Date Received: 2016-06-19
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/XXXX and XXXX/XXXX/XXXX 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: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2016-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-17
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I received notification on XXXX/XXXX/XXXX that there was a posting by a collection agency to my credit reports I checked and found it was National Credit Systems Inc.of XXXX, XXXX that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau, I have requested directly to National Credit Systems on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX that they provide me proof that they sent a letter of notification informing me about this debt to XXXX XXXX, I also requested that they send me a validation of this debt with XXXX Apartments which all they ever provided was a copy of my lease with XXXX XXXX Apartments, I also requested that they send me proof that they are licensed to practice debt collection in the State XXXX pursuant to the XXXX Statues XXXX XXXX XXXX as required by the XXXX XXXX, I also requested that they send me proof that this account has not crossed the Statue of Limitations period XXXX XXXX which XXXX is 4 years from the date of the last payment date, which they failed to provide any of the preceding requests of proof. I would also like to point out that I checked with the XXXX and they do not have a corporation registered as National Credit Systems Inc.
Company Response: Company disputes the facts presented in the complaint
State: FL
Zip: 32701
Submitted Via: Web
Date Sent: 2016-06-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-15
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: National Credit Systems put a file on my husband and my credit report. When I called several years ago when it first appeared the amount the were trying to collect was over XXXX. We knew we did not and had never owed that amount. The issue is we moved and had to break a lease. The owner of property had property management company take us to court for judgement on what was owed. They were awarded around XXXX from the court. Nothing more was to be owed. We began paying the property management company and have a ledger with their letterhead to prove that. I am not sure how or when National Credit Systems became involved but I did receive a letter and called them. When I attempted to give the facts they were hostile, rude, cussing me out and yelling. National Credit Systems has over the past few years changed the DATE on the account, the NAME on the account and the amount owed. We have gotten all credit bureaus to take it off when we send documents to them, but 3 or 4 wks later they put it back on with information changed and we start all over again. As the amount they now show is XXXX it is deeply hurting our credit. There is a judgement for the correct amount and per that court that is ALL WE OWE. THey have been told that and send that information on the judgement. If you look up this National Credit Systems online you will see all the shady things they do by reading reviews. We would like this taken off our credit and something done to this fraudulent company so they no longer bother us. I do not believe it is legal to CHANGE DATE, NAME and AMOUNT to keep sneaking it back on to our credit. We have called them as well and again get cussed at, threatened and they do not see that they are doing anything. Their attitude on phone is we can do what we want. This is not ok- to put false information on someones credit and then try to bully them into paying. How many people have they scammed that did not know to fight back? Please help. I have documents I can send that show judgement, ledger of payments and all the times they CHANGED the info to get it back on our reports. National Credit Systems is a fraudulent company scamming people and should be stopped.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2016-06-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-12
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: National Credit System is attempting to collect a debt from me for XXXX dollars and I never established a contract with this company.Furthermore this company has reported negative items on to my credit report and is violating the FCRA standard.
Company Response:
State: GA
Zip: 30165
Submitted Via: Web
Date Sent: 2016-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-13
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: In XXXX through XXXX XXXX, I disputed the judgement with XXXX XXXX XXXX ( XXXX ) located in XXXX, AZ. The complaint was issued through www.consumerfinance.gov. Upon reviewing my complaint, this information requesting the payment of {$4000.00} was removed from my credit report when XXXX failed to validate/verify the account information. Now, XXXX is re-inserting this information with a different balance of {$7200.00}, ( XXXX XXXX XXXX XXXX XXXX XXXX ).
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2016-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-13
Issue: Improper contact or sharing of info
Subissue: Contacted employer after asked not to
Consumer Complaint: I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.
Company Response: Company disputes the facts presented in the complaint
State: AZ
Zip: 85326
Submitted Via: Web
Date Sent: 2016-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-11
Issue: Improper contact or sharing of info
Subissue: Talked to a third party about my debt
Consumer Complaint: National Credit systems is reporting my debt collection on my credit report for {$880.00}. We offered to pay it in full and get it deleted but they refused. It was sold to a Law firm without our knowledge. So national credit systems is reporting it and the law firm is collecting this is not ethical.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30518
Submitted Via: Web
Date Sent: 2016-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-09
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/XXXX I asked National Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter saying 'We regret you have failed to make suitable arrangements concerning the above reference account '. On XXXX/XXXX/XXXX I again ask Nation Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter showing me a plain old bill. 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 XXXX 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: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2016-06-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-06-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: For several years I have been trying to resolve a collection account with National Credit Systems. The collection account was originated by XXXX in XXXX, NC. Please see the attached copy of emails which describes the problems encountered. Due to the problems encountered at the XXXX with an infestation of XXXX, the Complainants were offered an early cancellation of the lease by the apartment manager onsite at the time without any fees or penalty. The Complainants accepted the offer and proceeded to move from the apartment. Apparently, later senior management decided to renege on the manager 's offer, and after the Complainant left the apartment they sent the Complainant a bill for the early cancellation of the lease. National Credit System, the debt collector, was allegedly contracted to collect the account. The Complainants had sent several letters to the debt collector explaining the situation, but the debt collector ignored the letters and continued to try to collect the alleged debt without verifying the Complainant 's information. The debt collector has not excised adequate due diligence to determine the validity of the account they are trying to collect despite request to so by the Complainants. The Consumer Financial Protection Board has stated in court case that the FDCPA " grants consumers a legal right to truthful information in their dealings with debt collectors, '' the CFPB said, citing the Supreme Court 's XXXX ruling in XXXX ( XXXX XXXX XXXX ). The debt collector in the Complainants case is in violation of the FDCPA as indicated by the CFPB due failure to provide the Complainants with truthful information. Furthermore, the alleged debt is prescribed by the North Carolina statute of limitations which states that a contract, obligation or liability arising out of a contract, express or implied, '' is three years in accordance with N.C. Gen. Stat. XXXX ( XXXX ). XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX ). In addition, the debt collector is listed as an inactive debtor collector by the North Carolina Department of Insurance. As such the debt collector is trying to collect an alleged debt without a valid license as required by the State of North Carolina and in violation of N.C. Gen. Stat. XXXX which constitutes a felony. See citation below. The debt collector has engaged in unfair and deceptive acts, in violation of Regulation AA, by trying to collect a prescribed alleged debt and by providing a negative credit history to the credit bureaus to force the Complainants pay for debt that is not owed and a tool to collect a prescribed debt. This practice is also in violation of Fair Credit Reporting Act which prohibits creditors from providing false and inaccurate information to a credit bureau. The debtor failure to conduct adequate due diligence to determine the accuracy of the debt they are trying to collect after gaining knowledge of the disagreement with Apartment management and continuing to try to collect resulted in violation of the FCRA. The debt collector ignored the Complainants rights under the Fair Credit Reporting Act, and purposely ignored the information provided by the Complainants with the willful intention of inflicting financial damage to the Complainants. The Complainants in good faith recently offered to pay an amount of up to {$200.00} for the nuisance value of the debt 's collector action, but without accepting the alleged debt, however, the debt collector did not respond to the offer. However, the offer was made before the Complainants became aware of the debt 's collectors illegal practices, unfair and deceptive acts and practices, violations of the FDCPA, and North Carolina debt collection laws and criminal violations. Continued on attachment
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27215
Submitted Via: Web
Date Sent: 2016-06-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-06-08
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: After giving this company a 30 day notice I mailed and emailed XXXX XXXX XXXX a 30 day notice that I would be moving out at the end of XXXX XXXX. I repeatedly tried to call them to meet me for a final walk through but no one responded. In XXXX XXXX, I received a bill for over {$4000.00} in " damages ''. I contacted XXXX XXXX notifying her that the amount was incorrect and sent pictures as well. She stated, " After my supervisor reviewed the pictures from your move out and your email in response to the charges, he has agreed to remove the paint charge of {$1200.00}. You still have a total of {$1700.00} of move out charges and balance owed to XXXX XXXX XXXX is {$2200.00}. You will need to talk with XXXX to set up payment arrangements. '' I contacted her stating that I did not owe any money for the floor because I did not damage the floor. Also the repair cost they stated was too high. The floor became damaged due to a leak from the AC unit in the attic. The maintenance personnel repaired the leak. Also I did not damage any cabinets or shelves. I noted that they were off track in the move in document. I notified the property management of the damage and they said it would be taken care of. The floor boards were never replaced. I contacted XXXX XXXX about getting a final settlement amount and payment arrangements. I called and sent several emails asking for an explanation of the {$2200.00}. No response from XXXX XXXX XXXX. In XXXX XXXX I received a collection notice from National Credit Systems Collection Agency stating that I owe {$2200.00} and must be paid as soon as possible. XXXX XXXX XXXX did not contact me concerning this after I made several attempts to settle the issue. It should not have been sent to National Credit Systems collection agency without giving opportunity to settle the issue.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: AL
Zip: 35758
Submitted Via: Web
Date Sent: 2016-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes