Date Received: 2018-02-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To whom it may concern : I am writing this letter in an effort to have a negative collections removed from my credit report immediately. I do not believe that this reported information is accurate or substantiated. I have been told for months that this charge of {$1200.00} was related to unpaid rent for XX/XX/XXXX AND that I didnt evacuate the unit until XX/XX/XXXX ( according to XXXX XXXX XXXX ). I knew this information was in accurate because I signed a new lease and was living somewhere completely different as ofXX/XX/XXXX. I signed a new lease on XX/XX/XXXX with XXXX XXXX XXXX. After more than 2 1/2 years of living at the property and countless incidents that created bad experiences for me ( complex water being turned off, broken a/c for more than a year, break-ins, neighbors physically fighting consistently, etc. ) I decided that I could no longer stay at the property. I had threatened to leave on many occasions but my daughters school was less than 5 minutes away. And as a single parent, it was just more convenient to stay close to her school and go to work. I received countless calls and letters on my door asking me to extend my lease. On XX/XX/XXXX I sent a note expressing I would stay until XX/XX/XXXX. But after an erroneous, distasteful late payment accusation, several car thefts and consecutive nights of listening to gun shots, I went to speak with the leasing office to say No More. My lease was ending in XX/XX/XXXX and I did not intend on staying one day over it. I did not feel safe anymore and the community management was poor. I was greeted by an agent named XXXX, she was very familiar with me and had me to write down on a paper that she provided the new date of my departure and assured me there was no penalties. It was at this time that I WAS TOLD 60 DAYS NOTICE WAS NOT REQUIRED FOR TENANTS WHO STAYED THROUGH THEIR LEASE TERM. She explained 60 days notice was required to break a lease. But this was not the case with me and I would just need to move out before XX/XX/XXXXo avoid any fees. I told her more than likely I would need to stay through the weekend due to my work schedule, but would try my best to evacuate before XX/XX/XXXX I specifically asked her if there was anything that I needed to do and inquired about the process for a walk through. She said this was optional and based upon staff availability. I requested a walk through via email on more than one occasion -- I received no reply. OnXX/XX/XXXX-XX/XX/XXXX, I rented a XXXX and my daughter and I moved out of XXXX XXXX into a townhome. I returned the keys to the property on Tuesday, XX/XX/XXXX. I asked XXXX to complete a walk through and was told they were short staffed, and they would be contacting me if there were any concerns. She collected both keys. The very next communications I received was regarding unpaid balance from XXXX XXXX XXXX approximately in XX/XX/XXXX. I immediately disputed the charges and contacted the property. I could never get an explanation of what happened and the staff was constantly changing and leaving the property so month after month I was retelling my story. XX/XX/2017 I drove to the property to have a face-to-face conversation with the manager regarding an explanation of the charge. I spoke with XXXX, who at the time was very helpful. He reviewed the account and showed me a XXXX balance in the ledger. He confirmed that I had a good payment history, and then he questioned me about the date that I had actually returned the keys. He expressed he showed no record of the keys ever being returned. I told him that I had given the keys to a leasing agent name XXXX on XX/XX/XXXX. I asked him what we needed to do to resolve this and to prove that I was not living in the unit at this time. He told me to request a letter from XXXX XXXX showing that the electricity was not in my name in XX/XX/XXXX. I did exactly that and XXXX faxed over a letter to XXXX XXXX showing that the utilities were in the properties name in XX/XX/XXXX. While there that day, and on several other occasions I requested for a lease to be provided for my review. Till this day I have not received a copy. After disputing this with the credit card bureaus, the item was removed from non-response. It is currently there again. I reached out to XXXX again, and this time he expressed the {$1200.00} was for liquidated charges for not giving 60 days notice on a lease that was not being renewed. I am in the process of purchasing a home and this negative collections is causing me major problems with lenders. I am being told that this {$1200.00} for a landlord debt looks much worse than my student debt from XXXX University. At the end of the day I was a good resident and I feel disappointed and dismayed that property would treat me like this, especially given the amount of stuff I endured during my stay.
Company Response:
State: GA
Zip: 30349
Submitted Via: Web
Date Sent: 2018-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-22
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Me and my husband contact the company National Credit System because we received many letters and calls about a debt collection owed with approximately amount of {$1500.00} but we paid in full in XX/XX/2017 direct with XXXX XXXX the company with the issue but this people want we paid double, and I try send the evidence by fax but their collector XXXX XXXX was rude and she gave me a wrong fax number, and now this company public in our credit the collection.
Company Response:
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2018-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
Company Response:
State: IN
Zip: 46234
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: This company has chosen to attempt to collect a debt that is not due and has not been verified. As a customer and the person they are accusing of owing this debt I can attest to them placing this debt on my credit with neither a contract or any attempts to contact me. Also the company who sold this debt is a private real estate management company who's tactics are unethical, they do not honor their contracts and have not made the proper attempts to seek any form of payment for the debt they claim I owe. These actions from the two aforementioned parties have costed myself and my family on several occasions to live in places we did not desire to live and has changed our finances in different ways. Due to the malpractice of this collection company, I now have a blemish that I have never had before and would advise anyone that if they are dealing with this situation to take an action.
Company Response:
State: GA
Zip: 30035
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: This leasing company has been the most unprofessional business I have ever dealt with. While renting from this company I have experienced the following issues : rats and rodents infesting the home within the walls and under the property, damaging some of our items that they never reimbursed us for ; breaking the lease they wrote by being non compliant with every repair. Upon move in the management company advised us that the roof had damage ( a huge hole ) which was not repaired for the first two months of the lease. Not to mention they had terrible plumbing issues that we had to beg them to come fix. I have had companies come over to fix electrical issues as well. They stated they would never do business with this company again. The company which is ran by XXXX and his wife ( unknown name ) is very unprofessional with their communication the wife caused open confrontations with us the tenants several times over the course of our lease to the point where we advised them that she was not to come to the property. They have also made up charges such as 500 % holdover fee. Which is not stated anywhere in our lease. They have turned this made up charge to a credit company to in return damage our good history, not to mention they took out deposit and also made up claims that just were not true. The last complaint is indeed true and I have a very similar experience. Also I have never heard from the collection company in regards to this debt. They tried to tarnish my good name and never sent me proof of anything.
Company Response:
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have sent several letters to all three credit bureaus asking for them to remove a debt from National Credit Systems, after they have failed to validate that the debt belongs to me. All I am getting is " this account is verified. '' HOW? How, is it verified when you can't send me a signature, a lease, or anything! The creditors name is XXXX XXXX XXXX, for the amount of {$2300.00}. I most recently asked XX/XX/2017. They still can not prove that this debt belongs to me. By saying that it is " verified '' is not enough proof that this debt is mine.
Company Response:
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2018-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XX/XX/2017 National Credit Systems placed an item on my credit report as a collection account for {$460.00}. I have no record or account of this debt owed to this company, nor do I know who this company is. I never received any kind of verification of debt by phone, email or mail. This account is not mine and I would like for the false, erroneous and unverifiable information to be removed from my credit report immediately.
Company Response:
State: MS
Zip: 386XX
Submitted Via: Web
Date Sent: 2018-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: XX/XX/XXXX National Credit Systems , Inc . I asked The supervisor XXXX XXXX to give XXXX authorization to remove a Paid debt from my credit. Amount {$670.00} paid XX/XX/XXXX. XXXX XXXX said no that she would not talk to anyone from the XX/XX/XXXX or any Credit Bureau, when I asked her why XXXX XXXX said it was against company policy and it was not worth losing her job. I asked to speak with her boss and she said NO. I asked her again for her to give me her supervisors name and was told no. I asked her who owned the company and a direct phone number and she lied to me and gave me a false Name and Email and no number. This is not acceptable business practice by any means..
Company Response:
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I submitted a letter to National Credit Systems on XX/XX/XXXX asking them to verify apartment debt and they mailed me back a settlement letter. They completely ignored my request to have the debt validated.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2018-02-15
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
Company Response:
State: TX
Zip: 76133
Submitted Via: Web
Date Sent: 2018-02-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A