Date Received: 2016-05-24
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Consumer Complaint: XXXX fell behind went to court their lawyer asked if we can settle on agreement I looked over the expense some was wrong we then took some item off the list and made agreement for XXXX which I agree to pay. I then got a letter stating I owe XXXX which was not what I agree to a small claims courtthey have threaten to put on my credit report which as of few weeks ago they did.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: IN
Zip: 46203
Submitted Via: Web
Date Sent: 2016-05-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-23
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I pulled my credit report along with using XXXX XXXX, I have sent a letter to the company with no avail. I have not nor have I ever done business with this company.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt. Intimate knowledge of the creation of the debt by you, the collection agency. As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter. Sincerely, XXXX XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77082
Submitted Via: Web
Date Sent: 2016-05-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-20
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: First I received a notice in the mail but not until XX/XX/XXXX I moved from there XX/XX/XXXX.I immediately contacted them to dispute that this was mine and they had already sent it to collections and put it on my credit 2 months prior to me receiving the notice.I was very upset to say the least.An error had been mADE I explained to the lady on the phone and I could proove I immediately put the docements together and sent to them in return I wanted to see what proof they could provide and OF course it was nothing but hand written lies .I asked for photos since they were trying to charge me for damages and they have yet to provide me with any.I however have plenty of photos prooving that there was a leak in this apartment and the mold damage, and along with a letter from the management ackknowledgement that I would not be charged damages and that I was moved out XX/XX/XXXX and they still wont remove this collection.This has caused me to not get employed in my profession and Im also trying to buy a house.Also I moved from this place in XX/XX/XXXX. Why did it take over 2 years for them to decide to place this file in collections? This file was placed on my credit report XX/XX/XXXX why not after I moved in XX/XX/XXXX if this was really mine.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30501
Submitted Via: Web
Date Sent: 2016-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The leftover fees for charges made after I left my apartment was paid in full. It was not suppose to be sent to the collection agency. I was told that it was their error and it would be deleted. 6 months later still no resolution.
Company Response: Company disputes the facts presented in the complaint
State: TX
Zip: 77042
Submitted Via: Web
Date Sent: 2016-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-19
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I initially moved into XXXX XXXX XXXX in XXXX, IL in XXXX after XXXX. Before I signed the lease, I had authorization from XXXX to received XXXX in order to pay for the apartment, as well as their approval to live off base. Shortly after I signed the lease my command and I learned that the base would not authorize both the XXXX pay and the off-base housing. I had no option but to withdraw from XXXX XXXX. My command supervisors had worked out an agreement with management so that I may leave the apartment. The verbal agreement was XXXX XXXX kept my security deposit and I pay the rest of the month 's worth of rent. The rent was somewhere around {$500.00}. One of my supervisors personally handled that affair. I did not sign any papers for the agreement. Nor did I receive and collection notices, phone calls, or mail from XXXX XXXX XXXX XXXX. On XXXX XXXX, 2016 I received a call from National Credit Systems with an attempt to collect {$3000.00}. I immediately opted to dispute the charges. Between XXXX and XXXX XXXX, 2016 I have been submitted letters, government documents, and statements from the supervisors involved with the debacle to help support my dispute. On XXXX XXXX, 2016, one of the managers from XXXX XXXX XXXX XXXX made it a point to call me, or rather harass me. The conversation summed up to be her claiming that my statements and the statements from my supervisors were " falsified, '' that they did not indeed accept or receive the ~ {$500.00} payment, and that my supervisors and I were " dishonorable. '' She also stated she felt threatened, that we were after her to get her fired. I did not say much in reply throughout the entire phone call, as I felt insulted. The next day I received a call from a representative of National Credit Systems Inc. The representative stated that XXXX XXXX XXXX XXXX would not accept the documents, that they did not receive the ~ {$500.00} payment, and the amount stands as {$3000.00}. The representative also went on to say XXXX XXXX XXXX XXXX would settle to {$2000.00}. I again opted to dispute the charge. As of XXXX, 2016 XXXX showed that my XXXX report had a " past due '' amount of {$3000.00}. I have since submitted another letter to National Credit Systems asking to dispute the charge, as well as dispute the charge on my credit reports.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: WI
Zip: 54481
Submitted Via: Web
Date Sent: 2016-05-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-18
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I am requesting that this claim be removed from my credit report. The creditor 's claim was made on XXXX 2010 ( over 6 years ago ) and I never received documentation on this claim. I have XXXX debt collection agencies requiring payment for the same claim originally sold to them by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued National Credit Systems seeking documentation on the claim. These are the steps I have taken with National Credit Systems : 1. I have never received any documentation on the claim from National Credit Systems, they are required to send me documentation of the details of the claim made. 2. I called National Credit System 's home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was ever sent to me. 3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me. 4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation or claim XXXX or to remove the claim from my report. No documentation was sent to me. 5. I contacted National Credit Systems over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me. The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies. The original claim made by XXXX XXXX was erroneous and National Credit Systems was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 28806
Submitted Via: Web
Date Sent: 2016-05-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-11
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: We were forced to terminate a residential lease early due to a death in the family in 2013. The leasing company tried to negotiate for us to pay for the house until they re-rented it - we did not agree, however, they proceeded as if we did. We paid two months rent, plus they kept our deposit, and instead of applying it to the termination fee, they tried to collect two additional months of rent and a cleaning fee. We have refused to pay it, since it was incorrectly calculated. They have refused to discuss it with us, maintaining it " meets FCRA requirements ''. Now, their most recent antic is to change the date on the report, so it looks like we started paying on it - we have not, nor have we negotiated any kind of settlement. The inconsistency of their reporting across the XXXX bureaus alone disqualifies this debt from meeting FCRA requirements. Their failure to provide any written proof of the debt is another.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: GA
Zip: 30542
Submitted Via: Web
Date Sent: 2016-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-10
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the XXXX XXXX Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case XXXX, which was paid directly to a XXXX at XXXX XXXX by money order. Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this. The attorney of record attempted to garnish the co-signers income, a woman of XXXX years at the time who was on a pension and Social Security, in gross violation of the law and a gross ethical violation under Arizona State Law. Upon contacting the creditor and demanding my rights to deal directly with them, they refused in violation of my rights. Upon contacting the collection agency and trying to make payment arrangement with one XXXX XXXX XXXX, on numerous occasions, this was denied and I was informed he would only accept the full amount for the settlement amount. Upon contacting the collection agency and attempting to pay a [ predetermined collection settlement amount I was informed XXXX of XXXX XXXX had now increased the amount. At this time I was also informed my account had been reported to a secondary agency for renters and a settlements would affect my ability to rent in the future. I was never informed of this. Upon contacting the collection agency with regards to the entire amount and requesting a breakdown, I was refused and rudely informed by XXXX that he had this file for years and he knew the amounts. Inasmuch as my mother is also listed on this account, she had her attorney contact XXXX and he subsequently chastised me for having an attorney contact him and was told to deal with him directly. Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.
Company Response: Company disputes the facts presented in the complaint
State: AZ
Zip: 85283
Submitted Via: Web
Date Sent: 2016-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-05-10
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: Called National Credit System and spoke with a XXXX XXXX regarding a letter needed stating I owe an debt. I explained never received and verified my address. XXXX XXXX advised could not send another letter regarding the debt they only allowed to send one letter.
Company Response: Company disputes the facts presented in the complaint
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2016-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-05-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt resulted from identity theft
Consumer Complaint: this company has kept on its record an account that is fraudulent was from my identity being and stolen and used to receive goods and servicews without my permission this company keeps this fraud account on their records in additoin to reporting it to the credit bureaus when knowing it is fake
Company Response: Company believes it acted appropriately as authorized by contract or law
State: NC
Zip: 27604
Submitted Via: Web
Date Sent: 2016-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No