Date Received: 2018-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: My original debt ( amount {$860.00} ) was with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for early termination of my lease in XX/XX/XXXX due to a job transfer. On XX/XX/XXXX, I personally delivered a cashier 's check for the full amount amount which was signed by the Assistant Manager on duty. I also have a letter from XXXX which they faxed to my current renters showing that I have a XXXX balance with their company ( attaching copies ). A couple of months later ( after payment ), I started receiving call/mail from National Credit Systems in an attempt to collect this debt. I kindly explained the situation and sent them copies of the paid amount via cashier 's check. Till this day they continue to contact me me via calls and mail even after I've submitted disputes via the 3 credit bureaus and even hired a credit repair agency which also sends letters on my behalf.
Company Response:
State: IL
Zip: 606XX
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XX/XX/XXXX of 2017 I moved out of a condo at, due to XXXX XXXX XXXX not resolving issues of black mold in my unit and not fixing my A/C unit for 1 month and a half which conditions were not safe for me as I already have major health issues. Also found out their was a water leak in my unit that damaged condo below me. I contacted Code Enforcement, they came out fix up things a little but did not further investigate black mold issues, not having A/C made it worse. I wrote a 7 day notice letter to them explaining I am moving because they breach contract agreement. I moved out on XX/XX/2017. XXXX XXXX XXXX still did not chose to fix issues. Instead they over charged me for wall damage and blinds that was broken by XXXX XXXX company and overcharged me to paint walls and a fee to replace a tenant in unit. I found out later they have put these charges against my credit which I didn't receive any letter to dispute. Also found out This company has done many other consumers the same way and they also had similar issues.
Company Response:
State: FL
Zip: 34761
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National credit systems Inc placed an collection account on my credit file XX/XX/XXXX for the amount of {$500.00} disputed with company in XXXX of XXXX and they have refused to remove information from my credit file
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am writing due to National Credit System is trying to collect on a debt that is not accurate. Two of the credit bureaus have remove this inaccurate information from my file. This company according to the State of Florida secretary website shows this company not active to collect in Florida. I have attached that document.
Company Response:
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-22
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Illegal eviction was filed and a consent judgement was rendered with no charges as of XX/XX/2016. The collector is trying to collect a debt that is not owed. In addition to the attempt to collect a debt that is not owed I am also currently trying to delete the filing of the eviction off my credit report considering it was illegal and the creditor initiated the dismissal.
Company Response:
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2018-03-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-21
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I lived at the apartment complex in XX/XX/XXXX and moved put after lease was up. Moved back in XX/XX/XXXX and had no problem. In XX/XX/XXXX I had a XXXX XXXX and was unable to care for myself and my XXXX yr old son. I talked to the manager and he asked for letters from my Dr that I was unable to be alone. He asked to clean apartment and leave ready to be rented and he would write a letter that I would be released from my lease. I had the apartment cleaned by a cleaning the company and had carpet steamed cleaned. I had the office come check they said it was good. To come back the following Monday this was Wednesday. I returned on Monday the apartment was rented and he said he was no longer the manager and I would get reported and he would ruin my chances to ever rent unless I paid XXXX. I talked to them numerous times to try to come on agreement but they would not work and said they would keep putting it on my credit report.
Company Response:
State: CA
Zip: 93041
Submitted Via: Web
Date Sent: 2018-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-19
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I submitted a CFPB compliant # XXXX against National Credit systems onXX/XX/XXXX. and here was there response to the complaint : Company 's response This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX is disputing this debt because of the charges assessed to her by the XXXX XXXX XXXX.. These charges were not assessed by NCS. Naturally, she would not have a contract with NCS since her agreement was with XXXX XXXX. XXXX XXXX has disputed his debt and NCS ; and, as required by law, has submitted her dispute to the CRA 's. We have conducted an investigation of XXXX XXXX XXXX dispute. The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX is disputing this debt because of the charges assessed to her by the XXXX XXXX XXXX.. These charges were not assessed by NCS. Naturally, she would not have a contract with NCS since her agreement was with XXXX XXXX. XXXX XXXX has disputed his debt and NCS ; and, as required by law, has submitted her dispute to the CRA 's. We have conducted an investigation of XXXX XXXX XXXX dispute. The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions. National Credit systems also stated in the compliant : Company 's response The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. However I never received anything in the mail of the outcome of there investigation so I would be able to identify the specific item of information that I have been disputing : nor have I not been giving the opportunity to explain the basis for the dispute. Furthermore I sent National Credit Systems a Certified Letter by mail on XX/XX/XXXXrequesting for documentation and they have yet to respond to my Dispute and letter request.
Company Response:
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2018-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have repeatedly contacted XXXX XXXX and XXXX XXXX via phone and email explaining the problem over and over and asking for progress on getting this removed from my credit reports. I get no response. This has been going on for months now. In XX/XX/XXXX, I sent NCS pay stubs showing amounts taken from my pay, which indicated that XXXX XXXXXXXX XXXX debt was paid in full. They still claim not to have received all of the {$1700.00} plus that was taken from my pay, even though the pay stubs that prove it. They claim to only have received about {$700.00}.
Company Response:
State: VA
Zip: 22031
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-15
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: Spoke with XXXX XXXX in legal on XX/XX/18. Asked about why the debt was previously turned over to an attorney and now back at the credit collection agency. On a recorded line, she stated that they hired an attorney to garnish wages and income. Advised that XXXX XXXX receives government money. After asking to repeat herself because I can't understand what she was saying, she hung up the phone. The reason why she would not repeat herself is because she threatened to cease property and garnish the money that we have. We have tried to dispute all the charges assessed by the apartment complex. We have previously asked for the receipts of the charges and services they are charging for. This debt is not belong to XXXX XXXX and it not owed. We want an accounting breakdown with supporting evidence of the receipts for the services paid for to justify these charges. Also, it is a catch22 to be charged because we didn't give notice before moving out when they did a " 3 day no option to cure ''. I would like a copy of the " 3 day notice '' we were given, as XXXX XXXX stated we don't need this and asked a lot of questions concerning this notice. I want to know why they don't have a copy of this on file. Also, the company is double charging for a water bill twice, in the amount of {$60.00}. Charges on both account numbers XXXX and XXXX are for the same water/electric bill. Please show me a copy of both water bill. Remove these from the credit reporting and delete the trade lines.
Company Response:
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2018-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-03-14
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted your employer
Consumer Complaint: I dont know the debt they are speaking about and it has been disputed numerous times on my credit report they continue to use scare tactics and now have started calling my employer from what I can see the debt is over 7 years old and they cant and wont provide any information. I am currently working with a company to resolve these types of issues and now they have started to contact my employer.
Company Response:
State: GA
Zip: 30005
Submitted Via: Web
Date Sent: 2018-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A