Date Received: 2016-07-03
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I have never been contacted from the original creditor ( apartment complex ). after 3 months a debt collector contacted me and sent me unverified bills ( unreadable/blur ) and also none of those bills have my name on it, my ex-roommates only and they trying to charge me of the whole amount that i do n't know what it was for!! we left the apartment clean and they did n't say anything until after 3 months and never contacted me directly.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45212
Submitted Via: Web
Date Sent: 2016-07-03
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-07-04
Issue: Communication tactics
Subissue: Threatened to take legal action
Consumer Complaint: I have an account from national credit systems that was originally for XXXX dollars for a broken lease for apartments. I resided in the apartment homes for one month and moved due to the environment, at this time I had gotten a phone call from national credit systems around XX/XX/2010 saying I had been sued and owed them XXXX dollars. I disputed this account on this basis that I never received notification prior to it reporting to my credit as well as that the balance was inaccurate, I requested at this time a debt validation within 30 days which was never received, at this point I requested the account to be removed from my credit report. It was not. I have disputed this account on 9 separate occasions throughout the years following and continue to get a response from the credit bureaus stating " national credit systems has validated this account with OUR company '' I have never received a debt validation from this company and I have all accurate up to date information for correspondence on my credit report. This is in violation of the fair credit reporting act to not send debt validations and say the account is validated. My last dispute was about 30 days ago on the basis that the company violated the law stating that a landlord must seek a new tenant when previous tenant breaches a contract and terminates lease before completion. This community charged me for the remainder of the lease and never made reasonable attempts to re-sell the property.
Company Response: Company can't verify or dispute the facts in the complaint
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2016-07-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-07-02
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to National Credit System. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with National Credit System. This was an Apartment Lease from XXXX XXXX . and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by National Credit System. In this case the debt should be removed from my credit report and out of the office of National Credit System because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 77054
Submitted Via: Web
Date Sent: 2016-07-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-30
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems reported an alleged debt to my credit report. The collection account has appeared on my credit report without me ever been notified. It has been on my credit report for over 3 months. It caused me monetary damages and ruined my credit score since National Credit Systems reported a " collection account '' to the Credit Bureaus rather than reached out to talk or try to collect a debt first. They never sent any written information for over 3 months the account was on my credit report. I disputed the account with the Credit Bureau early in XXXX 2016. I disputed it with the National Credit Systems shortly thereafter. I called them to discuss just today XXXX/XXXX/2016. No resolutions have been reached as of yet. My credit score continues to be ruined. I need my credit report cleared and I need to learn about protections under the law that I can enjoy as related to Fair Credit Reporting Act. It is not right to just have any random person decide to place any alleged debt to another person 's credit report. This alleged debt appeared as a debt on my credit report with no prior checks, controls, verifications, or filtering by neither the collection agency or the Credit Bureaus. It is the same as anybody- your neighbor, ex spouse, ex employee ( XXXX ) would just make up a list of debts against you ( the reader ) and submit it to the Collection Agency. In turn Collection agency reports it to the Credit Bureau. Our XXXX does not attempt to resolve it with you, does not mail you anything, does not take you to courts, but resorts to malice and intimidation that hurts financially you personally and other businesses. I say the damage goes beyond my personal wallet as it also hurts other businesses and banks who decide not to do business with me and ultimately any of us in the same situation because of unjustly low scores. Responsible parties must be accountable for wrongdoing and the entry needs to be removed from my credit report. I need your assistance in this process.
Company Response: Company disputes the facts presented in the complaint
State: MO
Zip: 63141
Submitted Via: Web
Date Sent: 2016-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-30
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I recently discovered that this company was reporting a collection with account number XXXX on my credit reports. For quick resolution, I contacted them and offered to pay the debt if they deleted it from my credit reports and they agreed. Now that I have paid the debt they are refusing to remove it!
Company Response: Company disputes the facts presented in the complaint
State: NC
Zip: 27612
Submitted Via: Web
Date Sent: 2016-06-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-27
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: This charge is for my son 's lease on an apartment while he was in college. We hired an attorney to get him out of the lease because of proven mold issues and negligence. This lease was only signed by him at the time of termination. He indeed turned his key into the office but they are saying that he did not so they are charging him {$100.00}. I was a co-signer on the previous year lease but was not on this second year lease, that is how they have my information. This is direct retaliation for them having to terminate the lease agreement.
Company Response: Company disputes the facts presented in the complaint
State: SC
Zip: 29720
Submitted Via: Web
Date Sent: 2016-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-24
Issue: Communication tactics
Subissue: Used obscene/profane/abusive language
Consumer Complaint: A representative from National Credit Systems called my cell phone and did not leave a message. A few moments later, I received a call from my office ( different department ) saying that I had a call. Once the call was transferred, a lady on the other end asked to speak with me. At this point, I have never allowed any debt to contact my job, this is a very embarrassing issue. So I ask what the call is regarding and she says her name I believe, but I was unable to hear her. Then I politely asked her/him to repeat and then she gets a major attitude. She says that her name was XXXX with national Credit Systems and that she was collecting a debt. At this point, because she was being so disrespectful, I wanted to know an address to mail in a complaint. I will not allow anyone to treat me as she did. Then she would not give that information, she was able to say that she will continue to contact me on my job. I told them, on a recorded line, that they are not to contact me at my cell or my job. I will allow them to send me an email, but thats the extent of the communication I will allow. I called back and spoke with another woman, she was able to get me the address to file the complaint. I then asked to speak with a supervisor, who was calm at first, then rude. I asked her full name so that I could include it in this report and she would not give me that information. She only told me her name was XXXX XXXX in XXXX, XXXX. I know my rights as a consumer : " XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. ( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. '' - Fair Debt Collection Practices Act ( FDCPA ) I believe this situation falls within the category of harassment. Their phone number was XXXX. They called for the very first time, XXXX/XXXX/2016 @ XXXX ; XXXX , XXXX . I would like to allow you all the opportunity of looking into this matter. I do not know what the debt is regarding, or if its even mine. I will not speak with them again until I speak with someone via mail that has sense. Thank you for your time. XXXX XXXX
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2016-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-24
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Live in apartment complex " XXXX XXXX '' for close to 7 years. Payments for rent always on time however, it was an unsafe living situation, Report made o housing authority for leaking roof and rampant growing mold. Had just XXXX and management continued to refuse to fix mold problem. Had to move due to health issues. Now the apartment complex is still charging {$1800.00} for broken lease.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: FL
Zip: 33870
Submitted Via: Web
Date Sent: 2016-06-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-23
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: The original creditor, XXXX XXXX XXXX XXXX maliciously reported a fraudulent account to National Credit Systems XX/XX/2013. XXXX XXXX and I ( XXXX XXXX ) moved out XX/XX/2013. On our move out date the ledger proves that not only was there a XXXX balance with XXXX XXXX XXXX XXXX but we never missed a payment or was late and we also received our deposit back from them. We did n't have the best relationship with their staff, mind you, they were very rude people and treated residents as if we were inferior. 4 months later XXXX XXXX XXXX, who has managed XXXX XXXX XXXX XXXX for the past 4+ years, reported that XXXX and I allegedly owed {$550.00}. Because XXXX and I have lived in the same place for the past 3 years, we had no clue that this was even on our credit until we were denied an apartment home recently. I visited XXXX to pull my record and ledger to have them fax it over to National Credit Systems. XXXX ( XXXX XXXX XXXX ) informed me in person that they had no record of me ever living there but it was a joint account and she could pull up XXXX 's. NOTE : They deleted me from the account because we had a dispute. XXXX ( office manager ) would not print anything with my name until I brought the lease the next day that they lied and said they did n't have. However their corporate office insists that they do on recording. Once the lease was presented, she then faxed a letter head to NCS stating that they had no rental history on record for XXXX XXXX to National Credit Systems. XXXX and I still have the lease we signed. National Credit Systems also has this lease ( they use as validation of alleged debt ) because it was sent to them by XXXX. Since XXXX would not grant me anything in writing stating that I lived there and did n't ever owe a balance, this was not sufficient enough for the debt collector ( National Credit Systems ) to delete the file. The ledger showing XXXX balance was also not enough. XXXX XXXX of NCS insisted that XXXX was under " NEW '' management although they are not. He explained that because they are allegedly under new management, this is why they do not have my old records. However, XXXX 's name is still on the account there from when we lived there. My name is the only name deleted although it is on the lease. XXXX XXXX of National Credit Systems was very rude and wanted to loudly speak over me anytime I tried to explain this. When I decided that I no longer wanted to speak with this person, they continued to transfer me to him and he changed his name to XXXX XXXX as if I did n't realize I was speaking to the same person. He lied on his XXXX report stating that they are not XXXX in the same because he knows that he broke the FDCPA but they are the same. " XXXX XXXX '' had me send an email to XXXXXXXXXXXX, which is XXXX XXXX work email. I have both the email that was sent and the phone call was recorded. XXXX XXXX XXXX at XXXX has lied exceedingly to cover this up. XXXX XXXX aka XXXX XXXX at National Credit Systems is also going through great lengths to keep this on my credit as well. I have a meeting with my attorney in the morning and will be pursuing further legal action against both parties in their administrative and personal capacity.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2016-06-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-20
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Company Response: Company disputes the facts presented in the complaint
State: SC
Zip: 29910
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No