Date Received: 2016-12-27
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Consumer Complaint: I am submitting this complaint due to the nature in which National Credit Systems has attempted to collect on a disputed debt. This companies representatives have acted in an unprofessional manner in the tactics they have attempted to extort money from consumers. Upon getting a phone call from this company in regards to a debt they allege was owed, I requested documentation to determine validity of the allegations. I than received a packet of paperwork which appears to have electronic or non handwritten signatures. Upon review of these documents there is now an even further confusion as to why this company is attempting to extort this money. After reviewing these electronically created and signed documents I received another call from this companies representatives who verified I had gotten and had a chance to look over these documents. After I advised her that I had some serious concerns for what I received and did not agree with the balance or what they were alleging. At this point the representative appears to take this information as an opportunity to disrespect me and act completely unprofessionally by stating, " Well than we will just put it on your credit! '' and proceeds to hang up without me being given an opportunity to say anything additional. As someone who has XXXX I understand the pressure and desire to want to do well at XXXX. However, having XXXX in the past it seems counterproductive to just threaten to place something on someone 's credit and than hang up without any actual dialogue or discussion. Obviously this representative needs further coaching and development on how to handle the collection process also how to successfully conversate in a professional manner when conducting business for a company. Not allowing her personal feelings or opinions to get involved and taint the conversation. Im disgusted that the level of unprofessionalism and rude behavior is allowed and obviously condoned by National Credit Systems. This company should be investigated and audited for its unacceptable and atrocious treatment of consumers. Sincertainly the original rep hung up in my face is than called back and requested a manager at which time the receptionist refused to transfer. I advised that since this was the manner in which they conducted themselves in business that they cease and desist from any phone communication with me until I had an opportunity to file a complaint based on there actions. No company per the FDCPA can act in a threatening or unprofessional manner for the purpose of trying to collect a debt and unfortunately this company feels it does not need to abide by those same laws. Please investigate them for the manner in which they have attempted to conduct business.
Company Response: Company disputes the facts presented in the complaint
State: AZ
Zip: 85224
Submitted Via: Web
Date Sent: 2016-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-22
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have made several attempts with National Credit Systems to resolve a matter placed in their office. Numerous times they have violated the FDCPA in regard to validation. This matter is in regard to an apartment complex I was evicted from. National Credit System 's XXXX XXXX XXXX, stated the validation letter was mailed to the address I was evicted from. I updated the address months ago. I did not receive validation but a demand letter for an account that was not XXXX XXXX but an account that was out of statue. I call to advised. They apologized but never since the validation. This over 6 months ago. According to the FDCPA and state laws National Credit System has 30 days to get that validation to. In addition, National Credit System has never attempted to negotiate the debt. They made no attempts to contact. All communication has been on my part with the exception of a voicemail message rec 'd XXXX/XXXX/2016 from XXXX XXXX while I was holding on the other line. This company has hung up on me several times. They have been argumentative and rude.
Company Response: Company disputes the facts presented in the complaint
State: NY
Zip: 14215
Submitted Via: Web
Date Sent: 2016-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-22
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: This collection has been on my credit report I do not know what it is for and have asked not less than 12 times for validation of debt and to have it removed from my credit report. To date I have never received a debt validation from this company nor has it been removed from my credit report. They constantly update this collection every month harming my credit for a debt I have no idea what it is for.
Company Response: Company disputes the facts presented in the complaint
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2016-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-20
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: This is an erroneous and fraudulent debt. This apartment complex made false charges of damage and never notified me. I am on XXXX housing in order for me t move into or out of an apartment an inspection is done if there were damages I would have had to repair them prior to leaving in order to be issued another housing voucher. Years later this shows on my credit report while I am trying to rent another apartment. I asked for proof of debt and was given an invoice that is not proof pictures would be proof not something that someone wrote down. Due to me being on housing I only have a small amount of time to secure another residence or I will lose my housing voucher. So after going back and forth the new apartment complex said well if you pay half of the debt we will rent to you. So I paid XXXX on a debt I do n't even owe and the company National Credit Services refuses to give me a receipt so that I can show my new apartment complex and secure the residence. As a result I know had until XXXX today XXXX/XXXX/2016 to turn in my new housing or I will be removed from the housing program. I begged, pleaded and cried explaining that I am elderly and XXXX and about to become homeless if they could please provide me a receipt for my payment they adamantly refuse and I am now going to be homeless all because they refuse to provide receipt of payment.
Company Response: Company disputes the facts presented in the complaint
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-20
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I lived there for 3 yrs and we like the apt but the change owner and we had XXXX there made us take it down i then i write them a letter say i am move to XXXX due to i had XXXX and i need my mom to take for me through the time i was go through treatment and while my husband worked. So see what i have to do to take this off my creditor
Company Response:
State: GA
Zip: 30291
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-19
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: 1. I have no knowledge of said debt and I would like it removed as it 's reporting to the CB ( as an collection account ) and negatively affecting me. 2. I would like this debt to be removed from my profile as it 's reporting to the Credit Bureaus and negatively affecting me
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AR
Zip: 72301
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-12-20
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I had not been supplied with any notification of said debt. I would like this to be removed as it is negatively impacting me as it is being reported to the experian and transunion credit bureaus. They failed to provide any verification nor have they informed me of any rights to dispute the debt. My information was illegally shared without my consent so I am requesting it be removed from my profile.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2016-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: We are writing this letter to your organization in regards to false information and charges by XXXX XXXX XXXX and National Credit Systems. In particular, we are incensed that this creditor is trying to export more money than is called for from the XXXX XXXX Magistrate court.. The collection agency and XXXX XXXX Apartments have both conspired to send false and incorrect information to the major credit bureaus. Substantiating information is described as follows : 1. On XXXX/XXXX/2016, the XXXX XXXX XXXX Court entered a Judgement on the Pleadings in the amount of {$1700.00} against the defendant ( s ). The judgement amount included court filing fees, bills due for water, a trash pick-up fee and included past due rent amount accruing from XXXX/XXXX/16 to XXXX/XXXX/16. 2. In full compliance with the court 's order to vacate the premises, the defendants vacated the apartment on XXXX/XXXX/16 as stated in the court order. 3. On the morning of XXXX/XXXX/16, XXXX of the defendants walked through the apartment with the apartment complex manager, XXXX XXXX XXXX. At the completion of the walk thru, the apartment complex manager provided us with a Move Out Procedures/Checklist which clearly indicated that there were no damages to the apartment at all. The apartment was left completely clean and in the same clean state as on the day that they moved in, XXXX/XXXX/16. 4. Sometime after XXXX/XXXX/16, the defendants received a move out statement from XXXX XXXX XXXX. Charges on this statement {$4500.00} which is {$2700.00} more that the court ordered amount of {$1700.00}. 5. The XXXX XXXX XXXX move out statement shows charges that are false and misleading. As described previously, our move out date was on XXXX/XXXX/16, with the apartment being inspected on XXXX/XXXX/16. The move out statement from XXXX XXXX shows charges which are not listed on the XXXX/XXXX/16 magistrate court order. 6. The XXXX Move Out Statement shows rent for the entire month of XXXX 2016 which is in conflict with the court judgement ordering rental charges through XXXX/XXXX/16 only and not for the entire month of XXXX 2016. 7. The XXXX/XXXX/16 XXXX XXXX XXXX Move Out Procedures/Checklist also shows that there were no damages to the apartment at the walk-thru with the apartment rental manager. This document is in conflict with the {$2000.00} for stipulated damages for the XXXX/XXXX/16 date as listed on the move out statement. Any and all additional charges that are not on the magistrate court order and especially for any charges on dates such as XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 are illegal and indicate the submission of false information for the collection of funds which are in excess of the amount stipulated in a court order. We mailed documentation to XXXX via certified mail on XXXX/XXXX/16 and have not received any response back from them at all.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30253
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This debt was discharged, in court they are just harrassing me over it. They kept my money as a security deposit, for the balance. There attorney met me in court, and the issue was closed by the judge in XXXX, XXXX, CO. This should not be on my credit report. They are harrassing me, because I 'm a XXXX member, and XXXX. XXXX.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CO
Zip: 80917
Submitted Via: Web
Date Sent: 2016-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-12-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I do not have any knowledge of the debt that is attempting to be collected.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 76135
Submitted Via: Web
Date Sent: 2016-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes