Date Received: 2023-01-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: My mother first noticed this on her account and tried to resolve it with the company in XX/XX/2022. The company told her that she needed to submit a roommate cancellation agreement. She did not have a copy as it had been over 5 years and she had moved overseas during that time. I lived there with her and moved out when she did. The roommate is responsible for these charges not my mother and I. She gave them a copy of the lease the roommates manager had signed after we moved showing we were no longer on it. The ledger they sent also shows it was paid in full the month we moved out. The management clearly knew we were gone when they made the new lease offer as we were not on it, but the collections company clearly is scamming us to pay it because they can not get the money from the people that really owe it. Collection Agency was NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response:
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was an on-site Property Manager at this apartment community. I was offered a free apartment if I lived on-site ( on-call ). I submitted my resignation letter giving a two-week notice. AFTER I leave the company and move out, I am sent a letter stating this HUGE account is in collections, an account I never knew about! I fulfilled my two-week notice period and moved out that next day. I reached out to the collection company to provide documents pertaining to this debt and found an account ledger that charged me rent TWICE. The agreement was that I would receive my discount until the end of my employment. I contacted the corporate office and requested someone call me to discuss these huge discrepancies. They never called back, but a few weeks later I received a letter from an attorney 's office stating that the original creditor has requested counsel in discussing this debt. WHAT? This is ridiculous. I was never told I owed anything while I was living there. I was never notified of a balance due at move-out. I was never contacted by the property after moving out - that I had a balance. They charged my account with fraud expenses, sent it straight to collections, and are now putting up a wall to any communication other than through an attorney. Is this even legal?
Company Response:
State: TX
Zip: 752XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
Company Response:
State: SC
Zip: 29223
Submitted Via: Web
Date Sent: 2023-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response:
State: MI
Zip: 48227
Submitted Via: Web
Date Sent: 2023-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-06
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, National Credit Systems INC. reported a delinquent account to my credit report. They said an apartment complex called XXXX XXXX XXXX XXXX in XXXX XXXX XXXX retained them to collect an amount of {$3200.00} owed to them from me in back rent. I live in XXXX XXXX XXXX XXXX XXXX during the time of the lease in XXXX XXXX XXXX also a victim of identity theft ( I have a report for this ).. I contacted the company after seeing the account on my credit report and I emailed them a copy of the police report, I emailed them a lease for my home in XXXX for the dates the lease was signed in XXXX I also sent them paycheck stubs from my XXXX XXXXXXXX during those dates as well its been over a year going on XXXX years since Ive emailed those things and the company will not remove the account from my credit report. Im now XXXX because no one will rent to me with owing a previous landlord!
Company Response:
State: GA
Zip: 30281
Submitted Via: Web
Date Sent: 2023-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: In accordance with the fair credit reporting act National credit systems acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct # XXXX has violated my rights. 15 u.s.c 1681 section 602 A : States I have the right to privacy 15 u.s.c 1681 section 604 A section 2 : Also states a consumer reporting agency can not furnish a account without my written instruction.
Company Response:
State: GA
Zip: 30141
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: Nation Credit Systems, INC is not registered nor has a license in the state of Florida where I reside to collect any debt in Florida. Please see attachments of this companys current active license/registrations. Florida is not listed. I will also be submitting a complaint with my state attorney general and the FTC.
Company Response:
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2023-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-04
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: In XXXX of 2018 XXXX XXXX posted a notice of XXXX hours to vacate on my door. I complied with their written request and left the unit spotless after hiring a maid service to clean. They have said I left my lease & have posted on my credit the cost for the remainder of the lease. What they did was illegal & this debt is not valid. I was never late with payment- it was retaliatory for complaining about their property & XXXX XXXX being sold out of it by the neighbors.
Company Response:
State: TX
Zip: 75214
Submitted Via: Web
Date Sent: 2023-01-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Yes, I tried to talk with company the issue the debt. By phone and we discussed their issue, then I was sent by email a final billing statement. Over the phone she informed me of what the debt in detail. Its utility and carpet cleaning. an all comes up to XXXX {$XXXX} ) Now carpet cleaning u suppose get free cleaning once a year. Not only that I got pics of how carpet was left I carpet cleaned it and my pics shows it. XXXX ) My rent is XXXX $ plus utilities. Every month we go to a website that tells us how for that month. Example of monthly rent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ this was paid to XXXX XXXX XXXX XXXX ( not late ) During the phone call with XXXX XXXX XXXX XXXX I said I clean carpet and I will send pics - XXXX XXXX XXXXXXXX XXXX blocked any info I tried to send. They always go after credit even if you pay on time. This amount is when I moved and XXXX months after that was already excluded in rent One received one utilities statement when we moved in I was not given one show the amounts asking for. The debt collectors XXXX to report to creditors. If I dont owe the debt why would I talk to the debt collectors national credit system, inc . Debt collectors just want money they cant resolve issue. So when move-in it was prorated and had to moved in the middle of the month too so I was going to send that same amount XXXX $ anything else is fraud already paid during the year.
Company Response:
State: GA
Zip: 30122
Submitted Via: Web
Date Sent: 2023-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-03
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I received a notification via XXXX that XXXX XXXX XXXX has reported a collection account and reduced my XXXX XXXX. I never received any information on this account and the amount reported {$3200.00} does not state the reason for the debt and is incorrect. I have tried to connect with the company for XXXX weeks ; no response. On XX/XX/2023 I connected with the company and was told they dont have my account and I need to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX So, why was a collection reported on my credit file by XXXX XXXX XXXX? I was never informed, they are denying the claim, and they will not provide me any information on the debt claim. I would like this removed from my credit report.
Company Response:
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-03
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A