Date Received: 2023-09-17
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I did not give this company to transfer my account to a third party collections company without my consent. ACCOUNT # XXXX CHARGED OF BALANCE : {$3400.00} DATE OPENED XX/XX/2019 NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 32773
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am writing to dispute the debt that is currently appearing on my credit report. According to my records, I do not owe this debt and it is not mine. I request that you provide me with proof of the alleged debt, including the name and contact information of the original creditor, the amount of the debt, and any documentation that you have to support your claim. I also request that you notify the credit reporting agencies that this debt is in dispute and request that it be removed from my credit report until the dispute is resolved. If you are unable to provide me with proof of the debt, I request that you close the account and remove all negative information from my credit report. Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and I will not hesitate to take legal action if necessary to protect those rights. Thank you for your attention to this matter.
Company Response:
State: FL
Zip: 32250
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-17
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I sent the letter of validation of debt forms company failed to send all 4 legal documents back after 30 days of receiving the debt validation form. Therefore this collection legally needs to be removed from all 3 credit reports.
Company Response:
State: NV
Zip: 89074
Submitted Via: Web
Date Sent: 2023-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a letter of collections from NCS two years after I moved out of an apartment. I did sign the lease for the year in question, however, never received any notice of anything as i had left and my ex stayed in the house. Upon this notice I proceeded to request via call on XX/XX/XXXX of XXXX a validation of the debt as I never received notice and had no knowledge of what the debt was. I proceeded to send a letter as well to come to a common ground. On XXXX XXXX XXXX I received a breakdown of charges all addressed to the primary lease holder and not myself, which only validated XXXX of the XXXX they are trying to collect on. On XX/XX/XXXX of XXXX I received a return call from NCS on which I proceeded to inform them I only received 2 pages of the original contract and only see about XXXX of validated charges. I requested the full lease and for them to validate the other charges. XXXX ( the rep ) proceeded to ask me to leave a voicemail for his XXXX in which he would call me back. With no response, I then received a letter in the mail on XX/XX/XXXX of 2023, informing me that due to lack of contact they will be reporting me unless I reach back out. I feel this is incomplete validation of debt. We are going on almost 2 months of not being able to provide me with full validation of the debt. I also feel that I am being threatened during this dispute as I have not received contact upon request. Please help me understand my rights.
Company Response:
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-16
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I requested the following : 1. An agreement between their agency and the original creditor showing that they are authorized to collect this debt in their behalf. 2.original agreement between the alleged debtor and the original creditor showing where they agreed to payment terms. 3.amount of commission paid to debt collector if debt collection is successful. 4.name and address of original creditor. 5.address on file for the alleged debtor. If these items can not be furnished with 30 days I request the item be removed from all credit bureaus, XXXX, XXXX and XXXX.
Company Response:
State: NY
Zip: 10901
Submitted Via: Web
Date Sent: 2023-09-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Spoke with XXXX at XXXX XXXX XXXX on XXXX XXXX regarding 30 days ' notice to move due to my daughter being bullied which I have a police report for. I was told I could give 30 days ' notice instead of XXXX and they would waive the additional fees. I provided my forwarding address. My daughter was bullied, and we had our door kicked so I filed a police report. The Ledger from Property did not address this until 6 months after I had moved out. I have been harassed and threatened to sue. I have addressed this with the collection agency. I have paperwork.
Company Response:
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My name is XXXX XXXX. I have requested a debt verification about 3 months ago and have since been in contact with me debt collector " National Credit systems ''. They have failed to provide me this information which makes me believe that this debt isn't valid according to the FCRA. My SSN : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Colorado XXXX. Phone number : XXXX.
Company Response:
State: CO
Zip: 80916
Submitted Via: Web
Date Sent: 2023-09-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to bring attention to a concerning matter concerning my credit file. I have observed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Furthermore, I hold serious doubts about the accuracy of the debt being claimed. As per the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Thus, I kindly request that you provide me with the required validation and take appropriate actions to address this issue.
Company Response:
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was continually talked over. Was told I would receive documents via email when I went to email and junk mail and could not find what he said he sent, he then changed delivery method to US Postal Service. Was told by XXXX XXXX ( XXXX XXXX, but when I called back was told by operator that XXXX XXXX who is in charge of collecting thus already paid amount for breaking a lease on a XXXX infested, Mold filled, contaminated apt that I had an air quality test done on but was still required to pay to leave such medical unhealthy accommodations, was not XXXX another lie because the person I spoke with when I could get a word in had an XXXX accent ) that XXXX XXXX XXXX XXXX again requested in XXXX XXXX collection of this alleged debt then he changed this statement to XX/XX/XXXX as last time XXXX XXXX contacted National Credit Systems. XXXX XXXX stated he would contact XXXX XXXX and verify debt but seems like a lie. This should have been done already. Unscrupulous tactics that include lying. This happened today but with all the lies I just don't believe this company will follow through and check for accuracy of amount already paid or send the documents. I followed up with an email to them requesting everything with address provided.
Company Response:
State: LA
Zip: 70601
Submitted Via: Web
Date Sent: 2023-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-14
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: National Credit ServiceXXXXXXXX XXXX XXXXXXXX XXXX {$3500.00} amount. Company constantly place on my report with various companies the same debt. Please have this company to delete this information on my XXXX, XXXX, and XXXX report, this is damaging. I am homeless XXXX yrs old need this inaccurate information to be taken care of constant identity theft.
Company Response:
State: MD
Zip: 207XX
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A