Date Received: 2023-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I paid my account in full with XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/2023 and I have the confirmation letter but the company still hasnt taken the charge off my credit report it still says unpaid which is not true and Ive tried to dispute the inquiry and even provided proof I paid the account in full and they still havent done anything about it please help
Company Response:
State: WA
Zip: 98055
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Received call approx XXXX telling me we owed XXXX to XXXX XXXX, an apartment we rented back in XXXX gent told me we had until XXXX to satisfy debt, or they would report to credit bureau XXXX I received an alert from credit bureau, and it turns out they had aready reported to them. I still have not received any validation of the debt. Now, of course my current lease is up in XXXX, and with this on my credit report, I will not be able to get an apartment..I have bank statements for the last XXXX years showing all my bills paid ( XXXX XXXX ), and there is no way this charge is valid, and now that apartment building has been sold to new owners.
Company Response:
State: FL
Zip: 32751
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I dont owe this debt. I have never lived at XXXX at XXXX XXXX and have asked multiple times for proof of a lease with my signature and this collection to be taken off my credit reports.
Company Response:
State: GA
Zip: 30116
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make this unfair practices.
Company Response:
State: VA
Zip: 23223
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: From the year of XXXX 2020 I lost hours and my apartment would t work with me I owe XXXX now.
Company Response:
State: TX
Zip: 77045
Submitted Via: Web
Date Sent: 2023-02-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I moved out of my apartment at XXXX XXXX in XXXX on XX/XX/2022. I received a Final Notice of move-out charges totaling {$390.00} on XX/XX/2022, which was also the first notice as I received no other correspondence regarding this matter either through email or regular mail. They are trying to charge me for upkeep of normal wear and tear, specifically replacing a carpet. Both the terms of the lease and Florida law state landlords are responsible for maintenance of normal wear and tear. I started the dispute process with the landlord through email, and they were unable to provide me with information on why I should be charged to replace the carpet. The only explanation they were able to give me was that it was " excessive wear and tear '' and the carpet 's " usefulness '' had been used up, but were unable to provide specifics on either of these descriptors. In the middle of me disputing these charges my previous landlord stopped responding to me on XX/XX/2022. After not responding to me for 2.5 months, the landlord sent my account to collections and is now saying I have to bring up all disputes with the collections agency. I believe the " debt '' the landlord sold and the collections agency is pursuing is illegal. The collection agency also did not provide me with their license to collect debts in Florida after I formally requested it.
Company Response:
State: FL
Zip: 328XX
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: National Credit Systems is reporting a collection account on my credit report. I have reached out to them directly requesting validation of this debt and they have ignored my request. I am pretty sure per the consumer laws that it is illegal to ignore a consumers request to dispute an account and I am demanding that this account is deleted from my reports.
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-10
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been disputing this collection account on my reports with XXXX XXXX XXXX for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
Company Response:
State: TX
Zip: 77021
Submitted Via: Web
Date Sent: 2023-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-11
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. National Credit Systems , Inc. is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report. 15 U.S. Code 1692e - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
Company Response:
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-09
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Moved in XXXX XXXX XXXX on XX/XX/XXXX thru XX/XX/XXXX apartment manager XXXX XXXX was taking unauthorized charges for rent, rent that was calculated according to my affordability, by XXXX XXXX XXXX when there is a change to my income rent is suppose to change as well., month of XX/XX/XXXX my income changed to less rent should of been less also by law, apt manager never changed my rent to lower i brought this to her attention i recieved letter from HA that my income is less my rent will be less, apt manager recieved the letter she never changed it to lower she kept taking the same amount of rent I stated to her that she was suppose to change the rent amount to lower my bank statements show the same rent taking out she did not want to change she was suppose to by Law! she ended up taking more than she legally was suppose to, I moved XX/XX/XXXX she didn't do a vacate inspection i requested one she said take pitcures and send them to her. I did. upon move out apt manager stated to me acording to her ledger I don't owe anything, I gave apt manager my forwarding address to send my security depost. XX/XX/XXXX I received a collection for a debt that was totally false from collection agency National collection agency I requested a valid list of the debt they sent me 3 different ones with the same words but different amounts. I believe she is retaliating against me for calling Code Enforcement for the infestation of cochroaches, collection agency sent me a bogus debt amount on XX/XX/XXXX for {$920.00} for damages i believe its her wear and tear she want me to pay for she kept my {$700.00} deposit {$1400.00} overcharges unauthorized rent. she owes me.
Company Response:
State: CA
Zip: 93662
Submitted Via: Web
Date Sent: 2023-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A