Date Received: 2023-08-16
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/2023 I sent a letter to XXXX on XXXX XXXX in XXXX, Georgia and to National Credit Systems ( a collection agency ) asking them to validate the alleged debt on my credit report by producing the original contract with a wet ink signature. I sent the letters on XX/XX/2023 via certified mail and gave them 10 days to respond. On XX/XX/2023, National Credit systems sent a letter, non-certified ( which I received on XX/XX/2023 ), stating that their client ( XXXX on XXXX XXXX ) authorized them to extend a special opportunity for a " 50 % debt discount '' offer in which they offered 50 % off the alleged debt if it were to be paid by XX/XX/2023. Neither XXXX on XXXX XXXX or the debt collector National Credit Systems provided the original contract with wet ink signature nor was the alleged debt validated in any way shape or form.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Took or threatened to take negative or legal action
Subissue: Collected or attempted to collect exempt funds
Consumer Complaint: On XX/XX/XXXX I had applied for county/state rental and utility assistance program in XXXX XXXX I lived in at the time. ( I was an unemployed single parent ) due to multiple circumstances and issues during covid that prevented me from working and had to seek help through the county program ( XXXX of XXXX XXXX Florida my participant # XXXX ) I applied and was approved to receive the assistance that was to start in XX/XX/XXXX. From the very beginning It was constantly an issue that the payments that went directly to the landlord and utility company was not paid on time or even close to the time they were due. Understanding that the landlord and utility company were contacted and aware that I would be receiving the assistance and that they would receive these monthly payments directly. I provided the required information ( bills ) every month but would continue to go unpaid. Contacting the XXXX every month regarding the unpaid and extremely late payments. My utilities were disconnected 3 times due to there non payment and accrued multiple late fees and additional charges every month. I received eviction notices every month and was charged over a $ 100 monthly in fees. I had to move out or get evicted from my XXXX apartment due to the ongoing non payments and resulted in moving to another apartment to avoid being evicted. Having no choice but to move out and find another place for my family to live and had to pay {$2700.00} in rent and deposits to move into another apartment. I paid these fees and XXXX month rent and was approved in XXXX XXXX from the same county assistance program XXXX of XXXX XXXX but XXXX continued to go unpaid which resulted in my children and I to be evicted on XX/XX/XXXX, XXXX attempted to fight the eviction but ERAP would not help or assist me to contact the landlord to stop the eviction, cover the rent owed and basically was told sorry we cant help you. once we were evicted and had XXXX minutes to vacate our apartment and was not allowed to pack our belongings and returned the next day to get our belongings which had been thrown into garbage bags and had multiple items and belongings damaged and destroyed by the property management. At that point when evicted we had no where to go and had to move out of town to another family members home in XXXX XXXX. In XX/XX/XXXX the property management company sent the outstanding balance claiming I owed {$11000.00} ( 3 months rent of {$2000.00} from XXXX XXXX and multiple additional fees and charges of over {$5000.00} ) to collections and applied to my credit report. I have made several attempts to resolve this issue with the XXXX program since XX/XX/XXXX begging them to pay these outstanding bills that now prevents me from finding a home or getting approved for a loan due to the collections on my credit report and I have no means to pay these outlandish balances that I have and still continue to incur and has severely damaged my credit and ability to provide for my family. I am begging for someone to help me regarding this matter and help me resolve these outstanding bills and collection issues and order the XXXX assistance program of XXXX XXXX pay the rent and utilities that is owed due to there negligence of paying the approved bills that should have been completely covered in full based on the amount I had been approved to receive ( {$15000.00} ) I had hope to resolve this directly with the assistance program since it is a state/government funded assistance program. PLEASE HELP ME FINAL RESOLVE THIS MATTER so I can provide for my family immediately and in the future without the constant issues that these collection accounts that is owed and should have been covered under the assistance program but is preventing me from receiving any type of financial assistance or finding or getting approved for finding a home and trying to get an emergency personal loan to help with covering current housing costs, monthly bills and just simply being able to provide for my family and immediate necessary needs that is so desperately needed but continues to prevent me from doing what I need to do. The outstanding balances that has been sent to collections is : {$11000.00} Rent owed ( XXXX XXXX apartments XXXX Fl ) ( but should only owe {$6000.00} in rent owed for XXXX XXXX ) the balance reflects all the late fees and additional charges I have been charged due to the continued non payment. {$740.00}. ( XXXX utility XXXX Fl ) overdue utilities ( the amount also includes late fees and additional charges due to non payment ) this is an outstanding bill from XXXX and XX/XX/XXXX. This account was closed in XX/XX/XXXX when we had to move out and had to move to another apartment due to the non payment of rent owed by the XXXX program. XXXX XXXX XXXX XXXX XXXX XXXX XXXX rental/utility assistance program XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: FL
Zip: 34491
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: There accounts on my credit report that I did not have anything to do with I just want to get them disputed of my credit report
Company Response:
State: TN
Zip: 38135
Submitted Via: Web
Date Sent: 2023-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-15
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I do not owe this debt. I paid the rental company and they still put fees on my account. It wad during the pandemic. I was sick with XXXX. I could move right away. The office said I could break my lease due to some shooting happened there. The bullet went through the apartments. Then six months prior they were notified by me that this person had a gun. Nothing was done about it. Until he shot through the apartments. I would like this debt removed from my credit report. Thank you.
Company Response:
State: NC
Zip: 27703
Submitted Via: Web
Date Sent: 2023-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Since XXXX through XXXX I have been trying to solve an incorrect reporting by National Credit Systems Inc. In XXXX of XXXX I consulted with an atty to represent me on my behalf of which they agreed, and the attorney group sent a letter to National Credit Systems via certified letter of which it revealed they received the letter and did not comply with my request. since thus time this company has not mail any supporting documents to the attorney group to support why they are reporting a charge of {$6900.00} on all XXXX major credit bureaus, which is greatly impacting me. Additionally, I have sent letters to the credit bureaus in XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX, still no resolve. National Credit Sytems continues to update credit report monthly siting collection.
Company Response:
State: FL
Zip: 33027
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to arrest you or take you to jail if you do not pay
Consumer Complaint: The problem is that this NATIONAL CREDIT SYSTEM company is duplicating the accounts I have a collection, they do not want to withdraw the accounts, they have duplicates and they just call me, threatening to take money from my account and proceed legally, these accounts were opened fraudulently by a credit company departments that obtained my information and illegally rented to other people in my name, I contacted the departments and they only told me that I had to pay or I would be taken to court, I specified that I had never lived there and that they did not even have my income as to prove income, everything was done under my social security and not verified, in general they took my social and rented to personals illegallyXXXXXXXX XXXX XXXX was the place they used
Company Response:
State: KY
Zip: 40258
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-14
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National Credit System Collection reporting a debt to the credit bureaus says that I owed in the {$3800.00}. I received a copy of my credit report and found they are reporting this inaccurate item ( online credit report ) I contacted the above mentioned agency by phone and writing said debt belongs to me. Contacted the Original Creditor by phone XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Iwas told I owed debt. I do not owe the debt and I want its delete from my credit reports.Its hurting my character. Date report to credit bureau XXXX XXXX in the amount of {$3800.00}.
Company Response:
State: PA
Zip: 18020
Submitted Via: Web
Date Sent: 2023-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National credit systems refuse to provide any information stating that I owe a debt. Refuse to provide any judgment against me. I have been disputing it, and it keeps coming back as verified on XXXX, XXXX, and XXXX, with no evidence that this is my debt.
Company Response:
State: TX
Zip: 75052
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
Company Response:
State: TX
Zip: 77084
Submitted Via: Web
Date Sent: 2023-08-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-08-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I received a debt collection notice from National Credit Systems , Inc in XX/XX/XXXX stating I owed a debt of {$1500.00} from XXXX XXXX for XX/XX/XXXX unpaid rent. I provided proof of rent payment to National Credit Systems , Inc. and received a response letter that they could not verify my claim of payment. I provided an email payment confirmation and bank statement showing payment, which is ample evidence of payment. When
Company Response:
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A