Date Received: 2023-07-27
Issue: False statements or representation
Subissue: Indicated you were committing crime by not paying debt
Consumer Complaint: I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
Company Response:
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am writing to address a concerning issue regarding my credit file. I have noticed the presence of a collection entry from your agency, which has caught my attention as I was not previously informed about this collection. Additionally, I have serious doubts about the accuracy of the debt being claimed. Under the Fair Debt Collection Practices Act, I have the right to request validation of the debt. Therefore, I kindly ask that you provide me with the necessary validation and take the necessary steps to resolve this matter.
Company Response:
State: GA
Zip: 304XX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I moved out of my condo that was being represented by XXXX XXXX and XXXX. I cleaned every inch of that place and even left keys and submitted receipts for the carpet cleaning but they still charged me for this and several other petty things like light bulbs, air filters, and mini blinds. I told them that they could keep my deposit since it was XXXX dollars even though I knew it wouldn't be more then that but apparently it was more and now a year and a half later, they are charging me for an amount I wasn't aware of and no email, mail, or phone correspondence from XXXX XXXX and XXXX, just a bunch of disrespectful calls, emails now from the XXXX XXXX XXXX. I also don't have access to my old account to prove I paid this because they disabled it.
Company Response:
State: AZ
Zip: 85635
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-27
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: National Credit Systems has reported an erroneous debt to the credit bureaus since XXXX. The amount allegedly owed is {$5300.00}. The original creditor is premier property management. In XXXX, a letter was sent requesting Covid-19 pandemic relief. However, the property management began retailing after a series of repair request, leading to a request for lease termination due to contract breach. XXXX began using retaliation tactics by reporting erroneously to the credit bureaus. Even though the property management was aware of a financial sufferance from Covid-19 pandemic and requested a waiver/ relief. Management continued to retaliate, while completing outside and unit renovation and decided to pass that debt unto me. The unit was never ready to rent, thus breaching contract, but somehow the property management wants those repair costs passed unto their consumers.
Company Response:
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I have been sending letters to the debt collector & the credit bureau in an attempt to have the debt that they say I owe verified, as well as get proof of this so called debt. Multiple times they have refused to provide proof of my wet signature or any proof at all of this alleged debt.
Company Response:
State: TX
Zip: 77065
Submitted Via: Web
Date Sent: 2023-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I recently obtained my credit report and it shows a collection from National Credit Systems , Inc . I was never notified of this collection and I do not believe this debt is accurate. I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with National Credit Systems. They did not provide me with the original contract as I requested. Also, under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. I am requesting that National Credit Systems Inc please provide me with a copy of all the following : 1 ) Documentation that shows that I agreed to pay this debt with my signature and documentation that shows I gave them permission to have my information and paperwork showing I gave them the authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and I am reporting them for such. Please see attached letter for full details of my dispute with National Credit Systems , Inc .
Company Response:
State: SC
Zip: 294XX
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I have been disputing an account with National Credit Systems ( NCS ) for the past 8 months regarding application to XXXX XXXX XXXX XXXXXXXX, a property that XXXX XXXX XXXX had ownership of between the years of XXXX, the time of original application. My application did not qualify due to the complexs minimum monthly income-level requirement. I was notified that my residency would only be approved by XXXX XXXX by providing an eligible guarantor. Because I did not have access to a guarantor at this time I was not able to pursue residency at XXXX XXXX. Consequently, I resided elsewhere for my XXXX career. Afterwards, I became aware that XXXX XXXX XXXX turned me to NCS. NCS has claimed and reported to all credit bureaus for the previous 4 years that their " client '', The XXXX XXXX XXXX XXXX XXXX a debt of {$5600.00} for the entire lease term for which I had made application and was unable to take on residency. In addition, NCS has repeatedly stated to me that their client would not accept a settlement in the amount of less than {$4000.00}. However, upon contacting their client directly and speaking with management, XXXX XXXX, I was provided documentation stating the attempt was to collect only {$1500.00} according to the ledger generated XXXX XXXX XXXX. In addition, XXXX XXXX reported that due to the age of the account, I could contest the debt with her help upon NCS contacting their client directly. However, NCS has stated that they do not contact clients and continues to claim their client pursues a debt of {$5600.00}. After submitting documents that their client reported a debt of {$1500.00}, I was informed by my " agent '' that an investigation to authenticate documents would be made and based on conclusions appropriate action would be taken. As NCS has been shown to falsify information, I have no confidence in their investigation. I need a resolution to this issue according to their client to contest this debt
Company Response:
State: TN
Zip: 37076
Submitted Via: Web
Date Sent: 2023-07-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: This is my 4th and final attempt to resolve this matter amicably. National Credit system continues to violate my rights and I have suffered financial and emotional distress for over a year as a result of this account. I have no balance owed to the original creditor or to the national credit system company that has been assigned this alleged delinquent account for further collection actions. To confirm that I do not owe any balance I have an email from the Land Lords assistant property manager of the apartment community stating that there is no balance owed. The property manager is CC on the email as well. National Credit system is aware of this because I have sent all correspondence to them via certified mail # XXXX that was delivered and recieved. I have sent a request to validate this debt, I have sent a Cease and Desist to stop collection activity and all forms of communication directly via phone calls and indirectly through all mediums of communication. In XXXXact reporting the unverified debt to Credit reporting agencies is a form of indirect communication of a debt further violating my rights by the reporting of this inaccurate account. I have also sent an affidavit declaring the facts of this situation via Certified mail.
Company Response:
State: MD
Zip: 20743
Submitted Via: Web
Date Sent: 2023-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: NATIONAL CREDIT SYSTEMS has refused to validate the debt or to provide me with any documentation that proves that I owe the debt. I believe that the debt is either invalid or FRAUDULENT. NATIONAL CREDIT SYSTEMS is engaging in debt collection without a valid license, which is in violation of applicable laws and regulations. I believe that NATIONAL CREDIT SYSTEMS is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Violation of Se ction 807 ( 2 ) You are Continuing communication after a cease and desist request. Violation of Section 1692 ( g ) : Failing to send a written debt validation notice within five days of the initial communication with the consumer about the debt. Violation of Section 1692 ( d ) : Repeatedly calling with the intent to annoy, abuse, or harass I, the consumer. I understand that under 15 U.S.C. 1692, I am entitled to statutory damages of up to {$1000.00} for each violation of the FDCPA.
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2023-07-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-25
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: First, I would like to ask the National Credit system to stop reporting this account on my credit report because they are injuring my credit profile and this has caused my credit score to drop XXXX points, they have caused some of my credit limits to drop and I am unable to obtain more credit. I have asked the National Credit system for Debt Validation and they had failed to do so, I demand a line-by-line w/description explanation and supporting documents ) from the first month, I would like to see from XX/XX/XXXX to XX/XX/XXXX which they have failed to provide. They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation. This account is also reporting charges that do not belong to me I have asked the national credit system to Explain in writing what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor National Credit System to try to collect the initial late fee late payment in the amount of {$310.00} for XXXX months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me. This account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of fees. Needless to say, the apartment has to be repainted each and every time its rented my unit has normal wear and tear. Here are a few more other things I am looking for in connection with the National credit system collecting this debt. Any creditor regarding this account has made any insurance claims ( I need ) Any Judgments obtained by any creditor regarding this account ( I need Name on the file of the alleged debtor ( I need ) Address on file for the alleged debtor ( I need ) Amount of alleged debt ( I need ) This alleged debt became payable ( I need ) Date of original charge off or delinquency ( I need ) Verification that this debt was assigned or sold to the collector ( I need ) Complete accounting of alleged debt ( line-by-line w/description explanation and supporting documents ) from the first month I paid my rent and my security deposit. ( I need ) Explain in writing in my lease, what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia ( I need ) Commission for debt collector if collection efforts are successful ( I need )
Company Response:
State: GA
Zip: 30260
Submitted Via: Web
Date Sent: 2023-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A