Date Received: 2017-03-14
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Consumer Complaint: I was living in a apartment in XXXX texas in XXXX.once i move in i was taken a shower and rust came out this was a on going problem. the manger kept tell me it would clear up but it got worst. i had to start taking a shower a the XXXX because it was so bad. so after awile they told me they will give me a new apartment and the same thing. i paid up and they said we were up to date but when moving out they came up with all kind of charges, i was never late on my rent and a good tenteat.i have all the pictures and i am ready to back up all my claims.i was done wrong and now my credit have a mark on it. i am ready to dispute this report and ready to back up this claim with pictures and recepits.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77511
Submitted Via: Web
Date Sent: 2017-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The National Credit Systems contacted me about a month ago and suggested that I settle with the XXXX. I explained to the representative, that due to our medical bills and health issues I did not owe the complex {$2000.00}, XXXX XXXX explained that they were willing to settle for {$1500.00}. I explained to the representative that this was too much and that the complex should be paying me and my husband for the medical expenses that were accumulated while residing in that molded apartment. At the time I offered {$1000.00} to prevent my credit from being affected but this company would not help me. As a result, the National Credit Systems is destroying my credit.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: TX
Zip: 76123
Submitted Via: Web
Date Sent: 2017-03-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-14
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: For going on 3years i have been trying to work with this company on getting this account removed from my credit, i had an apartment in which i stop paying rent due to repair issues the apartment complex never made. We went to court for non payment of rent, i showed the judge my supporting evidence to my claims why I feel I did n't owe rent. The judge agreed with the evidence and enter a no money judgement and said they would have to open a new case to sue me to determine the final amount owed if any. The apartment complex never did that. The apartment complex sent my account straight to collections where they are trying to collect and i also have them on voice recorder saying they offer a pay to delete. They have also harassed me and threatened to take me to court by their lawyers which never happened.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2017-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company is a fraudulent third party debt collector attempting to extort money out of me. They claim they are working on behalf of an original client, but the original client had already been sued, lost in court and had to pay out money for fraudulently placing the same debt on my credit report. And that means NATIONAL CREDIT SYSTEM is into buying and selling fraudulent accounts in hopes of financial gain. What do they think is the next step for them?
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2017-03-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: National Credit Systems continues to report an account as in collections after it has been paid in full. While on the phone they stated with upon payment they would delete the account which they lied about. It 's still being reported as an account in collections which is negatively affecting my credit score
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2017-03-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received communication from this company over a year ago after paying the amount specified I was informed that the debt would be considered paid in full and removed from my credit report. The debt was only removed from my XXXX credit report and is still being reported to my XXXX and XXXX credit report after contacting the company they advised that they will update to have them removed in again almost 60 days later nothing has been removed from my credit report
Company Response: Company disputes the facts presented in the complaint
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-09
Issue: False statements or representation
Subissue: Indicated committed crime not paying
Consumer Complaint: in XX/XX/2014 i have moved out a apartment complex called XXXX in XXXX TX and they reported some fees to a collection company called National credit XXXX i advised them i have a letter that i turned my keys and garage opener and that they done the walk through with me and they kep saying that im refusing to pay and that they will take me to court i want some of the fees lowered and for them to work with me and they refuse
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75043
Submitted Via: Web
Date Sent: 2017-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-08
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Hi, I lived in a shared apartment with random roommates 2 years back when I was in college. The apartment complex is called XXXX. They are known for malicious practices such as charging residents fees without explanation after move out. I had a fee of {$190.00} which was unrelated to me. I tried contacting the apartment without avail. I received calls from a debt collector 2 years after I moved out. The collector is National Credit Systems and I unsuccessfully tried to dispute the debt. I also called again willing to pay off the debt if I could get something in writing that they will remove the collection from my credit. I was disregarded and hung up on by the debt collector. I 'm not sure what I can do and I need help. This malicious activity is a constant practice by these apartments and debt collectors and they really hurt recent grads like me who are trying to start our career. I was n't given any answers and took a hit on my credit because of these practices. This is something that really needs to investigated because I 'm not only one dealing with this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-03-07
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Submitted a Texas Debt Validation request under the Tx Finance Code. National Credit Systems responded with an incomplete validation that did not cover all items requested or required by the Texas Finance Code. They responded that they are not required to send the information requested. National Credit Systems Response - " The consumer has requested information that is not relevant to the validation of his debt. We have mailed the legal and valid copies of charges to validate this debt, as required by the FDCPA. Please have the consumer review the charges and contact our office. Thank you, National Credit Systems , Inc . '' I did not file a direct dispute under the FCRA. It was requested under The Texas Finance Code Chapter 392 which by law requires the below information. The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 XXXX a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 75248
Submitted Via: Web
Date Sent: 2017-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-03-06
Issue: Incorrect information on credit report
Subissue: Account status
Consumer Complaint: XXXX has wrongfully placed an account in collections. XXXX has indicated that I owed {$1700.00} for water bills at XXXX. This is absolutely false. All of the bills were in good standing upon leaving. This company bulldogged and bullied me into leaving the property. They initiated an eviction on me when all of the rents were paid on time. Elite home management has placed this account in collection with National Credit Systems. I would like this account removed from collections immediately. Attached is full documentation that this account was paid in full. Additionally, XXXX kept my deposit. I would like to request my deposit be returned as I left the property in good standing and was NEVER late paying monthly rent. Please see all attached documentation. Furthermore, the claim that XXXX is stating I owe monies for a water bill is false. The amount started in XXXX of 2012. The account was never placed in my name and started with a balance of over {$700.00}! XXXX presented false documents to the court in order to have me evicted from the property. I 'm requesting that this is immediately removed from my credit report and handled outside of a credit reporting agency as these claims are false!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2017-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No