National Collection Systems, Inc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
01/13/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	FL 349XX	Web
RE : Attentively review my formal writ composed declaration of not proven complaint misinformation that is all or in part : deficient of the adequate current status in the fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, certifiable RESPONSIBILITY, or otherwise irrefutable, complaint obligatory, and regulatory requisite reporting thereby mandating your immediate actions to rectify and remedy and any infractions behavior ( s ) by retaining or returning to demonstrate TRUE, CORRECT, COMPLETE, and COMPLAINT XXXX XXXX data field formatted reporting!!! I am a victim of identity- theft, I am writing to request that you block all accounts disputed as fraudulent on my credit reports with XXXX XXXX XXXX XXXX and XXXX. This information does not relate to any transactions I have made. I did not give anyone authorization or consent to use my personal information. I hereby exercise my legal rights enacted by Congress and The Federal Trade Commission, which explicitly states when a victim of identity-theft dispute a fraudulent account on his/her credit report it shall be honored by all credit bureaus and all fraudulent information should be blocked within 4 days and proper notification shall be given to all data furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with The XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General stating your companys unlawful collection practices, misrepresentation of creditworthiness, defamation of character, and noncompliance to abide by laws enacted by Congress to protect victims of identity-theft who's credit been impacted by acts of fraud. Because I know my rights under THE FAIR CREDIT REPORTING ACT, CONSUMER CREDIT PROTECTION ACT ( CCPA ), and FAIR and ACCURATE CREDIT TRANSACTION ACT of 2003 ( FACTA ). I will be taking action. I also know my rights under this paragraph of Section 312 of the FACTA LAW : SEC.312. Procedures to enhance the accuracy and integrity of information furnished to consumer reporting agencies. ( b ) duty of furnishers to provide accurate information. -- Section 623 ( a ) ( 1 ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C . 1681s-2 ( a ) ( 1 ) is amended ( 1 ) in subparagraph ( A ), by striking " knows or consciously avoids knowing the information is inaccurate '' and inserting " knows or has reasonable cause to believe that the information is inaccurate '', and ( 2 ) by adding at the end of the following : ( D ) DEFINITION -- For purposes of subparagraph ( A ), the term 'reasonable cause to believe that the information is inaccurate ' means having specific knowledge, other than solely allegations by the consumer, that would cause a reasonable person to have substantial doubts about the accuracy of information. Policy states. According to the Fair Credit Reporting Act FCRA 611 ( 15 U.S.C 1681 ), Procedure In Case of Disputed Accuracy. ( a ) Reinvestigation ( 1 ) Reinvestigation ( a ) In general. Subject to Subsection ( f ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller. Therefore, my position is being clearly stated, these accounts do not belong to me, meaning that you are reporting inaccurate account information within my credit file. The fact that these are inaccurate account information means that you, this credit-reporting agency, are reporting incorrect accounts. 1. NATIONAL CREDIT MGMT bal. {$0.00} I am well aware of my rights as a consumer. The Fair Credit Reporting Act requires that you, the credit-reporting agency report accurate and/or correct account information within my credit file. My credit issues are very specific, these accounts and/or items do not belong to me. This means that you are reporting incorrect account information within my credit report. It is this in mind that I request that these listed accounts and items be Blocked and Deleted. According to the Fair Credit Reporting Act FCRA, Section 1681c ( 2 ) Block of information resulting from identity theft. 1.Block. Except as otherwise provided in this section, a consumer reporting shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than four ( 4 ) business days after the date receipt by such agency of 1. Appropriate proof of identity of the consumer ; 2. A copy of an identity theft report 3. The identification of such information by the consumer ; and 4. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( 4 ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( 4 ) business days. This is clearly an identity theft issue. I am also entitled to receive a free copy of my credit report, so I am requesting a free credit report and that all of these accounts, public records items, and inquiries be permanently blocked and deleted. Enclosures : Identity Theft Report Proof of Identity Copy of Account Statement showing Fraudulent Items FTC Notice to Furnishers CC : Consumer Financial Protection Bureau XXXX XXXX XXXXXXXX XXXX XXXXXXXX, Iowa XXXX
12/09/2015	Yes	Debt collection Non-federal student loan	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AR 72701	Web	Servicemember
I received a phone call in XXXX stating that I owe an outstanding balance for the XXXX. I informed the rep at that time, that I should not be receiving a call from them as I am paying my balance via online through my student account-so I disputed the validity of this debt. Then, I was informed they were collecting for the XXXX as well-after I made this statement. I disputed any debt with them. Informed the rep the account was resolved, paid off and have a letter from the XXXX XXXX XXXX in Texas and Trustee-would forward upon receiving verification of debt. Also told her that the XXXX account has been settled over 4 years now.To this date, I have not received anything. What they did was wait and call back, XXXX XXXX, 2015, and state that I owe {$9000.00} plus in debt to the XXXX. The guy rep stated that I owed this amount 'solely ' to the XXXX . I informed him that I had just pulled up my student account for the university and it shows a balance of {$1600.00} of which I am making payments ( XXXX fabrication ) ; I also informed him that I have not received any verification that I owe this debt and moreover that I told them in XXXX send proof. Additionally, I told him I was on a full academic scholarship for the XXXX and it was simply impossible for me to owe them this amount of funds, considering they paid me to attend graduate school. I asked him at this point to tell me how many accounts is he looking at, or maybe he needed to verify with the XXXX.This is when he informed me that I actually have XXXX accounts with them. I stated how? He then proceeded to state that they are collecting for the XXXX & the XXXX. I told him again, " No ... I have disputed both these accounts and to this date, have not received any information from them regarding either debt ( XXXX fabrication-as he stated they have mailed out something. ) He stated he was reading notes that I was suppose to send this information in, so he agreed from his own statements that I disputed this validity back in XXXX. I then stated if I had an address or if they would have sent verification they would have it. They have not. I also told him this company could not try and join these alleged debts together as the XXXX and the XXXX are XXXX separate entities and XXXX has nothing to do with the other. His response was they could because the alleged debts fall under the same social security number. I became livid and told him his statement was redundant and incorrect, moreover a lie and they were trying to mislead me into thinking I only owed the XXXX but they are trying to collect both debts ( of which I do not owe ) on a single account and lying about it. They can not try and collect these XXXX together and if this matter appeared on my credit report I would be filing suit against this company. This company has did nothing but regurgitate false statements and representation in this matter to me for the XXXX time. Additionally, they have not provided disclosure of verification of the debts. I asked over 3 months ago to receive and have not, I also informed him that I wanted this information mailed to me as to have proof and a paper trail. He stated they only need a number and name of attorney. Why would they not want the proof in hard form? I asked him over XXXX times within the conversation to provide this documentation to me. His only response was if I could provide my attorneys name and that I did not need to mail anything. I told him, No I will to have proof on my end and to ensure they could not fabricate another issue. I also told him under FCRA rules what they are attempting to do is illegal and I would be sending a letter to the company and submitting a complaint to the proper authorities regarding their actions.
09/10/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 28227	Web	Servicemember
I am today submitting a complaint as XXXX XXXX XXXX and NTL CREDIT MGMT violated the FCRA by attempting to collect unvalidated debt in the amount of {$5000.00} and reporting falsehoods to the credit reporting agencies. The credit reporting agencies, due to inadequate debt validation techniques, are reporting the debt and destroying my reputation and ability to maintain credit and employment. Here are the details of the matter, as submitted to the CRAs : Regarding the collection account reported by NTL CREDIT MGMT, I provide this note with additional clarification of the matter at hand. The original creditor was allegedly XXXX XXXX XXXX. I had previously disputed my balance with XXXX XXXX XXXX on various occasions. Nonetheless, the University continued to ignore my requests for account review. Instead, the organization used predatory credit reporting practices to force me into paying a balance that is NOT due and remains in dispute. By continuing to report this inaccurate debt, credit reporting agencies are quickly becoming accomplices of XXXX XXXX XXXX and NTL CREDIT MGMT in violation of the FCRA, 15 U.S. Code 1692. With this note to Consumer Financial Protection Bureau, as I also submitted to the CRAs, I am submitting further documentation validating that this account was in dispute with XXXX XXXX XXXX and even confirmed via receipt by the original creditor on XX/XX/2022. This documentation ( See attached letter ) proves that in accordance with the FCRA, 15 U.S. Code 1692, the consumer notified the debt collector and the original creditor that I disputed the validity of the debt. At this point, the debt collector and original creditor are obligated under law to submit a valid investigation of this matter. At the conclusion of such an investigation, the consumer must be notified of the decision made regarding the investigation. Despite consumer notification in accordance with this section of the law, the debt collector continued and intensified debt collection efforts in violation of the Fair Credit Reporting Act and did not conduct nor provide evidence of conducting any investigation into the matter, even though XXXX acknowledged receipt of my complaint. The credit reporting agencies should conduct a fair investigation into the validity of this debt, which would reasonably include remarks from NTL CREDIT MGMT and XXXX XXXX XXXX regarding how they responded to my VALIDATED dispute of this debt. Upon inspection, any reasonable person investigating this matter shall conclude that despite the law-abiding consumer disputed debts ( as per section B of 15 U.S. Code 1692 and proof provided herewithin ), XXXX XXXX XXXX XXXX and NTL CREDIT MGMT became co-conspirators violating the Fair Credit Reporting Act. XXXX, XXXX, and XXXX expect their creditors to act with honesty and integrity when submitting a delinquent account to the company. Credit Reporting Agencies were never intended to be arbitrators of law, but rather should be used to report accurate late payments by consumers. In the case at hand, there is no validated debt to report. Nonetheless, because XXXX, XXXX, and XXXX take the approach of " guilty until proven innocent '', they weigh the word of the creditor over the word of the consumer in these matters. My complaint today is against XXXX XXXX XXXX ( as alleged original creditor ), NTL CREDIT MGMT as debt collector, and XXXX as CRA that failed to conduct a valid investigation into the matter. I look forward to learning about how you can assist me with this matter. Sincerely, XXXX XXXX XXXX
06/01/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77340	Web
I XXXX XXXX am a person, non-adverse, non-belligerent, non- combatant party and executer with full life. I am in possession of my credit reports with your voluntary submission of alleged account in question. As you keep reporting the alleged account verified and accurate. I herby dispute this alleged account in its entirety and request the removal of it from my consumer report. This letter also constitutes as a cease and desist, for you National Credit Management to stop all attempts at collecting this alleged debt owed to you. This letter is addressing XXXX, XXXX, XXXX and you the direct data furnisher of this subterfuge. National Credit Management must herein provide a true and certified original copy of the complete XXXX XXXX under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for National Credit Management to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with BASEL3 and U.N.C.I.T.R.A.L. Conventions. I will also need a certified copy of the original contract with my wet ink signature between me and ( XXXX XXXX ). Providing that National Credit Management is the holder in due course of the original debt contract and a certified original copy of your XXXX XXXX XXXX. I also request the following documentations listed bellow to be certified and sent with your response. Full accounting for this account Copy of the assignment of purchase from the creditor Every charge and what was purchased, fees, payment, credit, interest paid ) How you calculated what you claim I owe Full chain of assignment from charge off to present Proof that you own the debt with full clear title Proof that you were on the original contract All should be certified and presented to me with a certificate of testimony that the allege account is 100 % accurate and belonging to me. I also request certified testimony that your company, branches, and or offices were in full compliance with the FCRA and all of its mandated rules when it comes to reporting accurately. Please also provided certified testimony on how you validated this debt to all credit reporting agencies and any and all third party reporting agencies you have reported to. ( Fields v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Am XXXX sect. XXXX ) & XXXX XXXX XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : XXXX. Harassment and abuse XXXX. False or misleading representations XXXX. Unfair practices XXXX. Validation of debts If you can not provide me with each and every item listed above then you must remove this account from all three of credit reports immediately according to the FDCPA. If you verify this inaccuracy for the credit bureaus without providing me with all of said listed items you are in violation of the law, which carries a fine of {$1000.00} per violation. Any communications not received by certified mail under the Penalties Of Perjury will be refused for course without dishonor and defective upon its face. Failure to substantiate the claim under Penalties Of Perjury, please settle this account immediately within ( XXXX ) days. Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C XXXX
01/25/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MO XXXXX	Web
NATIONAL CREDIT MANAGEMENT was sent a letter within 30 days disputing the debt and failed to show documentation of their right to administrate. contents of letter as follows " You will forthwith return and transmit your written evidences of your delegated authority to represent that NATIONAL CREDIT MANAGEMENT is authorized to administer ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity theft. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon XXXX XXXX. Courts require your contract for jurisdiction. Consumer disputes this debt and ALL claims in accordance of 16 CFR 433.2, Title 15 USC 1692, Regulations Z, Regulations M and ALL applicable UCC Articles. If you lack understanding of this paperwork, forward to your ATTORNEY. " NATIONAL CREDIT MANAGMENT is a debt collector and is in violation of 15 USC -- 1692C 15 U.S. Code 1692c - Communication in connection with debt collection ( a ) Communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt NATIONAL CREDIT MANAGEMENT does not have concept to communicate with said consumer nor has a court granted such permission. 15 U.S. Code 1692c ( c ) Ceasing communication If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt, except ( 1 ) to advise the consumer that the debt collectors further efforts are being terminated ; ( 2 ) to notify the consumer that the debt collector or creditor may invoke specified remedies which are ordinarily invoked by such debt collector or creditor; or ( 3 ) where applicable, to notify the consumer that the debt collector or creditor intends to invoke a specified remedy. If such notice from the consumer is made by mail, notification shall be complete upon receipt. NATIONAL CREDIT MANAGEMENT was notified and is hereby ordered to stop any and all communication with consumer regarding alleged debt. This includes any mediums such as credit reporting. 15 usc 1692J Furnishing certain deceptive forms- ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. The name XXXX XXXX XXXX is copywritten and you are in violation of copyright laws and your reporting on credit bureaus is defamation of character.
08/19/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 90405	Web
I enrolled in the XXXX XXXX Program at the University of XXXX XXXX XXXX for the Spring XX/XX/XXXX semester and Summer XX/XX/XXXX semester. For each quarter, I enrolled in one class. The tuition and fees for the Spring XX/XX/XXXX semester totaled {$5100.00}. The tuition and fees for the SummerXX/XX/XXXX semester totaled {$5000.00}. I received a partial scholarship of {$1500.00} for each semester. Consequently, the outstanding net balance for both semesters was {$7100.00} ( {$10000.00} tuition less {$3000.00} scholarship awards ). As of XX/XX/XXXX, I paid {$3600.00} toward that balance, for a remaining balance of {$3400.00}. Because I was delinquent in paying that balance, I entered into a payment plan with the University. As of XX/XX/XXXX, the date of my last installment payment, I had paid an additional {$1500.00}, leaving a net outstanding balance of {$1900.00}. I then noticed that the University had been adding fees and late fees equal to {$600.00} to my balance for the Fall XX/XX/XXXX and Winter XX/XX/XXXX semesters -- semesters for which I was not enrolled. Additionally, it had allocated {$300.00} in payments I had previously made to these fees and late fees. The University subsequently assigned my account to a collection agency called National Credit Management, or NCM. On XX/XX/XXXX, I received a collection notice from NCM. The notice demanded payment of what it called a past due balance of {$2800.00}. The notice provided that I was entitled to dispute the debt by registering with a website operated by NCM. I did so on XX/XX/XXXX, via email to an individual named XXXX XXXX. In that email, I disputed both the amount demanded by NCM, as well as the actual net amount I owed to the University. In this respect, I disputed the {$300.00} in fees that the University had already allocated from my payments to semesters for which I was not enrolled, as well as late fees totaling {$300.00} that it had assessed with respect to those semesters. Accordingly, I informed NCM that I wished to resolve the debt, but only in the amount of {$1300.00}, which reflected the actual outstanding balance on tuition and fees attributable to semesters that I attended the University less the {$300.00} in fees I already paid and {$300.00} in late fees assessed for semesters I did not attend the University. I also informed NCM that I wished to pay the actual debt and bring the matter to resolution. I also informed NCM that it no event should it allocate any payments I make to it for any fees attributable to any past, present or future semesters for which I did not attend the University. I am eager to pay the actual debt and resolve this matter. However, I refuse to pay any improper fees. I have attached documentation evidencing the information above. XXXX XXXX
11/13/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	SC 29455	Web
To whom it may concern, I have been made aware that a credit charge has been placed on my national credit report by XXXX XXXX University and it has been made fraudulently. I have had this discussion with their school officials and Ive told them numerous times I was never enrolled at their institution. It was an XXXX advisor who made this decision on her own fruition after she made notes on the account that she couldnt reach me or and still made a conscious effort to vindictively enroll me without my consent. They kept asking me to write a letter stating this and I told them no because its an admission of enrollment and it wouldve protected and absolved the employee from all responsibilities of what she took upon her to do with out my approval and with any consent, fraudulent on behalf from me. I never confirmed enrollment with any representative at XXXX XXXX University. I have spoken to numerous representatives, most of the encounters were unpleasant Kurt and rude, some were deceitful and only a few were understanding and kind .I told them I dont agree with what was done and I think it was a biased and prejudice move and that writing a letter would suggest that I did agree to enrollment, and not one XXXX Representative that I spoke to tried to even correct the matter. This so-called XXXX specialist, documented Im some note taking system that she never spoke with me after our initial conversation of me expressing intention and interests and according to her, as I was quoted by another representative it was like I, ( XXXX XXXX XXXX XXXX dropped of the face of the planet, because she never spoke to me or heard from me again. I am a XXXX individual and Im sure she didnt hear from me again is because Im battling a XXXX XXXX XXXX illness. Knowing all of this brother this XXXX specialist or her colleagues could help me resolve this issue. All in all, she still thought it was a great idea and continued to go ahead with the fraudulent enrollment illegally and without my consent. Then, XXXX XXXX had the unmitigated gaul and audacity to turn this over to a collection agency, National Credit Management for {$13.00}, XXXX I have contacted Federal Student Aid, XXXX, US Department of Education, Office of Inspector General and the local news outlets to help me get this resolved for good. I am extremely hurt and disappointed by what XXXX XXXX made a conscious decision to do and also in their lack of understanding in attempts towards resolving this as well. Filing these fraud charges against XXXX XXXX is the only way its going to get permanently resolved, removed and dismissed. I can be reached a XXXX to further discuss how this is going to be resolved and rectified by XXXX and its representatives. Respectfully submitted, XXXX XXXX
08/12/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	FL 33169	Web
This is a follow up complaint response to your recent claim # XXXX. I received your attempt to validate the debt that you are erroneously reporting about me. However, it does not meet any of the requested documentation required to satisfy validation of debt. How does this computer printout prove that this debt belongs to me? It shows nothing but my name, address, and a dollar amount. But I do not see my signature here or any of the other items requested from you. Perhaps I have been the victim of identity theft or fraud. I can certainly create similar documents on my computer, send them to your company and claim that you owe me money. Would that prove anything? You have failed to provide me with a copy of any viable evidence, bearing my wet ink signature, showing the account is being reported accurately.Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested.Additionally, please provide the name, address, and telephone number of each person who personally verified this alleged account, so that I can inquire about how they verified without providing any proof, bearing my signature. As per FTC opinion letter from Attorney XXXX XXXX XXXX, you should be aware that a printout of a bill or itemized document does not constitute verification. I am again formally requesting a copy of any documents, bearing my signature, showing that I have a legally binding contractual obligation to pay you the alleged amount. Be aware that I am making a final good faith attempt to have you clear up this matter. The listed item is inaccurate and incomplete and represents a very serious error in your reporting. I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the Consumer Financial Protection Bureau, the Attorney Generals office, the XXXX XXXX XXXX and the Federal Trade Commission should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act, the Fair Credit Reporting Act, and the corresponding local state laws. I further remind you that you may be liable for your willful and negligent non-compliance. Failure on your behalf to provide a copy of any alleged contract or other instrument bearing my signature may result in a small claims action against your company. I would be seeking actual damages or a minimum of {$1000.00} in damages per violation for Defamation, Negligent Enablement of Identity Fraud, each violation of the Fair Debt Collection Practices Act and each violation of the Fair Credit Reporting Act, whichever is greater and you will be required to appear in a court venue local to me, in order to formally defend yourself.
10/27/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NY 121XX	Web
Hello, My name is XXXX XXXX and I am inquiring about a dispute that I recently put in in regards to a fee that I am being wrongly charged for. This fee is for {$940.00} and I refuse to pay this because I believe this is wrongly charged on my behalf. During the spring semester of 2020, I attended XXXX at XXXX for about 2-3 weeks at MOST ( nowhere near an entire semester or year ) where I experienced XXXX, lack of motivation, and an overall decline in my feeling of sense of belonging on campus. I simply wanted to change my major because I realized I was in the wrong Master 's program, XXXX, and I was given such a hard time from several staff and faculty whom I reached out to in regards to my situation. I had to retell my story over and over which made me relive a discouraging time and also lose motivation as time was ticking through the semester with little to no progress on my request. Consequently, I decided to resign from my position as a student. When I inquired about the process of a leave of absence, I also received poor support and was not pointed in the direction of how to do this in a clear and concise way. After all of this, I realized that it would've been easier to just to pursue my career around what was and is my passion, working with youth to inspire them to be a better version of themselves than to wait after WEEKS had gone by with no progress on SWITCHING MY MAJOR. I was very frustrated with this because I have never " dropped out '' or quit on anything that I have started in my life, but I felt that it was the best decision for my mental health, career, family, and overall well-being. Shortly after, all schools were closed for XXXX which we know was an extremely disheartening time for many, but this showed me again that school on the XXXX 's level maybe just wasn't for me at this time. To fast forward and see now, that this school is charging me for any sort of fees is outrageous to me. I can see the business side of things, however, this is so unethical in my opinion, for me to pay for a service that not only did I not use, but for most importantly, one that did not serve me or satisfy and cover areas that it claimed it would. I am asking with the upmost respect and humility that this charge please be removed from all accounts related to my name. I have submitted two disputes and am now submitting this complaint to show how passionate and frustrated I am about this but also because I believe you all are able to help me with this. I do not want this to hinder or hurt my credit score or my ability to advance in my life, especially when I really did not benefit at all from any of these services.
09/19/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 631XX	Web
In XX/XX/XXXX with classes starting in XX/XX/XXXX, I enrolled in XXXX college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the {$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at the school, but they didn't do anything to help me.
09/19/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	MO 631XX	Web
In XX/XX/XXXX with classes starting in XXXX, I enrolled in XXXX college. I soon after decided to go another route for my career, so I dropped all of my classes. I knew at this point that there would still be some expense, which is understandable and I was prepared to pay for it, no problem. I expected an email, letter, or call, or something regarding my outstanding balance, but I didn't receive anything. I already paid a small sum of money to them after I registered, and since I dropped my classes so early I figured I didn't owe them anything since I never heard from them. A student loan pops up on my credit file in XX/XX/XXXX. Balance owed is {$370.00}, and I set up payments. No issue with this. This account ( XXXX/DEPT OF ED ) is not the problem, just to be clear. Fast forward to XX/XX/XXXX. I get a notice from a credit monitoring service about a new collections account, and of course dive in right away to investigate since this is completely unexpected. There is a balance of {$1800.00}. I have to XXXX to find what the company name even is since I don't recognize it - NTL CREDIT MGMT. Eventually I find out that it is for school tuition, for the classes that I dropped. Immediately I call the school to figure out what happened, and here it is summarized : Whatever department at the school is responsible for crediting the refund for tuition for dropped classes failed to refund ( or possibly failed to allocate a refund as credit for tuition ), which left it as an unpaid balance on my account and eventually went to collections. Once I informed the school of their error, the billing department/registrar moved the refund to credit the balance owed which is now in collections ( or maybe simply notified the collections agency ). After the {$980.00} credit to the collections agency, there were still some smaller account fees which is no big deal, but there was also a collections charge of something like {$400.00}, I don't remember and can't locate the exact amount, which is a total of {$820.00} still owed, and about half was the collections charge. They update the outstanding balance, but not even the original balance, let alone the collections account itself which I think should be removed. I tried to reason with the school, and the collections agency for about two months before I finally fall back to paying it. I even went as far as requesting an exception from the board of directors and dean at the school, but they didn't do anything to help me.
07/19/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CO 80112	Web
According to my XXXX XXXX Report, National Credit Managed placed a falsely alleged debt of {$2500.00} on my credit report. I continue to get harassing phone calls daily from fake phone numbers. I can only assume it is National Credit Management. They are in blatant violation of the Fair Debt Collection Practices Act. According to the FDCPA I have no legal duty to communicate with, or work with, in any way, a third party debt collector. I REFUSE to work with National Credit Management and DEMAND they cease and desist all future communication with me. This falsely alleged debt is originally from the University XXXX XXXX XXXX. I was a student at the University XXXX XXXX XXXX from XXXX to XXXX. I did well in my first two years and nearly completed my XXXX. Unfortunately, I signed up for a XXXX XXXX XXXX position. I did not know the XXXX to whom I was assigned, nor did I know or understand the subject matter. The XXXX complained about my alleged poor performance to the Department. I was not notified so that I could respond. I learned of the complaint through a private email from my mentor who stated he had personally recommended me for the position, and that due to the false allegations of poor performance from the XXXX, I had negatively affected his reputation. I suffer from legally defined XXXX under the XXXX, these are XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, etc. I spiraled into XXXX, and dropped all of my on campus courses. I tried to take online courses but the university offered no online courses relevant to the completion of my XXXX. I tried therapy through the Student Counseling Center but was unable to return to regular course work. I dropped all of my courses for MEDICAL REASONS, therefore any falsely alleged tuition SHOULD HAVE BEEN REFUNDED. I took my complaint all the way to the Dean of the XXXX XXXX as well as to the XXXX XXXX office. I was ASSURED, that I would NOT BE CHARGED, yet the idiots at the Bursar 's Office sent this bill to collections anyway with massively accrued interest doubling the original falsely alleged amount. If this is not removed from my credit reports immediately, I will file a complaint with every state, municipal and federal anti-discrimination office. I will be forced to take legal action. Going to the University XXXX XXXX XXXX, and even going to college at all, was the worst mistake I've ever made in my life. I hate school, I hate college, and I hat XXXX most of all.
08/20/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NY XXXXX	Web
To Whom it May Concern : I am writing you regarding a {$1300.00} collection fee attached to a tuition bill for XXXX XXXX XXXX XXXX XXXX XXXX for my son _______. My son attended the Vocational Independence Program ( VIP ), a special education transition program for young people with XXXXXXXX XXXX XXXX. He attended XX/XX/XXXX through XX/XX/XXXX, when the program was discontinued by XXXX during the pandemic shut down. The tuition for the program was being covered by a program of the XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ). At the end of each month the fiscal intermediary handling my son 's case, XXXX XXXX for XXXX XXXX ( XXXX ), would receive an invoice and pay the monthly bill. The collection agency wants to enforce an unjustifiable exorbitant collection fee and slap my XXXX son with a bad credit rating. I have a timeline of email contacts, and supporting documents, from the first contact I received from the bursar in XX/XX/XXXX, through this summer. I have been in constant contact with the collection agency and RCIL attempting to resolve if there was still money in the budget to cover the remaining balance, so that I would know if I needed to pay out of pocket and could settle this matter in a timely fashion. In a typical collegiate situation, the bill is in the students name with the assumption that student is developmentally capable of understanding responsibility and perhaps even the finances as they are attending a degree program. However, it should be noted that this aforementioned program was not a typical college program. It was a program for young people with XXXX, to teach them the necessary skills to be able to live as independently as possible and be productive members of the community. After finally getting word from the fiscal intermediary that they did not have any more funds in his budget to cover the final balance, I did pay off the XXXX tuition remaining in two increments of {$2500.00} in XXXX. My intention was to get this request email to them then, but my son then became sick with XXXX, with my daughter becoming ill just on the heels of his recovery. Students who attend these programs dont have bank accounts or credit cards and are just learning how to handle basic financial transactions. Therefore, I think it is justifiably unfair for my son to be penalized with the bad credit rating. I am contesting the collection fee, as they are well aware of the situation and request it be dropped and my sons name remain clear.
03/19/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 80004	Web
XXXX XXXX XXXX a noticed was received in the mail from a collection agency to my father who has XXXX away. The notice indicated it was issued by the XXXX XXXX XXXX XXXX. I owned a vehicle with my father and did attend the XXXX college of XXXX. I contacted the XXXX Police on XXXX XXXX at approximately XXXX and was advised this would be the parking section. At approximately XXXX I was able to talk to a live person, I indicated that I have never received notice of a parking ticket and this was the first time a notice was seen from a collection agency. I was advised they are doing an audit and trying to reclaim unpaid tickets. I was then told that the ticket was left on my window and that they have a photo of this ticket left on XX/XX/XXXX. I advised that the ticket was never received or it would have been paid then if it was known to me, the women stated that people don't go around removing tickets. Again I indicated that I did not get the notice or a ticket. At this point I asked what the original amount of the ticket was and was told it was for XXXX, I indicated I would pay that amount to settle this debt. I was told to pay to collection company but I would still owe the full XXXX. I than asked to speak to the supervisor and was placed on permanent hold. I hung up to call directly at XXXX and was directed to XXXX and asked to speak to the Manager of the parking department. I was transferred to XXXX the Parking Business Manager. I advised her that the ticket was never received and that I would like to settle this debt with the original amount and indicated that the ticket was never received or it would have been paid that day. I also indicated that I would be happy to pay the XXXX today but was told that it would still be in collections and that the car was in my fathers and my name and I will need to pay the debt because they had also mailed out notification to the address verified. I again indicated that the only notice received was a collection notice on XX/XX/XXXX by US mail and this in unfair practice when I am trying to take care of this matter and pay the XXXX. I had indicated that again I did not get a ticket and I would like to take care of this now. Given that we are currently under a pandemic and some people just can't pay or afford to pay bills at this time this was not ethical. I was then told it was going to collections and she refused to take the payment of XXXX offered.
08/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 94080	Web
Off note, I have been a victim of identity theft since XX/XX/XXXX. On XX/XX/XXXX, after reviewing my credit report on XXXX, a credit monitoring agency, I discovered a student loan was opened on XX/XX/XXXX from XXXX for {$1500.00}. In addition, several other credit applications were attempted. Neither of these were completed by me. I contacted XXXX and they advised me that this was a student loan and the original creditor was for XXXXXXXX XXXX XXXX University. Someone other than myself, wrongfully used my personal information to obtain a line of credit. On XX/XX/XXXX, I filed an identity theft report with the XXXX XXXX XXXX Police Department. On XX/XX/XXXX, I complied with XXXX and submitted an identity theft claim. XXXX resolved my claim and advised me that I am still responsible for paying the loan and advised me to contact XXXXXXXX XXXX XXXX University. On XX/XX/XXXX I contacted XXXXXXXX XXXX XXXX University ' Student Financial Services who emailed me an identity theft report to complete. I received unsolicited help from a local attorney XXXX XXXX who reviewed my situation and wrote a letter to XXXX. I was advised by this local attorney that I should stop responding to XXXX and my credit history was in good standing. In XX/XX/XXXX, I joined XXXX Credit Score and Report and discovered that I have a collection debt from National Credit Management for {$1900.00}. Original Creditor is XXXXXXXX XXXX XXXX University and the date reported was on XX/XX/XXXX. I disputed this with XXXX who investigated, resolved the dispute and removed the collection debt from my credit report and reported this to the other credit bureaus. In XX/XX/XXXX, I contacted XXXX to dispute a collection debt for {$1900.00}. Again original creditor was from XXXXXXXX XXXX XXXX University and also disputed an address that was found on my credit report with XXXX that I have been trying to ask them to remove because I have never lived or used that address which subsequently is linked to the credit debt. After XXXX poorly investigated my identity theft claim, they denied my claim and kept the credit debt and address on my credit report. I am asking for help and advise to justify this. It's very frustrating and time consuming when these companies do such poor investigation and tell you that you're responsible to pay for some loan you never applied for!
05/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 90064	Web	Servicemember
On XX/XX/XXXX, after a long illness, I pulled my credit reports and learned of a pending educational fee of {$3100.00} due to XXXX XXXX XXXX. I telephoned XXXX XXXX XXXX XXXX to confirm the pending amount. I was informed the account was referred to NCM Associates for collection. XXXX XXXX XXXX noted if Im paying the entire amount I could pay online using their bill pay system XXXX. XXXX further stated if Im trying to settle the amount then I must speak with NCM Associates, the debt collection agency. On XX/XX/XXXX, I paid the entire {$3100.00} directly to XXXX via XXXX. On XX/XX/XXXX, the amount cleared my XXXX XXXX XXXX XXXX XXXX Acct, and at XXXX XXXX XXXX XXXX confirmed the payment had cleared and that the debt collection agency, NCM were notified there is no outstanding debt. I immediately telephoned NCM shortly after to confirm XXXX balance. NCM confirm there is nothing to collect. However, NCM has continued to report status of the account erroneously, noting a balance is standing of {$3100.00}, and no payments have been made. XXXX or NCM will provide a statement or letter stating the debt is paid. Both points to the other. On XX/XX/XXXX, NCM noted I didnt make the payment to them, but to XXXX, so they will not send confirmation there is no balance, but continue to report the incorrect information to all three credit agencies when this issue is disputed. As of XX/XX/XXXX, XXXX, XXXX and XXXX have all reached out to NCM, who have confirmed a standing balance of {$3100.00}, no payments made. XXXX noted it may take 60 days to update, but XXXX account reflects XXXX balance. Im concerned because Im on XXXX and I need housing. The bad reporting of this debt is created a poor credit score, and is reporting incorrectly and I have tried every way possible. I uploaded confirmation documents to XXXX and was informed its not good enough to correct my credit report. Im reaching out to you as a last effort to request NCM to correctly report the status of this account. On XX/XX/XXXX, NCM provided reference number XXXX for the account. I called XXXX directly with the reference information, but XXXX reports NCM confirmed a balance of {$3100.00} on XX/XX/XXXX
11/08/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	KS 676XX	Web
With reference to the letters dated XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, all delivered by recorded mail. In those letters I asked you to provide the following reasonably requested specific items : 1. Proof of Claim that the alleged liability has been created in the form of an original contract. 2. Proof of Claim that the alleged liability exists in the form of a verified true bill signed by your client and charged to XXXX XXXX pursuant to the The Bills of Exchange Act 1908, Section 23. 3. Proof of Claim that NATIONAL CREDIT MANAGEMENT has the legal right and lawful authority to attempt to enforce collection of the alleged liability in the form of Proof of Agency. I hereby serve Notice that failure to provide Proof of Claim by NATIONAL CREDIT MANAGEMENT has created a permanent and irrevocable Estoppel by Acquiescence, forevermore barring NATIONAL CREDIT MANAGEMENT from bringing any and all claims, legal actions, orders, demands, lawsuits, costs, fees, levies, penalties, damages, interests, liens and expenses whatsoever, against XXXX XXXX. It is important that you acknowledge and understand that this is not a letter but a legal notice, which is a consequential specie of correspondence. I hereby declare that the law of agent and principal shall apply and that service upon one is service upon another. Furthermore, your failure to provide Proof of Claim in the form of the above reasonably requested specific items comprises the tacit procuration of NATIONAL CREDIT MANAGEMENT agreement to the following lawfully binding terms and conditions : 1. That the alleged debt did not exist in the first place ; OR 2. It has already been paid in full ; AND 3. That any damages I may suffer, you will be held culpable ; 4. That any negative remarks made to a credit reference agency will be removed ; 5. You will no longer pursue this matter any further. 6. You have not proven any debt. If you sell the alleged liability, and/or appoint an agent to act on its/your behalf in this matter, you will have broken our lawfully binding agreement and you agree to pay the following fee schedule.
05/11/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	AZ 85138	Web
I have been trying to get XXXX and the collections company-NAT'L CR MGT to remove this from my credit report for the past few months now. and no action has been taken. I originally agreed with XXXX to start paying on my balance XX/XX/XXXX. However, medical issues came up from XXXX, so I called and informed a rep I would resume payments XX/XX/XXXX and wanted to ensure it would not go to collections. And they told me that was fine, I could resume payments at that time. XX/XX/XXXX, I contacted XXXX to resume payments and was informed it went to a collections agency. I was extremely upset. I contacted the agency and also XXXX to get this removed from my credit report and nothing has been done. XXXX is trying to go off the email communication for the original payment agreement, but refuse to go by what I was told over the phone as well ... I have paid XXXX a lot of money out of pocket, and have XXXX small student loans with them that I pay ON TIME every month. it makes no sense I would purposely neglect this debt. The collection agent who originally called me from NAT'L CR MGT was so rude and talked to me like I was a 2 year old. He was very combative. When I explained to him I would make payments to XXXX, I am just trying to figure out why they sent this to collections ... his response to me was : " Well then I will just tell them you are refusing to pay altogether. " .. I said No! I am not refusing to pay, I am trying to figure out what they told me they would not send it to collections and still did. and he responds stating the same thing : " I will just tell them you are refusing to pay. '' He was basically trying to slyly threaten me into paying. I asked to speak to a supervisor and informed I did not want him calling my phone ever again because he was trying to lie about my issue to XXXX. I also complained to XXXX but they have done nothing but say they can only go off of email record and not over the phone, which is not fair to me.
09/19/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA XXXXX	Web
NTL Credit MGMT submitted a balance that I owe to XXXX XXXX XXXX XXXX to show on all three of my credit reports. I never received a letter from them before they through this on my report. I only received a letter from XXXX XXXX at XXXX. XXXX XXXX, XXXX XXXX, MA XXXX. XXXX XXXX informed me via mail to reach out to the University for payment arrangements. I did in fact sent the university a letter stating that I wanted to make payment arrangements with them. I sent a letter to XXXX XXXX as well as the university. I received a letter from the university stating that it was sent to collection after the NTL Credit had already put this on my credit. I tried reaching out to NTL Credit to see why I never received a letter from them. They stated that they sent a letter and that they called two phone numbers, one of the phone numbers was a phone number that I had back in XXXX so the university would not have had that number since I took classes in XXXX. I use my cell phone for every contact number that I have had for over 10 years. NTL Credit gave my cell phone as the last number that they tried to call. I have never received any calls from them at all. Otherwise, I would have requested that they send me documentation in writing. I am also signed up for informed delivery and I can go back to all of the mail that was sent to me all the way to XXXX to prove that I have never received anything from them. I would have liked the opportunity to work this out with them before they put this on my credit and when I called, I was told it was against the law for them to take it off of my credit and if I did not pay it was going to be worse for me later on. I want this issue resolved without the threats and I would like the opportunity to dispute and/or get a breakdown of what the charges are for as I was never offered this in the beginning. I was communicating with one credit collection agency while this dept was sitting with another one.
07/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	GA 30228	Web
I have already sent the credit bureaus letters asking them to verify the debt on my report. They have stated everything is verified correctly. This is false. My credit reports still show inaccuracies and fraudulent activity. According to the 15 U.S. Code, $ 1681c-2 a person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe the information is inaccurate. A consumer reporting agency shall block the reporting of any Inaccurate information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and they are in violation of this law because I am a victim of identity theft!! Please have them delete these items immediately! I also did not give consent to give any information pertaining to my transactions and experiences. 15 U.S. Code $ 1692c FRAUDULENT & INACCURATE ACCOUNTS : 1. 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT MGMT 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 XXXX XXXX XXXX XXXX XXXX
07/09/2021	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Can't temporarily delay making payments	SC 29154	Web
On XX/XX/XXXX, I submitted an online application for deferment for XXXX XXXX student loans due to unemployment with supporting documents. Although I sent proof of unemployment, XXXX - XXXX ( hereon XXXX ) requested " proof of benefit for XX/XX/2021 '' no later than XX/XX/2021. The agency also indicated that if the requested document wasn't received by the deadline, I would have to resubmit my application. I attempted to attach the document online several times, but the document couldn't be attached due to processing. A XXXX representative instructed me to wait a few days to try again to attach the document. After a few days, I was still unable to attach the document. On XX/XX/XXXX, I mailed my application and attached the requested proof of benefits document showing currently unemployment as of XX/XX/2021 to meet the deadline of XX/XX/XXXX. On XX/XX/XXXX, during the processing stage of my deferment, I received an email informing me that my loans were sent to collection. This action of XXXX contradicts that deadline and the email informing me that if I didn't meet the XX/XX/XXXX deadline to submit the proof of benefits that I could reapply XXXX see attached ). Although XX/XX/XXXX was honored as XXXX federal holiday, my proof of benefits document was received by XXXX on XX/XX/XXXX. Also, the receipt date should've never been on a federal holiday where the post office and federal businesses are closed. Besides the above, I received an email on XX/XX/XXXX informing me that my application was denied because the loans were sent to collection, and I received a second email informing me to reapply for deferment.
07/21/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	MA 021XX	Web
My former employer XXXX XXXX pays XXXX % of my tuition with XXXX XXXX University. XX/XX/XXXX I enrolled in class and withdrew from the class in XXXX XXXX. I was never sent a bill for the class. XXXX and XXXX had a tuition deferment agreement that no money was paid upfront and XXXX would pay XXXX % of the tuition at the end of the semester. I continued to be employed by XXXX until XXXX XXXX during that time I never received a bill or notice from XXXX or XXXX stating that I owed money. It was my belief that the class has been paid for. XX/XX/XXXX I received an email stating that I was being sent to collections for a debt XXXX+. The woman at XXXX I spoke with at the time told me they had been sending bills to my SNHU email ( I never opted into that and since I was only enrolled for 3 weeks I never checked the email account after I withdrew from the school/class. ). Obviously XXXX is refusing to pay for the class because I am no longer a employee. Last month the debt hit my credit report and after speaking with XXXX and National Credit Management who is the Collection Agency for the account, it is clear they do not have a phone number for me or current address ( moved in XXXX XXXX ). I do not believe I owe this debt, as SNHU failed to properly notify me of the debt, refuses to validate the debt and has a tuition agreement with XXXX. This bill should have been sent to XXXX XX/XX/XXXX. Even if XXXX had emailed me at my personal email ( which they have on file ) or mailed me a bill or notice in the 10 months following the class I would have handled it with XXXX since they were fully paying the bill.
10/20/2020	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Problem with customer service	IN 46260	Web
I attended the XXXX XXXX XXXX College XXXX, Indiana campus and had to leave due to medical issues at the time in 2017. I didnt know I owed a balance of {$550.00} until later. The school never notified me and at that time, I did have contact with the agency and couldnt pay it until I got the money since I was jobless and had just given birth to my daughter. While trying to enroll at another XXXX XXXX XXXX, XXXX, I was advised I needed to pay the balance, which I tried to pay through the school, but they gave me the information to National Credit Management. I gave them a call in hopes if I paid, it can be removed from my credit report. I was never informed they didnt do pay-to-deletes or whatever they call it, but their manager XXXX XXXX, stated I could call the school and have it removed since I satisfied the account in full. Now me, not knowing much about credit, I went to the school and was told Im supposed to contact National Credit Management since theyre the ones who had the account. I called them and then was told through a rude customer service representative that snarled at me when I tried explaining what I was told, WE DONT DO PAY-TO-DELETES and basically hung up on me. My issue is, why would you lie and give me hope that I could get the collection removed, when he couldve explained it from the beginning. I called and tried seeing if I could talk to him directly, was either hung up on, or having a call rep who was rude. I tried fixing the situation because if anything, XXXX couldve just been honest in the first place.
10/27/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 75056	Web
National Credit Management XXXX XXXX XXXX XXXX XXXX, MO XXXX To whom it may concern, On a recent review of my credit report, I discovered your company reporting a collection account. Numerous attempts and disputes to resolve this collection issue have gone unresolved. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ), I hereby notify you that I am disputing this debt in entirety, and you are required to provide me with validation of the debt by providing me all of the following information : Copy of original contractual agreement bearing my signature A clause in the original signed contract that authorizes the third party like yourself to collect on this debt. Statements from the original creditor and itemization of monies owed Copy of bill showing last default date Proof that the debt is valid and collectible and within the statute of limitations for this state Proof that you are licensed to collect in my state of residence Agreement between your company and the original creditor that authorizes you to collect on this debt I am also requesting that you cease and desist from all collection activity pertaining to this account. I am allowing you a period of 30 days to produce this information. If youre unable to validate the account, then you are to remove the collection account from my credit reports. Your failure to act will result in this matter being referred to the XXXX XXXX XXXX and the Attorney Generals Office.
01/28/2024	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 488XX	Web
I have diligently worked towards rectifying all inaccuracies on my credit report and greatly appreciate the assistance I've received thus far. Regrettably, I've encountered challenges with the remaining accounts despite disputing them both over the phone and through mail. Since XX/XX/2023, I've been in constant communication with these credit agencies but have been unable to resolve the issues that are hindering my progress beyond a life overshadowed by poverty. Their lack of attention to my files has not only complicated my life by incorporating detrimental information but has also led to choices that have gradually pushed me towards a precarious financial situation, nearing homelessness. Despite achieving academic and social success, securing a XXXX job, I find myself unable to advance any further. As one of XXXX siblings, seeking financial support from my family is not an option. Consequently, I've heavily relied on the credit system to forge a path in the American economy. Unfortunately, the inaccurate and adverse remarks from credit companies have not only made daily life exceptionally challenging but have also brought me perilously close to poverty 's edge as I strive for a better future. Juggling XXXX XXXX XXXX with a full-time job has added the role of a full-time XXXX XXXX to my life. With your assistance, I aim to have these unfavorable remarks expunged, enabling me to move forward and realize my aspirations.
12/28/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 75034	Web
This debt was previously sold to two different debt collection agencies- XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Per my previous complaint with the CFPB, this debt was legally guaranteed from XXXX XXXX XXXX and XXXX to be deleted from my credit infinitely under the circumstances of obscene harassment and threatening me illegally. There is legal binding paperwork to prove this. However this debt was then sold to a third debt collection agency after being provided legal binding paperwork that this account was closed and deleted. On XX/XX/XXXX, National Credit debt collection agency reinstated the debt illegally on my credit report and has illegally given my personal information ( full name, birthday, and social security number ) to people who are not me and have not validated they are me. Therefore my identity has been compromised. They have also provided fraudulent remarks on my credit stating this debt is " severely past due '' and that I supposedly have " missed payments ''. They have also harassed me over a dozen times after stating to them to not contact me and threatened to take illegal action against me. As a result of these illegal activities from this debt collection agency, I am letting this complaint serve as a final notice for this to be deleted from my credit with written confirmation again. If this is not the result, I will have my attorney be in contact with this agency. Thank you.
09/16/2019	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	NC XXXXX	Web
National Credit Management is a privately owned collection agency is in violation of the Fair Credit Reporting Act, 15 USC section 1681i and 15 USC 1692 ( a ) ( 5 ) there is no debt. This assumed debt was charged off after an internal credit in the amount of the loss in order to zero out the balances and close the account. The loss balance is then transferred from the Internal Active System to the Internal Collections System which opened up another fraudulent. The agreement is satisfied, the terms of the agreement is satisfied and the account has been zeroed out and the contract has been satisfied. This consumer is only responsible for the zero account closed. So if the account that is closed and the contract that created the account, that contract has been satisfied then National Credit Management has no claim. I hereby irrevocably refuse to consent/contract to National Credit Management agency because there is no law required for this consumer to do so. Until National Credit Management agency can provide a lawful authority by which this consumer is subject to comply with submitting to National Credit Management or jurisdiction in violation of my rights to be free of involuntary servitude. This consumer dispute this debt and all claims to contract in accordance with 15 USC 1692 ( g ) National Credit Management is hereby warranted to Proof of Claim in Arbitration.
09/25/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt is not yours	AR 72764	Web
National Credit Management sent a letter dated XX/XX/23 claiming to be from the XXXX XXXX XXXX to collect a debt for my XXXX XXXX XXXX son within 14 days or it would go to collections. The letter was not received until XX/XX/23. I called the university and spoke with the lady that handles the billing and was told that she didnt send any such letter and that she signs her name on billing statements and includes official letterheadboth of which were missing from the letter I received. I made a payment directly to the university after hanging up. I immediately got a call from NCM for my son. I explained to them that he was XXXX and that they needed to tell me why they were calling. They refused and did not identify themselves until I told them that if I was filing a complaint for fraudulent tactics to collect on a debt. Then the representative became more forthcoming. She however claimed NCM worked for the university instead of identifying herself as a debt collector from a private company. She asked me to confirm his birthday. She said that she was calling for the correct person but didnt know he was a minor despite having his birthday in front of her. Several minutes went by before she told me it was an attempt to collect a debt to which I told her that I had a payment plan in place with the university and that Id made my final payment.
05/06/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MO XXXXX	Web
XXXX XXXX XXXX ( XXXX ) has referred this matter to a Collection Agency of National Credit Management, when I XXXX XXXX XXXX XXXX do not have any financial liability or recourse in this debt owed, as both the business office promissory note was not completed by XXXX XXXX, and the Financial Responsibility Agreement was cancelled as shown in the document tracking of the student portal of XXXX. XXXX XXXX XXXX has harassed XXXX XXXX XXXX for this debt for over 2 years, with repeated letters, phone calls, and emails, but did not furnish a right to dispute nor a itemized description of charges being present, XXXX XXXX, withdrew from the University after being with enrolled by 4 days, but due to the negligence of efficiency in processing the withdrawal in a timely manner they see fit to charge XXXX XXXX for $ XXXX in which XXXX XXXX XXXX did attempt on paying some of it until the amounts seemed to continually increase, and while the administrative withdrawal fee of {$140.00}. It should also been noted that XXXX XXXX clearly expressed that he could not afford his tuition, and had to withdraw from the university, despite this being the fact the university is still insistent on their continued prolong harassment, and unwavering greediness towards the pursued collection.
06/28/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	CO 800XX	Web
I feel like the company extorted/extorting me to make payments without any proof of this debt. Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account they have not indicated that I have ever made any payments on this loan they claim I owe. I tried multiple times to solve this issue and was ignored or giving false information. When I called the office to resolve the issue like ( XXXX XXXX ) told me to do, she then told me I didnt qualify what she offered in the email. They refuse to remove the remarks off my credit report. Also, I wasnt attending XXXX XXXX University so I dont feel I owe this. I was in XXXX XXXX, MO attending XXXX XXXX training for nine and a half weeks to become a XXXX XXXX for XXXX XXXX. There is no way I could be attending school in Colorado while in Mo. Company had NEVER sent me in documents in regards to this. They claim they sent me a letter they never sent. Also in the attachment they claim to have mailed to my address in my previous complaint ( which is absolutely false ) says Dear Mr.XXXX ... I am not a mr . I have attached pictures of the emails with us, proof of employment at XXXX XXXX, and my certification to show I wasnt attending school.
06/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CO 800XX	Web
I never received any letter from the company in regards to this debt. I never receive any documentations, contract, or my signature on anything showing that I owe this debt. I have only receive emails and phone calls about this account or statements showing what the company say I owe in email attachment. Also with the phone calls and emails no one at National Credit Management disclosed I did not have to do business with them. Only that I need to pay the account in full or set up payment plans. I have asked multiple times for them to send documentation about this loan and was told I didnt need anything else other than I owe XXXX XXXX University money! I was never informed that I am NOT required to do business with the company under the ( Contract Law ). Which is illegal. I feel like the company extorted/extorting me to make payments without any proof of this debt. Not only that, but the company has been reporting negatively on my credit report. Despite the fact that I made payments on this account They have not indicated that I have ever made any payments on this loan they claim I owe. I tried multiple times to solve this issue and was ignored or giving false information. They refuse to remove the remarks off my credit report. XXXX XXXX.
03/29/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NH 03801	Web
On XX/XX/2017, I sent a request for debt validation to National Credit Management. I received a response back dated XX/XX/2017 with insufficient information to prove that the account had been transferred to this agency AND stated that the agency would CEASE all collection activities. Subsequently, AFTER I demanded validation NCM illegally ADDED this account to my credit report as I was alerted to a new account on my credit bureau on XX/XX/2017. I submitted a compliant via CFPB where NMC agreed to CLOSE the account and return it to the original creditor. This action of CLOSING the account is insufficient as this company continues to ILLEGALLY report FALSE information on my credit report. I am demanding that all references to this account be IMMEDIATELY deleted from ALL credit reporting agencies and I be paid {$1000.00} for each reporting instance including both XXXX and XXXX for a total of {$2000.00}. I am in the process of applying for credit and this is ILLEGALLY damaging my credit rating. I am attaching a copy of my letter to NCM, the certified letter receipt, and the NCM debt validation response letter including attachments that NO WHERE state that this account has effectively been transferred to this agency for collection purposes.
10/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	MO 64030	Web
I had a {$300.00} tuition balance issue from XXXX XXXX College of XXXX XXXX end up with a collection company National Credit Management XX/XX/XXXX. After finding out about the collection and speaking with the school XXXX and to National Credit Management I was informed that if paid the collection would be deleted off my reports. I paid this debt on XX/XX/XXXX under the condition PAID FOR DELETION. However, this debt still shows as a collection account on my credit reports. I have spoken to National Credit Management and they state I have to speak to XXXX and when I call XXXX they state I have to speak to National Credit Management. I am getting the run around after I did what I was supposed to do on XX/XX/XXXX so they need to honor their PAID FOR DELETION agreement. I've since graduated from XXXX and now back to fighting this battle to get this handled as accordingly. I have recently written a letter to several directors at XXXX and left a message for the dean 's office since National Credit Management will not do what they are supposed to do. They are the reporting company to my credit reports. Companies should not be able to treat consumers this way. I did my part so their part needs to be done.
12/07/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85296	Web
15 USC 1681 ( b ) i never gave authorization or approval from this companyto report anything on my consumerreport. 15 usXXXX 1692g me being the only originalcreditor i am the only one that can validate a debt and i have asked for all of the documents multiple times and they are unable to provide because within any document they send i will continue pointing out violations. I would according to 15 usc 1692kExcept as otherwise provided by this section, anydebtcollector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum ofinthe case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} i want my money back as i was unaware of the fraud activity being taken place at the time but i am now aware that i am the only orginalcreditor and you guys have been credited. This is violating my privacy and i demand this be taken immediate action according to 15 usc 1681 ( a ) Its my right to privacy. In truth in lending it clearly states what should be exluded fromaconsumer report and it says any credit card. Look up thedefinition of a credit card that congress put in place.
03/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 77082	Web
I have contacted National Credit Management regarding Account # XXXX at the address listed below via certified mail on XX/XX/XXXX and XX/XX/XXXX regarding unverified invalidated inaccurate information listed on my credit file with the credit reporting agencies, I have received back a letter from this company that i have attached that list account numbers, dates and charges but nothing that indicates that i am the account holder or responsible party for these accounts. I have demanded several times to have these inaccuracies removed by the company and by the credit reporting agencies but have not been successful. After researching the company and the debt collection guidelines in Texas ( in which i am a resident ) National Credit Management is not bonded with the state of Texas to collect any debt. Section 392.101 of the Texas Finance Code prohibits a third-party debt collector or credit bureau from engaging in debt collection in Texas unless the third-party debt collector or credit bureau has obtained a surety bond and filed a copy of the bond with the Office of the Secretary of State. Collection Agency Information National Credit Management XXXX XXXX XXXX XXXX MO XXXX
08/11/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	FL 33169	Web
My name is XXXX XXXX, a federally protected consumer and Im making this complaint against National Credit Management for committing identity theft. I have never given National Credit Management any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 15 USC \|1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until National Credit Management can provide me with sufficient documentary evidence that I have any legal obligation to pay them. If this documentary evidence can not be produced and National Credit Management continues its collection efforts, I will file for litigation for actual damages caused and National Credit Management will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant CC 1-202f. Your prompt attention and response are both requested and required.
06/10/2021	Yes	Debt collection Private student loan debt	Communication tactics Used obscene, profane, or other abusive language	GA 30291	Web
On XX/XX/2021 at XXXX. XXXX XXXX called and was immediately aggressive when I asked him what the call was about. Continued to talk over me and when I asked him to send a debt validation to prove it was my debt he said that it was sent XX/XX/2021. However, the debt validation that I received was not from him or his company. Because this is a new company I am entitled to a new validation because I am not familiar with them or the debt collector. I hung up after he tried to tell me " You got ta pay this debt or else.. ''. After, I called back in which he picked up to confirm company information, I wanted an address and the address that they accept mail to then patronized me by saying " Smarter people looked it up on XXXX '' then said that I was a " college dropout. '' This is behavior that is unacceptable especially when I didn't give him a reason to respond the way that he did. I also asked him to send the validation to the address that is on file and he was mad I didn't want to give personal information on the phone. Also, I never verified my social security number ( last four ) and he still proceeded to tell the alleged business of mine to an unverified ear.
02/18/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	IL 61704	Web
Hello, I first contacted National Credit Management on XX/XX/XXXX of XXXX after noticing a collection account on my credit report. At that time I had informed them that I had never received a notice letter informing me of my right to dispute the debt. They had updated my contact details after this initial contact and had claimed I will be receiving an email with the details. I waited for XXXX months, I never received notice. I then contacted this company again on XX/XX/XXXX after disputing the charge with XXXX. I asked again, for a formal notice informing me of my debt and requesting a debt validation after verbally diputing the charge. I was told I will be receiving another " email ''. I still have yet to receive something. They have violated my rights under the FDCPA and I will proceed with filing a lawsuit if I do not receive verification/validation of the debt within 30 days. I am now sending this company a written dispute. Since I was also told over the phone that " We do not accept verbal disputes ''. Which I also believe is a violation. As per my knowledge most debt collectors have to respond to verbal or a written dispute.
08/18/2022	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	AL 35022	Web
Name XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX, MO XXXX Phone number ( XXXX ) XXXX I accessed my credit report on XX/XX/2022. It came to my attention that The company listed above was furnishing collection information on an alleged debt to the Credit reporting agencies. This collection was disputed with the company above and XXXX XXXX XXXX University the company that illegally shared my identifying information with National Credit Management. I, the natural person is not obligated to and does not owe this alleged debt pursuant to 15 USC 1692 and 18 USC 8 as I advised to both companies mentioned above. Pursuant to 15 USC 1681 I demand that this account be removed from all credit reporting platforms This is my second CFPB complaint I am sending additional correspondence via Certified mail XXXX in regards to this account. When asked to validate this alleged debt they sent me a link to dispute with original debtor, an accounts receivable trail with no name and the account number doesn't match as well as enrollment document with a digital signature. Which does not meet the Debt Validation requirements listed in federal law
05/24/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MO 65803	Web
Apologies for any errors in reporting legal violations, my understanding is rudimentary at best. XX/XX/23 : Recieved call from National Credit Management, stating I owe {$2800.00}. I did not recognize this debt, so I state, " I'm not sure... I recognize this ( debt ) ... '' and asked for letter of validation of debt and to only recieve communications through mail. I did not state the debt was mine and did not agree to pay this debt. NCM consented to my request for written form of validation. XX/XX/23 : 5 days after initial communication, NCM has not provided validation of debt in any form, violating all parts of 12 CFR Part 1006 ( Regulation F ) Section 1006.34 ( a ) ( 1 ). XX/XX/23 : 30 days after initial communication. No further communications from NCM. Decided to allow another few days before reporting to allow them more time to correct clerical errors. XX/XX/23 : 42 days after original notification. NCM has neither attempted to collect on the supposed debt and has not fulfilled my request for validation of debt. Have not recieved any communication of any form from NCM.
06/23/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	GA 30274	Web	Servicemember
Collection agency : National Credit Management XXXX XXXX XXXX, XXXX XXXX, MO XXXX Phone number : ( XXXX ) XXXX XXXX Partial Acct # XXXX School : XXXX XXXX XXXX College of XXXX XXXX State University XXXX XXXX XXXX XXXX, AZ XXXX Phone number : ( XXXX ) XXXX Amount owed : {$2700.00} The school falsely advertised the price of the degree plan and the course in following manner. ( 1 ) XXXX State University failed to advise me that there was a difference in price for out of state tuition for the program that doubled the amount of the class cost. When I advised the school ( contact name XXXX XXXX ) of their representative ( XXXX XXXX, Enrollment Coach ) tactics, they dismissed my concerns with no review or investigation into my allegations. ( 2 ) the school nor the collection company never notified me in a timely manner that owed in monies to the school. As such I was not given the opportunity to pay it off timely and in good faith. The balance was paid as should have ; however, I do not feel that this should be on my credit reports.
04/13/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	IL 62864	Web
I set up autopay from my bank account to make payments so I would not forget. ( Which I have no clue why I was paying it because I only owe 2 student loans and this 3rd bill came from nowhere I guess ). The University continued to take said auto pay from my account for months. Out of the blue, I get a notification from XXXX XXXX, I have a debt collection hit on my credit score! Come to find out, my payments have been stopped and I have been turned into collections. I never asked them to stop taking payments, never changed banks, and never ended the checking account with my bank. I still have the same everything. How on earth can this happen? Clearly, I have never missed a payment on any debt I have and that can be seen on my credit report that states 100 % payments made history. I have no clue on how to even go about taking care of this, but I do know, that bill that I had payed down has accumulated into a bigger amount and I have done nothing to make this happen. I'm so upset. There should be laws on stuff like this.
10/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 676XX	Web
Thank you for your recent contact dated : XX/XX/XXXX. I would be happy to settle any financial obligation I might lawfully owe, as soon as I have received the following documentation from you : 1. Validation of the alleged debt ( the actual accounting showing a loss ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
07/12/2023	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NC 28110	Web
I have a balance at a previous university and because of this, they have a hold on my transcripts. They said if I worked with the collections company that has my debt, they will release the transcripts. I contacted the company and made the required upfront payment and I am very concerned with how this company handles my personal information. I called to make this payment on XX/XX/2023. When the individual answered, I told them why I was calling and they said they could help and asked if I was 'MY NAME '. I am, and so I responded with yes. Then the individual read off my SSN, DOB, address, email, and phone number to me asking if this was accurate. I could of been anyone and this individual gave out every piece of personal information I have. They didn't ask to confirm it and have me read out the information, they read it off themselves. This is an unethical example of handling personal information. I have canceled my card and plan to contact the school to find a new method of handling this debt.
02/05/2021	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was paid	VT 051XX	Web
I have a paid all my debt to XXXX XXXX XXXX XXXX XXXX loan nothing is outstanding. I declared bankruptcy : XX/XX/XXXX, reference # XXXX Discharged Court : XXXX name : XXXX XXXX XXXX XXXX Dispute Results Report Created On : XX/XX/XXXX File Identification Number : XXXX Your Investigation Results INVESTIGATION RESULTS - VERIFIED AS ACCURATE : The disputed item was verified as accurate. We investigated the information you disputed and the disputed information was VERIFIED AS ACCURATE. Here is how this item appears on your credit report following our investigation. NTL CREDIT MGMT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Account Details Account Number # XXXX Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX MO XXXX ( XXXX ) XXXX Date Opened XX/XX/XXXX Responsibility Individual Account Account Type open Loan Type COLLECTION AGENCY/ATTORNEY Balance {$230.00} Original Amount {$230.00} Original Creditor XXXX XXXX XXXX ( Educational ) Past Due {$230.00} Pay Status >In Collection<
08/31/2022	Yes	Debt collection Federal student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	IL 62269	Web
In 2018 I was attending XXXX XXXX. I had been for a while and was getting financial aid. The last semester that I attended, I had turned in all of my financial aid info and started school. I was contacted by the financial aid office after saying I owed them for the full semester. I asked how was that possible and I get full financial aid? The young lady explained that she failed to turn my paperwork in to the department of education for them to send in my financial aid for that semester. It is being reviewed by the department of education and collection actions are supposed to be on hold until the investigation is completed. Today National credit management emailed a bill with all of my personal information, name address as well as full debt information to a shared email box that is used for business now without calling to verify that it was my personal email. I share that email box with my sisters and a couple other people. That is a violation especially including my personal information.
11/07/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 676XX	Web
Thank you for your recent contact dated : XX/XX/2019. I wrote to you on XX/XX/2019, requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : 1. Validation of the alleged debt ( the actual accounting ) ; 2. Verification of your claim against me ( either a sworn affidavit or a hand-signed invoice in accordance with The Bills of Exchange Act 1908, Section 23 ) ; 3. A copy of the contract signed by both parties and therefore binding both parties. 4. Please also provide me with a true and certified copy ( NOT photocopy ) of the Original Note ( Credit Agreement ), under penalty of perjury and with unlimited liability and confirm that this Note, has never been sold. Please also confirm the name of the individual who is the duly authorized representative from your company, who has carried out due diligence under the Anti-Money Laundering and Countering Financing of Terrorism Act 2009 and what actions s/he has taken in relation to this account.
09/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CA 92071	Web
On XX/XX/2022, XXXX did knowingly and unlawfully permit a negative item resulting from civil-rights violations to remain on my creditreport. Although my XX/XX/2022 complaint two-day investigation into and the process to disclose a complete factual background into the illegitimacy of the debt were too short to fully account for the creditor 's offenses, XXXX rejected the notion that crime does not pay. Having previously seen XXXX validate similar misconduct -- keeping fraudulent items on my creditreport, as if accuracy could ever legalize a debt generated by a creditor 's wrongdoings -- XXXX mistakes accuracy for legality, making the creditreporting agency complicit in the financial terrorism arising from violation of XXXX XXXX and federal law. That the debt could have been generated, in the firstplace, places XXXXXXXX XXXX XXXX XXXX at-fault for the debt. XXXX XXXX is negligent in the performance of its duties to its masters, the People of the State XXXX XXXX XXXX
02/08/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	GA 302XX	Web	Servicemember
XXXX University employed National Credit Management a debt collector to obtain monies owed for me pulling out of class early. Being that I submitted in a timely manner pulling out of the class and requested that the school do not send me funds because of the course that I requested early departure. The school sent the money that was associated to my federal student loan ; unfortunately, I was not notified in a timely manner of the monies owed and the school sent the account into collections immediately without giving me chance to pay the account balance. The collection company ( National Credit Management immediately put the account in collections on my credit reports. Also, according to my Stafford loan disclosure, I am required to pay the same monies that was in collection back on my loan. This would make two payments. The school failed to tell me the accurate cost of the course which was extremely to high is the reason why I left the program and the school.
01/31/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	WA 98503	Web
my personal information was used at XXXX XXXX XXXX college to receive financial aid for classes I have never enrolled or attended classes at the institution in question and a {$1500.00} debt was placed in collection on my name I have contacted the institution and they notified me of the fraud and have notified the debt collector of the fraud and online classes was taken from a person in Florida I do not reside in Florida nor have I ever been to Florida I live in Washington state and had no prior knowledge to the transaction until XX/XX/2019 when checking my credit report I spoke with XXXX XXXX at XXXX XXXX and she notified me on my steps to take in getting the collection off of my account and getting a police report filed for fraud this collection has effected my credit score and has made things very difficult to me as a XXXX year old student which is why I am filing this fraud report to retain my information and clear up records of fraudulent behavior
09/27/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX XXXXX	Web
I have disputed this issue with National Credit Management several times, all to no avail. National Credit Management is collecting funds for XXXX College. When I made contact with XXXX College 's Bursar 's Office, the bursar 's office states and confirms this debt was NEVER SENT TO National Credit Management for collections. This debt remain solely with the college. The debt was paid directly to the college so that I could register and attend classes. I made contact with XXXX XXXX of National Credit Management via phone [ ( XXXX XXXX XXXX ] and informed her of this issue. She gave me her email address and asked me to send them a copy of the paid receipt the college sent to me via email. Plus she said she would contact the college directly to verify the paid receipt. I sent the email directly to " XXXX ''. As of today, XX/XX/2019, I have not heard a response from National Credit Management. Please see attachments for proof of payment.
10/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	TN 37110	Web
On XXXX XXXX, 2015, I received a collection notice from National Credit Management Mid-South XXXX XXXX for an alleged debt owed to XXXX College in the amount of {$200.00}. However, after checking with the Student Accounts office at XXXX XXXX XXXX " the College '' ), I determined the amount was to be billed under a third-party billing agreement with the College and therefore is not my individual liability. Therefore, on XXXX XXXX, 2015, I requested National Credit Management to provide validation of the debt as provided by the FDCPA and for an accounting of the debt. I 've received no response to my request. However, after checking my credit report, I noticed the debt was reported to all three major credit reporting agencies. National Credit Management is reporting a non-validated debt on my personal credit report causing damages to myself in terms of my credit score, personal reputation, and business relationships.
02/01/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78741	Web
I consolidated my XXXX XXXX University loans and XXXX XXXX with National Credit Management. At the time they are claiming that my student loan accounts were not past due based on the credit report they obtained prior to helping me consolidate through XXXX XXXX XXXX on XX/XX/XXXX ; this was not the case. I spoke with XXXX XXXX who helped me with my application to consolidate with XXXX XXXX XXXX. XXXX also failed to tell me that my XXXX XXXX account was past due prior to helping me consolidate these loans. On XX/XX/XXXX, National Credit Management reported my account as Collections and Delinquent with all three credit reporting bureaus - two months after they assisted me with completing the loan consolidation, which had been completed. I have contacted National Credit Management. I have also disputed these accounts with all three credit reporting bureaus, National Credit Management, and a private attorney.
07/24/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75056	Web
To Whom This May Concern, I have written multiple letters for verification of this debt requesting a copy of ; Agreement from the client that authorizes National Credit Management to collect on this alleged debt, An agreement reflecting my signature that confirms my acceptance of obligation, & A full and clear explanation of how you calculated the debt. I have also reached out to the Credit Beaus for assistance and I have yet to receive the requested forms of verification regarding this debt. Upon personally investigating this company. National Credit Management at location XXXX XXXX XXXX XXXX. XXXX XXXX, Mo XXXX is NOT registered with the Secretary of State of Collect in the State of Texas. This is a requirement to collect ANY debt in the state of Texas. Company can not provide requested documents for verification. please delete
04/21/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 971XX	Web
I signed up for classes at XXXXXXXX XXXX XXXX XXXX XXXX, for a XXXX XXXX XXXX XXXX program. Originally they told me I could not register, because I hadn't finished a XXXX course. Later they did allow me to register, and so I did, but because I hadn't finished the XXXX, they then told me that I could not receive financial aid. I promptly dropped all my classes because I had no way to pay for them. They then charged me a 20 % fee for dropping my courses, even though I never attended and they admitted me past the no fee dropout timeframe. It's not fair or right, that they charged me close to a XXXX dollars and then sent the bill to collections. Predatory practice. They should have not charged me anything, because I promptly dropped all courses before they started. Please help me get rid of this on my credit report. Thank you
09/27/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Problem with a company's investigation into an existing problem Their investigation did not fix an error on your report	IL 60473	Web
I am writing to bring attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have fallen victim to identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a negative impact on my financial well-being and personal reputation. I kindly request your cooperation in removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am prepared to provide any necessary evidence and, if necessary, pursue legal action to protect my rights and seek appropriate compensation. I sincerely appreciate your prompt attention to this urgent matter.
02/04/2022	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	FL 32119	Web
Hi, I contacted National Credit Management in regards to my debt on my credit report. I havent heard or seen anything so I was in total shock. I wanted to resolve this as soon as possible. I called NCM tonight at XXXX PM and spoke with XXXX. She couldnt hear me, as I explain my concerns when she answered. So she hung up. I then called back and she answered. She disclosed debt information prior to verifying any information. She stated the mini Miranda but only this is an attempt to collect a debt Being a previous debt collector I know as a third party collector they have to say this is an attempt to collect a debt and any information obtained with be used for that purpose, this communication is from a debt collector. She did not state that at all. I want this completely removed from my credit and waived. She violated FDCPA.
04/23/2020	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	IL 624XX	Web	Servicemember
The account associated with XXXX UNIVERSITY has not been removed as it is CLOSED. XX/XX/2017 I have asked to not be contacted through any other means other than standard mail via the postal service to resolve this matter. Yet I still get phone calls and added interest and fees monthly. I have not given permission for any third-party agencies to use or withhold my personal information. I believe excessive fees and interest have been used against me and the agencies involved refuse to answer any of my questions. I have not authorized the agencies involved to obtain, store or sell my personal information and have explicitly stated not to be contacted. They do not have a wet-ink signed signature proving I am responsible for any debts they claim I owe them. They harass me and I refuse to have my rights violated any further.
08/23/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
I am disputing an entry on my credit reports made by National Credit Management, who is collecting for XXXX XXXX for the amount of {$430.00}. I spoke to the XXXX 's XXXX at XXXX XXXX. They state my debt with the college was NEVER placed with National Credit Management and that I was eligible to pay my debt off through the college exclusively. I have made this payment directly to the college so that I can register for classes. The payment was made by VISA in the amount of {$340.00}, which is the ORIGINAL amount of the debt ( not {$430.00} like National Credit Management lists. I have disputed this entry on my credit reports for quite some time now and National Credit Management maintains they are collecting for XXXX XXXX. XXXX XXXX 's XXXX 's office has maintained this debt NEVER went into collections.
04/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90247	Web
XXXX XXXX was asked to verify a debt that they say I owe and XXXX XXXX University failed to and openly ignored my request to verify the debt. The institution failed to respond to the request within 30 days. After notifying them of this and their legal obligation to respond with such information and to alert the collection agency acting on behalf of them to the matter they removed the item from my XXXX and XXXX report. However, as of XX/XX/2018, they have not done their due diligence of alerting the credit reporting agency and National Credit Management reported this unverified account to my XXXX Report. XXXX University and National Credit Management, as acting on their behalf is in violation of FCRA and boldly continues to omit the law. Please see communications attached.
05/09/2019	Yes	Student loan Private student loan	Dealing with your lender or servicer Received bad information about your loan	GA 302XX	Web	Servicemember
The school fraudulent advertise that I would be paying lower fees for the school/class. Once started each class was {$6500.00} per class. I dropped the class because of the pricing. Later I was hit with a balance without warning. The loan was sent to a third party vendor NATIONAL CREDIT MGMT which immediately applied for the loan on my credit reports. I paid the loan off timely and was advised that they do not remove credits reporting from accounts. The account was paid n full immediately. I feel that XXXX XXXX University and National Credit Management was negligent in customers due process and was not in good faith. Ask that being that the account is paid off and the procedures were not ethically correct, that the negative reports be removed from my credit reports.
04/12/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MI 48212	Web
Hey theremy name is XXXX i was a student at XXXX XXXX XXXX when i registered for college i had XXXX XXXX and the college took the payment for my classes at that time through my XXXX XXXX program i attend the classes for a few months and then i had emergency situations my grandmother died back home in my country in XXXX i had to travel I didn't finish my classes but it was paid in the beginning of the semester and when i was back from my country I found a Collection amounts from XXXX XXXX XXXX i call them and asked why they said its because I didn't pay for my classes which was already paid in my financial aid I'm not responsible for this amount and it should not be in my name and they been mistaken I know it's not my fault and it's should be removed.
01/24/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	IN 47715	Web
I previously paid a tuition debt with XXXX XXXX University in the amount {$1600.00} in XX/XX/2019. I paid this amount directly with the University and not with a debt collection agency ( National Credit Management ). I never had a contract or have done business with this company yet they are reporting a closed account on my credit report which is erroneous. I have requested payment and debt validation from this company yet have received nothing in return. I Have disputed this account with the 3 credit agencies but have yet to gain a resolution. This company is reporting false information and is violating my rights under the Fair Credit Reporting Act. I have been subjected to undue financial burden due to this false and illegal credit reporting.
03/01/2019	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IN 46268	Web
In XX/XX/2018 my Indiana Income tax refund was offset and sent to XXXX XXXX. I called XXXX XXXX via the toll free number provided by the Indiana Department of Revenue, at which time I requested in writing and by phone a detailed breakdown of all charges as well as credits. XXXX XXXX has failed to send any documentation supporting the debt. I am aware of two grants the college has received on my behalf, yet no explanation has been provided detailing how these monies have been applied toward the debt they alleged I owe. In addition to this, I have had to dispute the amounts for which they are claiming I owe as the letter I received claims one amount and the email I received says another, while my credit report claims two times the amount.
06/15/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 77340	Web
Consumer 's account was assigned to NCM on XX/XX/21 for collections, by XXXX XXXX XXXX University. NCM attempted to discuss account with consumer but consumer hung up the phone. Validation information was sent to consumer on XX/XX/21 explaining that consumer is responsible for the remaining charges for enrollment to the University. Since consumer has disputed the account. NCM has closed the account back to XXXX XXXX XXXX University and consumer can contact the University to discuss the account. Since this account is closed and NCM has sent the account back to XXXX XXXX XXXX University you have no business reporting this false and fraudulent account on this alleged debt you never had any rights to report on my consumer reports.
04/16/2022	Yes	Debt collection Private student loan debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	PA 15205	Web
The collection agency under national credit management put a collection on my credit account 3 years later that I did not know about because it should have been a debt under my student loans. This collection is really hurting my score that I worked hard on for years. I called them and they told me it didnt report because of covid was in place but other things reported on my report and I was fixing my report at the time so I kept an eye on it everyday. It should have been reported in 2019 which was way before Covid so that is not an excuse. This debt is {$3500.00}. If I would have known it was going to report on my report more recently I would have stopped it and made arrangements with the collection agency.
04/12/2023	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	FL 32506	Web	Servicemember
This company ( national credit management ) has emailed and called and recently started contacting my family member who they claim I used as a reference. When I called the representative, XXXX XXXX, he was rude, condescending and basically told me that he would not stop calling her or anyone else on my behalf because he's trying to collect a debt and as long as this debt is outstanding, until I pay it or make arrangements to pay it, he will call whoever he wants -- that no law protects me from that or prevents him from using such tactics to get me to pay the balance. When I continued to tell him " please stop calling my daughter '', he hung up on me and then refused to answer a subsequent call.
08/14/2023	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	GA XXXXX	Web
I discovered that National Credit Management has reported a collection account for a debt that I believe may not be valid. I have not been properly informed about this debt, nor have I received any communication or documentation from National Credit Management regarding its legitimacy. This lack of transparency has left me deeply concerned about the accuracy of this debt reporting and its impact on my creditworthiness. It started on XX/XX/XXXX. The last reporting is on XX/XX/XXXX. The account is XXXX dollars. It is to my understanding that the XXXX XXXX XXXX XXXX have sold my account to them and they got a credit from the IRS when filing my account as a loss.
03/19/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46226	Web
I got notification from credit monitoring service that a collection account was added to my file without receiving any dunning letter from this estranged company that I have no dealings with. I contacted National Credit Management on XX/XX/XXXX and requested a copy of a signed contract showing that I owe this balance and to provide me with copies of any papers that show I agreed to pay what you say I owe. The company responded with emails from someone and their company exchanging emails back and forth regarding overdraft fees from an account. This company has no proof that this account belongs to me and I have no knowledge of this account or this company
04/26/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AL 35022	Web
I RECEIVED A LETTER AND SEVERAL CALLS FROM NATIONAL CREDIT MANAGEMENT IN REGARDS TO AN ATTEMPT TO COLLECT AN ALLEGED DEBT IN THE AMOUNT OF {$950.00} ON BEHALF OF XXXX XXXX XXXX UNIVERSITY. I SENT A CEASE AND DESIST PURSUANT TO 15 USC 1692C ( C ) ( 2 ) AND THE ORIGIAL LETTER THEY SENT ME REQUESTING DEBT VALIDATION. I OWE NO SUCH OBLIGATION. IF THEY CAN NOT RETURN FULL DISCLOSURE IN ACCORDANCE WITH 15USC 1681G AND ALL OTHER DOCUMENTARY EVIDENCE IN ACCORDANCE WITH 15 USC 44 I CAN NOT VERIFY AND THERE CAN NOT BE ANY CLAIM OF ALLEGED DEBT IN NAME OF MY PRINCIPAL OBLIGATOR. OTHERWISE, MY CONSUMER RIGHTS ARE IN VIOLATION AND I WILL SEEK REMEDY
02/18/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IN 46226	Web
National Credit Management a/k/a National Collection Systems , Inc. ( hereinafter called, " Collection Agency '' ) did not provide me with a debt validation letter and itemized statement of account in regards to the purported indebtedness any time in history. I have written the collection agency on five separate occasions disputing the validity of the debt and each time therein for the collection agency to provide me with a debt validation letter and itemized statement of account for the purported indebtedness to no avail. The collection agency has intentionally failed to follow the legal procedures outlined in the FDCPA and FCPA.
07/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85224	Web	Servicemember
According to the National Consumer Assistance Plan, credit reporting agencies are supposed to only report collection accounts that were created via a contract. I do not have a contract with the collections company that is trying to collect collect a debt from me. I mailed them the template collections letter that this website provides, and the section from the NCAP that specifically states that credit reporting agencies shall not allow collection furnishers to report debt that did not arise from a contract. Please refer to pages 11-12 of the NCAP because it corroborates the policy set in place that I am talking about. Thank you!
08/24/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	CA 90028	Web
National Credit Management placed an account on my credit in which is not mine or a result of identity theft. I have never done business with this company and this is not my debt. It shows the original debtor as XXXX XXXX University which I have never attended. I have reached out to the original Creditor and they said they do not have me as ever being a student. National Credit Management is fraudulently trying to collect a debt that I dont owe. It shows on my credit I opened the account in XX/XX/2023 which is fabricated and untrue. This is something made up. I will be sending the original creditor a request for debt validation.
11/12/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KS 66062	Web
National Credit Management is attempting to collect a debt for XXXX XXXX XXXX College. The debt is for a class that I enrolled in, but then dropped the class online. I did not take the class and dropped well before the deadline. NCM and XXXX claim that I should pay {$320.00} for the class that I did not take and they have filed a claim on my credit report. I have advised NCM and XXXX both that I cancelled this class. There appears to be a mistake with their online enrollment system. I have asked both organizations to provide proof that the class was not dropped and they have been unable to provide this information.
12/17/2017	Yes	Debt collection Federal student loan debt	Communication tactics Used obscene, profane, or other abusive language	IN 46218	Web
XXXX XXXX XXXX college falsely charged me for a semester after an issue with my parents taxes, I have a deragatory mark on my credit of XXXX for the National Credit Management open XXXX 2015. They repeatedly called and harassed me for months telling me why did I go to school if I cant pay for it, and that I think Im invincible since I didnt pay it and Im think Im above the law and a criminal, and cursing at me exclaiming they didnt give a XXXX about why I dont have the money. After letting them know I do not want to be called and would be going to the college they repeatedly called and harassed me for weeks after that.
03/06/2019	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	MO 64030	Web
This company is violating the fcra by reporting incorrect information on my credit report. I am the victim of a shooting In which I was u able to attend school. I was told from appeals that I would be granted and balance refunded which did not happen. Instead as i have been healing up they have ruined my credit. The company shows I was refunded XXXX but is still charging that as part of the balance even though there should not be any balance. They never sent me any communication regarding this debt, they have cease communications on the file. They are violating my rights and will be sued In federal court.
05/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75104	Web
This account is involved in litigation for fraudulent practices according to my FCRA rights. I have not supplied proof under the doctrine of estoppel by silence, Engelhardt v. Gravens ( Mo ) 281 SW 715, 719, I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists. Note that the collector has to stop all collection activities until it can provide all the evidence. Under the FDCPA Section 809, Validation of debts [ 15 USC 1692g ] I have the right to verify any alleged debt on my credit report and if the alleged debt is being disputed, the debt collector shall cease.
10/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MI 48126	Web
I have disputed it a few times through the credit bureaus. I have sent letters to the collection agency reporting a collection on my credit report that they have to show the accuracy of their documents but no such thing was given. It is the law under FCRA to do so and yet they will not. I have not a single blemish on my credit report besides this collection company. When I called and spoke to a supervisor he told me to call an attorney. The " collection '' is a college class that i paid off. The college told me that it wasnt in collections but when I paid them it turns out they reported it that way.
12/16/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	AZ 85296	Web
I have reached out to XXXX multiple times as well as the company I extended credit " XXXX XXXX XXXX XXXX I am also aware of my right to refuse any payment 16 Usc 1692c ( C ) and its also my right to have privacy which they have infringed upon it by giving access to a 3rd party debt collector with the attempt to collect a debt. I called them and spotted out multiple violations I also have a recording of the call in which the supervisor was very rude and not helpful at all as he kept interrupting me letting me know he doesn't care that I know my laws as I was stating the ones violated.
01/04/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	CO 802XX	Web
A series of parking tickets were accumulated by my wife through XXXX XXXX University in the fall of XXXX. These tickets were eventually brought to collections. It is important to note that this debt did not originate from a contract, and according to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX should not appear on my credit report. Starting in the spring of XXXX and through the summer this issue had be disputed to the three major credit agencies, XXXX XXXX and XXXX. However, all three did not apply the XXXX XXXX XXXX XXXX and the hit to my credit was not removed.
10/05/2023	Yes	Debt collection Medical debt	Attempts to collect debt not owed Debt was paid	MN 55414	Web
I received an email from National Credit Management on XX/XX/2023 concerning a {$330.00} debt that they stated I owed. The XXXX XXXX XXXX XXXX XXXX XXXX placed a due balance of {$260.00} in their office for collections. However, the {$260.00} was paid on XX/XX/2023. National Credit Management and the XXXX XXXX XXXX XXXX XXXX XXXX both acknowledge that the {$260.00} was paid, but are requiring me to pay a {$66.00} charge, which is wrongly being put on me instead of the XXXX XXXX XXXX for mistakingly taking this to National Credit Management when it was already paid.
01/29/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	MI 48314	Web
This company agreed to remove the account from my credit report after it was paid because they did not properly notify me and did not give me a chance to dispute/verify the debt, I didn't receive any written notification that they were trying to collect the debt because the address and phone number they had on file was not accurate. After I made the payment they stated that they never agreed to remove the account from my credit report. I am trying to purchase a home and this negative account has hurt my credit score and I can't qualify for a mortgage.
05/21/2018	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	PA 19135	Web
I do not owe XXXX XXXX XXXX University. This is false and misleading information. This collector is reporting an erroneous amount. I disputed this debt with all 3 credit bureaus and this collector changed the amount owed from {$5500.00} to {$4200.00}. Now on XXXX they changed the amount back to {$5500.00}. How can 1 bureau show a different amount than the other 2? This company has violated my consumer rights under 15 USC 1692 FDCPA and 1681 FCRA. If this account is not immediately removed i will turn this over to a consumer protection attorney
02/09/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	AZ 85048	Web
I've went to the collection agency and disputed their claim under section 809 of the FCRA. I've sent a letter on two different occasions AND NEVER RECIEVED A RESPONSE BACK. This is a violation of the FCRA and the FDCPA. Why are these laws in place if agencies such as " National Credit MGMT '' aren't going to follow and comply with federal law? I sent mail to this establishment twice through the USPS postal service through certified mail. XX/XX/XXXX and XX/XX/XXXX One letter was signed for XX/XX/XXXX The other was signed for XX/XX/XXXX
01/23/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 76227	Web
This company reported the collection to the credit boreaus in XX/XX/2022, however they never sent me a letter to validate the debt. Since I realized I called them and said that I did not receive a letter to validate the debt which I do not know and I have no information, even so they did not send me anything. After contacting us by email they sent me the invoice with a fee which I ask that they explain to me and even so they do not do it and I ask again that they contact me only by email and even so they ignore my requests.
02/11/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85085	Web
I sent NCM a letter and asked for a true and certified copy of the original instrument of indebtedness with my original signature. NCM sent me a typed up copy of a lot of numbers of an amount owed with no sign of my signature in sight. I followed up with another letter that 's attached to this complaint and asked them once more to please send me the original indebtedness. NCM refused to do so and sent me another letter stating that they were n't responding to my letters any longer with an updated different balance.
01/24/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NY 11426	Web
My credit was ruined out of nowhere from a bill that I never received or had any knowledge of. It was in collections on my report before I even knew the claim they made. If I knew that I was enrolled in classes I would have withdrawn because I didn't live in XXXX county. The school never sent me one bill or any mail making me aware of the fraudulent enrollment. They claim the bill is valid, but have no way to prove it was me that signed up. My kids could starve because times are hard and they stole my credit.
05/15/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	TX 75232	Web
I have disputed this entry for National Credit Management several times. I have repeatedly asked them to send me a copy of the signed, exclusive contract between National Credit Management and myself for repayment. The only response I've received from them is documentation I've had with my school. They refuse to send me a contract stating conditions for repayment between me, XXXX XXXX and them, National Credit Management. I've sent correspondence XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.
05/02/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	IL 60532	Web
On XXXX I was transferred a call from a coworker and it was XXXX with National Credit management. I asked that she do not contact me at my employers number and she said okay. I then called again on XXXX to confir m NCM will not call my work number again. The gentleman informed me the number was removed and this will not happen again. However again on XXXX XXXX at XXXX I received another call on my work number from National Credit Management. I again called and then sa id it was removed AGAIN.
09/16/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MN 55112	Web
I have been disputing this account for many months, and I'm very displeased about it. National Credit Management still hasn't sent me anything in the mail, their first FCRA and FDCPA violations. They have refused to respond to my mail, their second. They have continued to report the disputed account to the Credit Bureaus, their third. They are flagrantly violating federal laws, they are still reporting this inaccurate account, and they have failed to notify the consumer in any way! DO YOUR JOB! FINE THEM!
01/05/2021	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	IL 60620	Web
Original debtor requested certain information that was sent by myself, and uploaded directly on the website on XX/XX/2020 and XX/XX/2020 to validate that this debt could not be paid, and that I needed to be put on a deferment or repayment plan. Original debtor refused to acknowledge the uploaded document, and requested that the document be frivolously uploaded together. The debtor is using frivolous tactics to collect on more than what is owed and may be in violation of FDCPA rights for consumers.
11/08/2022	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10462	Web
National Credit Management has continued to contact me despite receiving a cease and desist letter from me and agreeing to stop communication after I filed complaint XXXX with the CFPB. NCM stated in their response on XX/XX/22 that this account was closed, but then verified the account through a dispute with XXXX as open and accurate on XX/XX/22. The collection agency is violating 12 CFR 1006.18 by engaging in deceptive practices by subjecting me to misleading representations of this debt.
10/29/2022	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10462	Web
On XX/XX/22, I sent a formal cease and desist letter to stop all communication from National Collection Systems , inc, which was delivered on XX/XX/22. Immediately after the receipt of this letter, National Collection Systems , inc. contacted me via email in an attempt to collect debt they allege I owe. This agency has repeatedly contacted me, asking for my social security number or mailing address and harassed me while at work. Their communication has interfered with my day to day life.
02/12/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 631XX	Web
NATIONAL CREDIT MANAGEMENT has placed an additional report on my credit when it was previously made clear we would be working with the XXXX University XXXX XXXX XXXX on resolving this matter directly. Please check reference to Consumer Complaint No. XXXX Details with Missouri Attorney General Sent email to XXXX XXXX to advise of concern about account and attempts to find resolution again, given the circumstances, as of XX/XX/2019 Will not be paying two separate debt collection efforts.
01/02/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NM 87507	Web
Debt is from the college I attended for my XXXX study. It is the fee to graduate. Was not notified that it would go to collection, nor was I notified that it was with a collection agency. No one contacted me. I called school to pay and was told it was with a collection agency. Paid the debt with the collection agency and it is still appearing on my credit report months later. I was told it would be removed from my credit once I paid it.
09/15/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MO 657XX	Web
I attended classes at XXXX during the fall of 2014. I had asked to be dropped from my online classes due to issues with the courses. I am now being contacted by National Credit Management with threatening calls for a XXXX debt they say I owe. I have asked for verification of the debt 3 times to mailed to me and have not received it. They have left threatening messages and hang up on me when they call. They are threatening my credit.
08/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 42701	Web
Ive contact National Credit Management on different occasions to delete an account on my credit report that is not mine. The first time I contact them via mailing in regards to validating the debt they failed to mail me copys that verify this debt as mine. They only decreased the debt from {$90.00} to {$70.00}. I recently filed a complaint and their only response was to close the account and return it to XXXX XXXX University.
03/08/2017	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	MO 631XX	Web
I have repeatedly requested that National Credit Management provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.
08/23/2021	Yes	Student loan Private student loan	Struggling to repay your loan Can't get other flexible options for repaying your loan	TX 77065	Web
Ive tried contacting in XXXX of this year XXXX XXXX XXXX XXXX XXXX and collections agency National credit management but they offered no help with payments or lowering collection fees of XXXX nor were open to pause in interest at 5 %. Ive tried explaining how with my transcript locked due to this dent Im unable to finish school and therefore get a job thatll pay me enough to pay debt as well but they still offered no help.
10/11/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX XXXXX	Web
Previous Complaint No. : XXXX National Credit Management has received information from XXXX College directly stating my debt to XXXX College has been paid in full. National Credit Management, however, is still reporting this debt as unpaid on all of my credit profiles for XXXX, XXXX and XXXX. I have attached the paid receipts and a letter from XXXX college XXXX XXXX office stating my past due balance has been PAID IN FULL.
12/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	NJ 07724	Web
I am being sent a bill from National Credit Management which is trying to collect on a debt from the original creditor XXXX New Hampshire University for services that I did pay for out of my financial aid and I am being double billed from the university and now put in collections. My bill was taken care of while I was at attendance at XXXX and then my award was readjusted after I received my refund when the term was over.
04/21/2022	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt is not yours	NV 89011	Web	Servicemember
A letter dated XX/XX/XXXXwas received from National Credit Management for delinquent account for XXXX XXXX XXXX University. Two debt validation letters were sent to National Credit Management. Validation letters were sent via USPS Certified Mail with e-Return Receipt as of XX/XX/XXXX, debt collector has not replied to my debt validation requests and has reported the collection on all 3 credit reporting agencies.
10/04/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	TX 75160	Web
Last semester I failed in college, I made appeals, I talked to my advisors and I received a letter that I owe around {$6000.00} and I don't understand why I didn't receive any notice before and it's unfair. I am poor, I don't have a job and I have tried to do everything possible and look for solutions but I don't understand why this letter charges me so much if I have filled out the Fafsa and been on time.
12/31/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80023	Web
I have paid this account in full as I thought it would resolve the issue of it reporting on my credit. I looked into this account further and found out that this is not even my account and I tried disputing it but the credit bureaus never even looked into it. There was no dispute verbiage ever placed on my credit report. I want this collection disputed as this collection does NOT belong to me.
07/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85306	Web
I do not know why this debt is on my credit report. The balance is XXXX, the debt is XXXX, yet it is listed in collections. National Credit Management account XXXX Original Creditor XXXX XXXX University XXXX Date XX/XX/2015 Balance - Debt- Contact Information XXXX XXXX XXXX XXXX XXXX Mo XXXX I was never contacted for this debt and do not know what it is for.
02/08/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	SC 29745	Web
National Collection Systems , INC or National Credit Management is operating with out a state license or registration in South Carolina according to the NMLS consumer access report. They have added two collections on my credit report and I would like them removed for this illegal tactic they're doing. How many others are subjected to this and don't know.
07/29/2023	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 91006	Web	Servicemember
I received initial communication from National Credit Management on XX/XX/2023, regarding an alleged debt owed to XXXX XXXX XXXX in the amount of {$15000.00}. I disputed the alleged debt in a written letter, sent via certified mail, on XX/XX/2023. National Credit Management failed to provide a debt validation letter within XXXX days of initial contact.
06/21/2019	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 75232	Web
The CFPB investigated my complaint against National Credit Management. I asked National Credit Management to provide me with documentation that contains my signature solidifying the agreement between me, XXXX XXXX, and National Credit Management stating this debt would be repaid. National Credit Management has failed to provide this documentation.
07/23/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	LA 70808	Web
Company reached out to me in XX/XX/XXXXduring the pandemic. I told them I was not working due to covid -19. I received a negative mark on my credit report. The company has been calling me repeatedly and told me they were not going to stop calling until I set up a payment amount. I told the agent I was not working and I did not have any income.
11/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	AZ 85259	Web
Debt collector, National Credit Management has been calling me multiple times a week when I asked for them not to call me. They have also called my boyfriend while he was at work when I asked them to remove his phone number. I found out today they called my parents cell phone. They are harassing me and now they are harassing my family.
07/24/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 90272	Web
Multiple attempts were made to receive information about the debt, including what it was for, associated fees, dates etc. such requests were all made within 30 days of receiving notice. 10 business days later I was contacted by an agent trying to collect the debt, with no responses made to previous requests for information.
07/11/2019	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted your employer	TX 77494	Web
National Credit Management called my place of business, spouse and family members stating I had already spoken to him XXXX XXXX at XXXX ext XXXX, after I had already made arrangements with the debtor to pay the balance. The date has not passed but he continues to call these places after I told him this information.
03/10/2022	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60619	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
08/30/2021	Yes	Debt collection Credit card debt	Attempts to collect debt not owed Debt was result of identity theft	TN 37128	Web
No information given regarding account. Violates federal 15 USC 1692gf also no medical release given and eligible to collect on debt per Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting
01/09/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 926XX	Web
XXXX XXXX I checked my credit score which is always near perfect, and I noticed it dropped and it said I had an unpaid bill for {$960.00} from XXXX XXXX XXXX XXXX and it was sent to debt collections National Credit Management. I have never heard of XXXX XXXX XXXX XXXX, nor is this my bill.
06/23/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30224	Web	Servicemember
I have not had any personal, mobile, written or otherwise interactions with this company. I feel that my consumer rights have been violated and so has my privacy. My personal information has been flagrantly handled and somehow ended up with this company. I do not own or owe this debt.
07/23/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 78572	Web
I tried repeatedly to consult them for proof of Debt but they never send me an E-Mail or letter stating amount owed. I've spoken to them multiple times. I will not pay something without proof of records. I have been requesting for proof of Debt for the past year now.
05/08/2023	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	TX 76244	Web
I have never received any documentation regarding this debt, however, i have attempted multiple times to remove this charge from credit report. In fairness, i need to be notify with the accurate information and contact of who i need to reach to discuss the charges.
06/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	PA 15205	Web
My collections agencies refuse to send paperwork nor negotiate anything with me. I started to pay my debt just recently they refuse to make my credit report in good standing. I have n't received any mail about this debt either. The account balance is wrong also.
10/19/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MO 65804	Web
Missouri State did not send notification the debt was going into collection. No information was sent to me by the debt collector that they were now collecting the debt. I only knew about them when I checked my XXXX XXXX score and it dropped over XXXX points0
04/20/2021	Yes	Student loan Federal student loan servicing	Incorrect information on your report Account status incorrect	NC 28607	Web
The company and or scamming is called National Credit Management. Website does not look official and I called them, and all aspects seem very suspect. Consistent calls with no identification of who is calling. My student loans are serviced through XXXX.
03/19/2023	Yes	Student loan Federal student loan servicing	Dealing with your lender or servicer Don't agree with the fees charged	CO 80129	Web
I got sent a letter just now saying I owe money I never got into classes to get charged I dropped any classes that were originally sign up for I never took any courses I WILL not pay for somthing I never took. PLEASE remove this debt.it is not mine.
04/11/2016	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Contacted employer after asked not to	CO 80249	Web
The company National Credit Management ( Rep. XXXX XXXX ) has contacted my place of employment multiple times when being told by my employer that I can not take phone calls unless important, as well as been told by myself to not contact me at work.
09/13/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	FL 33025	Web
I have contacted this company by mail several times and have attached all letters below to show all proof of what I am asking for and nothing has been to me. Letters were sent on XX/XX/2022, XX/XX/2022, and XX/XX/2022.
02/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 78108	Web
I requested validation of the debt and the original contract possessing my signature. I received documentation of a breakdown of the charges owed but not the original contract of the debt containing my signature.
03/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	AZ 85281	Web
XXXX of National Credit Management told my father about my debt and accepted payment without my consent. I am not and was not a minor at the time. XXXX XXXX XXXX National Credit Management XXXX XXXX, MO XXXX
08/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 42701	Web
Ive contacted the company numerous times pertaining to a collection thats reporting on my credit report. Ive requested that they send documentation validating the debt that is owed and theyve failed to do so.
05/19/2019	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	CO 801XX	Web
Sent a registered letter to the company years ago, telling them, as per Colorado state law, that any further communication with me is to be made via mail. Now they are calling and e-mailing me again.
04/17/2015	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	NY 119XX	Web
Debt collection company was issued a validation of debt notice which was received XXXX XXXX 2015. They have posted the debt on my credit score after being told not to until validation was made.
06/22/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	IN 46237	Web
018. National Credit Managemnt National Credit has not removed there collection from my report since the amount is {$0.00} payment. They refuse to do anything with this item on my report.
04/14/2017	Yes	Debt collection I do not know	Disclosure verification of debt Right to dispute notice not received	MO 63135	Web
I do not have any type of contract with this 3rd party collector. Please remove this collector from all XXXX of key credit reports as reporting is not allowed since there is no contract.
10/26/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 294XX	Web	Servicemember
This is not my debt. I have no signed contract with National Credit Management. I have never done business with this company, and therefore am not obligated to pay on this debt.
10/07/2019	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	NJ XXXXX	Web
Called my father in-law and falsely stated that I used him as a reference, which I have never done in my life. Called my employer and harasses me constantly.
02/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	NY 13045	Web
A check was received by the company on XX/XX/XXXX and it still shows as not paid on my report. The company hasn't responded to me I paid the balance in full.
01/26/2016	Yes	Credit reporting	Incorrect information on credit report Account status	IN 471XX	Web
Account is settled and I would like it moved from closed collections to removed collections. the collection company is National credit management.
02/02/2024	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	TX 79928	Web
creditor claimed negative marks on credit report and that the account was considered late when no payments or contact was ever made.
09/08/2023	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 33612	Web
Hello I have XXXX credit reporting agencies trying to collect on a said XXXX XXXX XXXX and they are misrepresenting the facts.
02/22/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	GA 303XX	Web
Again, this is evidently a company I did not have a contractual relationship with. How are they claiming I owe them a debt?
08/24/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MI 48126	Web
XX/XX/2021 {$2400.00} I called to verify and tehy asked for {$1000.00} more than what was owed National Credit management
11/14/2016	Yes	Debt collection Federal student loan	Improper contact or sharing of info Contacted employer after asked not to	MI 48390	Web
CALLED EMPLOYER AND TOLD THAT I OWED BAD DEBT TO THEM AND THAT THEY WOULD CALL BACK LATER WHEN I WAS BACK IN THE OFFICE.
11/23/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	NY 10011	Web
national credit management dinged my credit for a fee from XXXXXXXX XXXX XXXX XXXX for like XXXX. this was not me.
03/23/2019	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt is not yours	GA 31210	Web
i was XXXX at the time of this school being attended there is nothing to do with me and XXXX XXXX XXXX XXXX
02/03/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted employer after asked not to	CO 802XX	Web
I have requested this company to no longer call my place of employment and they are continuing to do so.
05/22/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33612	Web
This company has a collection on my credit report that's not mine and they refuse to delete or remove
05/21/2021	Yes	Debt collection Private student loan debt	Communication tactics Frequent or repeated calls	VA 238XX	Web
XX/XX/XXXX{$1500.00} Constant phone calls asking for personal information about a account.
05/13/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Information is incorrect	CA 94587	Web
Incorrect information on your report
02/08/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MS 39056	Web

01/29/2024	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	KS 67401	Web

01/19/2024	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Contacted your employer	MI 48823	Web	Servicemember

01/02/2024	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	IN 46514	Web	Servicemember

12/22/2023	Yes	Student loan Federal student loan servicing	Struggling to repay your loan Problem with forgiveness, cancellation, or discharge	SC 290XX	Web

12/15/2023	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 77077	Web

11/13/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 20794	Web

10/31/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80128	Web

10/20/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	CA 92677	Web

10/19/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	FL 33141	Referral	Older American

10/16/2023	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	CO 81303	Web

08/30/2023	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was result of identity theft	AZ 85029	Phone

08/26/2023	Yes	Student loan Private student loan	Dealing with your lender or servicer Problem with customer service	IA 50266	Web

08/11/2023	Yes	Debt collection Federal student loan debt	Communication tactics Frequent or repeated calls	AZ 85225	Web

07/30/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MN 55104	Web

07/07/2023	Yes	Debt collection Private student loan debt	Attempts to collect debt not owed Debt was result of identity theft	VA 23234	Web

07/03/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75056	Web

04/23/2023	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	TX 75024	Web

04/15/2023	Yes	Debt collection Federal student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MO 63129	Web

03/04/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 32960	Web

01/11/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29150	Web

12/17/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 94578	Web

10/17/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive notice of right to dispute	IL 60649	Web

09/08/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29407	Web	Servicemember

08/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	AZ 85009	Web

07/29/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	NY 12866	Web

07/21/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94518	Phone

07/15/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	NY 13203	Web

06/28/2022	Yes	Student loan Private student loan	Getting a loan Fraudulent loan	TX 75254	Web

06/16/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48317	Web

05/30/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Old information reappears or never goes away	TX 78148	Web

05/18/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 92551	Phone

05/09/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	SC 29204	Phone

04/15/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	CA 91342	Web

04/14/2022	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	DE 19805	Web

03/18/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	OH 44221	Web

03/06/2022	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	FL 32805	Web

01/14/2022	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	AZ 85016	Web	Servicemember

01/03/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 78681	Web

12/19/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	KY 40216	Web

11/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information is missing that should be on the report	GA 30096	Web

11/20/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	GA 30305	Web

11/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60605	Web

09/29/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	KS 67226	Web

07/16/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	SC 29745	Web

07/15/2021	Yes	Debt collection I do not know	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	TX 75219	Web

07/14/2021	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 78747	Web

06/24/2021	Yes	Debt collection Credit card debt	Written notification about debt Didn't receive enough information to verify debt	OH 44212	Web

06/10/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75235	Web

05/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	AZ 85260	Web

05/13/2021	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	IL 60615	Web

04/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CO 80247	Web

04/17/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MT 59875	Web

04/02/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 90503	Web

03/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08110	Web

02/16/2021	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	CO 80228	Web

01/27/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	GA 31907	Web

11/03/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77450	Web

10/12/2020	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	KY 40517	Web	Servicemember

09/14/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	KY 40517	Web	Servicemember

06/12/2020	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	OK 73036	Web

05/15/2020	Yes	Debt collection Federal student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	OR 97233	Web

05/08/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MI 48083	Web

05/08/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MI 48912	Web

04/22/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	CA 94587	Web

04/01/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 10014	Fax

03/28/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Investigation took more than 30 days	MO 64117	Web

02/11/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	FL 33614	Web

12/16/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 91913	Web

10/17/2019	Yes	Debt collection Federal student loan debt	Attempts to collect debt not owed Debt was paid	MI 48189	Web

09/10/2019	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive notice of right to dispute	MO 64015	Web

03/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 75070	Web

01/23/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	KY 40502	Web

01/17/2019	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive notice of right to dispute	KS 66062	Web

12/23/2018	Yes	Debt collection Federal student loan debt	False statements or representation Attempted to collect wrong amount	TX 78741	Web

12/04/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MO 631XX	Web

06/20/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 11210	Web

06/17/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 33710	Web

06/02/2018	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	IN 46323	Web

05/29/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Problem with a credit reporting company's investigation into an existing problem Their investigation did not fix an error on your report	GA 30135	Web	Servicemember

05/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 17055	Web

05/16/2018	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Contacted your employer	TX 76542	Web

04/25/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 90036	Web

04/20/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NY 10039	Web

03/20/2018	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	OR 97058	Web	Older American, Servicemember

03/14/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account information incorrect	IL 60419	Web

03/09/2018	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	KS 67026	Web

02/28/2018	Yes	Debt collection Private student loan debt	Written notification about debt Didn't receive enough information to verify debt	NC 27856	Web

01/27/2018	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	IL 61455	Web

12/09/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	FL 32738	Web

12/08/2017	Yes	Debt collection Private student loan debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	IL 60652	Web

11/09/2017	Yes	Debt collection Federal student loan debt	Written notification about debt Didn't receive enough information to verify debt	AZ 85207	Web

11/09/2017	Yes	Debt collection Private student loan debt	Communication tactics You told them to stop contacting you, but they keep trying	MO 65401	Web

11/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 62526	Web

09/29/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	NJ 07102	Web

07/19/2017	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Account status incorrect	TX 78704	Web

06/15/2017	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Contacted you after you asked them to stop	MO 63116	Web

06/02/2017	Yes	Debt collection Private student loan debt	False statements or representation Attempted to collect wrong amount	IL 60154	Web

05/22/2017	Yes	Debt collection Private student loan debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MI 48033	Web

04/26/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77021	Web

04/26/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	TX 77581	Web

03/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	NE 68132	Web

03/25/2017	Yes	Credit reporting	Incorrect information on credit report Reinserted previously deleted info	TX 75287	Web

03/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	TX 76904	Web

03/12/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NH 03801	Web

01/30/2017	Yes	Student loan Non-federal student loan	Dealing with my lender or servicer Don't agree with fees charged	GA 30274	Web	Servicemember

01/13/2017	Yes	Student loan Federal student loan servicing	Dealing with my lender or servicer Don't agree with fees charged	CO 80246	Web

09/12/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	OK 73083	Postal mail

06/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	SC 29010	Web

01/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	IN 46058	Web

12/29/2015	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	NJ 07106	Phone

10/08/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	WA 98208	Web

08/17/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	GA 31501	Web	Servicemember

03/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted employer after asked not to	OH 43230	Web

03/12/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 90805	Web

11/03/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 34491	Web

09/25/2014	Yes	Debt collection Federal student loan	Cont'd attempts collect debt not owed Debt is not mine	MO 63128	Referral

09/17/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 92562	Web	Servicemember

07/22/2014	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	TX 78747	Web

06/23/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	MI 49512	Web

06/16/2014	Yes	Debt collection I do not know	Communication tactics Called after sent written cease of comm	WI 53590	Web

02/07/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	AZ 85080	Web

01/28/2014	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	AZ 86002	Web	Servicemember

01/07/2014	Yes	Debt collection Non-federal student loan	Improper contact or sharing of info Talked to a third party about my debt	TX 75181	Web

11/25/2013	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60171	Web