Date Received: 2023-05-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX wasn't XXXX I was to rent bldg XXXX prorated rent for XX/XX/XXXX XXXX wasn't ready to rent requiresd major maintenance bathroom and bathtub ( unuseable ), kitchen also needed to be resurfaced maintenance work order completed XX/XX/XXXX had to wait before removing plastic maintenance didn't do clean up. XXXX days before completed. Leakin walls flooded carpet had to be cut in order to prevent mold. provided large portable electric heater to dry water damage for XXXX days increasing electric {$100.00}. They charged me $ XXXX for parking withour having a car for the fees {$240.00} total. received national credit systems a bill for {$3200.00} balance forward {$2500.00} and added {$910.00} fed XXXX rent moved XX/XX/XXXX with paint, carpet cleaning, cleaiing total bill {$3900.00} requested a detail of balance forward couldn't provide.I went to debtor XXXX and was told no balance due account closed. National hasn't responded to calls letters and hasn't removed it from my credit reports. They have even sent email to pick up packages in XX/XX/XXXX. National has charges after XX/XX/XXXX open date XX/XX/XXXX. I can provide documents if required.
Company Response:
State: NV
Zip: 89107
Submitted Via: Web
Date Sent: 2023-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Attempted to send a debt validation letter with information thats reported on my credit report and letter was returned ANK ( attempted not known )
Company Response:
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXX applied to the XXXX XXXX XXXX located in XXXX Texas on XX/XX/17. XXXX XXXX was assisting me with the leasing agreement during the time. I was informed that my Financial aid could not cover the full year of XXXX. I was required to have a Co signer to cover the expenses when the financial dissolved. I was also giving a time frame to contact XXXX XXXX regarding a Co signer and seeking more funds for financial aid or the lease would be terminated. I sent over an email on XX/XX/2017, stating that I am requesting to cancel my lease because of financial aid. I received a email from XXXX XXXX on XX/XX/2017 Acknowledging my email, stating that she was sorry to hear about my financial aid balance. If I have future request about XXXX please contact back. Prior to the email I was sent a denial letter stating termination because the deadline was not met for a co signer. I was emailed a welcome letter stating a lease agreement with a forged signature stating XXXX XXXX XXXX. I did not agree to proceed with the application. I have doucments showing that I lived on campus for the remaining of the year. Prior to the emails from XXXX and I stating the application cancellation.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX I sent a letter to National Credit Systems Inc about a collection placed on my credit for {$7700.00} that says I lived at XXXX at XXXX XXXX. According to my credit report, it shows the last payment was made XX/XX/XXXX. Not only is this information inaccurate, the apartment is in a completely different city from where I lived in XXXX. The letter I sent was a debt validation letter asking to be provided with any proof that we ever had any kind of agreement to which they have not responded.
Company Response:
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: After reviewing my XXXX credit report I saw that their was a debt being reporting by National Credit Systems for the amount of {$3700.00}. At no point was i notified regarding this debt in order to verify its validity prior to it being placed onto my credit report. I do not owe such debt to National Credit System/ or their client. National Credit Systems are in direct violation of the Fair Credit Reporting Act Section 623 ( a ) ( 7 ), as defined in Section 603 ( p ), a Furnisher must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
Company Response:
State: GA
Zip: 30024
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Dear Sir/Madam, I am requesting validation of an alleged debt your company is attempting to collect from me. According to your records, I owe a {$450.00} balance for NATLCRSYS. Before making any payments or discussing the matter further, I would like to ensure that the information associated with this debt is accurate. As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the alleged debt : A detailed explanation of the Amount claimed, including an itemized breakdown of the principal balance, interest, fees, and any other charges. A copy of the original contract or agreement between the original creditor and me, signed by both parties, shows I agreed to the debt. The date of the original debt and the date the debt was transferred to your agency. Proof that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority. The name and contact information of the original creditor, if different from the current creditor. Any payment history associated with the debt, including the dates and amounts of my payments. Verification that the debt is still within my state 's statute of limitations for collection. Please note that, under the FDCPA, collection activities must cease until you have provided the requested information to validate the debt. If you can not provide the required documentation, I ask that you stop all collection attempts and remove any negative news related to this debt from my credit reports. If the alleged debt is valid, please provide the requested information within 30 days of receipt of this letter. If I do not receive the information within this time frame, I will consider the matter resolved and expect no further communication regarding this debt. Thank you for your attention to this matter. I look forward to receiving the requested information. Sincerely, XXXX XXXX
Company Response:
State: LA
Zip: 70816
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I sent a money order to XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XXXX for {$450.00} which was processed on XX/XX/XXXX. The XXXX at XXXX XXXX has also sent me a ledger and a letter saying that I have paid the {$450.00} in full. National Credit Systems still insists that I owe XXXX XXXX XXXX XXXXXXXX XXXX the original {$450.00} even though I paid in full 6 months ago and have sent the ledger and letter as proof to the National Credit Systems email. I have even disputed this charge with XXXX by sending in the ledger and letter on XXXX In turn, XXXX has reported that there is a {$0.00} balance for this account. Yet for some reason, XXXX still has not closed this account and insists that I owe the {$450.00}. When I ask for proof they have contacted XXXX XXXX XXXX XXXX XXXXXXXX about the original {$450.00} or for a status report they become very disgruntled. They do not have proof that they have recently contact XXXX XXXX XXXX XXXX XXXX and do not have proof that this debt has not been paid past the date my payment was processed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-10
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: I was informed by XXXXXXXX XXXX that I owed a debt of {$4300.00} to a third party debt collector. And I was totally confused because the company was under national credit system. I did try to dispute this matter twice! Now XXXX wont let me dispute it and because the original creditor violated THE FCRA -15usc6802 and now they are trying to take away my own right to dispute and actually help me! These people want me to claim fraud so bad, and this isnt fraud! Its abuse, and a legit threat of and to my livelihood.
Company Response:
State: PA
Zip: 19128
Submitted Via: Web
Date Sent: 2023-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
Company Response:
State: SC
Zip: 291XX
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-09
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: A debt of {$350.00} has been reported by XXXX Credit Bureau. They never contacted me until they reported the debt. I told them that I had paid the company already in form of security deposit. When I started renting I paid a security deposit of {$650.00}. While they actually owe me money, they instead reported a debt to my account. They told me that they will check, but they didnt. Please remove this false debt from my account. Thanks.
Company Response:
State: IL
Zip: 60060
Submitted Via: Web
Date Sent: 2023-05-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A