Date Received: 2017-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company is trying to collect debt that is not owed. Me and my attorney pointed out all the wrongs they are trying to collect on and we have not heard from them from the last dispute and it has been over 30 days. I do not owe them anything and have never done business with them ever. I want this company investigated. Ask them to send you what they sent me and you will see it makes no sense. They are scamming consumers.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: GA
Zip: 30106
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems Inc st ated that I owe {$1000.00} To XXXX XXXX Apartments. I have been to the apartments which no longer exists and to the courts which no longer have any records of this
Company Response: Company disputes the facts presented in the complaint
State: GA
Zip: 303XX
Submitted Via: Web
Date Sent: 2017-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My son was a student at XXXX XXXX XXXX . I " co signed '' his one year lease. " Guarantee '' One year later he took a new lease, new date, new dollar amount. I did NOT co sign and did not guarantee the seco nd lease. Landlord is trying to hold me responsible. The landlord has hired National Collections of XXXX Ga. to collect on unpaid rent and damage to apartment. The bill collector removed the staple from the first lease, removed the signature page with my signature from the first lease and attached it to the second lease in attempt to imply I co signed second lease. My evidence is clear from date on the " guarantee '' and from date of public notate signatory. Please help me have this removed from the XXXX credit reporting files : XXXX XXXX XXXX XXXX
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: NY
Zip: 10065
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I contacte d National Credit Systems on XXXX XXXX , 2017 . I spoke with XXXX XXXX est. She informed me that she was indeed a debt collector. In good faith I demanded her to provide me with proof of this debt, specifically the alleged contract or instrument bearing my signature, as well as proof of her authority in this matter.Absent such proof, must correct any erroneous reports of this past debt as mine. I provided an updated address.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-05-01
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted both National Credit Systems and XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since XXXX of 2016. National Credit Systems is claiming that I owe a debt of {$4000.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30083
Submitted Via: Web
Date Sent: 2017-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: National Credit Systems # XXXX ( XXXX XXXX XXXX , XXXX , GA XXXX , ) ( XXXX ) XXXX ) Placed Collection Balance {$1000.00} dated XXXX / XXXX / 2017 Creditors where the XXXX XXXX XXXX XXXX XXXX I lived at these residents 4yrs ago I stop living there in good standing never had a broken lease the apartment people put this fraudulent frivolous amount on my credit saying I owe them after I moved out the resident for what I do not know I was not taken to court or placed under eviction also the apartment was filled with bed bug that 's why I moved. Please handle this complaint for me and let me know what I can do as a consumer to get this off my credit I feel like I am being abused by the apartment complex because I never had any problems with them and I feel like this is a unfair
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-27
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I had a debt of {$1000.00} from XXXX XXXX when I had to move out of the apartment earlier to move to another state, job related. I thought I paid my final payment. One ye ar later, I found out {$1000.00} was sent to collections. I settled with XXXX XXXX & XXXX for {$700.00} in XXXX 2015. 2 years later, I now find out that a {$360.00} ( d ifference of debt owed and settled ) is in collections at National Credit Systems. I have sent National Credit Systems th e letter saying it was settled and closed, they will not close it out. NCS is saying it was a {$360.00} termination fee sent from XXXX XXXX into collections XXXX 2015 ( c oincidentally 6 months after first settlement ). I called XXXX XXXX and there was never a {$360.00} balance sent. It was only {$1000.00}. I 've attached the letter saying that the debt was settled. This has now prevented me from renting an apartment complex because it is showing up that I still owe the complex. I settled with the collection agency as soon as I found out about it. The {$360.00} is the difference and nothing more.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: TX
Zip: 77345
Submitted Via: Web
Date Sent: 2017-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: First contact with National Credit Systems : This debt appeared on my credit report however, the company could not verify what the debt is for and did not send a validation of debt when requested. Never received notice of this debt before it was reported to credit. Second contact with National credit systems : they provided me with an attorney 's contact information who stated if the debt was not paid there would be a possible lawsuit against me. I asked them what the debt was for abs they could not verify the debt or explain what it was for. They said they would send something in the mail. I never received the validation of debt from the attorney.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32256
Submitted Via: Web
Date Sent: 2017-04-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: National Credit Systems XXXX XXXX XXXX XXXX , GA XXXX XXXX Last report XXXX / XXXX / XXXX , negatively impacting my credit. I requested for validity of this debt, including, signatures, valid contracts with this company and no response was received. If the debt can not be properly validated as requested to remove.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30058
Submitted Via: Web
Date Sent: 2017-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2017-04-21
Issue: Incorrect information on credit report
Subissue: Account terms
Consumer Complaint: I have a collection on my credit report that has been reporting for over 6 years. I have filed a dispute against it more then 3 times. I have never received verification of the debt. Even though I requested it. By FCRA and by law if this is not given within 30 days then you do not have the right to report any information and suppose to be closed. I want to get this removed from my credit report as an early exclusion. The contract with them was cancel. Their is " NO CONTRACT '' This is reporting on my XXXX and XXXX please remove it.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 49006
Submitted Via: Web
Date Sent: 2017-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No