Date Received: 2017-05-16
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: When I was XXXX years old ( 6 years ago ) I signed my first lease for my first apartment. After having my apartment broken into, possessions stolen, and in fear of my safety I made the decision to break my lease, I gave them notice and I even paid the last months rent ( which I was not there for ) thinking that it was settled, but apparently not. They say I owe {$950.00} or some odd amount stated in my lease which I have reviewed my lease and do not see that anywhere, this has put a dent in my credit and the debt collection company is reviewed as terrible. They buy small debts and try to make hundreds of dollars off of them. Please help me! Thank you. The name of the agency comes up as Natlcrsys on my credit report. I tried to settle with them for {$250.00} and they claimed they would n't accept anything less than {$640.00}. Which makes no sense and is not fair.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32507
Submitted Via: Web
Date Sent: 2017-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Beginning early XXXX we worked with a company called XXXX XXXX XXXX to assist us in getting my credit in shape. They did a fantastic job and my credit score went up dramatically. One issue we were una ble to resolve was false reporting from XXXX XXXX XXXX on behalf of The XXXX Apartments in XXXX Tx. We 've sent multiple request to address a {$6900.00} balance that is absolutely fabricated. The first letter was sent in XXXX XXXX XXXX The second request for an itemized account of their reporting was XXXX XXXX . The third request was sent XXXX XXXX XXXX . After XXXX attempts with no response, I am certain the delay is due to the inability to account for the charges. No response and no removal is unacceptable ... ... ..Please help! National Credit Systems - XXXX XXXX XXXX . XXXX XXXX XXXX Phone ( XXXX ) XXXX Partial account number : XXXX Address Identification number : XXXX Original Creditor : THE XXXX
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2017-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: For the past year I 've been going back and forth with this company and Transunion is the only company left that is keeping this FRAUD on my credit report. I also have proof that I contacted transunion about the dispute on XXXX XXXX XXXX and it is now XXXX XXXX , yet I still have no word from them???? So this is addressed toward XXXX XXXX and National Credit System Dispute Letter of da te you sent in first or subsequent requests This letter is a formal notice that you have failed to respond to my dispute on ( XXXX ). As you are well aware, federal law requires you to respond within 30 days. It has now been over that period. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act an d may be i nvestigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request .... The following information therefore needs to be verified and deleted from the report as soon as possible : NATIONAL CREDIT SYSTEMS - # XXXX Status in Collection : XXXX Please delete this erroneous item from my credit report as soon as possible. You guys are also false reporting on my XXXX XXXX Account by reporting that I have missed several payments. However this is not true at all. XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XXXX XXXX XXXX Closed Date XXXX XXXX XXXX That 's the actual REAL information that you 're holding out against me. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 60634
Submitted Via: Web
Date Sent: 2017-05-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-11
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: On today XXXX XXXX XXXX a representative of the company National Credit Systems of XXXX Ga contacted me in reference to a rental property bill from XXXX . The representative answered the phone by stating my first name and then continued by questioning me about the bill. He did not verify my last name ; which has changed due to a recent name change nor did he validate any of my identity or state the Fair debt collection practice statements that are required when calling a consumer. He was unprofessional and also asked me am I avoiding paying my bill. I stated that I have not received any documentation and gave him my correct address and that I am a recent graduate and currently unemployed. The representative continued with threats that my credit was involved and also stated that he would make sure he ensured a more aggressive way to get me to pay my bill. I contacted the manager XXXX XXXX who refused to help and was also rude. I called again to verify that the representative who called name was XXXX XXXX . I would like to ensure that this representative does not contact me further, and once employed I will happily pay the bill to the appropriate organization.
Company Response: Company disputes the facts presented in the complaint
State: NC
Zip: 27106
Submitted Via: Web
Date Sent: 2017-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems XXXX XXXX XXXX XXXX, Georgia XXXX RE : Account # XXXX/Balance : {$220.00} /Original Creditor : XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Co mmission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for National Credit Systems in case legal action becomes necessary. Your claim can not and WILL NOT be cons idered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-09
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I lived in some apartments called the XXXX for six years always paid my rent on time. I am XXXX I have XXXX XXXX called XXXX XXXX . When I first moved in the apartment the lady who was first there help me fill out my paperwork. I started school 3 years after my moving in. In XX/XX/XXXX I did go to school full load for Sprin g XX/XX/XXXX , I was on some type of Hud program my whole stay. The lady who used to help me do paperwork was no longer there so I did not know neither was it explained to me that I could or was not suppose to. A year later in XX/XX/XXXX the y told I was not then I got an eviction notice. Not only that but during the time in XX/XX/XXXX I we nt without air in 98 degre es for a week because of electrical problem they kept saying was just air unit but I knew because the lights fried. I told my Mom and she told me to call corporate in Tx. I also had a real bad roach infestation t hat my Mom had to pay personally because of old neighbors moving out. I always paid my portion and only went full time XXXX semester because of stress. I am now stressed trying to make ends meat because the report is on credit and it is a heavy burden on me. I am stressed trying to work a little just to pay bills rent and eat. I think this report is conflict of interest and causing undue hardship on me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72211
Submitted Via: Web
Date Sent: 2017-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: This debt is ov er 7 years old and i m still having problems with this company damaging my credit. This company chages there name everytime i dispute negative information on this company. the bureause will remove the item but this company vwill comeback as a new company and report negative things on my year,
Company Response: Company disputes the facts presented in the complaint
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I had been disputing the collection account that is being reported on all XXXX credit bureaus. The credit bureaus keep responding that the debt has been verified. I requested the verification method that was used and they say that they get an electronic file. I requested documentation and was told that they do n't need documentation in order to verify the debt. In XXXX XXXX I sent a debt validation request to National Credit Systems in reference to a debt they are collecting which I never received a dunning letter for. The certified mail was delivered on XXXX XXXX and signed by XXXX XXXX . I have attached the proof of delivery in my documents. To date, I have not received a response but they are still reporting and verifying information with the credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have disputed this debt with all XXXX credit bureaus. They have failed to show proof of debt, but will not remove it off of my credit. I did n't not break my lease, and when I moved out there was XXXX monies owed. This was never explained to me nor did I received notification about this debt prior to seeing it on my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32825
Submitted Via: Web
Date Sent: 2017-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro 2 compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A