Date Received: 2022-10-11
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: In Accordance with the fair credit reporting act XXXX NATIONAL CREDIT SYSTEMS INC 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 : it also states a consumer reporting agency can not furnish a account without my written instructions. I WAS RECEIVING SECTION 8 HOUSING XXXX XXXX XXXX SIGNED OFF ON NE NOT OWING ANY MONEY BECAUSE THE HOUSING AUTHORITIES PAID MY RENT AMD MY UTILITIES THEY ARE ADDING FALSE CHARGES FOR THE WATER BILL ON A DOCUMENT THEY TYPED UP NOT SHOWING THE REAL BILL AND PAYMENTS! ALSO I PAID A DEPOSIT OF {$700.00} THAT WAS NOT RETURNED NOR APPLIED TO SO CALLED CHARGES THIS IS THEFT AND I WILL HAVE MY LAWYER IN CONTACT! THIS IS A SCAM! You guys added 3 months of water bill service the housing authorities paid all bills and utilities NO WAY there was any balance! The housing authorities will not let a tenant move if any balances are owed! THESE ARE STATE LAWS! The home was sent to abdomen because the owners refused to fix leaking roof and plumbing! All this is documented! No deposit returned to the rebate and false charges put on the credit report to prevent future housing!? This IS AGAINST THE LAW!!!!
Company Response:
State: TX
Zip: 76028
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: So I lived in the district of XXXX XXXX apartments where I was paying rent and I always payed what was on my lease agreement months and month go by and they put a note on my door for a difference of {$2500.00} which I had no prior acknowledgment nor was notified about they was stating that it was the the difference that needed to pay I also had already notified the leasing office we will be terminating our lease due to military orders which also by law states that we can break are less with no extra penalties Under the SCRA, to end a housing lease early without penalty you must : Prove you signed the lease before you entered XXXX XXXX and that you will remain on XXXX XXXX for a minimum of 90 days. Provide your landlord written notice of your intent to end the lease early and a copy of your military orders. Which I had provided to them so now theres a debt collection on my credit and they are saying I was evicted when in the fact its not true also there notice says different dates from which they put it on my door which makes the notice incohesive.
Company Response:
State: AL
Zip: 36869
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-11
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Collection Debt Not mine never signed a lease only did a tour
Company Response:
State: CA
Zip: 92509
Submitted Via: Web
Date Sent: 2022-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-10
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XX/XX/XXXX I paid the National Credit Systems Inc. {$180.00} on the behalf of XXXX XXXX XXXX XXXX. As of XXXX XXXX the debt is showing in collections on my XXXX credit report. I've called National Credit Systems Inc. multiple times to have this debt /collection removed from report as agreed in XXXX, but they've denied my request and continue to dismiss me. Note : this debt was removed from my credit report in XXXX of XXXX, but reappeared this year.
Company Response:
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: On XX/XX/XXXX I received a notice from XXXX XXXX XXXX leasing office in XXXX, TN that I owed {$1800.00} in back rent. I immediately called the leasing office to ask how is it that I owe back rent when I have paid my rent on time and full for the past three years. The person who answered the phone hung up on me. On XX/XX/XXXX I was delivered a Detainer Warrant to appear in court on XX/XX/XXXX, at XXXX : am in General Sessions court. I continued to pay rent. I paid XXXX rent on time. I went to court on XX/XX/XXXX at XXXXXXXX XXXX. and waited for docket # XXXX to be called. That docket number was never called and I didnt see anyone from XXXX XXXX XXXX I recognized. The docket # was never called, but instead rescheduled for XX/XX/XXXX at XXXXXXXX XXXX I called the General Sessions Court and spoke with court clerk and she told me that the case was a continuance and rescheduled for XX/XX/XXXX at XXXX XXXX I went to court and my case still wasnt heard. I went to the leasing office XX/XX/XXXX, to pay rent and the office manager told they were no longer taking rent from me. She didnt tell why. I told her I had already paid XXXX rent. She told me that she knew and it was in their attorneys office. The case wasnt being heard and I contacted XXXX XXXX office via email and let them know I would be moving out in XXXX. I had been to court many times and my case hadnt been heard. In XXXX In went to General Sessions Court and received a print out of a document that a writ had filed on XX/XX/XXXX for eviction. The document had the initials XXXX, the wasnt me initial of my first but my daughters first name, but she didnt live in Tennessee or has never been to Tennessee XXXX I never mentioned my daughter to the leasing office or anyone else in the building. Before moving I made every attempt to share the documents I had with the leasing office and corporate office located in XXXX, TN to show that my rent was paid on time every month and in full. They never bothered to respond. Before moving out on XX/XX/XXXX I made sure was clean and livable. I handed in the apartment key to the office manager, the key fob, and mailbox key. I offered to pay for the months from XXXX to XXXX which would have been {$3000.00} with a down payment of {$860.00} with a notarized statement. They refused. There was a court date scheduled for XX/XX/XXXX and I returned to XXXX hoping this case would be finally resolved. This was my 10th court appearance. A collection agency in XXXX, Georgia National Credit Systems case # XXXX has a reported amount of {$4900.00} from XXXX XXXX XXXX XXXX. I been to court a total of 10 times. XXXX XXXX XXXX XXXX.
Company Response:
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XXXX XXXXXXXX XXXX They sent my information to National Credit Systems XXXX. I turned my move out notice in in XXXXXXXX XXXX XXXX, with a move out date of end of XX/XX/XXXX They sent me a letter 60 days after I moved told me I owed them for XXXX XXXX-I did not live there in XXXX of XXXX. Never had a walk through when moving out-This complex did not have ANYONE EMPLOYED AT THE TIME... I emailed them at the end of XX/XX/XXXX, was promised a follow up by XX/XX/XXXX they never followed up, I have tried contacting them to get this out of collections.. I want to file a complaint against the collections and the complex Below is a copy of the email sent... I received a notice at my new address of money owed. I owe you nothing. I have attempted to come there multiple occasions to return the keys and no one is ever on the property. I have made multiple attempts to reach someone and resolve this matter when I moved out and do not agree with the notice that I received. I also called the civil court house for advice on how to settle with your apartment complex as there is not support on the property. That is bad when things are not fixed and you have to call civil court and they are aware of problems on this property. That is not good. I do not owe XXXX XXXX any money. You all never fixed anything, the property is not well maintained or well kept and multiple tenants are complaining and you have the nerve to send me a notice states that I owe you. I need to detailed list of WHAT damages as some things are normal wear and tear, I have been there since XXXX REALLY!!!! I need you to locate my move in information and make sure you are NOT billing me for damages documented when I moved in. I turned in my intent to vacant letter, closed on XX/XX/XXXX and moved out over that weekend-Show proof that I lived there in XX/XX/XXXX. Document my multiple attempts to reach someone to turn the keys in-I work the same hours you all do and you dont follow up. Carpet cleaning-that carpet has been in that XXXX XXXX XXXX did you replace it? Why are you charging for cleaning. Lastly, I paid someone to come in and clean.. I closed on Friday and moved on Saturday the XX/XX/XXXX I was out of there XXXX XX/XX/XXXX ( I have receipts for moving to show proof but how would you know you are never on the property ). You cant just make up a date that I left. Please show proof. Some things I agree with like the stove-I did not damage that apartment. Please contact me as soon as possible to resolve this matter so that I will know how to proceed.
Company Response:
State: SC
Zip: 29611
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
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: Hello, my name is XXXX XXXX, and I'm writing to request your help in contacting this company. I attempted to contact them in order to see why someone had created an account in my name. This is a serious matter, and I'm disappointed that it's now having an effect on my credit score. I do not give anyone permission to use my name, date of birth, or any other personal information since it violates Data Privacy. They must determine who started the account in my name and simply transfer the information to that person. Kindly help me in fixing this issue.
Company Response:
State: FL
Zip: 32771
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Someone rented an apartment in XXXX, Florida in my name. They did not pay for the apartment and they ended up owing the leasing company {$7500.00}. This showed up on my XXXX credit report and is making it hard for me to rent an apartment. The only time I ever lived in Florida was when I was about XXXX XXXX XXXX, so there is no way this could have been me. Later on, someone rented an apartment in XXXX, GA, in my name. Again, they did not pay their rent and ended up owing the leasing company {$21000.00}. According to my credit report, the date of first delinquency was XX/XX/2019. At that time, I was living in XXXX, GA, where I attended the University of Georgia for XXXX years to earn a XXXX XXXX. So again, I was not living where this apartment was rented and this could not have been me. I am trying to rent a new apartment now and this history of identity theft is making it impossible for me.
Company Response:
State: GA
Zip: 30032
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I recently tried to rent an apartment in XXXX ( I am a resident of XXXX ) and was notified that there was a negative report on my credit report from a debt collection agency. This agency, National Credit Systems, showed me owing money to XXXX XXXX ( in XXXX, XXXX ) for my tenancy which ended about XX/XX/XXXX ( Shown on my credit report as Account Number : XXXX. ) After I vacated from XXXX XXXX, I moved home to take care of my ailing father. From that point until the denial of my lease for the apartment I was attempting to begin in Florida, I never received any notification about any of the details of monies alleged that I owed. On XXXX XXXX, XXXX, I sent a Certified Letter to National Credit Systems asking for verification of the debt shown on my credit report ; tracking shows that said letter was received on XX/XX/XXXX. In the letter, I gave them 30 days to respond to my proof of debt validation before I requested certain remedy to my credit report. Today is XX/XX/XXXX and I have received no response from National Credit System. ( Please see the attached Debt Validation Letter, the Certified Mail Receipt as well as the Certified Mail Tracking showing that my letter was received on XX/XX/XXXX. ) In speaking with the CFPB Representative today, she indicated that National Credit Systems will now have 15 - 60 days to respond from the date of this complaint? I feel this goes far beyond a reasonable amount of time to prove a debt that was placed on my credit report in XX/XX/XXXX, especially since I was never even notified of the details before it was reported to any credit bureaus?
Company Response:
State: IL
Zip: 60010
Submitted Via: Web
Date Sent: 2022-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-05
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I'm making a complaint today because XXXX XXXX XXXXXXXX XXXX have caused stress and pain on me and XXXX XXXX XXXX XXXX. I can not get any apartment because of what they have put on my credit profile. Furthermore I will explain how me and XXXX XXXX XXXX got here around XX/XX/XXXX. I was looking for places came across a place at XXXX XXXX it was a XXXX bedroom XXXX bath for XXXX the fellow property manager that I spoke with got us into the apartment I paid my deposit because he made it clear that. When me and XXXX XXXX XXXX payed and signed the lease XX/XX/XXXX of 2021 we would not have to pay rent again until XXXX. This gave us enough time to get settled in our job but so on that was actually a lie. We were charged the next day XXXX and at the time my job wasn't all the way transfered from XXXX, NY to XXXX, TX. So this caused me alot of stress they sent notices threatening for us to vacate or they would take me to court we were terrified also FCCPA Section 805 ( b ) states thats a violation and its a XXXX fine. We left now we do not feel we owe XXXX simply because there were alot of things not clear or made clear by the property manager before or after. We signed the lease so on behalf me and XXXX XXXX XXXX we feel scammed.
Company Response:
State: NY
Zip: 14612
Submitted Via: Web
Date Sent: 2022-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A