Date Received: 2022-11-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Below are the following accounts have been disputed XXXX times due to identity theft. National Credit Systems, Acct # XXXX {$2300.00} XXXX XXXX Credit Systems Acct # XXXX {$230.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Acct XXXX XXXX {$790.00}
Company Response:
State: TX
Zip: 75104
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I spoke the XXXX XXXX about my rent and my situation. I was then given the option by the assistant manager ( XXXX XXXX ) to go through with an eviction process or leave my apartment by XXXX XX/XX/XXXX at XXXX and be give a XXXX balance from XXXX XXXX. Me and my roommate followed instructions and turned in our keys and moved out belongings before the requested time. Some time later i looked at my credit report and was being charged {$6000.00} from them despite following instructions.
Company Response:
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/2018 {$4000.00}. I have tried to dispute the inaccuracy for National Credit System XXXX XXXX XXXX XXXX for the amount owed. This debt was sold to a Third party company and is incorrect. I do not owe this much on this debt. Per the XXXX XXXX XXXX I only owed {$1800.00}. The company refuses to work with me on the balance.
Company Response:
State: GA
Zip: 30274
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested. This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated. If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. XXXX XXXX XXXX XXXX
Company Response:
State: TN
Zip: 37128
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I rented an apartment in XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. At the end of the lease I was charged {$3400.00} for early lease termination and a remaining {$10.00} for water/sewer charge. The total was {$3400.00} as a remaining balance and that total sum was paid by check # XXXX which posted on XX/XX/XXXX. It was confirmed by the apartment management that the account was settled and closed in XX/XX/XXXX. National Credit Systems , INC . XXXX XXXX XXXX XXXXXXXX XXXX XXXX has persisted in attempting to collect a debt that was settled. I received constant collection calls and letters despite all indications that the apartment management has listed the account as paid and did not turn this account over to collections. National Credit Systems , INC requires all correspondence be sent via postal mail, but will not acknowledge any information I send them. They have reported to all three credit agencies that I have a delinquent debt for the months of XXXX and XXXX which has dropped my credit rating nearly XXXX points. Despite contact from both the apartment management and myself they will not remove this collection debt unless I pay them and additional {$3400.00}. I have attached a copy of the posted check, the account ledger from the apartment complex, a screenshot of an e-mail sent from the apartment manager to the credit agency stating they were informed in XXXX that the account was settled and should not be in collections, a copy of a letter received from National Credit Systems dated XX/XX/XXXX stating the debt still stands, and a screenshot of an XXXX credit report showing the false debt.
Company Response:
State: FL
Zip: 34667
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that NATIONAL CREDIT SYSTEMS had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$1700.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive 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. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) 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 to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call 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, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. 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 or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
Company Response:
State: MS
Zip: 38654
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Last reported XXXX XXXX National credit system XXXX XXXX on XXXX XXXX XXXX XXXX. open XXXX XXXX ( THIS WAS NOT ON previous credit until I personally made a complaint about the wrong dates and information )
Company Response:
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-06
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Some debt collection are trying to collect money from me theyre called National Credit Systems . I have never signed any documents, contract, or even agree to pay anything from them. And it is hitting my credit very hard
Company Response:
State: GA
Zip: 30458
Submitted Via: Web
Date Sent: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I submitted a dispute with XXXX for company National Credit System, They received the dispute on XX/XX/2022 and XX/XX/2022. How is it possible to complete an investigation of verified debt without showing proof of how the debt was verified, proof of the original contract agreement, description of the procedures used to determine the accuracy and completeness of the disputed information. I have requested this information from XXXX but they have failed to provide proof of verification of this debt and proof of a debt validation letter.
Company Response:
State: GA
Zip: 31907
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-04
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: Earlier this year- possibly XX/XX/XXXX ; National Credit Systems has placed a {$450.00} debt collection entry on my credit reports, without ever having followed the FDCPA and FCRA which required them to send me a notice of a collections effort on behalf of their client, XXXX XXXX XXXX, in XXXX XXXX Texas XXXX Instead of following requirements for debt collection, National Credit Systems siXXXX parked the debts on all of my family members ' credit reports- even those who were not on the lease agreement, at the time of move out. My daughter was the one who noticed that National Credit Systems had unfairly reported this debt on her credit reports, first. She was not even a party to the lease agreement, during the disputed debt time frame. Nonetheless, this was the first instance of realizing that National Credit Systems had violated our rights. However, my daughter disputed this debt ( rightfully so ) through her credit monitoring provider. The negative entry was removed from all of her credit reports. Nonetheless, this negative credit entry remains on my own credit reports as well as one of my son 's credit reports, illegally. Shortly, after my daughter noticed this on her credit and successfully disputed this item- my son retained a XXXX XXXX to assist us, who assured us that they would reach out to National Credit Systems . However, in the process of retaining the XXXX XXXX ; National Credit Systems finally decided to mail my son a letter in XX/XX/XXXX, using language to the effect where it pretended to have sent my son a prior notice. Again, it was not until my daughter discovered the illegal practice of debt parking of this debt on her credit reports. She was blind-sided wholly by this harmful and illegal act. Had she even been written a collection letter with an opportunity to dispute ; she would have immediately contacted National Credit Systems to inform them that she was not a party to this debt and to remove this debt from all of her credit reports. But she was not provided that opportunity.. The thing about apartment debt collection practices is that usually not only the apartments know that past tenants need to apply for another apartment as shelter and housing are necessary and basic human needs but they also can name their price since many times, especially due to the financial and adverse impact of the pandemic on finances ; renters are placed in a tight spot of facing having to pay these debts just to proceed with getting approved or having to pay a hefty and additional rental deposit which was exactly what happened to me, this past XXXX when I went up to lease my next apartment. In the process, I retained The XXXX XXXX XXXX which was a wasted effort because they flat out told me that they would not pursue legal action for debt parking committed by National Credit Systems, after I'd even provided them with a notarized Affidavit as part of the contract to retain their services, stating this fact- that I was never given an opportunity and nor were my family members- to learn of this debt before it appeared on our credit reports. XXXX XXXX ( client of National Credit Systems ) owe me a {$300.00} deposit based on Texas Property Code which @ Section 92.103- it states : " The landlord shall refund a security deposit to the tenant on or before the XXXX day after the date the tenant surrenders the premises. However, Section 92.107 provides an exception to this : The landlord is not obligated to return a tenant 's security deposit or give the tenant a written description of damages and charges until the tenant gives the landlord a written statement of the tenant 's forwarding address for the purpose of refunding the security deposit. The same section states that even if the tenant does not provide a forwarding address to the landlord, the tenant does not give up their right to a refund. The tenant may still pursue legal action. Remedies for Bad Faith Deductions If a tenant who paid a security deposit to a landlord believes that it is being withheld in bad faith, the tenant has a few options. If the tenant moved out and the security deposit or itemized list of deductions is not mailed to them within 30 days of moving out, they can sue. Section 92.109 allows the tenant to sue the landlord to recover three times the portion of the deposit wrongfully withheld plus other fees. When less than {$20000.00} is involved, the tenant can sue by going to the local justice of the XXXX XXXX ( justice court ). These suits often do not involve attorneys. For more information on filing suit in justice court, please see our guide to Small Claims Cases. Before a tenant files suit, the XXXX XXXX XXXX recommends sending a refund demand letter to the landlord. Both parties may also want to consider mediation before going to court. Taking those steps could lead to an resolution that does not require going to court. '' Thus, not only did I never receive my deposit or an itemization from XXXX XXXX, the client who National Credit Systems was hired by ; XXXX itself never sent me a debt collection notice. I had also provided the XXXXXXXX XXXX XXXX a copy of my signed Notice To Move Out which was signed by the assistant manager for XXXX XXXX attesting that I'd provided all forwarding contact information i.e. forwarding address, phone number and email address- only to get this surprised debt parked on all family members ' credit reports. After this action ; National Credit Systems reached out to one of my sons with an old lease agreement and a form from its client, The XXXX citing an amount, that was not justified nor did it provide an accounting/ explanation for why the {$300.00} deposit was kept. it simply stated {$450.00} was owed for 'damages ' and clean up fees. This still was well past the 30 days that The Texas Property Code stipulates for when the deposit or an Itemized Statement stating why the deposit is less or kept in full- must be provided. I moved out XX/XX/XXXX but again- experienced debt parking in XX/XX/XXXX. I had never received any communication from National Credit Systems, much less its client, The XXXX XXXX prior to hiring The XXXX XXXX XXXX, which only happened as a result of the debt parking committed by National Credit Systems in XX/XX/XXXX. Upon National Credit Systems being contacted by The XXXXXXXX XXXX XXXX ; only then did send the last lease agreement that I signed in XXXX, which covered the lease term from XX/XX/XXXX through XX/XX/XXXX. After that lease expired ; I refused to sign a new lease and I went month to month, for the duration of XX/XX/XXXX until XX/XX/XXXX when i moved out.. I was wholly misled by The XXXX XXXX XXXX which simply was interested in either agreeing to settle this debt with National Credit Systems as I'd expressed I'd need to lease an apartment soon and the paralegals kept stating that it would be a time-consuming process attempting to get National Credit Systems to agree to remove this debt. They also expressed that they would not again pursue the debt parking violation and that I could retain a different law firm for that. Being that I was unemployed and job searching ; I could not afford to hire another, different attorney after I'd been misled. I was able to obtain a refund from The XXXX XXXX XXXX as I was not interested in settling this debt when I was still owed a deposit. I was interested in a lawsuit but given that The XXXXXXXX XXXX XXXX seemed interested in settling this debt ; I didn't feel confident to continue the relationship and I instead opted to file a complaint with this agency.. Not only that ; The XXXX later 'validated " the debt citing carpet damage- without first addressing my deposit, again required by the Texas Property Code, cited above. It also did not state the original cost of the replacement carpet to apply against the IRS requirement for multi-family units. I even sent these mandates to The XXXX XXXX XXXX only for them to not address or raise this as a dispute against the debt alleged.
Company Response:
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2022-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A