment complex is trying to extort money from me, with no proof that I caused the damages that they claim.
Company Response:
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been fighting a collection for an apartment that I do not owe on. National Credit Systems is trying to collect on a debt from XXXX XXXX Apartments. I am a police officer and worked for the apartment complex as there private security guard and was given a substantial reduction in rent in exchange for pay. They were bought by another rental agency. When my lease was up I was told that so was the former arrangements and I could either sign a new lease at the inflated rate or move out. I chose to move out, turned in my keys and completed a walk through. I was never contacted by the complex again. Then in XX/XX/XXXX National Credit System started reporting on my credit report. I never receive mail or phone call for this collection and only know of it because I subscribe to a credit monitoring site that shows this collection name along with the apartment, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ). I have tried to reach out to the apartment that has now changed hands 4times and has no record of me, also to the collection agency that refuse to respond or provide any proof of collectoin.
Company Response:
State: TX
Zip: 78245
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-11
Issue: Written notification about debt
Subissue: Notification didn't disclose it was an attempt to collect a debt
Consumer Complaint: I lived in XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. When I moved out, I was not sent a bill through paper mail or any other outlet. I was not notified that I could dispute the debt. I did not receive notification until my bill had been sent to collections without my knowledge and it was shown on my credit report. The bill was {$250.00} for carpet replacement and extensive trash removal. I tried contacting the apartment office through many outlets and received no response. I do not believe the debt belongs to me, I believe it belongs to the person who rented the other unit in the apartment.
Company Response:
State: AL
Zip: 36265
Submitted Via: Web
Date Sent: 2018-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-10
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: To whom it may concern : I have several collection accounts on my file from a collection agency named NATIONAL CREDIT SYSTEMS. The accounts and account # s are as follows : -National Credit Systems/XXXX -National Credit Systems/XXXX -National Credit Systems/XXXX Please be advised that I am disputing these collections due to NATIONAL CREDIT SYSTEMS at XXXX. XXXX XXXXXXXX, XXXX, GA XXXX not currently have a valid license in the state LOUISIANA to collect on debts. This information is stating that there is currently no valid license for NATIONAL CREDIT SYSTEMS addressed at XXXX. XXXX XXXX, XXXX, GA XXXX, according to Louisiana Secretary of State website, XXXX XXXX XXXX I am requesting the the matter be investigated and delete these accounts from my credit file ( each credit bureau ) immediately or provide me with physical proof that NATIONAL CREDIT SYSTEMS at XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX is licensed to collect debts in Louisiana and a debt agreement signed between myself and XXXX XXXX XXXX at XXXX. XXXX XXXX, XXXX, GA XXXX. Your immediate response will be greatly appreciated.
Company Response:
State: LA
Zip: 711XX
Submitted Via: Web
Date Sent: 2018-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX XXXX, GA XXXX Is reporting and unknown debt of {$4500.00} wolfcreek appartments to all 3 major credit bureaus in an attempt to collect a debt. I didn't receive any 30 day notification to of debt collection prior to reporting it in order to dispute it according to my rights under the FDCPA. Debt Collection Agencies are required to notify me by mail at a current address 30 prior to validating the debt. This is not and acknowledgment of this unknown debt collection.
Company Response:
State: MO
Zip: 65803
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-10-08
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have an outstanding debt in collections I noticed on my XXXX XXXX statement. The company claims that I owed for an apartment when I was never on the lease and the address that they are claiming i owe money to is wrong. The apartment has reached out to me in response and said there is no record of owing anything. This lease is not legitimate because I am not on the lease and the address is wrong and there is no record of me owing debt from the apartment complex.
Company Response:
State: SC
Zip: 29730
Submitted Via: Web
Date Sent: 2018-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A