Date Received: 2017-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: They have a collection report on my credit report I have sent 609 letters to the company and the credit bureau to get verification that the debt is mines and ut has been over 30 days and no one has responded to me, also the company is not licenses in the state of texas therefore they are not allowed to collect any debt from me, my texas identification number they have dont match my original id therefore they are also reporting false collection on my report
Company Response:
State: TX
Zip: 77089
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I discovered this charge off on my credit report as bad debit. I attempted to contact the company about the charge off amount on my credit report that is inaccurate. I explained to the debit collector that not only was I not aware of this charge off being placed on my account but I the amount of debit is completely inaccurate.
Company Response:
State: NC
Zip: 28303
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I moved out of XXXX XXXX apartments I XX/XX/XXXX because non English speaking personnel kept entering my unit without giving any notice at all times of the day and night and management would not do anything about it. I gave proper 30 written notice that I would be moving out. I paid the {$570.00} last month rent on time and in full with a money order. I did not damage the unit. They took my entire security deposit. I did not know I was sent to National Credit Systems for this fraudulent debt until I was denied housing for property debt from this company XX/XX/XXXX. I ca n't find a place to live because of this unfair and inhuman fraud! I have never received an explanation of charges even though I requested it. Instead I received a threatening letter XX/XX/XXXX stating they rereported the false debt to all three credit bureaus and will adversely affect my credit for as long as they please because I wo n't pay them {$1800.00}. How does {$570.00} become {$1800.00}? I presume one of the management cashed the money order for themselves. Again, I have never received an explanation of charges!
Company Response:
State: OR
Zip: 97330
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone stole my identity and applied to serval apartments and now all these apartments I calling saying I owe fee for apartments searches that I never even applied for. The person who stole my identity started applying for apartments XX/XX/XXXX. I purchased a house in XX/XX/XXXX. I have no need for an apartment. So any apartments that say Ive applied for them are results of identity theft.
Company Response:
State: GA
Zip: 30238
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-20
Issue: Threatened to contact someone or share information improperly
Subissue: Contacted you after you asked them to stop
Consumer Complaint: XXXX i sent in a debt validation letter asking that they send me a copy of the dept with my signature on it .i asked that i receive all original documents. I have never received anything but a lot of phone calls.UPON SEARCHING THE TEXAS SECRETARY OF STATE DATA BASE NATIONAL CREDIT SYSTEM IS NOT LEGALLY BONDED TO COLLECT A DEBT IN TEAXS.
Company Response:
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2017-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-19
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : National Credit Systems is not the original creditor or owner of this debt. It shows that it was XXXX XXXX. This company and their corporate office was contacted and stated they have no records of any DEBT ever owed in my name. Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages. National Credit Systems redponded to the last complaint I filed with CFPB asking me complete a Affidavit Idenity Theft form. Attached to the for they stated I should not share the form with CFPB or any other company or agency.???? Im sure due to them know they would be subject to exposure of violation of the law or my consumer rights.
Company Response:
State: TX
Zip: 75006
Submitted Via: Web
Date Sent: 2017-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: National Credit systems sent me my first proof of debt on XX/XX/XXXX, I made payment on XX/XX/XXXX and sent proof of payment, they added it to my credit report on XX/XX/XXXX. The representatives name was XXXX XXXX. XXXX wanted me to submit my payment directly through her so she could receive the credit but her hours did not align with my work hours so I made payment online. After I completed my payment online XXXX XXXX was upset and as a form of retaliation she began harassing my family and myself and ultimately falsely reported this debt on my credit report.
Company Response:
State: NC
Zip: 28027
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-18
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX, XXXX, I sent a certified letter to all three credit bureaus inquiring about a debt that is listed on my credit report. The amount was approximately {$6200.00} from XXXX for an apartment complex. I was n't aware of it until I was denied residency at an upscale apartment housing complex. I received a response from the bureaus that redirected me to National Credit Solutions. On XXXX XXXX, XXXX, I sent a certified letter to NCS. Per the certified XXXX tracking notification, the letter correspondence was received by NCS on XXXX XXXX, XXXX at XXXX. After not receiving a response, I sent a second certified letter on XXXX XXXX, XXXX. According to XXXX tracking, the letter was received on XXXX XXXX, XXXX. To date, I have not received a response. In both letters, I asked for verification of the debt. I am very frustrated that I am not getting a response from this company. I am requesting this item be removed from my credit report asap.
Company Response:
State: TX
Zip: 77043
Submitted Via: Web
Date Sent: 2017-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: THE COMPANY NATIONAL CREDIT SYSTEMS HAS REPORTED A FALSE DEBT COLLECTION FOR A COMPANY CALLED XXXX XXXX XXXX, APARTMENT RENTAL COMMUNITY. THE LEASE CONTRACT THEY HAVE HAS A DIFFERENT DATE OF BIRTH AND MINE ON THE LEASE AGREEMENT, DESPITE 2 CERTIFIED LETTERS SENT TO NATIONAL CREDIT SYSTEMS, THEY HAVE REFUSED TO REPLY OR DELETE THE FALSE ACCOUNT. FEDERAL LAW PROHIBITS INACCURATE REPORTING WITH WRONG INFORMATION TO BE REPORTED TO ANY CREDIT BUREAUS. NATIONAL CREDIT SYSTEMS HAS ABUSED AND HAS IGNORED ALL MY ATTEMPTS TO RESPONCE OR DELETE THIS COLLECTION THAT DOES NOT BELONG TO ME.
Company Response:
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-12-16
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: National credit systems, i have never receive info of the debt send out letters and never got an answer, i live in tx and this company is ingeorgia? Is this legal?, try to make contact and never got an answer from them, only threats.. they said i owe money to some apartments but there is no record of this, no apartment lease renewal, or anything, i was allready living somewhere else. This is ruinning my credit they charging me {$3100.00} and never receive a proper info on this.
Company Response:
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2017-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A