Date Received: 2017-02-06
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Debt was not verified by contract or signature. National Credit systems inc
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2017-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-06
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Debt collecter did n't verify collections, no contract, no signature
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 29301
Submitted Via: Web
Date Sent: 2017-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-05
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Received a letter from collection company regarding a debt- National Credit Systems , Inc. stating a {$1900.00} debt was due. Sent certified letter asking for documents to validate debt. Instead of receiving information relating to the charges I received a letter in retaliation stating that they reported me to the credit bureaus for failure to make suitable arrangements and that they recommending the client proceed with additional collection remedies, garnishment of wages, Liens placed on property including, autos, real estate or other real property, seizure & auction of personal property, as well as other adverse action listed on the letter. To date I still have not received any bill or statement for these charges as requested via certified mail and received by National Credit Systems , Inc in a timely matter.
Company Response: Company disputes the facts presented in the complaint
State: SC
Zip: 29412
Submitted Via: Web
Date Sent: 2017-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-05
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This. company National Credit Systems appears on my credit report for {$390.00}. This debt does not belong to me - I have been XXXX XXXX in XXXX for the past 8 years. I need this removed immediately. This has been illegally reported.
Company Response: Company disputes the facts presented in the complaint
State: FL
Zip: 32216
Submitted Via: Web
Date Sent: 2017-02-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-02-06
Issue: Credit reporting company's investigation
Subissue: Investigation took too long
Consumer Complaint: Collection Account remain on credit bureau report after 50 day processing dispute reviewed by FDCPA along with Collection Letters submitted in violation FDCPA violations Remove from all XXXX credit reporting agency debt collection inaccurate disclosure and verification delete all collection from all XXXX credit bureau agency
Company Response: Company disputes the facts presented in the complaint
State: SC
Zip: 29440
Submitted Via: Web
Date Sent: 2017-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Noticed debt listed on credit file, sent several letters requesting validation of debt over past 4 months. I have not received any communication from this collection agency. I never received a notice to dispute this debt. Under the FDCPA this is a clear violation of my consumer rights.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-31
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: XXXX XXXX XXXX On XXXX the original creditor was discharged through Bankruptcy Court Chapter XXXX in 2012. I now receive harassing collection calls from National Credit Systems demanding payment, which was already discharged through the US Bankruptcy Court and is showing on my credit report as a charge off/ collection. This is inaccurate, false, and fraud and it needs to stop and be removed from my credit report. According to the attached Discharged BK file- collections for BK discharged debts is Prohibited.
Company Response: Company disputes the facts presented in the complaint
State: CA
Zip: 91501
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-29
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I was XXXX years old when we moved to XXXX with my parents. We had to leave the complex because the house cought really bad mold and they never did anything about it. Then they put my parents debt into my credit report when I had nothing to do with the rental agreement since I was a XXXX at that time attending XXXX and they put that debt I my credit report. Now I have a daughter and a family and I need to rent and no one wants to take me because of something that was n't my fault to start with. I called them and they do n't want to do anything about it. Please help me!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33032
Submitted Via: Web
Date Sent: 2017-01-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-27
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Consumer Complaint: I just requested a credit report ... Background about me ... I have been in family courts for 9 years ... in and out of XXXX. Court - nowhere to turn for help ... My solution ... move to a new address, some place I felt safer ... The problem : Every time I moved, I broke a lease ( 2x ) ... this is now reflecting on my credit report. Additional info : My daughter was XXXX XX/XX/2014 ... I have had no contact with her since then ... I have been working hard to better myself since the abuse started ... obtained my XXXX in XX/XX/2014 ... graduated from the XXXX and left being XXXX XXXX ... Now I am trying to buy a home ... However, the XXXX places I moved from in the past, show up on my credit report ... What are my options ... Do I have any? Thanks. XXXX XXXX ( I have attached a copy of the document 'CreditIssues ' with the XXXX creditors listed at the bottom ( the XXXX is a mistake and I am getting it removed )
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28083
Submitted Via: Web
Date Sent: 2017-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This company National Credit Systems is reporting i owe an apartment community XXXX when in fact that is n't true. In XX/XX/2016 the judge in XXXX texas ruled that we only had to pay one month past due rent which is public record now and this company is reporting an amount XXXX above what the judgement was. Not only that this company never contacted me to verify anything. The apartment community didnt take us to court for anything after. Its illegal to report a lie.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78753
Submitted Via: Web
Date Sent: 2017-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes