Date Received: 2023-09-04
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: NATIONAL CREDIT SYSTEM {$3200.00} I do not owe this company any money because I never signed a contract with them, I do not owe the original creditor any money because the account does not belong to me.
Company Response:
State: GA
Zip: 30082
Submitted Via: Web
Date Sent: 2023-09-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is insane! We sued XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX ) for dozens of incidents of harassment and habitability issues. As part of the settlement, they waived ALL BACK RENT, but we are now being illegally charged, in violation of the settlement terms! I am attaching the settlement paperwork, as well as communication between our attorney and opposing counsel. We do not owe this rent and this legal settlement absolutely proves it! Also feel free to contact my attorney, contact information below, because this is about to turn into a whole new lawsuit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX XXXXXXXX XXXX
Company Response:
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-02
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: The company that is on my credit report is called national credit systems. I have no knowledge of this account. I have no knowledge made of the collection of this account. I am not responsible for this account or e.g. belongs to express a business account. This is not my account it may belong to a relative or some person or persons with similar names. This is fraudulent.
Company Response:
State: NC
Zip: 27406
Submitted Via: Web
Date Sent: 2023-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-03
Issue: Electronic communications
Subissue: You told them to stop contacting you, but they keep trying
Consumer Complaint: On XX/XX/XXXX, I discovered a notice on my door from the XXXX XXXX XXXX XXXX XXXX, alleging that I was past due by approximately {$3000.00} in rent. This notice was perplexing, as I had not received any prior communication regarding late fees or a rent increase. I'd like to emphasize that I consistently paid my rent, either through the apartment portal or by money order, adhering to the agreed-upon amount of {$810.00} as stipulated in my lease contract. Before XXXX, I encountered some payment issues and promptly informed XXXX XXXX, whom I met in person at the office. I explained that there had been an error in my paycheck by the United States XXXX XXXX XXXX department, which might result in a delay in rent payment. XXXX kindly assured me that she would waive any late fees due to this unforeseen hardship. However, when I received the notice, I visited the office to seek clarification. XXXX presented statements indicating that we owed a differential amount based on a new rate. I requested evidence of any prior notices or letters regarding the rent increase or late fees, but she couldn't provide any. According to the law, eviction notices must be written and served, which never happened in my case. My husband and I had informed the leasing office that we would be relocating due to PCS orders and XXXX orders, scheduled for XXXX. Furthermore, it's important to note that a landlord can not evict a servicemember or their dependents from their primary residence without a court order, and the court has the authority to adjust lease obligations to protect the interests of both parties ( XXXX XXXX. ). I believe that the leasing office 's actions violated our rights as service members and were not in compliance with the law. They also sold the debt to a third-party collection agency, despite having written it off as a charge-off, resulting in the collection agency attempting to collect the debt. This has had a negative impact on my credit, and I request that the collection be removed and compensation for the damages incurred. Additionally, the leasing office failed to return our security deposit and did not provide an itemized list of deductions within the required 60 days, which they are now two years late in doing. I have provided documentation, including my lease, to demonstrate that no notice was ever given regarding a rent increase or accumulating late fees due to our hardships or deployment. In summary, I am seeking resolution for these issues, including the removal of the collection, compensation for damages, and the return of our security deposit with the required itemized list of deductions. These actions were taken in violation of our rights as service members under the SCRA, and I believe it is essential to rectify these matters appropriately. I also took the initiative to attach complaints and better business bureau rating from other residents who have been discriminated against or have issues with the leasing office administration.
Company Response:
State: AL
Zip: 368XX
Submitted Via: Web
Date Sent: 2023-09-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I received my credit report last month and apparently I have a debt with the national credit systems company for XXXX dlls in the name of XXXX XXXX XXXXXXXX XXXX in which I was living in XXXX and with which the contract was terminated in a timely manner At that time they were making a change of administration, so I am sure they made a mistake with my contract, I was never notified that I had a debt, I just found out when I received my report, which I hope will be repaired
Company Response:
State: TX
Zip: 75042
Submitted Via: Web
Date Sent: 2023-09-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-31
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am planning to buy a home one day so I pulled all of my credit reports. I am not in a contract with this agency National Credit Systems, and I did not sign a contract with National Credit Systems I have no knowledge of this collection account. I am not liable for any debt eigh National Credit Systems and they did not provide me with what I requested which was original contract.Touch and hold a clip to pin it. Unpinned clips will be deleted after 1 hour. This is debt that is not mine is defamation, effecting my credit, my reputation, and livelihood.
Company Response:
State: AZ
Zip: 85301
Submitted Via: Web
Date Sent: 2023-08-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: this company bought a debt from XXXX XXXX XXXX WHICH wasn't an obligation to pay but instead dividends owed to me. this has caused me to become homeless because i cant qualify for a decent luxury apartment complex. instead of removing the debt off my consumer report they continue to Harras me but calling and sending default notices in the mail. by law this is illegal business practice and needs to be compensated for.
Company Response:
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-30
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: Regarding Dispute : National Credit System XXXX XXXX XXXX XXXX XXXX XXXX A amount : {$24000.00} To whom it may concern ; I am disputing XXXX XXXX XXXX even though I already did throughout RENT TO GO. Account showed on my credit after it was removed from my rental history after being disputed. This account was disputed because my landlord refused to accept the payments from NJDCA after I was approved Due to Covid 19 I saw myself unemployed from both jobs I had at the moment, which is the reason I was unable to pay my rent. I applied for NJDCA covid relief funds and was approved putting me on a waitlist, which led to me being in court for back payments. At my court appointment on XX/XX/2023 I was offered an agreement by my landlord and her lawyer saying that THEY NO LONGER WANT TO WAIT FOR ASSISTANCE, AND TO TAKE MY LITTLE BIT OF MONEY AND LEAVE AND FORGET ABOUT WHAT I OWE.I got scared the lease was not current and it was not my name on it but my kids father XXXX XXXX. which they are also trying to charge even after i asked for him to be removed after he left way before this covid even happen. I left the premises on XXXX XXXX how they so nicely asked. ( by NJ law according to XXXX landlords are not to deny assistance which I didn't know ) .I was given 30 days to leave with my kids because if I didnt they were going to evict me and would be a possibility of closing my doors if they continue court procedures. They claimed the government assistance where not going to help me and me being ignorant agreed because why will they not want their money. This was all in front of a judge who second the landlord by saying that this was true, that if i stayed and the follow court i might get my doors closed and be ask to leave without time to prepare. I should sue them because i am currently still homeless House hopping between people I know because of this. While homeless with my kids the NJDCA reached out to me claiming they were paying them at the time I was being offered to leave and also that they want to give the funds to my new landlord ( Which I don't have ). THEY ARE RYING TO HELP ME GET THESE FUNDS TO USE ON A DIFFERENT APARTMENT. I have not been able because of my low income which now is another issue and on top this being on my credit if affecting my kids even more. This is my last resort because I was given until XXXX XXXX by NJDCA to find an apartment for this funds or ima have to bring me and my kids to a shelter because I can't no longer stay where I am staying These reports being on my credit is stopping me from getting an apartment. If there is anything you recommend me doing please tell me, I feel like I was cornered to aggre to something that either way was meant to make me loose by some professionals that where not trying to help me. Thank you in advance
Company Response:
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I was asked to do a voluntary move out and I did just that but they are reporting as a eviction XX/XX/2022 and I called them they told me to reapply to move back I also asked management why is this reporting as a eviction and they replied its not it was a voluntary move out they also sold my information to a creditor who has been calling and harassing me
Company Response:
State: SC
Zip: 29420
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-29
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I lost my job during the Pandemic 2022, my rent was paid for several months. I was awarded {$18000.00} from XXXX XXXX from the Federal Government allocated funds. National Credit System is stating that I owe their company {$3100.00}. My rent was paid in full, and I asked National Credit Systems to provide me with a contract with their company of my wet signature stating that I owe them {$3100.00}. To no avail have they supplied me with a contract I have with this company. Also, my rent was paid for the remaining of the year in 2022. I moved in XXXX, and I can upload my new lease and the approval of rent being paid with the pandemic relief funds in 2022. Approved : XXXX XXXX XXXX - Case ID XXXX Inbox Search for all messages with label Inbox Remove label Inbox from this conversation XXXX, XXXX XXXX Thu, XX/XX/2022, XXXX to me, XXXX Dear XXXX XXXX : Congratulations XXXX You have been approved for the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Your approved Program Application has been forwarded to the payment processing. Payment shall be in the form of a mailed check, which will be sent directly to the Landlord, and/ or utility company, if applicable. Landlord Payment : {$18000.00} Per federal requirements, the Program may only award assistance through Thursday, XX/XX/2022. Please note that, if you are approved for prospective rent assistance in the month of XX/XX/2022, your assistance will be prorated to exclude XXXX XXXX. You are encouraged to download and print your Program Application for your records and reference regarding the terms and conditions to which you and your Landlord agreed in order to be approved for Program funding. Such documents are currently available for download and printing on the online portal ( Neighborly ) and shall continue to be available for at least 30 days from your receipt of this approval email. ( It is recommended you download these documents for your records ). We understand the urgency of your housing situation, especially during these challenging times. If you wish to appeal, please fill out an Appeal Form which can be found under Forms and Resources on the XXXX XXXX XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX ) and email your completed form and all supporting documentation to XXXX. You have the option to appeal your approved funding amounts within fifteen ( XXXX ) business days from the date of this determination regardless of receipt of funding. Each award determination may receive one appeal review. After a final ruling has been determined, your file will not be reviewed again under the appeal process. Program policies and federal requirements may not be appealed. If you have any questions, please contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Sincerely, XXXX XXXX XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX to XXXX Hello XXXX XXXX my name is XXXX XXXX, I once received assistance due to the Pandemic. I am no longer working due to the pandemic. I am currently under an eviction I was told by the XXXX XXXX XXXX to email you in reference to this matter. If, I qualify for any additional assistance can you please let me know. My cellphone number is ( XXXX ) XXXX. Respectfully yours, XXXX XXXX
Company Response:
State: GA
Zip: 30043
Submitted Via: Web
Date Sent: 2023-08-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A