Date Received: 2017-01-26
Issue: Disclosure verification of debt
Subissue: Not disclosed as an attempt to collect
Consumer Complaint: At the apartment complex, XXXX XXXX XXXX, which I lived in at the time said email was not a written form of notice. By law, email is a form of written notice in the state of Texas. All months of rent that were included in the leading contract were paid. Payment was never behind and always on time. Returning the apartment keys in which I was living in, they informed me they never recieves notice, nor did they have the many complaints about mold in the facility I happened to be living in while XXXX. Proof remains in my hands, and after presenting them with this proof, they still denied everything. Legal action was taken and a lawyer sent a legal notice to the office. There was never a response. I, or the cosigner, never recieves any disclose that we would be sent into collections. We will take legal actions, obtain medical records of the illness I developed while living in a moldy apartment, and will provide evidence and proof of necessary, showing we were wrongfully sent to collections.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78239
Submitted Via: Web
Date Sent: 2017-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-24
Issue: Incorrect information on credit report
Subissue: Account status
Consumer Complaint: National Credit System represented XXXX XXXX XXXX for a debt owed in the amount of XXXX. The debt was PAID IN FULL with the agreement of being deleted from my credit report in which however upon checking my XXXX credit report it is currently still showing. After making payment in FULL they faxed me a letter of receipt but failed to remove this account.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-21
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: National Credit system is attempting to collect a debt that I never establised a contract with them XX/XX/2001 of a balance of XXXX and a balance of XXXX. They placed the negative item onto my XXXX credit report file which is a false witness to my name. They are violating the FCRA law and the status of limitation to collect a debt
Company Response: Company disputes the facts presented in the complaint
State: GA
Zip: 30345
Submitted Via: Web
Date Sent: 2017-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-18
Issue: Credit reporting company's investigation
Subissue: Problem with statement of dispute
Consumer Complaint: I did not received the proper information on the validity of this debt. I am now requesting additional information for the debt to be disputed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2017-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-18
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a debt for rent/move out, I disputed. I had called Nation Credit Systems Inc. and asked if they could offer 50 % the amount owed and was told no, they did not have the authority. I then contacted XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, of XXXX around XXXX XXXX. In my phone conversation, XXXX said he can authorize the 50 % reduced amount to pay. I also asked if he could have this removed from our credit report as we are trying to build our credit back up and he said he would speak to National Credit to have it removed. On XXXX XXXX XXXX I received an e-mail from XXXX stating the XXXX has contacted National Credit and authorized them to accept 50 % of the dept as settlement. On XXXX XXXX XXXX, I contacted National Credit. They checked the records and confirmed they will take 50 % of the debt. I spoke to a XXXX XXXX and sated I spoke with XXXX XXXX of the XXXX and confirmed with XXXX XXXX that this would be removed from my credit. XXXX XXXX said it would be removed and it can take up to 30 days ( XXXX XXXX XXXX XXXX days ). They said as soon as I paid it, they would send me an e-mail confirmation that the debt had been satisfied. I received the confirmation e-mail on XXXX XXXX XXXX ( attachment XXXX ). It did not mention that it would be removed from my credit. When I called XXXX XXXX back to discuss what I was told by XXXX XXXX and himself that it would be removed, he hung-up on me. I then called back and spoke to a supervisor about XXXX XXXX and what he said he would do along with XXXX XXXX, in having it removed. The supervisor was not very helpful at all and when I requested a copy of my phone conversation, she refused it and said it was for the use only. This was finally removed with in the 30 days, and then National Credit report this debt back to XXXX on XXXX XXXX XXXX, They illegally reported back to XXXX 11 days after they debt was settled and confirmed and removed ( attachment XXXX ). After finding this back on our credit my wife contact XXXX XXXX again via e-mail and she had spoke with him prior to this on the phone. She advised him of the situation on XXXX XXXX XXXX, that this was reported back on our credit after an agreement was meet for payment, that it was removed and then re-reported back to XXXX and that he said XXXX would also make sure it was removed. On XXXX XXXX XXXX my wife received an e-mail from XXXX XXXX ( Interim XXXX of Housing ) stating that XXXX XXXX no longer works at the XXXX. XXXX has been in contact with the collection agency to try to rectify the situation. After 11 days of no update, we re-contacted XXXX on XXXX XXXX XXXX. They replied that they contacted Nation Credit Service and requested they remove this from our credit records. She stated National Credit Systems was unable or refused to delete it from our credit record. 1. Is it not illegal for National Credit Service to tell me they will remove it as soon as I pay it and not send me proof of that? 2. Is it not illegal for National Credit Service to remove it after the debt was paid by agreement, then to report it back to XXXX 11 days later after it was removed? ( it made my credit score go back down ). 3. Now we are in a battle of who has the authority to have this removed from our credit records, the XXXX or National Credit Service. We have had several debts that we have done the same thing on and they have all been removed without question. 4. Now on XXXX XXXX XXXX National Credit Systems has removed it from reporting to the closed section and it still shows on my report.
Company Response: Company disputes the facts presented in the complaint
State: WA
Zip: 988XX
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. This would be my second complaint filed against NCS and really not sure if they care or they 're just over paying the credit bureaus but I need help aginst this company. I 'm uploading another round of documents and required forms. thanks XXXX
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: National Credit Systems continues to attempt to collect a debt that I simply do not owe.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 92782
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2017-01-17
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: A few weeks ago I had an Alert on my credit report saying that I had XXXX new collection accounts from National Credit Systems. After reaching out to the company they informed me that they mailed a letter 5 times to a known bad address. When asking them why I was not alerted they said they tried but they had XXXX pieces of returned mail. So, with further concern I hired a private investigator XXXX XXXX XXXX XXXX to find out that they were advised to send it to the office of XXXX XXXX XXXX. XXXX XXXX XXXX had the proper address to forward any and all correspondences. I have emails to substantiate this claim. I also have proof that I was sued and paid the bill in full! They are trying to collect a debt that is no longer valid.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2017-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-14
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: On credit
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 741XX
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2017-01-14
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Previous dispute : XXXX 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. By law this info requested is to be sent within 5 days notice is received via certified mail. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( 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 continuing 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 and/or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, my attorneys and 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 managing attorney to continue in filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fails to respond to this validation request within 5 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. Commission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for XXXX XXXX XXXX, XXXX in case legal action becomes necessary. The claim ( in accordance to FDCPA and FCRA laws ) can not and WILL NOT be considered 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. The law in regards to this matter are not negotiable. I am invoking my consumer rights. Any attempt to circumvent the request made herein is a violation of my consumer rights. Law states if the request can not be completed, it must be removed immediately. My attorneys and I await your timely response.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2017-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes