Date Received: 2023-12-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: XX/XX/XXXX XXXX XXXX XXXX amount {$5800.00} Request to be removed from credit provided report number and file company never responded back
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: NATIONAL CREDIT SYSTEM is reporting a collection on my consumer credit. They have not validated this debt and is committing fraud by reporting any information to my consumer report without contract or my authorization.
Company Response:
State: TX
Zip: 77584
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I always paid my rent with Money Orders. And this last time was no different. I gave the apartment complex my two money orders and they took them both. then about a week and a half later. Managment came to my apartment and said. That the first larger amount money order went through. But then hands me the second money order back along with a 3 day pay or vacate and adds on a late fee as management tells me that the second money order bounced. Correct me if I'm wrong, but how does a money order bounce? Also said we need to pay that amount along with the late fee. But can no longer use any money orders to pay it. I called the money order company XXXX XXXX and asked them about it, and they said it is still good. I see later that management failed to sign back on money order. But by then it was too late. I could not pay the amount and late fees without another money order. If I even had the money too. So, I did what the law states. I had to vacate the apartment. Which I was able to cash the money order in myself at my bank later on a few days later. The amount was only {$440.00} And now nearly six months later I get a collections report put on my credit report for {$2000.00} + dollars from them. When it is not right money orders don't bounce last, I knew. I tried disputing it, and only thing i got was told it was valid and they raised the amount by XXXX dollar more. I do not think this is right whatsoever. Money orders don't bounce. right?
Company Response:
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2024-01-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I am reporting this company because I noticed on my credit reports, that they have reported a debt of {$250.00} owed to them or someone named XXXX XXXX??? I am telling you right now I DO NOT KNOW EITHER OF THESE COMPANIES, NOR HAVE I EVER HAD ANY DEALINGS WITH EITHER. I do not know why I am being blamed for owing them {$250.00}, but I can assure you, it is a fraudulent debt. Most likely due to identity theft because Ive had my information compromised as a lot of my personal information in my wallet was stolen many months ago, and so Ive been dealing with the ramifications of that. Ive asked this company for proof to show I owe this debt, and they never responded in the allotted time. Per advice by my attorney, I am offering this final chance for this company to make this right, as I do not have to do that, and could easily commence litigation against them and anyone they are lobbying for. But this is your chance to rectify this situation. Delete this fraudulent trade line from all of my credit reports ( XXXX, XXXX, & XXXX ) IMMEDIATELY!!! Or be faced with litigation and be sued to the fullest extent of the law applicable.
Company Response:
State: KS
Zip: 66062
Submitted Via: Web
Date Sent: 2023-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-21
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a notification on my XXXX account that a collection agency reported a negative on my account back in 2022. I dont owe this company any debt. The amount is XXXX Id like this company to remove the negative from my credit report. Ive tried communication with them they were rude an disrespectful towards me.
Company Response:
State: CA
Zip: 90803
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that NATIONAL CREDIT SYSTEMS had illegally posted an alleged collection account to my credit report. I have never started nor an opened account with this company. My report shows that NATIONAL CREDIT SYSTEMS open account was opened on XX/XX/2019 with a balance of {$1300.00}. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never received a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I fully understand 1692g. Validation of debts ( a ) Notice of debt ; that states within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumer 's written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. ( b ) Disputed debts - If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) of this section that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. ( c ) Admission of liability - The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of tracking that would require my signature. And if the company did mail anything to me, where is the legal proof of tracking or my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making home renovations. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on www.consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. Under 12 CFR Part 1006 and as a consumer defined under 15 USC 1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt, legally report to the credit agencies, and follow all FCRA and FDCPA. As of this date, they have failed to do so. NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX
Company Response:
State: TN
Zip: 38125
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Woke up today and seen Nation Credit systems on my credit report. I never received any type of communication from them. No email or letter has been sent to me about this communication. Also this debt has been impounded by order of court. And the balance is also incorrect. I have proof of everything. I do not owe this debt at all. It was impounded by the court. Legal definition of impoundment of the court is that this information was to be sealed. It sealed by the court. The court is legally over National Credit Systems. I also just called and National credit systems is trying to illegally obtain money I do not owe. When trying to speak to them and explain to them one representative named XXXX told me that she has no clue what impound means and that I would need a lawyer and then hung up. They have violated my rights as a consumer. I have the right to dispute but they have taken that right from me by placing this on my credit report without me given a chance to dispute. Files will uploaded stating it has been impounded by court order. Also you will see its checked that by agreement the court having made no actual foundings. Bill Status of HB2299 is what states that this information was to have not been sold to any third party collector or debt collector.
Company Response:
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am deeply frustrated and concerned about the ongoing issues I'm facing with National Credit System. Despite my repeated efforts, including sending multiple letters and a validation letter, they have continuously failed to respond. Yet, they persist in reporting to XXXX, XXXX, and XXXX, which I believe is a clear violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 regarding the Validation of Debts. Furthermore, the amount they are attempting to collect is higher than what is allegedly owed, adding to the gravity of the situation. In a recorded phone conversation with National Credit System, they claimed to have been hired by the original creditor. However, when I requested information about this creditor, which they are legally obligated to provide, they stated they didn't have it. This lack of transparency is not only deceptive but also unfair, falling squarely under the Unfair, Deceptive, or Abusive Acts and Practices ( UDAAP ). Their statement that even if the original creditor accepts payment and I settle the debt with them, they would not remove the entry from my credit report is another point of contention. This stance is not just unfair and deceptive ; it's outright abusive and goes against the principles of honesty and transparency that should govern their operations. The entire situation is causing me significant distress and is a major concern that needs to be addressed immediately.
Company Response:
State: GA
Zip: 30121
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party, unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' The companies never informed me of my right to exercise my nondisclosure option. Also,15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information ; any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. These accounts are adverse items that are reporting without my consent which is against the law. Furthermore, these adverse items also violate The Privacy Act of 1974 and 16 CFR 313. I sent a letter on XX/XX/XXXX exercising my consumer right to opt out and these companies completely ignored me and are continuing to furnish my personal information without my consent.
Company Response:
State: GA
Zip: 30318
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I asked for this company to produce the debt and they have not complied. They sent me a lease that was filled out online and proves nothing to resolve the debt. I have a signed letter from my landlord as to my residency for over a decade. I will submit it with this application to be forwarded to this company
Company Response:
State: AR
Zip: 722XX
Submitted Via: Web
Date Sent: 2023-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A