Date Received: 2016-10-21
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: National Credit System is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting ONE MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX VETERAN like myself. They are adding XXXX to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but National Credit Sytems is making impossible by reporting misleading and inaccurate information or my credit report. All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-18
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I received a letter from National Credit Systems, XXXX XXXX XXXX XXXX, GA XXXX letting me know that I had an outstanding debt of {$3400.00} to a company called XXXX. I called them back at XXXX and after they checked my identity, they told me that it was n't me so i did not have to worry about it. A couple weeks later they called me again asking me if I was going to pay this debt, again I explained to them the situation and after a long conversation they understood it was not me. Fast forward to XXXX/XXXX/16 I received a credit report alert telling me i had a new negative loan on my account. Checked it and it was them. They had added it to my credit report without my social security. I do n't understand how they can do that but it was there. I called them and spoke to a XXXX XXXX who is in charge of the account # XXXX. After she rudely asked me for my information and I gave her my SS she proceeded to tell me that it was not me and she could not give me any more information on how it was added to my credit. She said that I could dispute it with the credit company but that she was not able to do anything about it. I called her yesterday to see if anything had changed and left a message, so i called her again today XXXX/XXXX/16 and now she told me that i have to submit a fax with my credit report, my SS card, my drivers license, and all this other information, and that there investigating team would look at it and get back to me in possibly 2 weeks. It is companies like NATIONAL CREDIT SYSTEMS that take advantage of people and get no punishment for doing things like this. It is up to me to prove to them that it is not me when they knew it was not me in the first place. We need to do something about this.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: UT
Zip: 84062
Submitted Via: Web
Date Sent: 2016-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-13
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: National credit system is reporting a collection item in my credit report. I has asked the collection agency to provide me with the original documentation regarding this debt. FCRA requires that I am entitled to receive the original documentation regarding negative items but National Credit System is not providing me the original documentation and reporting unverified item in my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30047
Submitted Via: Web
Date Sent: 2016-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-12
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have a Collections account on my credit report from National Credit Systems in regards to XXXX XXXX. I 've satisfied this account in full on XXXX XXXX, 2016. I was informed by National Credit Systems that my account will update on my credit reports on XXXX XXXX, 2016, I called to see why it has n't updated after XXXX XXXX and they said that it will update on XXXX XXXX, 2016. Today is XXXX XXXX, 2016 and I spoke with National Credit Systems and she said that they requested for it to be updated. XXXX informed me that it has not been updated since XXXX XXXX, 2016. National Credit Systems continuously lied to me about updating my balance.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-10-12
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: National Credit systems claims I have a debt from breaking a lease at an apartment I lived in in 2012. The amount that is being said I owe is over XXXX $ When I contact the credit company they can not tell me or show me in my lease where I am obligated to pay for rent even though I gave a 30 day written notice. I was under the impression that if I gave the apartments a 30 day notice that was all I had to do. The credit company can also not see where it says in the copy of the lease that they have obtained that I would be required to pay for these months. They have called and requested more information from the apartment company to no avail. After many conversations with a supervisor, i made a phone call to National Credit Systems to get more information today and requested I speak to the same supervisor I have been speaking to, however I was transferred to a representative. When I tried to stop the representative and tell him I was working with a supervisor he proceeded to scream in to the phone numerous times that " I was rude '' When finally in contact with the supervisor she stated to me that the information requested from the apartment complex was just to " do me a favor '' not because they needed the information to verify this was correct information. She then told me that I could call back after I receive a letter from the apartments. This information is not correct and is affecting my ability to purchase anything.
Company Response: Company disputes the facts presented in the complaint
State: AR
Zip: 72023
Submitted Via: Web
Date Sent: 2016-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: Please excuse the writing I was n't an English major in college. In XXXX XXXX I and a college buddy of mine moved in an apartment complex called XXXX. It was located in the XXXX area of XXXX and was a great area with a diverse community. The only complaints that I had were the high turnover rate with employees and managers. Work orders never were completed on time or forgot about. Within a year I watched management change twice. Now I understand that there may be problems with a resident or XXXX and management, but it seemed like the number of issues kept piling on with more and more residents commenting and complaining. There were break-ins in apartments, cars etc. There were things that I was promised but were never fulfilled by employees and or management and were always followed with " oh well he/she does n't work here anymore, how could I assist you ''? Having had experience in the service industry I understand that whenever there 's a company or an entity that has a high turnover rate of employees then it would be fair to say that the company does n't have things together. After our 1 year lease was up we decided to move out. Around this time of course they had a change in management. We were told to give a notice if we were staying or going. We explained that we were graduating were not interested in signing another year 's lease. We moved out after our lease date was expired XX/XX/XXXX. Being that graduation was on XXXX XXXX, XXXX we stayed with friends until graduation and after that would depart for our hometown.. The problem occurred maybe 6 to 12 months after leaving the XXXX at XXXX. I applied and was invited to interview with XXXX XXXX XXXX and XXXX in XXXX, Georgia. All went well and I even was invited to the 3rd and last interview for these companies. The 3rd interview usually consists of more in depth background and credit checks. Understanding the process I pulled my credit report just to find that " XXXX '' was listed on my report that had a little over {$2500.00} amount on my report. I 'm not going to say that I was n't offered either position because of this incident but I think it may have played some type of roll in the selection process. I immediately researched the company 's information and called to see why this amount was on my report was. I kept getting sent to different people who did n't return my phone calls. After about 3 weeks I talk to a secretary that explained to me that it 's no longer their problem anymore because they sold the business sometime XX/XX/XXXX to " XXXX ''. So now I 'm confused, exhausted and livid. I remembered the last manager I spoke to that worked at " XXXX '' name was XXXX. I called the apartments and received the " she no longer works here response ''. I asked if I could receive a copy of my lease to prove that I should n't have these collection remarks on my credit report and was told that they would have to wait until the manager gets back. I left my contact information and never received a call back. I tried calling the apartment complex for weeks on in and could n't get anyone that could assist me properly. I finally got in touch with a manager and was told that they did n't have the old leases and that because the company was sold that he had no idea where these documents would be located. I took some time off trying to settle my situation because I was livid and when you 're livid you do n't think straight. Years has gone by now and trying to get my issue resolved has been even more of a hassle because the company has sold " 3 more times '' since when I lived there. I get calls from collectors now for something that I ca n't even get information for.. I called " National Credi
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: the collection company contacted me with XXXX % debt reduction offer for payment if made by XX/XX/2016. I sent the check that was dated XX/XX/2016. they contacted me again on XX/XX/XXXX ( after a whole month ) to say that they have not rcvd the check on XX/XX/XXXX but on XX/XX/XXXX hence the XXXX % offer is not valid and they are requesting the remaining XXXX %. Also, the collection company did not report to credit bureau that i paid the XXXX % or that by their offer that dept should no longer exist. since I did n't send my check via register mail, it 's their word against mine. i did try to reason with the person i talked to that 1 day should by acceptable for error margin but they refused.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30062
Submitted Via: Web
Date Sent: 2016-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-07
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Consumer Complaint: The agent was very rude and unprofessional also unwilling to listen to me took control of the whole conversation and hung the phone up while I was still talking, also I asked to speak to his supervisor and all that happened was he used a different name but was the same individual the agent name is " XXXX "
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33176
Submitted Via: Web
Date Sent: 2016-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-10-03
Issue: Taking/threatening an illegal action
Subissue: Seized/Attempted to seize property
Consumer Complaint: I received a letter on my job in reference to an outstanding balance of {$1000.00} on account # XXXX. The letter reference the balance and advised its an attempt to collect debt. Further down in the letter it stated " If our client initiates a lawsuit and obtain a judgment against you, the may pursue their lawful recovery options, which may indicate any or all of the following based upon legal procedures allowed : Garnishment of wages ( states excluded : XXXX, XXXX, XXXX, XXXX ), liens placed on property including automobiles, real estate, or other real property, and seizure and auction of personal property. They were contacted on XXXX/XXXX/16 and was advised a payment would be made on XXXX/XXXX/16 which is a Saturday. I was contacted by phone on XXXX/XXXX/16 at XXXX from XXXX by a gentlemen asking me questions about why my daughter made the payment arrangements, why did n't I call and then stated my wages would be garnished and was trying to help me out. I was very uncomfortable with the call and the reason why this gentleman was asking questions by daughter and the threat issued. Unfortunately I was n't able to catch his name because the call really made me nervous and uncomfortable. I was advised he and the company violated the fdcpa laws by issuing a threat to me.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2016-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-09-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX on XXXX XXXX, we were evicted from our home. My Partner died on XXXX, XXXX, we all lived together. On my credit report they are charging me twice as much and Magistrate Court said we owe them less. I only want to pay my percentage, I 'm having a lot of difficulty renting and /or buying a home. Please help me.
Company Response: Company disputes the facts presented in the complaint
State: GA
Zip: 300XX
Submitted Via: Web
Date Sent: 2016-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No