Date Received: 2016-11-01
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I had a lease with XXXX XXXX XXXX and there is a dispute between the two of us about whether I owe them {$3600.00}. National Credit Systems has reported this disputed debt twice on my credit report ( to XXXX and XXXX ) so that it appears as though I owe {$7200.00} to XXXX XXXX XXXX National Credit Systems has confirmed when I call that they are not seeking to collect {$7200.00} from me, only {$3600.00}. However, they have continued since XX/XX/2012 to report XXXX accounts for {$3600.00} in an effort to pressure me to pay.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: CA
Zip: 94538
Submitted Via: Web
Date Sent: 2016-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-11-01
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I owed a final balance to XXXX XXXX XXXX located in XXXX, Wa. which was paid in full. The condo company sent the debt to National Credit Systems in XXXX to collect on the debt. After explaining to NCS that I had paid the debt, provided verified payment from a check that XXXX XXXX cashed, had XXXX XXXX contact NCS, they still have my account open and affecting my credit score.
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
State: CA
Zip: 91364
Submitted Via: Web
Date Sent: 2016-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-30
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I am not aware of this debt. Possibly the result of identity theft. It is adversely affecting my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2016-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-28
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: This debt should have never been on my credit report. Myself and the XXXX roommates associated with this apartment the collection originated from never received any notice of funds due after vacating the premises. The entire 12 months we resided at this apartment, we never missed a payment or had a later payment. When we left the apartment we were up to date on all bills since my credit and finances are a big priority. This is the only blemish on my credit report and is affecting me financially with mortgages and other finances. If we were ever contacted regarding this matter instead of finding out when this hit my credit report I would have proactively brought my account to good standing as I have my entire life. I would like this taken off my credit report immediately as this collection was not warranted and if so, was not correctly communicated.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: MI
Zip: 48239
Submitted Via: Web
Date Sent: 2016-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received notification and phone call from National Credit System about a debt said owed to XXXX XXXX, I contact XXXX XXXX in regard to why i was receiving calls from National Credit System. XXXX XXXX XXXX stated that the previous property management showed I owned a debt but they could not locate the owed debt or a file belong to me. I have documentation on final payment and a move out clearance letter from XXXX XXXX that no balance are owed.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TN
Zip: 37129
Submitted Via: Web
Date Sent: 2016-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-26
Issue: Communication tactics
Subissue: Called after sent written cease of comm
Consumer Complaint: OK ... .FIRST OF ALL, I HAVE A CEASE AND DESIST ORDER AGAINST THIS COMPANY. I RECIEVED A LETTER YESTERDAY ASKING FOR MORE XXXX DOCUMENTATION REGARDING MY ID THEFT CLAIM. I AM NOT SUBMITTING ANYMORE STUFF TO THESE PEOPLE!!!!!!!! I WAS LUCKY TO EVEN BARELY FILL OUT THAT XXXX FRAUD PACKET AND SEND THEM A COPY OF MY XXXX ID, AND THEY STILL WANT MORE XXXX!!!!!!!!! I AM NOT DOING IT!!!!!!! GOT IT?!!!!! THEY WERE XXXX TO YOU GUYS ABOUT GETTING A FRAUD PACKET, THEY GOT EVERYTHING THEY ASKED FOR AND STILL WANT MORE!!!! UNACCEPTABLE!!!!! THEY ARE NOT SUPPOSED TO BE CONTACTING ME AT ALL ABOUT THIS DEBT, AND THEY ARE STILL DOING IT, I GOT NOTIFICATION FROM THEM YESTERDAY BY MAIL!!!!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IL
Zip: 61554
Submitted Via: Web
Date Sent: 2016-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-26
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OK
Zip: 73013
Submitted Via: Web
Date Sent: 2016-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I moved out of XXXX XXXX XX/XX/2012. I moved into my new home XX/XX/2012 and I was ordered by court to pay backrent at XXXX in the amount of {$1300.00}. ( see attached court document from my credit report ) My debt was sold by XXXX or XXXX XXXX to National Credit Systems ( as it appears on my credit report ) or XXXX XXXX XXXX at a new amount of {$2500.00}. ( see attached document from XXXX XXXX ). I 've contacted National Credit Systems and XXXX XXXX over 20 times trying to get in contact with the original owner of this debt to find out how this debt increased. XXXX and XXXX claimed they could not make contact with their client and I do n't believe they ever did. I asked for the client 's name and address ( as XXXX XXXX no longer owns XXXX ) and after months, XXXX XXXX could not provide this information. The only information XXXX XXXX could provide was the attached documents. I also requested that documentation be sent to me showing how the amount increased from {$1300.00} to {$2500.00} but they could not prove that either. They can not tell me the months being charged or the interest rate. I know that I moved from the property and can provide documentation of the new address and the time that I moved to the new location. These companies have placed an illegal debt amount on my credit creport and need to remove it instantly. Again, XXXX charged me a bogus amount of back rent after I settled with them in court and vacated the property. The " supported '' document provided by XXXX XXXX shows a letter sent to the apartment or some location that I never received since I had already settled in court and relocated. XXXX XXXX has thretened me with a law suit for this matter and has not offered a settlement amount, nor provided the name of the client that owns this debt. I do not owe this debt amount and none of the parties can prove " how '' I do.
Company Response: Company disputes the facts presented in the complaint
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-24
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I was contacted by telephone by XXXX XXXX, phone number XXXX on Thursday, XXXX XXXX regarding an apartment lease for my son we were trying to pay off with leasing company. My wife contacted XXXX XXXX on the XXXX who then told her that a payment arrangement needed to be made before Tuesday, XXXX XXXX or the account would be reported to the credit bureau. She informed XXXX XXXX that we had not received any notice of the account being turned over to collections as we were still sending payments to the corporate office of the apartment housing. XXXX XXXX told her that a letter was mailed out on XXXX XXXX and still demanded a payment arrangement be set up prior to the XXXX. My wife explained she was not comfortable giving out our checking information over the phone since we did not have proper notice. We finally received a letter in the mail from XXXX XXXX ( National Credit Systems , Inc. ) dated XXXX XXXX, 2016. My wife explained to XXXX XXXX that she would be disputing the amount claimed to be owed as she has repeatedly requested an accounts ledger from the apartment corporate office as our balance did not match theirs.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: LA
Zip: 70448
Submitted Via: Web
Date Sent: 2016-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-22
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I NEVER lived in North Carolina. So how can l be charged for something l dont know about. Yes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: DC
Zip: 20032
Submitted Via: Web
Date Sent: 2016-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No