Date Received: 2016-04-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I acquired this debt XXXX 2015 from my apartment complex. I have been working with National credit system Inc. paying off a debt in the original amount of {$3100.00}. My collector name is XXXX XXXX ext XXXX, which she is very rude, abrupt and argues with you. I have now paid a total of {$1800.00} towards this debt, and last Thursday XXXX XXXX at XXXX I called and spoke to my collector and we reached a settlement amount of {$800.00}. I agreed to pay the settlement and she tried to run my card for the {$800.00} my card did not go through and declined so I gave her permission to contact my bank with me on the line. We called my bank and I spoke to an agent that advised the reason why my card could not go through was the payment would oversee my daily limit for the day, and that the amount that I could use my debit card for the remaining of the day was {$200.00}, but that we could use a check to make the full payment. Once we ended the call with the XXXX XXXX rep the line hung up completely. I tried calling back several times and I was then receiving an automated voicemail that it was after hours, which then I told myself I would just call back the next day to continue the payment. I looked at my online banking account and noticed a {$200.00} charge from National credit system was reflected. I thought it was weird that she processed a portion of the payment without me acknowledging and before the call hung up we were advised that we could do check by phone for the full settlement amount of {$800.00}. On Friday XXXX XXXX I called back at XXXX to pay the remaining settlement since she debited {$200.00}, and then again received the automated message that the office was now closed. Typically I call after work so decided that I would just call on Monday XXXX XXXX to finally settle it all. On Monday XXXX XXXX at XXXX I called to and spoke to XXXX XXXX . During this call she was very rude yelling over me and advised me that she would no longer honor the {$800.00} settlement amount and that I would have to pay the balance in full. I asked her why she would not honor it and she advised that settlement no longer stood, and that I did not call back on Friday to settle I advised her that I did call and that I received a message that the office was closed and she advised that they close at XXXX on Friday and that it was my fault. Frustrated and upset I hung up with her as I sat and thought about the situation I realized that if she was no longer going to honor the settle amount then why did she debit my account the {$200.00} without my permission and did not follow the federal rules and regulations when processing the payment like she has in the past when I pay a payment as advising that my card was going to be charged that amount. I then called back at XXXX to speak to the manager, The manager I spoke to was XXXX XXXX XXXX XXXX he was very rude to me, also speaking over me. He advised me during that I was making acquisitions saying that XXXX XXXX did not follow proper guidelines with charging my card, and that he would have to listen to the call and would call me back the next day. I then told him that I know my rights and how they are handling me is against federal regulations and I was going to file a complaint at the state attorney general office, and he hung up on me. The next day Tuesday XXXX XXXX XXXX XXXX did not call me back, but XXXX XXXX called me back at XXXX and advised me that the settlement amount now was {$1100.00} minus the {$200.00} payment she took for a total of {$960.00}. I told her we agreed to an {$800.00} settlement amount, & that if she was not going to honor the settlement then why did she take the {$200.00} payment out my account on XX/XX/XXXX without proper authorization. She then proceeded to say that I could be refunded the {$200.00} payment and take my total account back to {$1400.00}. How I have been handled is unfair & unjust.
Company Response: Company believes complaint is the result of an isolated error
State: FL
Zip: 33020
Submitted Via: Web
Date Sent: 2016-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-20
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: I asked to break my lease in the apartments that i resided. So they asked for {$1000.00} dollars as a fee for breaking the lease. I paid that money plus the rent of that month. I left the apartment by the end of XXXX and they said said that the apartment will be leased at XXXX so you have to pay remaining balance till XXXX. I figure out that they are charging me {$4600.00} of rent for XXXX and XXXX and XXXX. The lady working told me i only pay for XXXX. So i want to dispute these extra charges and complain.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2016-04-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-19
Issue: Taking/threatening an illegal action
Subissue: Attempted to/Collected exempt funds
Consumer Complaint: I was living in XXXX XXXX OH for 3 years. I have moved out to new location. after few days settlement charges are sent. It was {$710.00}, an unbelievable high charge. one of the item that an electric stove was asking {$480.00} dollars by saying reason that spoiled by me. Actually I used to cook at last day also there. I opened top cover to cleanup before moving out. the new similar stove in market is {$350.00}, also apartment given me old stove that have an appraisal value of {$150.00}. I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2016-04-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-13
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: In XX/XX/XXXX I requested my credit report and noticed an account that i do not recognize. Therefore, on XXXX XXXX, 2016 I mailed a validation letter to National Credit System for an account they are reporting that they claim I owe them. I requested that they provide proof of the account. To date, I have not received a response related to the information I requested.
Company Response: Company can't verify or dispute the facts in the complaint
State: TX
Zip: 78238
Submitted Via: Web
Date Sent: 2016-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-12
Issue: Cont'd attempts collect debt not owed
Subissue: Debt is not mine
Consumer Complaint: National Credit Systems , Inc. XXXX XXXX XXXX, XXXX, GA XXXX, XXXX or XXXX ) called multiple times with caller ID deceptively displaying " XXXX XXXX ''. Also, falsely reported to XXXX that myself and my daughter have an unpaid debt.
Company Response: Company disputes the facts presented in the complaint
State: MO
Zip: 641XX
Submitted Via: Web
Date Sent: 2016-04-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: Yes
Date Received: 2016-04-10
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was discharged in bankruptcy
Consumer Complaint: This issue has already been brought to the attention of Cfpb, with no outcome, even when submitting all documentation trying resolution of this debt. In XXXX, after losing my job due to a XXXX medical condition, I leased a XXXX-bedroom apartment through XXXX XXXX XXXX. Below is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.I entered into this lease with a co-worker, XXXX XXXX ; and due to my job loss, and my first SS XXXX check not coming till XX/XX/XXXX ; I had a co-signer XXXX XXXX , a friend of mine. After not quite 6 weeks, XXXX, my roommate explained to me that her daughter needed a place to live. Together, we both went to speak with the Business-Department @ XXXX .They were understanding, allowing me to transfer to the only apt . vacant @ the time, as a temporary move until something became available on the first floor. With my medical condition worsening, my physicans wrote a letter to the XXXX that I was in need of a XXXX floor apt , due to my inability to continue living on the XXXX floor without elevators. This new address I moved into on XX/XX/XXXX was : XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX. My security deposit and co-signer application was transferred to the new address. Upon losing my position in XX/XX/XXXX, I was faced with filing Chapter XXXX Bankruptcy, due to my debt I could n't pay. My lawyer advised me, to convert this to a Chapter XXXX, since I could not pay the debts included in my initial Chapter XXXX petition. named XXXX as a debtor in both chapters. They did not respond to the Chapter XXXX or XXXX claims, so it was the option that they did not want to follow-up with this. XX/XX/XXXX, I was no longer physically able to live on the XXXX floor. I was in constant contact with XXXX Business Office discussing with them my situation. Due to this apt . being kept in excellent condition, I was able to give a 30-day notice with the understanding that this would be paid for my last month 's rent. I felt supported by them and assumed that this matter was closed. My Chapter XXXX Bankruptcy was discharged on XXXX/XXXX/XXXX. XXXX never reported this to me, and initially the collection amount was placed on all XXXX credit bureaus in XXXX. This was not reported since XX/XX/XXXX.Upon my vacating this apt . I left forwarding addresses, phone numbers and my email. I was n't placed in Collections for this @ the National Credit Systems till XX/XX/XXXX. I feel that I explained the situation to XXXX upon me leaving, and parted on good terms with a XXXX balance. I again ask that this account be removed from all XXXX credit bureaus.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: SC
Zip: 295XX
Submitted Via: Web
Date Sent: 2016-04-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-08
Issue: Cont'd attempts collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid off a debt with National Credit Systems. They are to report to the credit bureaus that debt is no longer in dispute. XXXX reports that NCS has not requested to have the dispute removed. I 'm not able to close in my mortgage until this dispute is removed from my credit.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: TX
Zip: 78759
Submitted Via: Web
Date Sent: 2016-04-08
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: No
Date Received: 2016-04-08
Issue: Disclosure verification of debt
Subissue: Not given enough info to verify debt
Consumer Complaint: I lived in this property for two years never late always on time with my rent. Moved out XXXX XXXX, 2015 and they told me i owe {$1900.00} for cleaning and damages in my apartment. The collection agency has called harassing me about this amount making threats numerous of times. I have written letters to both the agency and the original accuser. Not once did they provide me with an itemized list of the cost of these exact charges from cleaning services as requested in writing. They have came up with a made up amount trying to charge me because i did not renew my lease with them. They took my security deposit and that should have been enough for any cleaning charges etc. I do not owe this property any funds and they are making up amounts with no proof of damages cleaning that had to be done but giving me plenty of threats. I have XXXX witness that helped me moved that can vouch for me that this apt was left best cleaned. Prior to leaving i have had many issues with my tub not working lights going out refrig not being fix etc and i once did not complain about the neglect i received here, but then get a bogus charged and spoken to rudely like i did n't full fill a lease or something. I believe because i was young and single mother they were trying to get over on me. Especially with raising my rent every year and not my Neighbors. They will manipulate you into renewing a lease with them any way possible.
Company Response: Company believes it acted appropriately as authorized by contract or law
State: OH
Zip: 43123
Submitted Via: Web
Date Sent: 2016-04-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-04
Issue: Disclosure verification of debt
Subissue: Right to dispute notice not received
Consumer Complaint: I found this on my credit report without me even knowing.
Company Response: Company can't verify or dispute the facts in the complaint
State: GA
Zip: 30044
Submitted Via: Web
Date Sent: 2016-04-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No
Date Received: 2016-04-02
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I set up a verbal payment arrangement to pay off my amount owed. I started making payments but due to my financial situation i missed one payment. I still had full intentions on pickubg back up my payments the following pay period i explained this to my account rep and told him you do not need to continue to call me every day about my debt i will make the payment asap. He still continued to call me then told me he is jusy going to put refusal to pay on my account and i need to honor my word. I called and askwd to speak to his supervisor left him a message and havent heard anything.
Company Response: Company disputes the facts presented in the complaint
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2016-04-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: No