| 02/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This email was sent to XXXX XXXX XXXX XXXX and XXXX XXXX and National Credit Systems published email, supporting documents were attached XXXX XXXX XXXX ( XXXX ) XXXX XXXX Additional Email addresses used during time at XXXX : XXXX, XXXX XX/XX/XXXX XXXX- XXXX ( XXXX ) XXXX XXXX National Credit Services Account number XXXX To : National Credit Services and XXXX XXXX : This is an offer to settle the alleged debt reported by XXXX XXXX to National Credit Services . This is also a letter of intent to sue should you choose to turn down this offer. This offer will expire 10 days from the date you receive this letter. This offer is not governed under Texas Rules of Civil Procedure Rule 167 nor Chapter 42 of the Texas Civil Practice and Remedies Code.
Summary : XXXX XXXX alleges that I owe about {$3300.00} for unpaid rent, clean up, and damages to XXXX XXXX when I lived there ending XX/XX/XXXX. I argue that I was overcharged for late fees and utilities during my lease, and most of the alleged damages were simply wear and tear, that the apartment was one of the last in the complex to be renovated, and the itemized list of damages were going to be replaced upon my move out regardless of the condition.
Argument : I do not owe the amount alleged. I have incurred damages from your errors. I have made attempts to negotiate the debt. Now I am offering you a final opportunity to settle before I file suit against you for damages that I have incurred because of this alleged debt being reflected on my credit history report.
Background : I lived at XXXX XXXX, XXXX XXXX, ( renamed XXXX XXXX ) managed by XXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. During the time I lived at XXXX I had no conflicts with management nor did they have conflicts with me. In fact, I completed three leases.
In an email dated XX/XX/XXXX, XXXX XXXX announced to residents that they would continue community construction and exterior painting ; this email expresses the importance of limiting disruption and stated this would continue until the new year ( XXXX ).
On XX/XX/XXXX, after several intrusions to assess needed improvements inside my apartment that did not require any follow up maintenance, I made a demand to know why they were doing yet another inspection inside my apartment and that I would prefer they not do another inspection. I stated I was aware of the complexes continued plan of remodeling and upgrading the community. XXXX XXXX ( XXXX XXXX ) replied and explained to me that a group of investors are looking to make capital improvements in the upcoming year [ inside the apartments ] To that I confirmed my apartment had yet to be renovated and offered to move apartments temporarily or permanently to another unit so that my apartment could be scheduled renovation. XXXX XXXX did not respond.
At the end of my final lease, in XX/XX/XXXX, due to XXXX XXXX, I needed to move out in an expedited manner. I submitted to XXXX XXXX the police report that showed proof of the Protective Order I had against my then husband. XXXX XXXX refused to accept my documentation, demanded instead that I give them a 60 day notice, and they proceeded to evict me for non-payment of rent.
In XXXX, my account was paid in full by XX/XX/XXXX. In XXXX, XXXX also charged me an additional {$600.00} for the MTM rate, {$300.00} for XXXX and {$300.00} for XXXX because they wanted me to pay the MTM rate for XXXX even though my account read paid in full as of XX/XX/XXXX.
XX/XX/XXXX. XXXX XXXX took me to eviction court, Case No. XXXX on XX/XX/XXXX, in which the eviction was not granted but the balance of rent for a 30-day notice ( XXXX ) was granted to XXXX XXXX, plus court costs of XXXX for a total of {$1000.00}. Due to the extreme emotional and physical conflict I endured during that period in my life, I lost my residence and all methods of supporting myself. I knew I owed {$1000.00} and had every intention to pay {$1000.00} to XXXX at the first opportunity. When I was ready to settle my debt with XXXX XXXX, I learned that the alleged debt was now over {$3300.00}, three times the amount I was prepared to pay.
During the years to follow until fall XXXX I have been suffered adverse responses, prejudice, and hefty financial investment to maintain a place for my family to live. I have been working for the past year on improving my situation, this past fall I reached out to National Credit Systems, whom originally listed the debt over {$3300.00} dollars.
My initial response was to reach out to the on-site manager at XXXX, in XXXX of XXXX. XXXX refused adjust my charges but they did provide to me an accounting of the alleged damages that I had never received before, listing damages on appliances that were scheduled to be updated and replaced regardless of its condition upon my move out. It also listed replacements that were not needed. It also double charged me for trash removal to which there was little.
I challenged the debt under FDCPA with National Credit Systems and XXXX XXXX in a detailed manner ( email correspondence presented to Corporate XXXX XXXX XXXX XXXX XXXX and XXXX XXXX as well as the on-site XXXX XXXX XXXX ).
National wrote back stating nothing was wrong and all information was proven. It took over a month to get ahold of a member of management at XXXX XXXX ( XXXX ) to discuss the charges, billing, and settlement options. During a phone call on XX/XX/XXXX with XXXX, I confirmed the evidence package was received. We went over the case and the issues with charges. I requested help to finish this issue.
During accounting, XXXX determined fees and damages to amount to an estimated total of {$1000.00}. XXXX confirmed to me that the account was charged off ( tax write off ) and that he would return my call/email by Friday that week ( XX/XX/XXXX ) to find a solution. I continued to phone and message XXXX every couple of days until XX/XX/XXXX. I emailed the same information to XXXX XXXX.
On XX/XX/XXXX National Credit Services called and offered me a {$1600.00} settlement, when I asked to prove the damages and charges with pictures, the representative said she would email me and follow up with the evidence to include pictures to support the charges above the afore mentioned amount. I have not heard from them since.
Not only that but last year, when I settled my debt with the XXXX XXXX XXXX XXXX, I learned that Management did not change the power into their name and instead used my account for an extended period after I moved, running up my bill {$500.00}. When I had mentioned this to XXXX XXXX while on a phone call, I was told that it was my responsibility to turn off the electric once I had moved. However, I had to show proof that I had turned the electricity on in my name prior to being given possession of the unit, which would stand to reason, they had the responsibility to change it to their name once I surrendered possession back to them.
Claim 1 : Theft of Service Under Texas Penal Code 31.04 ( a ) ( 2 ) - ( a ) A person commits theft of service if, with intent to avoid payment for service that the actor knows is provided only for compensation : ( 2 ) having control over the disposition of services of another to which the actor is not entitled, the actor intentionally or knowingly diverts the others services to the actors own benefit or to the benefit of another not entitled to the service Breach XXXX XXXX allowed the utilities to be used under my name and account until XX/XX/XXXX running up a bill close to 500 dollars in all, this is with the City of XXXX, under XXXX XXXX for the above-mentioned address. Per Court Order of Possession dated XX/XX/XXXX XXXX XXXX is granted possession and therefore utilities should be under their business account as of that date or as close to that date as possible.
Result- This continued charge led to a higher payment and deposit requirement during the years to follow XXXX XXXX
Claim 2 Fair Credit Reporting Act In reference to Section 623 ( a ) of the FCRA describes the duties of furnishers to provide accurate information to credit reporting agencies ( CRAs ) Section 623 ( a ) ( 1 ) ( B ) prohibits furnishers from providing information relating to a consumer to any CFA if ( I ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is in face inaccurate.
Breach- XXXX ( XXXX ) and National Credit XXXX continue to report an inaccurate status and an erroneous amount of debt owed. Neither party supplied upon my demand any evidence to support an investigation, all documents ( except the itemized accounting of the damages ) and information discussed in this document are my own. The credit account does not reflect any escalation or activity to support the accounting or status.
Results- Various Property management companies deny my application due to eviction status, which is not empirically stated on my credit report. This is excess hidden information that causes personal and financial harm when applying to other properties in denial of my application or demand for extra deposits and humiliation at being considered high risk.
Claim 3 : In reference to Section 623 ( b ) ( 1 ) requires furnishers of information to CRAs to investigate when the furnisher receives notice of dispute from a CRA in accordance with the provisions of Section 611 ( a ) ( 2 ) FCRA, 15 U.S.C. 1681i ( a ) ( 2 ) and to report the results of the investigation to the CRA.
Breach- XXXX XXXX response is simply after further review the balance due will remain the same. feel free to share with National. National didnt conduct any investigation into the nature of the charges following this email. However, the email does not contain any proof or any investigations, computations, analysis or even a directed rebuttal to any of my claims. National Credit Systems response is similar. No further course of action or recommendation was given by National or XXXX XXXX located at the property. I sought out XXXX leadership on my own. National Credit services stated XXXX XXXX stated the charges are correct, no investigation took place. The representative stated we have pictures and statements from XXXX. To date, no referenced evidence or data has been provided.
Results- This failure to conduct a fair and honest investigation into charges and history of account has caused emotional stress and undue financial hardships. This causes a reduction of my credit score and numerous increases on insurance, housing deposits and restrictions on choices of residence.
Claim 4 : Under the National Consumer Assistance Plan ( XX/XX/XXXX to XX/XX/XXXX ) Civil Judgements are considered court debts and are no longer included consumer credit reports.
Breach- XXXX XXXX and National report the cause of debt as unpaid balance. XXXX and National are falsely reporting the debt source to ensure it stays on my credit report in an act to cause harm willfully and deliberately.
Result- Failure to follow the Rules of Civil Judgements has caused emotional stress and undue financial hardships. This causes a reduction of my credit score and numerous increases on insurance, housing deposits and restrictions on choices of residence.
Conclusion : Calculating the increased costs of living can only be deduced by taking the hotel bills I incurred between leases and subtracting reasonable costs for rent, plus the high deposit I was required once I found an apartment willing to rent to me, plus the cost of application fees at apartments I was denied due to the wrongful eviction reported on my record, plus the other inconveniences and embarrassments I endured when being denied credit cards since then, plus the emotional angst that is ongoing from this ordeal, it would be of no surprise when the courts rule in my favor should I have to file suit against you.
However, I am weary and I just want to feel whole again. I am offering you an opportunity to balance my account to XXXX, remove the eviction and the alleged debt with the credit bureaus ( one has already done so in fact ), and file my account as closed in good standing. Should you decide to ignore my plea once again, I plan to file suit against you for all the damages I have incurred, plus attorneys fees, minus only the judgment from the eviction trial. I will ask the court to award punitive damages as I feel I can easily prove that XXXX XXXX is predatory and I will find others who have been victimized by XXXX to stand as witness or even as a co-Plaintiff against you. This offer will expire ten days from the date received by you.
During the numerous correspondence between the parties involved I have only sought to find an equitable solution based upon the overall situation and possible future outcomes of this account. During conversations with XXXX ( XXXX ), I express a true desire to place this horrible period behind me a move forward. I am requesting an immediate settlement to included a letter of paid in full and my account to be closed in good standing. Thank you.
XXXX XXXX XXXX
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| 05/15/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The following is a list of events that have occurred with National Credit Systems Inc. between XX/XX/XXXX and XX/XX/XXXX. Recordings of conversations, pictures, and other documentation are available to you to support our statements. If you need any of this information in order to further assist with this case, we would be more than happy to provide it.
National Credit Systems ( NCS ) contacted us ( two roommates ) on XX/XX/XXXX in an attempt to collect a debt of {$880.00} on behalf of XXXX XXXX at XXXX XXXX. This debt is in regards to claims of unpaid services and damages that XXXX XXXX is alleging we owe. {$97.00} of this debt is legitimate and we paid this on XX/XX/XXXX. The majority of the claimed debt has been fabricated by XXXX XXXX. Our case representative told us if we do not pay this owed debt that it would be reported to the three major credit agencies. When asked how long we have until it would be reported, he indicated that it may be on the XXXX of XXXX ( 3 days later ). Additionally, our representative told us that XXXX XXXX claimed that we were not present during the move-out inspection and that we had not provided a forwarding address, both of which are untrue. He then informed us we will be sent an email with information on how we may submit documents to dispute the claims against us.
That same day we called NCS back attempting to get information on receiving a Debt Validation letter in order to see the exact charges and how to dispute the debt. Our case representative stated that he does not review the evidence since that was the role of the client services department and they would email us at an undisclosed time. We were then transferred to the operations manager : the case representatives supervisor, he was unavailable so we left him our contact information. Additionally we attempted to email NCS on XX/XX/XXXX to request a debt validation letter, but their email address inbox was full.
On XX/XX/XXXX, we called our case representative to get information on the Debt Validation letter as well as how to dispute the debt since we had not received any contact from him, his supervisor, or the Client Services department. He stated again that we would receive an email from their client services department on how to dispute the debt, and how to provide them relevant documentation. He gave us the mailing address of a P.O. box, but when we asked to get a valid email for us to provide our documentation he began interrupting us and over forty seconds wouldn't let us speak until we hung up.
We called NCS again on XX/XX/XXXX and were transferred to a different account representative who we informed we still have not received any information on how to go about disputing the debt. We were informed that our account was officially marked as disputed and that she would send us to the department that deals with the dispute process. She said that our representative should have already requested for this department to contact us, and that we should hear from them before the end of the week, we did not.
On XX/XX/XXXX, we printed the evidence and documentation we would provide to NCS to dispute the alleged charges. The evidence included a highlighted section of our lease showing the pet fee of ( {$300.00} ) was not owed, and our move-in checklist showing a broken blind and dirty carpets we were charged ( {$25.00} ) and ( {$160.00} ) for respectively. Additionally we provided the move-out statement signed by us and a XXXX XXXX staff member on XX/XX/XXXX proving that we were present during the move-out inspection and what our forwarding address would be. Also, we did not dump bulk items in the trash compactor ( {$150.00} XXXX ; XXXX XXXX accuses us of doing so since they found a box in the recycling with one of our names on it, which is circumstantial evidence at best. We wrote three pages outlining why the charges were invalid and the burden of proof should not be on us. XXXX XXXX also failed to apply our security deposit of XXXX {$150.00} XXXX to this balance ; we provided NCS with a document proving we paid this security deposit upon moving in in XX/XX/XXXX. We then mailed the letter and documentation to the P.O. box provided to us by our case representative along with the aforementioned documents.
On XX/XX/XXXX, we called our case representative again and were informed that our dispute letter was received and that insufficient/no evidence was provided to them in the letter. They also stated that our dispute information and evidence was sent to XXXX XXXX on XX/XX/XXXX and they were waiting to hear back. During the call with our case representative, we asked specifically who investigates the evidence for the account since we wished to discuss the evidence with them. He did not answer our question, and said we did not provide sufficient evidence. He proceeded to change the subject by reiterating the consequences of not paying the balance owed, but does not provide any information about how and when this will be reported. We asked to speak uninterrupted and asked again about who actually investigates the evidence and how the decision was made that we provided insufficient evidence. He interrupts us, does not answer the question, and changes the subject. We ask a third time, who is reviewing the evidence and if we can speak with them to see how these decisions were made. He interrupted us again and transferred us to his supervisor without our consent. His supervisor was not there, so we left another message requesting information on who reviews the evidence and how they determine if a debt is actually owed. We stated this was the third time we have attempted to contact him specifically and still not received any response.
At this point ( XX/XX/XXXX ) we attempted to pay the portion of the debt that was rightfully owed, {$97.00} for utilities and damages/wear & tear to the apartment that was not notated on our move-in checklist. The NCS website asks for two of three fields in order to log into our account : the account number, the total debt owed, or a social security number. We attempted to log in twice with valid information and were then locked out of the account due to incorrect information.
On XX/XX/XXXX, we called NCS since we had not received a phone call from them since XX/XX/XXXX. We connected with our case representative again and we requested an update on our account. We mention that we still have not heard back from his supervisor who we have left several messages for. After asking again, if we can talk to the investigator, he told us that he can not tell us who to talk to at this time. Additionally he states that our account has been marked as do not call, related to COVID-19. We explicitly stated that we want NCS to contact us. The case representative then states that we have 90 days from XX/XX/XXXX, before the account is reported on our credit. This was the first time we had heard this from him, even though we had requested this information multiple times.
He continues by stating XXXX XXXX has already reported us to the Rental History Bureau and if the account is settled, they would ensure that the report was removed. We expressed that we have attempted to pay {$97.00} of the debt, but the NCS website did not allow us access to the account. He tried to walk us through accessing the site, but we still could not access our account. He gives us the option to pay the amount of ( {$97.00} ) over the phone, I pay the amount and get a confirmation number. We ask again why NCS is not allowed to call us and that can be changed, since we would like to stay as updated as possible. He offers to transfer us to his supervisor 's voicemail as we remind him that this is now the fourth time we have left him a message with no response. He doesnt give us any reason as to why we arent being contacted by his supervisor and transfers us to leave yet another message.
Our last call with NCS was on XX/XX/XXXX, when our case representative called us asking if we were ready to pay the remainder of what we owe. This indicates that he forgot about our dispute of the charges due to a lack of competency or that he was attempting to pressure us into paying the debt. He then informs us that XXXX XXXX had responded to our dispute as of XX/XX/XXXX, and that they provided pictures of all relevant damages and restated that the debt is valid.
When asked specifically what was provided that proved the validity of the debt he put us on hold before he told us an email was sent with all of the relevant evidence XXXX XXXX provided. We still have not received this email.
At this point in the conversation he began monologuing about how to pay the remainder of the debt and without us being able to speak he put us on hold again. Once he returns we explain that we would like to review the evidence that XXXX XXXX provided while he is on the line. He said we could review it and call him back since he has two calls waiting. We reiterate that we would like to speak with the investigator handling our case. He tells us that we can not speak with the investigator but he will transfer us to his supervisor. We express our frustration about not receiving contact back from his supervisor, but he says there is nothing more he can do. We argue this is an unfair process if we are required to prove our innocence while not even being allowed to speak with the investigator handling our case. He says he is sorry we feel that way and hangs up.
Our case representative has made clear that he has no idea whether or not we legitimately owe this debt and that his job is to solely enforce the collection of this debt. He has not given us any information on how our dispute is handled and who handles it. Without this and the ability to speak with the investigator handling our case, we are not capable of fairly refuting the charges against us. We have contacted the Operations Manager for NCS a total of five times without speaking to him or receiving any contact back. NCS claims to have a fair process of collecting debt, but as we have clearly shown, it is anything but.
Finally, we would like to make you aware of our ongoing legal dispute with XXXX XXXX that we believe has bearing on this debt. In XXXX of XXXX, we were living at one of XXXX XXXX properties and we had begun to notice wet/moldy carpet in the basement area of the townhouse. We made several attempts to have XXXX XXXX address this with little to no attempt to remedy the situation on their part. In XXXX of XXXX groundwater flooded the basement and caused thousands of dollars in damages to our belongings. At this point, XXXX XXXX finally decided to take the matter seriously and began addressing the situation. In early XXXX they attempted to force us to move into another one of their townhomes three months before our lease ended without compensation for damages or moving expenses. We expressed our desires to be released from our contracts ; XXXX XXXX attempted to pressure us into signing an NDA and release of liability within a 24 hour period. After stating that we needed more time to review the legal document, XXXX XXXX charged us and threatened to evict us over an alleged pet and extra roommate. At this point the lease was terminated and we moved out on XX/XX/XXXX. Since then we have had a lawyer submit a demand letter to XXXX XXXX with compensation for damages related to groundwater flooding and confirmed toxic blackmold due to their gross negligence. XXXX XXXX refused to pay our demands and sent our alleged charges to NCS for collection. We believe XXXX XXXX has fabricated these charges in retaliation to our refusal to abide by their demands and to profit from us as much as they can.
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| 12/21/2021 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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( Co n't ) This is another proof they ( XXXX XXXX Apartments ) took advantage of our vulnerabilities and therefore can not garnish XXXX income. This is a predatory and frivolous claim. Based on this and the previous email, being head of household regarding this claim and as the sole financial income of our household we are requesting your agency to dismiss this claim. Also as you will see in the attached benefits statement letter ( which XXXX was aware of and we gave them a copy of a then current letter upon signing a lease ) is our current address in XXXX, MI. We have done nothing wrong and do not have anything to hide.
Regards, XXXX XXXX XXXX or email -- -- -- -- Original message -- -- -- -- From : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ( XXXX ) To : " National Credit Systems : XXXX '' XXXX Cc : XXXX Subject : RE : Account ID : XXXX Debt Investigated E-Mail To Whom it May Concern, We are disputing this claim based on predatory renting/leasing practices. 4 attachments ( XXXX XXXX XXXX lease and termination of lease, 3 pgs XXXX Police Department incident report and forwarded statement/complaint to the XXXX XXXX XXXX XXXX ) XXXX We also contacted other Discrimination/Fair Housing agencies after leaving XXXX in XXXX. There were only a few of such agencies who told us via phone " they were not the right agency, to call such and such agency '' which we did and emailed ( forwarded ) with no response despite them having/us giving them our then current cell phone number and email. With this being said we believe XXXX ( XXXX XXXX XXXX XXXX broke/violated their own lease in accordance with THEIR lease/policy ( attached ) 3. Apartment Lease Agreement 3.7 Crime Free Policy which mentions Drug and Gang activity ( reflect to XXXX PD incident report attached ). If whomever read our forwarded statement/complaint to the XXXX XXXX XXXX XXXX 1 . We were/are not from Arizona. 2. We were not aware of the environment/activity and signed a lease before we were showed the apartment. 3. We utilized the coordinated entry program through the XXXX XXXX ( qualifying under homeless and high risk vulnerability ).
We told a Housing Specialist " XXXX '' we were seeking safety and security. XXXX in return told us " that XXXX was a nice place and welcoming community ''. Also XXXX from XXXX and XXXX told us they worked together. We were approved the same day we applied for XXXX and were told we could move in the next day with a letter to pay from XXXX. XXXX advertised themselves and they told us " they were a second chance rental '' which we believe is predatory as they would let anyone live/move in there with no background check or anything. AFTER signing a lease and upon moving into XXXX Village Apartments a leasing agent XXXX XXXX told us directly " when you have any issues DO NOT call the police, call our security '' which come to find out they ( XXXX ) never had any security in the first place. We moved into XXXX XXXX Apartments XX/XX/XXXX and THEY released us from our lease very readily in XX/XX/XXXX. When we left the apartment and called the police XX/XX/XXXX a police Sgt told us " I do not think you were made aware of where you moved to being as it is the most dangerous neighborhood in XXXX and if you were my family I would tell to leave immediately ''. The following/next day we asked XXXX XXXX if they would release us from our lease ( which THEY agreed ) and had police escorts meet us at the complex/apartment so, we could retrieve our personal belongings. This was a studio apartment and XXXX XXXX is also trying to charge us {$500.00} for furniture and trash removal. After we left Arizona XXXX told us over the phone " they were not required to inform us of the gangs and drugs ''. A biracial girl that works in the front office at XXXX told us " corporate was aware of the holes in the perimeter fencing, drug activity and they were waiting to hear back ''.
Regards, XXXX XXXX -- -- -- -- Original message -- -- -- -- From : XXXX XXXX Date : XX/XX/XXXX XXXX AM ( XXXX ) To : XXXX Subject : XXXX : Re : [ XXXX ] Re : Fair Housing Complaint Sent from my XXXX -- -- -- -- Original message -- -- -- -- From : XXXX XXXX XXXXXXXX Date XXXX XX/XX/XXXX XXXX PM ( XXXX ) To : XXXX XXXX Cc : XXXX XXXX XXXX Subject XXXX XXXX XXXX [ XXXX ] Re : Fair Housing Complaint To : XXXX & XXXX XXXX XXXX : Fair Housing Complaint XXXX XXXX XXXX XXXX of XX/XX/XXXX with attachment as well as your follow-up email this morning with police report attachments. We have attempted to contact you and left messages both times providing the contact information for the XXXX XXXX XXXX XXXX who are better suited to address your concerns. Information can be found here : http : //swfhc.com/enforcement Enforcement XXXX XXXX XXXX XXXX XXXX offers full service fair housing services assisting clients with allegations of illegal housing discrimination by providing investigative assistance, counseling, mitigation of complaints, and referrals to resources across Arizona.
swfhc.com If you are unable to access the website information, please call them at ( XXXX ) XXXX for assistance.
XXXX has closed this complaint.
Sincerely, XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX Confidentiality Notice : This e-mail and any attachments are intended only for the use of those to whom it is addressed and may contain information that is confidential and prohibited from further disclosure under law. If you have received this e-mail in error, its review, use, retention and/or distribution is strictly prohibited. If you are not the intended recipient, please contact the sender by reply e-mail and destroy all copies of the original message and any attachments.
From : XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Subject : [ XXXX ] Re : Fair Housing Complaint To Whom it May Concern, Here is attached police report from XX/XX/XXXX to add to the complaint we filed XX/XX/XXXX in this reply. We also want to note in the lease with XXXX XXXX Apartments it states no gang members, affiliation and/or activity which we feel is another reason we were targeted/harassed. XXXX XXXX has yet to contact us about this matter and it has been over a month.
Regards, XXXX XXXX XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX -- -- -- -- Original message -- -- -- -- From : XXXX XXXX Date : XX/XX/XXXX XXXX XXXX ( XXXX ) To : XXXX Cc : XXXX XXXX Subject : Fair Housing Complaint To Whom it May Concern, My wife and I are an XXXX couple ( XXXX ). We are from the Midwest and moved into XXXX XXXXXXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX owned and operated by XXXX XXXX XX/XX/XXXX. We were not showed the apartment until after we signed a year lease. Upon moving in we were told by management a ( XXXX XXXX ) not to call the police, that they have their own security ( which turned out to be false ). We were not told about the drug problems or the neighborhood.
Our second night living at XXXX XXXX the downstairs neighbor directly under us was drinking, played loud rap music outside and made indirect gang insinuations towards XXXX. Every time XXXX went out the door to smoke or we left together the downstairs neighbors ( a XXXX man and XXXX female ) came out their door as if listening to us. The downstairs would come out and stare at us and speak to each other in a elevated tones, which we felt was very intrusive. A maintenance man did the same thing, yelling across the courtyard talking to someone else when he seen us outside. A family member who visited the next door neighbors behaved the same way.
One day a young XXXX man was in front of the downstairs neighbor apartment pacing and when we were going into our apartment looked up and gave us a nasty look. Later that day we had our puppy out to potty and this same individual followed and walked past us, fist clinched, walking directly towards XXXX as if he was going to physically accost him. After this the XXXX male downstairs would engage with/say something to us ( as if being cordial ) every time he seen us.
One night we had our puppy out and saw the male downstairs neighbor come from another apartment belligerent drunk, as we were going into our apartment looked up at us and said in slurred speech " XXXX my XXXX ''. A young XXXX female from the same apartment the downstairs neighbor came from drunk that night on another occasion walked past us when we had our puppy out with a nasty look on her face, walked very close to us to the point we had to move out of her way and she did not say excuse me. The final act towards us was XX/XX/XXXX when XXXX noticed a young XXXX male standing outside of our window smoking ( who we assumed was this same young XXXX female 's brother ). We feel all of these different people/groups were interconnected, targeting and trying to intimidate us motivated by us being a XXXX and XXXX XXXX couple.
That evening we left our apartment immediately. We drove to a nearby truck stop, tried contacting XXXX 's " security '' by phone and were told by a maintenance man they did not have security. We called and left messages with management, then we called the XXXX police department. In this conversation with the police officer he told us " they do not respond to these type of calls, it doesn't sound like we were told, but where we lived was the worst and most dangerous neighborhood in the city of XXXX and he would advise his own family to leave there immediately ''. We slept in our vehicle at the truck stop that night because we felt unsafe to go back to our apartment.
The next morning XX/XX/XXXX we called for a police escort ( which they did provide ) so we could get our personal belongings as we decided we were leaving the state all together. We simultaneously called XXXX XXXX apartments management to see if they would break our lease ( which they also agreed to/did that same day and we will attach a copy of in this email ). Upon us signing the early termination XXXX XXXX management told us we were responsible for providing copies of the police report to them. XXXX is trying to charge us {$1400.00} to break the lease and an additional {$550.00} furniture disposal, which would put us in an even more financial strain on top of the Pandemic, which was the reason we lived there in the first place. We called XXXX management told them this, they were trying to criminalize us, " told us they did not have to disclose anything us, the call was being recorded, they will see us in court '' and told us not to call back because we were upset and swearing. We also called the XXXX corporate office and left multiple messages to no avail or response. As we told XXXX XXXX apartments management and XXXX corporate we have every intention on contesting the fees they are trying to charge us for early lease termination and/or civil action because we feel they took advantage of our situation, us not being from XXXX and we are an XXXX couple.
P.S.- Upon request we can get copy of police reports from XX/XX/XXXX and XX/XX/XXXX.
To add : During our stay at XXXX XXXXXXXX XXXX from XX/XX/XXXX through XX/XX/XXXX management cut the water off nearly everyday.
Regards, XXXX XXXX XXXX
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| 11/19/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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National Credit Systems, is the company this complaint should go to. Address : XXXX XXXX XXXX XXXX XXXX GA, XXXX, Phone XXXX.
This a dispute regarding a debt I had never received information about and did not have a contact or lease with the listed original creditor named. I believe this is a fraudulent debt I was released from the lease signed with XXXX XXXX XXXX, they breached their lease contract with me. I have never signed a contract or documents with XXXX XXXX XXXX. I moved out in XX/XX/XXXX and never was contacted by XXXX XXXX XXXX again. I asked XXXX XXXX XXXX for compensation for my {$300.00} security deposit and the water damaged furniture, belongings and rug. I do have additional documents if needed.
XXXX XXXX XXXX XXXX, owe me money for flooding in the apartment, mold, harassment and discrimination by employees of women over the age of XXXX and breach of the lease. The CEO XXXX XXXX never responded to my messages AND they never once sent me any letters that I owed them money. It went directly to a collections agency without me knowing until I looked at my credit score ( was over XXXX ) dip by over XXXX points because of this invalid debt that I do not owe.
I have emails going back and forth for months. All documented. XXXX XXXX employees steal from residents, harass residents and the building is crime ridden with section 8 housing. XXXX people physically beat up in the elevator, women XXXX XXXX and verbally abused, cars spray painted in the supposed secure parking garage, physical threats to residents by employees all while paying my rent on time for over 1.5 years approximately {$2100.00} per month.
Please see below communications from XXXX XXXX which is meThe leasing office blocked my true personal email address to claim that they never received my complaints hence me having to use a different address.
**See photos below of flooding in my apartment with water cascading from the ceiling ruining my belongings, furniture whereby I had to move into a hotel with my dog because the apartment was trashed.
From : 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 Subject : Re : Notice to Vacate Document [ EXTERNAL ] Move out date- XXXX XXXX move out XXXX . XXXX, Please see revised notice to vacate document attached as explained below with a move out date of XX/XX/.
I am sending this document electronically due to your leasing office 's threatening behavior during my last visit to the office to explain the water flooding from my ceiling.
At this time dated on this message, I am still waiting on your response regarding the sum total of amount due upon my departure minus all of the items listed below.
As of today, I have paid rent up until XX/XX/.
Regards, XXXX XXXX On Monday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX . XXXX, Due to logistics in moving so quickly due to the flooding, my move out date will be the afternoon of XX/XX/XXXX.
Regards, XXXX XXXX On Monday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX, Please subtract from my balance last weeks rent whereby I was not allowed or able to live in this apartment due to flooding, industrial dehumidifier, industrial loud fans, etc during the day and night. Also deduct the cost of my rug that was trashed due to the dirty water flowing from the ceiling and my 2 bar chairs that were damaged. Also include the time and punitive damages incurred by your teams continued harassment.
I was told there will now be mold in the ceiling and this unit is not deemed healthy to occupy by any resident at this time today.
Regards, XXXX XXXX On Friday, XX/XX/XXXX at XXXX XXXX XXXX, XXXX XXXX XXXX wrote : XXXX XXXX XXXX, Please see my notice to vacate document attached. I just saw this attachment due to your property manager 's continued harassment, forcing me to use 2 e-mail addresses to communicate.
I am sending this document electronically because the last time I was in the XXXX leasing office on Wednesday, XX/XX/XXXX, I was verbally assaulted by your Assistant Property Manager - XXXX whereby she kept screaming at me to leave. I was speaking with XXXX about the flood in my apartment the night before when XXXX came over to me and stood above me while seated, yelling at me within inches of my face.
I gave notice to vacate on XX/XX/XXXX after 10 months of harassment and discrimination by your leasing office team members and concierge team. You have been on the e-mail streams during the past months and should be well aware of the facts.
I initially tried to vacate on XXXXXXXX but your team said the freight elevator was booked.
As explained in the many e-mails ( via my e-mail address XXXX ) in the past week, I am departing on Friday, XX/XX/XXXX at XXXX XXXX. I am paying rent up until XXXXXXXX in good faith although XXXX XXXX XXXX should " do the right thing '' and refund this month ( and/or the past few months ).
Prior to moving to this mismanaged building, I lived at the Residence across the street managed by XXXX. The team there was stellar and none of the residents had any problems at that property including myself.
Regards, XXXX XXXX On Friday, XX/XX/XXXX at XXXX XXXX EDT, XXXX XXXX XXXX wrote : I am moving out on Friday, XX/XX/XXXX at XXXX XXXX.
With regards to communications : You and your team have harassed me for months and breached your lease over and over again.
So I am requesting to never call me again or communicate except for my move out.
If there is any retaliation by you and continuing on this path of not enforcing noise issues after XXXX XXXX ( quiet hours according to the lease ) allowing anyone to play pool or shuffleboard, you again will be breaching lease terms.
XXXX XXXX On Friday, XX/XX/XXXX at XXXX XXXX EDT, XXXX XXXX XXXX XXXX wrote : Hello XXXX, Thank you for your email. I apologize as I am a bit confused in regards to some of the points in your email, and feel there may be some misunderstandings here.
In regards to your hotel, I see below where you have said you were at the XXXX, but then go on to say that you are staying in a room that is $ XXXX/night. Did you end up staying in another hotel elsewhere? We were in fact billed for the XXXX, and their rooms are quite more than $ XXXX/night so I am just wanting to better understand the situation here. In regards to the Pet Fee, when you and I had originally spoken and I had said that we would be paying for you to stay at the XXXX, you had asked me specifically what about your dog. To which I responded that I thought your dog was a service animal ( based on a previous conversation some time ago which you and I had had where you mentioned this to me ), and you confirmed at that time that your dog was a service animal. If your dog is a service animal, then I was under the impression that a pet fee should not have been charged. Later, when XXXX was in your apartment, he had asked me again what we would be paying for in regards to your stay at The XXXX. I called him back, with you present as I could hear you in the background and he confirmed that you were there and could hear me, and I stated that we would be paying for the room/taxes only. You would be responsible for any incidentals, room service, etc. Note, I do understand that XXXX did ultimately approve to have your pet fee added to our card.
In regards to your interactions with XXXX, please note that she does have witnesses in regards to her end of the conversation, and all parties have confirmed that she never cursed at you. She does acknowledge that she did raise her voice after you had called her disgusting, and for that I do apologize. No matter how anyone speaks to us, whether they are right or not, we do want to maintain our professionalism at all times and we have addressed this with her accordingly. With that being said, as had previously been discussed, it is not appropriate in any way to speak to any member of the XXXX XXXX team in a manner less than professional ( i.e. raised voice, insulting, threatening their employment, etc. ).
In regards to your move out, we have agreed to let you out of your lease early at no penalty, and without a full 30 day notice. We do need the attached move out forms completed in order to submit this. We will honor your move-out date of XX/XX/XXXX once we receive the attached forms back. However, we are not able to cancel someone else 's elevator reservation so that you can use the elevator during that time slot. Just like you, that person has taken the time to schedule their movers and book the elevator, and as reservations are completed on a first come, first served basis, we are not able to prioritize any one person over the other. On XX/XX/XXXX, we have the elevator available any time after XXXX XXXX. until XXXX XXXX ( with a hard stop at XXXX XXXX. ). Additionally, we currently have availability really anytime on the XXXX or XXXX from XXXX XXXX. to XXXX XXXX. ( again with a hard stop at XXXX XXXX ). Please let me know what time frame you have rescheduled with your movers so that we can get this reserved for you. Note, we can not stop someone else from booking those times while we wait to hear back from you on this so I do very much appreciate your immediate attention to this matter.
As you have made multiple comments to many members of our team in regards to a pending lawsuit, going forward, all future communication outside of regular day-to-day requests will need to go through our legal representatives.
Please let me know once you have confirmed an updated time with your movers, and I will be sure to get that reservation submitted for you.
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX | XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX XXXX XXXXXXXX | XXXX XXXXXXXX
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| 10/02/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Dear Sir/Madame : Every story has 2 sides. The following is our side of the story with timeline, evidence, and details. In a spirit of cooperations and mutual understanding, we will be happy to meet with you and your staff and resolve our differences.
We moved into XXXX XXXX XXXX ( XXXX XXXX ) at the Apartment Complex discussed in this complaint, on XX/XX/XXXX up to the end of XX/XX/XXXX. We experienced the following : Since our move in XX/XX/XXXX, we have reported the following issues in the old unit to the office staff, maintanence staff, and the Property Manager, on repeated basisp and our requests have been delayed or ignored : 1- A gap in the shower door in the master bedroom, which finally 3 months after the initial request was inspected by the " building crew '' who acknowledged that There has been an installation/construction DEFECT with the shower door. It was promised that the shower door needed to be entirely replaced, and it would take approximately 3 weeks. The problem still existed and not fixed as of our moving out date at the end of XXXX, XXXX. As a result, we were not able to take shower in the master bedroom at all. Further, there was a crack in the tub in the second shower which was reported during the first week of our move in XX/XX/XXXX.
2-The old apartment was not clean, at the time of move in. The air vents and the air filters were matted thick with dust, dirt, and debris. In spite of our efforts and our continuous complaints, no action was taken. Given our heath condition we had to clean them manually ourselves. Specially during the HOT temperatures in Florida during Spring and early summer with Heat Advisory the air conditioning broke 3 times in 2 weeks. Given our health condition, we had to spend most of our time during the day in public places and mall to preserve our health.
4-The first days moving into the old apartment, we noticed the carpets in both bedrooms needed cleaning. We requested the cleaning of the carpets. No action was taken, in spite of our continuous requests to your staff. Given our health condition, we had to purchase an expensive multi surface carpet and hardwood cleaner/steam machine via XXXX, and we ended up cleaning the carpets ourselves.
In addition, we noticed spots in the laminate floor that were damaged. There was also a piece on the counter on the living room side which we made note of check off list when moved in. Yet you are still charging us for the damage that was reported, before we even moved in!
XXXX we moved into the old apartment, we noticed the Oven was extremely dirty. Burnt XXXX food residue encrusted the inside of the oven. We reported this iaaue to the XXXX of the office staff, within XXXX hours of moving into the old apartment. Once again, no action was taken. Therefore, we had to clean the entire oven inside/out ourselves. Spending time and money out of our own pockets.
6-Window blinds needed to be replaced in the living room. This issue remained unresolved even until our move out in late XXXX. As a matter of fact, having talked to Management during the last month prior to our move out date, she was not aware of blinds. When asked about this issue, management replied " What Blinds? I do not know about any blinds!? '' We have informed the person in charge of maintenance the 2nd day of our move and at least 8 times throughout our stay at this property about this and many other issues needed to be fixed in our apartment at that time. The maintenance team, informed us that it was very difficult to get these blinds for our apartment, and that they were different size than the other apartments, and that he would have to get the blinds from XXXX, or XXXX XXXX. No further action was taken to fix or replace the blinds.
7-Having both being XXXX, and after consulting with our XXXX XXXX, and upon his recommendations and according to the guidelines and laws of Americans with XXXX XXXX, our main concern was the accessibility to Elevator in our building living on the 4th floor.
The Elevator in building 3, was not functioning for periods from a few hours on 2 occasions and up to 3-5 days in the other occasions. Please refer to the Email Sent to the management on XX/XX/XXXX. This was our first email complaining about the elevator. The malfunction of elevator in our building has caused me and my partner a lot of aggravation, and XXXX XXXX
Given our XXXX XXXX and continued malfunction of the elevator and the ongoing unresolved issues with our apartment, we suggested if we could move to a lower-level apartment.
The Property Manager asked us to expedite the move earlier due to the fact that current apartment we were living in, had a waiting list and therefore must be leased to a family quickly.
Further, the property manager stated that we needed to hurry and sign the lease for the future unit, the one we were supposed to move into, that we have not seen/visited the inside yet. We therefore signed the new apartment lease only the night before we were to move into the new unit, not having seen/looked inside the apartment, only trusting your company that the apartment was ready to move in.
Based on your verbal promises that the new apartment will be in a perfect clean and move-in ready condition by Wednesday XX/XX/XXXX and that we had to move out of the old unit by Sunday XX/XX/XXXX ( to prepare the old unit for the new tenant ), we started to pack our belongings in a very short notice, hoping that the new apartment will be ready for us to move in by XX/XX/XXXX.
Given the short notice and our limited physical mobility, my partner and I, started to pack our belongings and kept continuous checking with XXXX and the rest of the staff in the office to see if the new unit is ready to move in. The staff in the office were confused and did not know what was going on, and the Property Manager was off until Friday.
Unfortunately, in spite of the property masnagers verbal promises, the new apartment was never cleaned and not ready for us to move in. We continuously checked to see if the new unit was ready to move in. Over the XXXX continuous days ( Wednesday XX/XX/XXXX through Friday XX/XX/XXXX ), and even Saturday XX/XX/XXXX the air conditioning was not working ( XXXX readings ) and the apartment was never cleaned. We informed the Property Staff on Wednesday that the Apartment was not ready for us to move our belongings.
Further, we asked on a continuous and repeated basis from the property staff members and the maintenance team for the apartment A/C to be fixed on top of the fact the apartment was dirty. very similar to the older unit we had been living in, the air vents, countertops, kitchen appliances, fans, light fixtures were covered in a brown sticky residue.
Once again, on Friday XX/XX/XXXX, we checked to see if the New Unit was ready to transfer our belongings from Old Unit. We encountered the same condition : AC thermostat was reading 76-84 degrees over three consecutive nights, The shower door in the new unit, was not closing properly, shower walls, and glass seal were covered in mold and mildew, There were wasp nests, spider webs all over the patio and a bad smell inside the apartment, The Sprinklers outside that were supposed to water the plants, would soak the entire patio, There were burnt stuck-on residue left on the patio, which we could not even get cleaned, The front entrance of the apartment looked like that someone had tried to break in, and the wood frame where the lock was located had cracks, Noticing the damage to the front door lock, and knowing that the window was open in the bedroom, we did not feel Safe to move in, In spite our calls and walk ins to the office, no actions were taken to facilitate our move to the New Unit, and we were in the middle of no where knowing that we must vacate by XX/XX/XXXX. After the fourth day of our continuous efforts to resolve the issues in the new uni before moving in, we had no response from the management, and staff. Given our Health conditions, and our overwhelmed physical efforts, frustrations, and aggravations, to resolve these issues, we had no choice unless to find a reasonable accommodation somewhere else.
Further, based on your promises, we signed a lease for New Unit, with no show of apartment prior to moving in and were charged {$500.00} transfer fee.
In conclusion, our decision to move from The Current apartment cpmplex, was the result of unfulfilled promises, living conditions not suited according to ADA guidelines and Laws, and the forced decisions to run for survival.
All our claims in our communication ( above ) are supported with photos, conversations, emails, videos, and documentations.
We asked the Property Manager, to let us know if we can resolve this issue amicably. All we received 3 weeks later, was an email filled with false statements.
|
| 11/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Earlier this year- possibly XX/XX/XXXX ; National Credit Systems has placed a {$450.00} debt collection entry on my credit reports, without ever having followed the FDCPA and FCRA which required them to send me a notice of a collections effort on behalf of their client, XXXX XXXX XXXX, in XXXX XXXX Texas XXXX
Instead of following requirements for debt collection, National Credit Systems siXXXX parked the debts on all of my family members ' credit reports- even those who were not on the lease agreement, at the time of move out.
My daughter was the one who noticed that National Credit Systems had unfairly reported this debt on her credit reports, first. She was not even a party to the lease agreement, during the disputed debt time frame. Nonetheless, this was the first instance of realizing that National Credit Systems had violated our rights.
However, my daughter disputed this debt ( rightfully so ) through her credit monitoring provider. The negative entry was removed from all of her credit reports.
Nonetheless, this negative credit entry remains on my own credit reports as well as one of my son 's credit reports, illegally.
Shortly, after my daughter noticed this on her credit and successfully disputed this item- my son retained a XXXX XXXX to assist us, who assured us that they would reach out to National Credit Systems . However, in the process of retaining the XXXX XXXX ; National Credit Systems finally decided to mail my son a letter in XX/XX/XXXX, using language to the effect where it pretended to have sent my son a prior notice. Again, it was not until my daughter discovered the illegal practice of debt parking of this debt on her credit reports. She was blind-sided wholly by this harmful and illegal act. Had she even been written a collection letter with an opportunity to dispute ; she would have immediately contacted National Credit Systems to inform them that she was not a party to this debt and to remove this debt from all of her credit reports. But she was not provided that opportunity..
The thing about apartment debt collection practices is that usually not only the apartments know that past tenants need to apply for another apartment as shelter and housing are necessary and basic human needs but they also can name their price since many times, especially due to the financial and adverse impact of the pandemic on finances ; renters are placed in a tight spot of facing having to pay these debts just to proceed with getting approved or having to pay a hefty and additional rental deposit which was exactly what happened to me, this past XXXX when I went up to lease my next apartment.
In the process, I retained The XXXX XXXX XXXX which was a wasted effort because they flat out told me that they would not pursue legal action for debt parking committed by National Credit Systems, after I'd even provided them with a notarized Affidavit as part of the contract to retain their services, stating this fact- that I was never given an opportunity and nor were my family members- to learn of this debt before it appeared on our credit reports.
XXXX XXXX ( client of National Credit Systems ) owe me a {$300.00} deposit based on Texas Property Code which @ Section 92.103- it states : " The landlord shall refund a security deposit to the tenant on or before the XXXX day after the date the tenant surrenders the premises.
However, Section 92.107 provides an exception to this : The landlord is not obligated to return a tenant 's security deposit or give the tenant a written description of damages and charges until the tenant gives the landlord a written statement of the tenant 's forwarding address for the purpose of refunding the security deposit.
The same section states that even if the tenant does not provide a forwarding address to the landlord, the tenant does not give up their right to a refund. The tenant may still pursue legal action.
Remedies for Bad Faith Deductions If a tenant who paid a security deposit to a landlord believes that it is being withheld in bad faith, the tenant has a few options. If the tenant moved out and the security deposit or itemized list of deductions is not mailed to them within 30 days of moving out, they can sue. Section 92.109 allows the tenant to sue the landlord to recover three times the portion of the deposit wrongfully withheld plus other fees.
When less than {$20000.00} is involved, the tenant can sue by going to the local justice of the XXXX XXXX ( justice court ). These suits often do not involve attorneys. For more information on filing suit in justice court, please see our guide to Small Claims Cases.
Before a tenant files suit, the XXXX XXXX XXXX recommends sending a refund demand letter to the landlord. Both parties may also want to consider mediation before going to court. Taking those steps could lead to an resolution that does not require going to court. '' Thus, not only did I never receive my deposit or an itemization from XXXX XXXX, the client who National Credit Systems was hired by ; XXXX itself never sent me a debt collection notice. I had also provided the XXXXXXXX XXXX XXXX a copy of my signed Notice To Move Out which was signed by the assistant manager for XXXX XXXX attesting that I'd provided all forwarding contact information i.e. forwarding address, phone number and email address- only to get this surprised debt parked on all family members ' credit reports.
After this action ; National Credit Systems reached out to one of my sons with an old lease agreement and a form from its client, The XXXX citing an amount, that was not justified nor did it provide an accounting/ explanation for why the {$300.00} deposit was kept. it simply stated {$450.00} was owed for 'damages ' and clean up fees. This still was well past the 30 days that The Texas Property Code stipulates for when the deposit or an Itemized Statement stating why the deposit is less or kept in full- must be provided.
I moved out XX/XX/XXXX but again- experienced debt parking in XX/XX/XXXX. I had never received any communication from National Credit Systems, much less its client, The XXXX XXXX prior to hiring The XXXX XXXX XXXX, which only happened as a result of the debt parking committed by National Credit Systems in XX/XX/XXXX.
Upon National Credit Systems being contacted by The XXXXXXXX XXXX XXXX ; only then did send the last lease agreement that I signed in XXXX, which covered the lease term from XX/XX/XXXX through XX/XX/XXXX. After that lease expired ; I refused to sign a new lease and I went month to month, for the duration of XX/XX/XXXX until XX/XX/XXXX when i moved out..
I was wholly misled by The XXXX XXXX XXXX which simply was interested in either agreeing to settle this debt with National Credit Systems as I'd expressed I'd need to lease an apartment soon and the paralegals kept stating that it would be a time-consuming process attempting to get National Credit Systems to agree to remove this debt. They also expressed that they would not again pursue the debt parking violation and that I could retain a different law firm for that. Being that I was unemployed and job searching ; I could not afford to hire another, different attorney after I'd been misled. I was able to obtain a refund from The XXXX XXXX XXXX as I was not interested in settling this debt when I was still owed a deposit. I was interested in a lawsuit but given that The XXXXXXXX XXXX XXXX seemed interested in settling this debt ; I didn't feel confident to continue the relationship and I instead opted to file a complaint with this agency..
Not only that ; The XXXX later 'validated " the debt citing carpet damage- without first addressing my deposit, again required by the Texas Property Code, cited above. It also did not state the original cost of the replacement carpet to apply against the IRS requirement for multi-family units. I even sent these mandates to The XXXX XXXX XXXX only for them to not address or raise this as a dispute against the debt alleged.
|
| 06/19/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I have contacted the original creditor ( XXXX XXXX XXXX in XXXX, AZ whose management company was XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX ). I recently learned that the company was bought and sold to XXXX XXXX located at XXXX XXXX XXXX XXXX # XXXX, XXXX, AZ XXXX ) within the past year. XXXX XXXX XXXX located at ( XXXX XXXX XXXX XXXX, XXXX AZ XXXX ) was my residence from XXXX, I was denied a renewal on my lease even though I was a good resident. I vacated my apartment on XX/XX/XXXX. I had cleaned my apartment to the best of my abilities along with a friend/neighbor. My forwarding address was on file with the post office as of XX/XX/XXXX. I wasn't able to do a walk through when leaving due to my XXXX XXXX being in the hospital but I did take several pictures. My friend ' s husband did as well. A year later I get a letter from a collection agency that stated that XXXX XXXX was seeking over {$3700.00} for cosmetic damages, mainly nicotine damage. I cleaned the walls, appliances, windows, doors, etc. When I left it was cleaned. Being it was a year I never received a list of damages that would clearly state what was wrong and why it cost the amount in question. I sent a certified/registered letter to XXXX XXXX asking for proof of these damages. At the same time I sent a letter to the collection agency, NATIONAL CREDIT SERVICES, telling them I was in receipt of their letter and I needed time to gather the info I requested from XXXX XXXX. I asked for 30 days. Before the 30 days I received a letter from NATIONAL CREDIT SERVICES stating that since I have done nothing in regards to the debt they were going to place it on my credit report. XXXX XXXX never sent a list of DAMAGES. I called NATIONAL CREDIT SERVICES and spoke with a XXXX XXXX, case manager ( I think ). She was assigned to my file. She is the one who gave me info ( some ) that was on the list which is how I found out they were charging me for nicotine damage. She told me on XX/XX/XXXX that she had a list of damages and she would send it to me via email. This never happened. I followed up several times, unable to reach her. I had lived in that apartment for 7 years. It was slated for reno and the reno took place 2 days after I vacated. I was informed that I had to deal with the collection people and not the original creditor so most of my communications have been with them. I told her, all 3 credit bureaus and any/all persons involved that I was disputing the debt and if I didn't receive the info I requested that I wanted the debt deleted from my report. This has affected my credit and has caused many problems with obtaining the credit I need to help my son with his XXXX XXXX.
Since learning that the company was sold I sent a letter to the new management company and the apartment manager to let them know what happened and what my requests were. No response. I am not sure if they have assumed the debt when they purchased the property but I am going at this at all angles.
ORIGINAL COMPLAINT SENT TO NATIONAL CREDIT SYSTEMS VIA CFPB on XX/XX/XXXX.
I lived at an apartment complex from XXXX. I was a good tenant but I was informed my lease would not be renewed, therefore causing me to vacate at the end of the lease. ( Their reasons were personal ). I vacated on XX/XX/XXXX. A year goes by and I received a letter from a collection agency reflecting an amount of {$3700.00} for what they describe as damages along with a {$500.00} sure deposit in which they wanted to be paid back. I wrote the collection agency a letter asking them to allow me 30 days to respond and that I was going to obtain information from the original creditor, XXXX XXXX XXXX. I sent the apts a certified/registered letter on XX/XX/XXXX, requesting a itemized list of " damages ''. They never responded. During the 30 days a letter from the agency was received stating that the debt was placed on my credit report. I was angry. I contacted them right away, speaking to a XXXX XXXX, who informed me that she had a list, same list I was requesting, and she read off a few items. When I asked for a copy of this list she stated she would email me a copy. I waited, waited, and waited. Nothing. I made several follow up phone calls requesting same list and also receipts to reflect the list of damages that were ONLY " cosmetic '' not physical. I have also written several letters requesting same list and nearly 2 months later, no receipt. I had recorded the entire conversation. The items she mentioned ( partial ) were nicotine related. I did clean the best I could given the time limit I had. My apartment was slated for reno and according to neighbors it began 2 days after I vacated. Since I did not receive a list of damages from anyone, it was useless for me to dispute. She tried reducing the damages by I believe 25 % but until I saw a list of these damages I wasn't gon na pay anything at all. Especially a {$500.00} sure deposit that she claimed was not negotiable. I had excellent credit until they placed this debt on my report. I have disputed with all 3 credit bureaus, the collection agency. I am working feverishly to have this removed from my credit report. I am XXXX yr old with a XXXX year old XXXX son and with this on my report I am unable to move any time soon, as I had planned in XXXX. Also my son needs special equipment that is not covered by insurance and I was in the beginning stages of getting the credit I needed to buy these items only to have my available credit reduced on a new credit card ( Discover ) that I received with a limit of {$2000.00}, dropped down to {$500.00} before I could even use it. That was a {$1500.00} reduction based on the negativity of this debt. XXXX XXXX stated in our conversation dated on XX/XX/XXXX that they tried calling me at several different phone numbers, most were invalid. She also stated that she was not allowed to mention anyone 's name when calling or leaving messages. If any attempts were made they went unrecognized by me, thus unanswering, and no messages were left. First contact I had was XX/XX/XXXX, in which I sent the original creditor a certified/return receipt letter asking them to please forward me an itemized list. They did not however the signed receipt was returned to me. So they received it. On XX/XX/XXXX, I placed a call to the collection agency speaking with a XXXX XXXX that was recorded by me, asking for a list and at the same time I disputed the debt. Since the email was not received with requested documents, I phoned and left a message with XXXX XXXX at a direct number she had given me on XX/XX/XXXX and followed up with another letter dated XX/XX/XXXX. On XX/XX/XXXX, I sent yet another letter telling her I was going to give her 30 days to comply with my request for a itemized list/receipts. I sent another letter XX/XX/XXXX entitling it as a 30 day " Demand Letter ''. In my letter I had stated that if the info was not received within 30 days of the letter then I was requesting the debt to be removed from my report. I plan on fighting this debt. I should not have to exhaust myself from retrieving a simple piece of paper. There were NO physical damages to the apt ; only nicotine related and I cleaned all to the best of my ability but to no avail. My chief complaint from the info I received verbally from XXXX XXXX was that the items she discussed with me had to be replaced anyways due to the length of time I resided there and also the renovation that was going to be done to the apt . I received a letter from National Credit Systems stating that I made NO attempt to address the debt but I never received anything other than the one letter dated XX/XX/XXXX. They placed the debt on my credit prematurely. With more things going on in my life that I need to worry about I don't need this XXXX. If it's not removed it will hinder my son and I. I suffer from XXXX XXXX and this situation has caused me XXXX XXXX XXXX harm.
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| 03/05/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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DISPUTE Client : XXXX XXXX XXXX XXXX XXXX Client Account Number : XXXX XXXX Account Number : XXXX I, XXXX XXXX XXXX XXXX dispute the {$5000.00} credit lien placed on my credit by XXXX XXXX . In South Carolinas Landlord Tenant laws SECTION 27-40-310 sets forth the terms, conditions of rental agreement and what is to be included in the rental agreement ...
Section 27-40-310 ( a ) states a landlord and a tenant may include in a rental agreement terms and conditions not prohibited by this chapter or other rule of law, including rent, term of the agreement, and other provisions governing the rights and obligations of the parties.
( b ) In absence of agreement, the tenant shall pay as rent the fair-market rental value for the use and occupancy of the dwelling unit.
( c ) Rent is payable without demand or notice at the time and place agreed upon by the parties. Unless the tenant is otherwise notified in writing, rent is payable at the dwelling unit and periodic rent is payable at the beginning of any term of one month or less and otherwise in equal monthly installments at the beginning of each month. Unless otherwise agreed, rent is uniformly apportionable from day to day.
( d ) Unless the rental agreement fixes a definite term, the tenancy is week to week in case of a roomer who pays weekly rent and in all other cases month to month.
In South Carolina the lease or rental agreement should spell out your landlords key rent rules, including : the amount of rent ( there are no limits to how much a landlord can charge in South Carolina since there are no communities with rent control in the state ) where rent is due ( such as by mail to the landlords business address ) when rent is due ( including what happens if the rent due date falls on a weekend date or holiday ) how rent should be paid ( usually check, money order, cash, and/or credit card ) the amount of notice landlords must provide to increase rent the amount of any extra fee if your rent check bounces, and the consequences of paying rent late, including late fees and termination of the tenancy.
State laws in South Carolina cover several of these rent-related issues the amount of notice a landlord must provide to increase rent under a month-to-month tenancy, and how much time a tenant has to pay rent or move before a landlord can file for eviction.
Rent is legally due on the date specified in your lease or rental agreement ( usually the first of the month ). If you dont pay rent when it is due, the landlord may begin charging you a late fee. South Carolina state law does not cover late rent fees. If your lease or rental agreement does not say anything about late fees, your landlord may not impose one, no matter how reasonable it is.
Termination Fee In the two-page leasing agreement provided by XXXX XXXX does not address the amount or calculation of early termination fee. Therefore, in contract law, if it is not specified and agreed upon in the agreement, it isnt binding. There was no agreement on what the early termination fees would be if any there would be any, therefore I am not bonded to the {$3400.00} that was assessed. Even if one argues that a landlord is entitled to damages equal to the amount of the rent payment for the months the unit remains empty before a new tenant moves it ; the area the XXXX XXXX is located is a well sought after area. When we applied, there was a wait list building. There is no documented evidence that it took three ( 3 ) months plus the 30 days we were in the unit to re-rent the property. The ledger indicates that the landlord was given a 30 day notice prior to us moving out. She, in essence, had four ( 4 ) months to get that unit rented. The amount charged is not equal to three months rent. There is no documentation as to how this amount was calculated. Being that the area was well sought after ; the landlord has the obligation to mitigate their damages. There is no evidence that it took three ( 3 ) months plus the 30 days we were in the unit preparing to move with her knowledge of such fact, to rent this unit. For all we know, she could have rented out the unit the very next month and is trying to get double payment a way for her to penalize me as much as she could. She provided no documentation to support the application of this particular fee. There was no mutual agreement concerning early termination fee. There was no meeting of the minds on the calculation of early termination fees ; therefore, those terms are not binding. If there was not an agreed upon calculation or set amount in regards to the early termination fee at the time of contracting the {$3400.00} termination fee is not binding. I am of the opinion that these are not legitimate charges and should be removed.
Past Due Late Fees Like the termination fee, I am of the opinion that this fee is not a legitimate charge as well. Although, I dispute the past due late fees are illegitimate charges for different reasons. The lease, in which, you are in possession of set the late fee at {$50.00}, I believe. If the lease was terminated, how could I accumulate additional late fees to the amount of {$290.00}? There is no documented evidence that these fees were owed prior to us moving. My estranged husband was told there was nothing more owed by us. We turned in our keys and left a forwarding address for. Instead of her using the forwarding address provided to her, she mailed it to the unit. Therefore, we were unaware of the charges until XXXX. Had the charges been made known, I would have disputed them in magistrate court. There is no documentation provided to explain how she came to the figure of {$290.00}. I am of the opinion that this charge be removed as well. There is no documented evidence that this owed. The agreed upon amount of late fees was {$50.00} a month. Not a {$100.00} a month. We were only in the unit from XX/XX/XXXX until XX/XX/XXXX.
Pet Fee Again, like the rest of the fees above, is this fee in the agreement? Why would she wait until we terminated the leasing agreement to charge a pet fee? Most apartment communities charge a pet fee upfront prior to move in. Is there any documentation that this fee was agreed upon? I am of the opinion that this fee be removed as well.
Cleaning Fee The cleaning fee I do not dispute. This fee should have been taken from the {$200.00} deposit that was withheld and not returned. I am of the opinion that this charge is legitimate but should have been satisfied by the security deposit with {$80.00} remaining.
Past due rent I do not dispute the past due rent of {$1000.00}. I am willing to settle the debt for 60 % of the amount owed as it is the custom all other collection agencies. Credit collection agencies have the authority/power to settle the debt for a lesser amount owed. This is something within their discretion to do. With the {$80.00} remaining from the {$200.00} security deposit after the cleaning fee was deducted, the balance owed should be {$940.00}. And to satisfy this amount for 60 % of the debt would be {$560.00}. That amount could be split into payments over the next six ( 6 ) months for the amount of {$94.00} a month.
In conclusion, the fees XXXX XXXX is attempting to assess were not itemized in the leasing agreement. Furthermore, when I spoke to XXXX XXXX, they deny having any record of me owing them. I have asked the credit company for the paperwork provided to them that would have authorized them putting this amount on my credit and they could not produce the documentation.
I do appreciate you taking the time to review my dispute. Again, thank you.
Sincerely, XXXX XXXX XXXX
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| 02/21/2020 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, TX XXXX I am writing to dispute the following information that your company provided to XXXX. I have circled the items I dispute on the attached copy of the credit report I received.
This item for XXXX is inaccurate because I never signed any papers with this company or even live in their apartments. I am requesting that XXXX have the item ( s ) removed or open a case to discuss this in person or move it to the court to correct the information.
Enclosed are copies of the emails between me and XXXX which shows that I didn't agree to rent or signed any agreement with them and it should supporting my position. Please reinvestigate this matter and contact the national credit reporting companies to which you provided this information to have them delete the disputed item as soon as possible.
XXXX XXXX Enclosures : - 6 emails with XXXX proof that this contract was not agreed by me and never signed it.
- The letter that was sent to the national credit which explains this mistake briefly TO : National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX SENT : to XXXX TO : I have seen a collection on my account about an amount of {$5700.00} from XXXX XXXX and this amount is false and not correct as I have no relationship between this account. XXXX has used my online application for rent falsely to a lease that I never signed neither my application has been signed. Please read the details in this email carefully as it has the details of this problem with documents that proof my claim.
- XXXX or the national credit reporting have never sent me any documents related to my problem and NCR contact me I asked them to proof the collection to send it to my address and never received any proofs.
Frist of all, The process of XXXX to get an apartment : a- Submit an Online Rental Application b- There must be a Guarantor on the lease which he/she receives email to fill out the rest of the Online Rental Application.
c- After that, I should receive an email that my application was completed and approved d- If approved, then the lease will be signed by both the Guarantor on the lease and I e- Finally, move in to the apartment and pay the lease.
My claim : a- I submitted my Online Rental Application.
b- The { Guarantor on the lease } received the email and never opened the link or signed.
c- As I have had not complete my application for part ( b ) my application will not be process ( see attachment named email # 2 ).
d- I didn't receive and information about my application if it was approved or not, instead I received email asking me to pay my 1st month on XX/XX/XXXX which completely wrong because my application was submitted on XX/XX/XXXX e- I never moved or even visited this location and have asked them to cancel my Online Rental Application.
f- From the lease they sent me it shows a signature they claimed as me ( I do not agree ) and the date XX/XX/XXXX and the apartment manager signature was XX/XX/XXXX and they email to move in was XX/XX/XXXX so the lease was not signed on the time they asked me to move in.
The claim details : 1st on Wednesday, XX/XX/XXXX XXXX XXXX ( PDT ) I submitted an Online Rental Application NOT online lease application ( see attachment named email # 1 ) in the same attachment, email # 1, it was mentioned that an Online Rental application was submitted and email # 1 was the official email that was sent to the Guarantor to complete the application, and I never opened the link of fill out any Guarantor info. The reason why I didn't complete the application because I am single father and I sent email to XXXX asking them if they accepted me with my kids and if not I asked them to remove my application, and they never responded.
2nd Per XXXX policy ( see attachment named email # 1 ) to process the online rental application Guarantor must be on the lease, and in attachment email # 5 until XX/XX/XXXX the Guarantor application was incomplete 3rd on Fri, XX/XX/XXXX, XXXX XXXX, ( see attachment named email # 2 ) the email has no correct information which asked me to pay before XX/XX/XXXX Remember that your first rent installment is due on or before XX/XX/XXXX and I submitted my Online Rental Application on XX/XX/XXXX ( dates are mentioned on the original email attachment, email # 1 ) how do I have to pay on XX/XX/XXXX? and this an evidence that they are misleading people by assigning any apartment for anyone who fill in application even if it was not completed not fit in my online rental application.
4th XXXX sent to the Guarantor on Fri, XX/XX/XXXX at XXXX XXXX welcoming him to move in and arrange his roommate which he is not the person who move but the assign him to an apartment as if he submitted Online Rental Application see attachment named email # 3 from the Guarantor email, XXXX XXXX ( my father ). This is also evidence the XXXX assigned apartments randomly to anyone who filled out an application online even if the person on the application as Guarantor.
5th On Fri, XX/XX/XXXX at XXXX XXXX, ( see attachment named email # 4 ) I received email confirmation for the roommates they assigned to me and I never chose any roommates, which I must chose. Also how they asked me to move when my Online Rental application on XX/XX/XXXX still is incomplete ( see attachment email # 5.
7th On Monday, XX/XX/XXXX around XXXX XXXX, XXXX called me on my cellphone ( XXXX ) about the lease and I informed them this I am no longer interested and have not completed the application because I did not got your response for accepting my kids to live with me However, in the same day, on Mon, XX/XX/XXXX at XXXX XXXX ( see attachment named email # 6 ) they sent me an approval rental lease and I replied that per my request on the call to remove my application ( see the attachment named email # 7 ) and this attachment very clearly said ( removed me as I told you on the phone call which means I refused to signed before they send the confirmation ) which was the lease date they claim it was signed, However, as my previous emails it shows clearly there was Incomplete application ( email # 2 ), there was email to move in on XX/XX/XXXX ( email # 4 ), there was email asking to pay on XX/XX/XXXX ( email # 3 ). All the dates and emails shows that lease has not been signed by me or the Guarantor there was false activities by XXXX.
From 1st to 6th it proofs that The dates for the emails and lease XXXX provided conclude that they use my Online Rental Application falsely to enforce me to pay. The dated are inappropriate with the application process, for example, I submitted my application on XX/XX/XXXX and they requested me to pay on XX/XX/XXXX. their lease shows their signature on XX/XX/XXXX, but they sent email to move on XX/XX/XXXX and all the dates are not matching the process in addition to the fact that I didn't signed any lease or even completed my application as my email mentioned to them before the lease signed.
8th After multiple calling, I asked them if they want me to move they should pay me the time I was in the hotel from XX/XX/XXXX to XX/XX/XXXX as the manager signature on lease was XXXX and they ignore this and didn't respond which shows their behave that they don't want me to move in instead, they want to enforce me to pay by using my application information.
XXXX XXXX XX/XX/XXXX XXXX
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| 06/01/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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FAIR DEBT COLLECTIONS PRACTICES ACT ;, NOTICE OF DISPUTE OF DEBT, CEASE AND DESIST, DEMAND FOR VERIFIED DOCUMENTATION Account # XXXX Dear Whom may concern., This letter is in response to a notice that was sent to me on the above-mentioned date. Please note that this is NOT a refusal to pay, but rather a NOTICE being dated XX/XX/XXXX, ; a. ) You have received this NOTICE in compliance with the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809, about the above-mentioned account.
This is a request for VALIDATION submitted pursuant to the above-mentioned Title and Section, not for " verification '' or evidence of my mailing address. I respectfully request that your offices supply me with competent evidence that I am obligated to pay you under Federal law.
Under the FDCPA, I have the legal right to demand proof of the alleged debt you claim is owed to you. I'm demanding evidence that I am the party you're asking to pay this debt, and that I am obligated by some contractual responsibility to pay this amount.
Furthermore, you are not permitted to pursue any collection operations, including putting this information on my credit report, unless you present me with legal documentation of this debt. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
DEMAND : I hereby DEMAND that you provide me with the following verified ( sworn to by affidavit ) documentary evidence in substantiation of your alleged debt claim.
CERTIFICATION OF AUTHORITY : Please provide ( a ) : verified certificate of authority, or fictitious/assumed name certificate from the State of Texas authorizing your company to transact business in the State of Texas ( b ) : your license number ( s ) and Registered Agent.
2. AUTHORIZATION CONTRACT : Please send me a verified ( sworn to by Affidavit ) copy of the contract your firm has with the original creditor authorizing your firm to engage in collection activities on their behalf against the above alleged account, and naming you as an authorized collection agent/claims adjuster.
3. ORIGINAL CONTRACT : Please send me a verified copy both FRONT and BACK of the alleged ORIGINAL contract/agreement/promissory note in its entirety, including any application, accompanied by a commercial affidavit, sworn to be true, correct, and complete, upon the commercial liability of a properly identified and authorized officer, employee, or agent of the alleged original creditor who states that he/she has PERSONAL FIRST HAND KNOWLEDGE that said front and back verified copy is that of the original alleged contract/agreement/promissory note.
4. CUSTODIAN OF CONTRACT : Please provide the name, title, address and phone number of the natural person who is the CUSTODIAN of the actual alleged contract/agreement/promissory note. If the physical location of said alleged contract is different from that of the CUSTODIAN, please provide the address of that location also.
5. COMPLETE BOOKKEEPING ENTRIES : Please provide the original account and general ledger statement showing the full accounting of the alleged obligation you are attempting to collect, accompanied by a commercial affidavit by the original CUSTODIAN of the books and records sworn to be true, correct, and complete, upon his or her commercial liability.
6. Please verify under penalty of perjury that you know and understand that certain clauses in a contract of adhesion, such as a so called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
7. Please verify under penalty of perjury that you know and understand that credit card contracts are a series of continuing offers to contract and as such are non transferable.
8. Please verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the alleged debt may constitute MAIL FRAUD and a complaint will be filed with the U.S. Postal Inspection Service and the F.T.C. pursuant to applicable law and any litigation that ensues will name you in your personal capacity as defendant.
9. Provide Proof That National credit systems Inc is not governed by Code of Federal Regulations?
10. Provide Proof that the FDCPA 15 USC1692 applies to National Credit Systems , Inc 11. Provide Proof that National Credit Systems , Inc didnt participate in violations of 18 USC 894 12. Proof this wasnt a consumer credit transaction At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Consumer reporting agencies XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in appropriate action against you for the following : Violation of the Fair Debt Collection Practices Act Violation of the Fair Credit Reporting Act Defamation of Character Please be aware that I realize that validation requires the production of an account and a general ledger statement signed and dated by the person in charge of the account.
Validation requires presentment of the account and general ledger statement signed and dated by the party responsible for maintaining the account. See Pacific Concrete F.C.U. v. Kauanoe, 62 Haw. 334, 614 P. 936 ( XXXX ), GE Capital Hawaii , Inc. v. Yonenaka 25 P. 3d 807, 96, Hawaii 32, ( Hawaii App XXXX XXXX, Fooks v. Norwich Housing Authority 28 Conn. L. Rptr . 371, ( Conn. Super. XXXX ), Town of Brookfield v. Candlewood Shores Estates , Inc. 513 A. 2d 1218, 201 Conn. I ( XXXX XXXX, and Solon V. Godbole, 163 III. App. 3d 845, 114 I11. XXXX XXXX 516 N.E. 2d 1045 ( 3Dist. XXXX XXXX.
If your offices are able to provide the proper documentation as requested in this Declaration, I will need at least 30 days from the date of receipt to investigate this information, during which time all collection activity must cease and desist, which means that all collection activity must cease and desist until you have provided me with all of the information requested in this letter and I have had 60 days to review it. You must refrain from contacting anyone or anything in any way. You may only write to me at the address mentioned on this letter via certified mail.
As an act of good faith I am extending to you thirty ( 30 ) days from the receipt of this notice to perform in compliance with the aforesaid demands. If your office fails to respond to this validation request within 30 days from the date of your receipt, If you refuse, the legal notions of acquiescence and admittance will apply, and the claimed obligation will be ruled invalid and so completely rejected. In the meanwhile, you are not entitled to contact the undersigned unless in writing and solely in relation to the subject matter set forth below.
All future communications with me MUST be in writing and addressed via USPS to the address listed in this letter.
I, XXXX XXXX, do hereby confirm and affirm that all facts stated herein are true, correct, complete to the best of my knowledge, not misleading, admissible as evidence, and are signed under the penalty of perjury.
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| 03/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 METRO 2 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 , 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 XXXX 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. NATIONAL CREDIT SYSTEMS bal. {$10000.00} 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 XXXX XXXX XXXX, Iowa XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 06/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 METRO 2 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 , 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. NTL CREDIT SYSTEMS bal. {$510.00} 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 XXXX XXXX XXXX, Iowa XXXX CC : XXXX- The XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 04/10/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Legal Department, I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, Equifax, and Experian. This information does not relate to any transactions I made. I did not authorize anyone 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 files an affidavit it shall be honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act.
Failure to comply shall lead to complaints being filed with The Better Business Bureau, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help who are victims of identity-theft. I request that an extend fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.
Furthermore, as victim of identity-theft I received notification that my personal information was compromise in the several different data breaches. It has made it difficult to resolve this matter in a timely fashion. I have made several attempts to resolve this. If action is not taken to properly assist me with this matter within 15 days.
I shall file a class action lawsuit for violating the FCRA and FDCPA violations are as follows not limited to reporting inaccurate information, reporting information that resulted from crime ( s ) and/or crime ( s ) of identity-theft, unlawfully collections of debt, calling after designated hours by law, defamation of character, and misrepresentation of true credit worthiness. I ask that all fraudulent information listed below be removed without question. I have fraudulent accounts, employers, misspellings of my name, and address that are associated with crimes that were committed against me.
Once deleting all fraudulent information, you acknowledge that it is indeed fraudulent and resulted from crimes of identity-theft. By doing so you adhere to the FCRA that make it unlawful of any, some, or all information to be transferred, sold to another collection agency or reinserted one 's credit report once it is deemed as fraudulent. You also understand in order to reinsert information to a consumers credit report notification must be given 5 days prior to reinsertion. Failure to comply will also be a violation of the Federal Fair Credit Reporting Act and Fair Debt Collection Practice.
The below-listed accounts by the Original Creditors, who have reported these accounts within my credit reports, were not opened by me. I also did not give my authorization for anyone else to open these accounts. Someone else of who did these that I did not know.
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 a 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities. It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts.
Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from out go my credit files.
1. NATIONAL CREDIT SYST bal. {$2500.00} 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 an 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
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| 03/01/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 METRO 2 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 , 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. NATIONAL CREDIT SYSTEM bal. {$1000.00} 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 XXXX XXXX XXXX, Iowa XXXX CC : XXXX- The XXXX XXXX XXXX XXXX, XXXX XXXX
XXXX XXXX XXXX XXXX, FL XXXX CC : XXXX XXXX XXXX XXXX CXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , FL XXXX CC : XXXX- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX, FL XXXX CC : Attorney General Office XXXX XXXX XXXX XXXX XXXX. XXXX, FL XXXX
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| 09/25/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was first contacted by phone in XX/XX/XXXX by Collection Representative XXXX XXXX who is employed by National Credit Systems , Inc regarding an alleged debt of {$110.00} incurred by me in XX/XX/XXXX. Ms. XXXX would not provide specific information regarding the debt and I stated that I was disputing the debt.
In XX/XX/XXXX, my father, XXXX XXXX, was contacted by cellular telephone and notified that National Credit Systems was attempting to contact me to collect a debt. 15 U.S.C. 1692c ( " a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. ).
On XX/XX/XXXX, I received a letter from MsXXXX XXXX stating that " The above referenced account has been placed with this office for collection. National Credit Systems , Inc. has been authorized to recover this debt by way of credit bureau reporting ( following this initial 30 day validation period ) as well as other available remedies. '' I called Ms. XXXX and spoke with her on or about XX/XX/XXXX and informed her that I was disputing the debt. Ms. XXXX stated that I must do so in writing and that she would " remove the debt from my credit report. '' I informed her that the letter stated that the debt would not be reported to my credit until after the " initial 30 day validation period. '' She informed me that the letter ( sent by her ) was not correct and that the debt had already been reported negatively to my credit. 15 U.S.C. 1692e ( A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ).
I informed Ms. XXXX that I would send written notification of my dispute of validity and did so on XX/XX/XXXX.
On or about XX/XX/XXXX I received a letter signed " House Collector '' from National Credit Systems acknowledging my dispute but stating that they have " yet to find sufficient evidence to validate your claim ( s ). '' I then contacted National Credit Systems and spoke to my account representative -- I believe this was XXXX XXXX, but I am not positive. I informed the representative that I was willing to provide sworn testimony from multiple witnesses to support my claim that I did not owe {$110.00}. The representative said that only " documents '' could be used to support a claim. This is obviously false and misleading. 15 U.S.C. 1692e ( A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ). The account representative also informed me that my lease required me to conduct a " move out inspection. '' I reviewed the lease and it did not require me to conduct a " move out inspection. '' 15 U.S.C. 1692e ( A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ).
On or about XX/XX/XXXX, I attempted to apply for an automobile finance loan. My credit score had been affected negatively by National Credit Systems negative report and I was not able to receive a competitive interest rate as a result. Ms. XXXX had previously stated that the negative report would be removed from my credit report.
On or about XX/XX/XXXX, I called National Credit Systems to receive clarification and attempt to settle the debt. I reached a woman who described herself as a switchboard operator named " XXXX. '' I asked " XXXX '' if she could provide me information regarding who I can discuss settling my debt with. " XXXX '' stated that my account was handled by " XXXX '' and " XXXX. '' I explained my difficulty in receiving honest communication from XXXX and asked to speak with XXXX. " XXXX '' informed me that " XXXX '' was not in. I asked " XXXX '' for last names for XXXX and XXXX. XXXX informed me that she was unwilling to provide last names. I then asked why and she was unwilling to provide a reason. I asked for XXXX 's last name and she stated she was unwilling. See 15 U.S. Code 1692e ( A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. ).
I was eventually able to reach the voicemail of XXXX, who later became known to me as XXXX XXXX. Mr. XXXX was described to me by a receptionist as being " in the office '' but possibly on break. On Thursday XX/XX/XXXX I left a message with my name, account number, and phone number and asked him to contact me to resolve the debt. Neither Mr. XXXX, nor any representative of National Credit Systems returned my call.
On Friday XX/XX/XXXX I left a message with my name, account number, and phone number and asked him to contact me to resolve the debt. Neither Mr. XXXX, nor any representative of National Credit Systems returned my call.
On Monday, XX/XX/XXXX, I left a message with my name, account number, and phone number and asked him to contact me to resolve the debt. Neither Mr. XXXX, nor any representative of National Credit Systems returned my call.
On Tuesday XX/XX/XXXX, I left a message with my name, account number, and phone number and asked him to contact me to resolve the debt. I also was able to acquire Mr. XXXX 's e-mail address from a switchboard operator. She also informed me that Mr. XXXX was at work that day. I then sent an email to Mr. XXXX at XXXX. I explained to Mr. XXXX the reasons for my difficulties so far with National Credit Systems and concluded by writing : " I have been and am willing to settle the debt, but have thus far been unable to reach anyone with that authority and I have been met only with stonewalling, deception, falsehoods, and misleading statements. Because of this, National Credit Systems is putting me in the position of proceeding with administrative enforcement options through the Federal Trade Commissions Consumer Financial Protection Bureau and/or civil suit U.S. District Court for the Southern District of Florida. Due to the time and expense, I am willing to settle this matter. Please respond to this message by the end of business today, XX/XX/XXXX. I release you, XXXX XXXX, from any prohibition on contacting me by telephone at XXXX or e-mail at XXXX in regard to the above-referenced account number. '' Neither Mr. XXXX, nor any representative of National Credit Systems returned my call or my email.
On today 's date, XX/XX/XXXX, I again called and left a message on Mr. XXXX 's voicemail. I have not received any response.
As I stated to Mr. XXXX, I have been and am willing to settle the debt, but have thus far been unable to reach anyone with that authority and I have been met only with stonewalling, deception, falsehoods, and misleading statements. The debt is for a relatively minute amount and I have spent well more than {$110.00} worth of time in an attempt to resolve this alleged debt.
However I believe it is necessary for people who are wronged to assert their rights. I am hoping you can help me resolve this issue before I resort to judicial remedies.
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| 11/23/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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This is in response to a previous compliant, which was not resolved and marked CLOSED. SInce I was not able to reopen the CLOSED complaint, I am creating a new one. The previous compliant # was XXXX.
MY COMPLAINT I am writing this letter in response to the letter received from National Credit Systems , Inc. on XX/XX/XXXX. In the letter the debt collector has mentioned that I owe {$820.00} to the XXXX XXXX in XXXX, IL. On XX/XX/XXXX, I sent out a debt validation letter to the mentioned company asking for the following documentations 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my signature stating that I have agreed to assume the debt. 3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 4. Documentation containing the creditors signature and my signature indicating a routine inspection of the apartment unit was completed in presence of both the parties. 5. Documentation showing the validity and necessity of the charges that were applied on my account. 6. Proof that the Statute of Limitations has not expired. 7. Complete payment history on this account along with an accounting of all additional charges being assessed. 8. Show me that you are licensed to collect in my state ; and 9. Your license numbers and Registered Agent National Credit Systems , Inc. has failed to respond to my letter with all the necessary proper documentation. They sent me few documents such as the lease agreement between the XXXX XXXX and myself, Invoices and Move-In/Move-Out Inspection document. Over here I would like to mention the XXXX XXXX in XXXX is charging me for the replacement of the carpet for the entire unit, which I rented and stayed for 1 year. I have mentioned in a letter to National Credit Systems , Inc. dated XX/XX/XXXX, that the charges that XXXX XXXX has made is unethical and does not comply with the lease that XXXX XXXX and myself have signed before moving into the apartment. After moving out of the XXXX XXXX, I had exchanged emails with the authorities at XXXX XXXX and they have shared several pictures of the carpet. I would like to raise few points over here, based on the email communication between XXXX XXXX and myself and the lease document, invoices and inspection document received from National Credit Systems , Inc. 1. Pictures of the carpet with no stain The pictures of the carpet provided by the XXXX XXXX, shows there were no stain or mark in the carpet for which the entire carpet need to be replaced. A regular vacuum or a steam vacuum would have cleaned the carpet and made it look new. I want a proper justification on why the entire carpet was replaced when it was not at all necessary. Replacing the entire carpet, when that is not needed, and charging the amount back to the previous renter is an unethical practice, which need to be dealt with properly. 2. Carpet life The life these kind of carpets are usually 5~6 years. It can be seen in the email from XXXX XXXX that the carpet was replaced just prior to my move to the unit. Based on that, the carpet had about 4~5 years of life left on it. Also going by the pictures taken by XXXX XXXX representatives, the carpet is in a pretty good condition which does not require a full replacement. This also indicates unethical practices conducted by the XXXX XXXX. 3. Inspection was not done in front of me, no signature Based on the documents provided by National Credit Systems Inc. there is a Move-In/Move-Out report which needs to be signed by both the parties to accept the damages done to the unit, which requires replacement or cleaning. It can be seen from the document that my signature was not present in the document. The Move-out inspection was not done in front of me. XXXX XXXX never invited me for a joint inspection. A joint inspection is an absolute necessary in this matter, because we will never be able to find out any intentional damage done by XXXX XXXX to get the replacement cost from me. 4. Normal wear and tear Based on the City of XXXX renters lease guidelines, a normal wear and tear that happens due to living in the unit during the lease tenure is acceptable. Over here from the pictures that were given to us by XXXX XXXX, we could not see any damage on the carpet apart from normal wear and tear that can happen while staying in the unit. I am sending this letter to raise unethical practices conducted by the XXXX XXXX in XXXX. I also demand if either XXXX XXXX, XXXX or National Credit Systems , Inc. are not able to clarify my concern, the debt amount be removed from my credit file in all 3 credit bureaus immediately. For any other concern or question, please reach me at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX COMPANY 'S RESPONSE ( NCS ) This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX. XXXX XXXX is disputing this debt because of the charges accessed to him by XXXX XXXX. These charges were not accessed by NCS. XXXX XXXX 's dispute is with XXXX XXXX. That is the original creditor who owns this debt and placed it with NCS for collections. Obviously he and XXXX XXXX do not agree with each other. Since there is an on-going dispute between XXXX XXXX and XXXX NCS will cease our collection activity until the dispute can be resolved. I hope that the above response will provide your office with the information you are seeking. Please contact us with any additional questions MY COMPLAINTS WHICH NEED TO BE ADDRESSED IMMEDIATELY - This issue is not resolved and I can not deemed it to be CLOSED. The company National Credit Systems ( NCS ) has indicated in their comment that, there is an ongoing dispute between the XXXX XXXX and myself. They have also indicated that NCS is just a collection agency and they will cease any attempt to collect the debt until the dispute between XXXX XXXX and myself is resolved. Going by their response, I have following concerns - 1 ) NCS has no right to put the collection on my credit file with 3 credit bureaus. I want NCS to immediately remove those collection from my credit file with 3 credit bureaus.
2 ) I want NCS to issue a written letter to address, they have cease all attempts to recover the debt unless the dispute is resolved. Also they need to issue a written letter that all the collections will be removed from my credit file with immediate effect. I want them to issue a hard letter and mail it to my address.
3 ) I want punitive damages from NCS. Without investigating the validation of the debt NCS has put up this collection on my credit file. That has cause significant damages to my credit history. Which in turn has increased my APR for Auto loans and Credit Card.
I will only consider this case to be CLOSED after the above 3 issues are resolved.
|
| 03/24/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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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 METRO 2 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.
Finally, you are reporting the INQUIRIES that are the result of the same type of fraudulent activities.
It must be noted that I did not apply for credit accounts with the below-listed companies and creditors, some of these are the result of attempts to open accounts, but the companies did not approve the accounts. Therefore, these inquiries must be deleted from within my credit file. You can not delete the fraudulently opened accounts without also deleting the fraudulent inquiries.
It should be noted that an inquiry that was not made by me is not a factual record, just as a fraudulently opened account is not a factual record and not referred to the creditor to be disputed directly with them. The credit reporting agencies have attempted to address an inquiry as a factual record of file access, but if it was done through fraudulent means, it is not a factual record. As a consumer, I should not be required to dispute each fraudulent inquiry directly with each company. These inquiries are the result of fraudulent activity and therefore, inaccurate in which the credit reporting agencies or the creditors can not verify, meaning that these inquiries are unverifiable information and must be deleted from my credit files.
1. NATIONAL CREDIT SYST bal. {$260.00} 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
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| 12/04/2018 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Despite having disputed the invalidity of the debt this company is continuously attempting to collect, they have continuously sent me written letters lying, and falsely claiming that I had not contacted the company to dispute the invalidity of the debt. Despite warning them that I will file a police report against them if they continue to not understand that this debt is invalid and try to communicate with me further and thereby, harass me ... they have continued to commit more, similar annoying behavior. Also, none of the charges listed on the final receipt have a justifiable basis, the same receipt has been sent to me by XXXX, the parent company of XXXX XXXX, and then also by national credit systems , inc. and are just numbers attached next to a dollar sign, which they've printed off and sent over to me and my guarantor, unsigned. They have then asked for me to pay this invalid amount which is supposedly a debt according to them, and supposedly something that I am supposed to pay to them despite it being invalid. I have already explained this to National Credit Systems , Inc and have explained to XXXX that these invalid charges are invalid as no evidence for them exist. I did not at any point in time agree to pay any kind of an invalid charge to anybody, and neither did my guarantor. The situation concerning the invalidity of the debt, and how the debt being invalid was going to be settled, was already decided upon and a judgement had been made, during an earlier complaint which the XXXX had arbitrated between myself and XXXX. They have falsely reported this invalid debt to one ( to my knowledge ) credit reporting agency, and they have also claimed in their very recent letter they have mailed to me stating that they have reported it to two other national credit reporting agencies. Being that every single one of my interactions with them have been dishonest, I do not know how empty their threats are and exactly what they are going to do to further negatively impact me. i have already filed for an investigation to take place to fix the inaccuracy on my XXXX credit report. Please help me. Just to provide you with more context, the debt they are claiming is what they are collecting ( but in fact, is invalid debt ) is invalid as it is, as I had spoken to the assistant manager about my early lease termination and to which he agreed and permitted me to do so. He permitted me to, and we both mutually ( him acting on behalf of his company as he is a qualified, representative and management personnel ) terminated the lease. The situation being that I had provided my tenant early notice of my intent to move out, had explained my situation and reasoning for having to vacate early, and even helped the landlord mitigate costs by helping find a sublet tenant..but unfortunately, although i tried, i wasn't succesful in signing a suitable sublet-tenant so the assistant manager on behalf of his team agreed to take over in the finding of a suitable sublease-tenant, instead. We mutually agreed to terminate the lease, and he allowed me to move out. I couldn't work to earn a steady income, and had to withdraw my college classes due to health conditions and due to unfair practices taking place against me by two university systems.I had to move back home to another city to recover, and come back to health. It just didn't seem fair for me to have to pay for an apartment I could not although i wish i could have, but was not at all going to be using, so after reading an article on XXXX offering tenant rights on early termination of leases and steps they could take, they suggested that I explain the situation to property management/landlord and mutually terminate the lease, and with their permission move out of that apartment. A XXXX XXXX, XXXX XXXX, and a House Collector, have continuously pestered me and bothered me despite having asked their entire organization and anyone else related to this matter to stop contacting me.
National Credit Systems , Inc. has placed this invalid debt amount on my XXXX Credit report, for which I have had to file an investigation disputing the invalidity of the debt. I received a letter today, XX/XX/2018 from National Credit Systems , Inc. stating that they have reported this invalid debt to all three credit reporting agencies and have also threatened that they are going to inform their client ( XXXX/XXXX XXXX XXXX ) to file a lawsuit against me to collect this invalid debt amount.
Me and my guarantor have continuously been pestered unnecessarily by this organization starting from XX/XX/2018 to XX/XX/2018.
XX/XX/2018 is when XXXX XXXX ( National Credit Systems , Inc. ) began unnecessarily contacting me over the phone, and that too, all he did was antagonize me assuming that the invalid debt was somehow valid, despite it certainly not being so. After XXXX had revealed his true intentions and that he on behalf of his company was attempting to collect an invalid debt, and that National Credit Systems , Inc. was using unlawful methods of collecting invalid debt ( XXXX XXXX 's claim over the phone call was that my returning of his call was proof that the validity of the debt was valid. ), I explained to him that I will place a complaint against him with the police. He then got scared, and attempted to reroute my call to another representative over the phone. I then decided to hang up the phone call having understood the fraudulent, corruptive actions which were being taken against me to illegally acquire money from me and my guarantor.
On XX/XX/XXXX, me and my guarantor had both mailed letters stating, and confirming the invalidity of the debt and had stated that we did not want to be further contacted whatsoever, by anyone related to this matter. Both letters in their electronic versions are attached below and are listed as : nationalcreditsystems.docx, and XXXX XXXX, XXXX XXXX XXXX, and National Credit Systems , Inc., I suspect, have been acting in collaboration to collect this invalid debt, and have continued to bring up the invalid debt many times over the course of this year to attempt to convince me that it is valid, and real ... when it is not. I have filed several complaints against National Credit Systems , Inc. as well as XXXX involving the FTC ( early XX/XX/2018 ), as well as the XXXX Police Department on XX/XX/2018, and the XXXX XXXX XXXX ( once in the spring of XX/XX/2018, and once again on XX/XX/2018 ).
The final document attached to this complaint is of the conversation between myself and the parent company of XXXX XXXX XXXX ( XXXX ). This is the email conversation which had occurred and where, I had once before, confirmed the invalidity of the debt alongside having had clarified and stated the dispute and its reasoning.
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| 09/02/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This complaint is related to CFPB Complaint XXXX, which CFPB closed prematurely. The Collection Agency, NCS National Credit Systems , Inc. ( NCS ), is collecting an alleged debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ). XXXX was the landlord on a rental property to which I was a lessee.
XXXX claims that I owe {$420.00}. This amount consists of a {$730.00} Early Move Out fee and {$370.00} in maintenance/cleaning charges, less the amount from my security deposit of {$680.00}, which XXXX has kept.
I established by the terms of the Lease Agreement and documentation of the actual move-out date that the fee was not owed to XXXX.
NCS did not investigate my dispute in good faith. In their response to my earlier complaint to CFPB, NCS admitted that all they did was speak with their client, XXXX, who stated that the debt was due and provided NCS with a billing statement and a copy of the lease.
THE BILL AND LEASE ARE NOT PROOF THAT A DEBT IS OWED UNDER THE TERMS OF THE LEASE.
NCS has clearly not actually investigated this dispute because they have failed to acknowledge ANY of the information I have provided. NCS has ignored the documentation already in its possession from XXXX ( which I have referenced ) and other documentation which I supplied to NCS. NCS is simply agreeing with their client, XXXX, without doing anything to evaluate the facts contained in my dispute.
XXXX has only provided NCS with bills stating that I owe money, but not any proof that the Early Move-Out Fee was actually due or that the cleaning and maintenance charges were necessary. NCS is simply taking the word of XXXX while ignoring my proof that no Early Move Out Fee was due under the lease terms.
NCS has never once stated it has proof that the tenants moved out early and did not provide a required notice under the lease terms. NCS is acting in bad faith by not actually considering the information before it.
The documentation and information supporting my dispute of the {$730.00} Improper Notice to Vacate Fee is : 1 ) the Apartment Lease dated XX/XX/XXXX, which XXXX sent NCS, and which you sent me twice ; and 2 ) a Notice to Vacate, properly executed by all lessees and sent to XXXX XXXX before expiration of the Lease, stating that the tenants would be vacating at the end of the lease, on XX/XX/XXXX.
The contractual basis for XXXX {$730.00} Improper Notice to Vacate Fee is contained in two paragraphs of the Apartment Lease, excerpted in relevant part below : 11. EARLY MOVE-OUT. Youll be liable to us for a reletting charge of {$730.00} ( not to exceed 100 % of the highest monthly rent during the lease term ) if you : ( 1 ) fail to give written move-out notice as required in paragraphs 23 ( Military Personnel Clause ) or 37 ( Move-Out Notice ); or ( 2 ) move out without paying rent in full for the entire lease term or renewal period ; or ( 3 ) move out at our demand because of your default; or ( 4 ) are judicially evicted.
37. MOVE-OUT NOTICE. Unless you are moving out on the Lease term ending date, you must give our representative at least 60 days advance written notice of your intention to vacate. All notices to vacate must be in writing and must provide the date by which you intend to vacate.
Under paragraph 11, the Early Move-Out fee ( what XXXX calls the Improper Notice to Vacate Fee ) is only owed to XXXX if XXXX of the four listed conditions apply. None of the four listed conditions applied when the tenants moved out.
Most importantly, under the first listed condition, the lessees did not fail to give written move out notice, as required under the Apartment Lease. Paragraph 23 is not applicable because the lessees are not Military Personnel.
The relevant paragraph controlling Move-Out Notice is therefore Lease Agreement Paragraph 37, which requires 60-days advance written notice of intent to vacate [ u ] nless you are moving out on the Lease term ending date. The lessees were not required to provide 60-days advance notice of intent to vacate since they moved out on the Lease term ending date of XX/XX/XXXX.
In fact, as a courtesy, the lessees provided XXXX with a written Notice to Vacate stating that they would be vacating at the end of the lease, on XX/XX/XXXX. A copy of the relevant sections from the Apartment Lease and the Notice to Vacate were sent to XXXX twice.
Because the lessees moved out at the end of the lease term, no 60-day notice to XXXX was required, and the lessees therefore did not fail to give written notice as required in paragraph [ s ] 37 under the Early Move-Out provision in paragraph 11.
The three remaining conditions listed in paragraph 11 of the Apartment Lease obviously do not apply. The lessees did not move out without paying rent in full for the entire lease term ; they did not move out because of a demand by XXXX or the lessees default ; and they were not judicially evicted. XXXX has not asserted, much less documented, any of these conditions.
Therefore, because none of the four conditions which would trigger the Early Move-Out fee ever occurred, the {$730.00} fee is not owed to XXXX.
XXXX has not provided any proof that this fee is owed. All they have supplied is a Move Out Statement that lists an Improper Notice to Vacate Fee. But a bill is not proof that the fee is owed. A bill without backup is just an unsubstantiated claim. By contrast, since I have provided documentation and information to NCS substantiating why the fee is not owed, the burden is on XXXX to support their claim.
NCS continued to just accept the bill as proof that the debt is owed in the face of the specific, factual evidence to the contrary which I have presented to NCS.
Even assuming for the sake of argument that all {$370.00} of the cleaning and maintenance charges were necessary and actually incurred ( which we can not concede absent proof ), XXXX XXXX owes me a refund of {$300.00} from my security deposit.
That is, since the {$730.00} Improper Notice to Vacate Fee was improperly taken from my security deposit, even if the {$370.00} in cleaning and maintenance fees were properly charged, XXXX would still owe me a refund of {$300.00}, which is the amount of the security deposit less these alleged cleaning charges ( i.e., {$680.00} - {$370.00} = {$300.00} ).
We have repeatedly provided NCS with all of the documentation and information necessary to prove that XXXX is not owed the {$730.00} Notice to Vacate Fee. We have also made clear that XXXX has provided no information or documentation that substantiates its claim for {$370.00} in cleaning and maintenance charges, and that even if it could, there is no debt owed to XXXX since XXXX kept our security deposit, which more than covers the amount of such fees.
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| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Debt Collection Agency : National Credit Systems XXXX XXXX XXXX XXXX XXXX.
XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX Tx Creditors additional Debt Collector XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX TX XXXX Inaccurate Amount Reported Claiming I Owe {$31000.00} I have written numerous letters requesting the mentioned debt removed and deleted from all reporting agencies, however, National Credit Systems XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Tx continue to refuse to remove it.
I have previously attempted to obtain information, validate and dispute the mentioned alleged debt on several occasions, however, National Credit Systems disregarded many of my requests by sending only partial information. I did not receive the extended email chain referencing the many complaints which were never resolved including but not limited to excessive noise and other significant documentation. National Credit Systems is reporting to the credit bureaus, however, they still have not validated the alleged debt in direct violation of VALIDATION made pursuant to 15 USC 1 692g Sec. 809 ( b ) of the FDCPA ( see Exhibit A ). The email communication with XXXX XXXX ( Landlord ) clearly illustrates the repeated refusal to abide by the Texas Property Code by placing barriers, conditions and restrictions on the me which is breaking the law. XXXX XXXX, The Property Owners and their affiliates are in direct violation of Section 92.016 of the Texas Property Code for its repeated refusal to allow the tenant ( me ) to break the lease by placing barriers, conditions, and restrictions on me and my occupant minor child ( the victim ) are breaking the law and are subject to a civil penalty of one months rent plus {$500.00}, damages, and they must pay the victims attorneys fees. Additionally, I was fraudulently induced into signing the lease by Landlords agent representing the property is a quiet and safe environment for my child to live in. On countless occasions my child was exposed to foul language, smell of XXXX, loud neighbors, cut his foot on broken beer bottle glass at the pool after a management sponsored a large party and my car was broken into. The documented and reported crime at the property became an unsafe place for my child and I to live. Much of this is referenced in the email communication sent to National Credit Systems and XXXX XXXX. If needed, many of the Parties involved including but not limited to an onsite XXXX Police Officer, Security Guards, Concierges, Tenants, Maintenance, Employees, Management, Owners and their affiliates would confirm all of this information.
On XX/XX/XXXX, a XXXX County Judge issued an order containing an injunction to protect my child.
Section XXXX of the Texas Property Code gives victims of XXXX XXXX the right to vacate the dwelling and avoid liability for future rent and any other sums due under the lease for terminating the lease and vacating the dwelling before the end of the lease term without notice. Landlords who do not allow the tenant to break the lease or who attempt to place barriers, conditions, or restrictions on the victim are breaking the law and are subject to a civil penalty of one months rent plus {$500.00}, damages, and they must pay the victims attorneys fees. The Landlord was well aware of the situation and the email communication with Landlord clearly illustrates the repeated refusal to abide by the Texas Property Code by placing barriers, conditions, and restrictions on the me which is breaking the law.
A tenant who terminates a lease under Subsection XXXX is released from all liability for any delinquent, unpaid rent owed to the landlord by the tenant on the effective date of the lease termination if the lease does not contain language substantially equivalent to the following : " Tenants may have special statutory rights to terminate the lease early in certain situations involving family XXXX or a military XXXX or XXXX. '' For further clarification, the following paragraph was cut and pasted from the Texas Attorney Generals website : If you or an occupant of the property are the victim of family XXXX ( meaning, for example, harmful acts including XXXX, XXXX XXXX, and XXXX by a member of the family or household against someone else in the family or household ), you may terminate your lease.
and leave the property without further obligation for future rent or termination fees. To exercise this right, you must have a protective order or temporary injunction, signed by a judge, against the occupant or co-tenant of your residence. Once you have delivered a copy of the protective order or temporary injunction to your landlord and you have vacated the unit, you have, by law, terminated your lease and avoided liability for future rent and other sums due under the lease for termination of the lease. If your lease does not contain language informing you of your rights to terminate the lease in situations involving family XXXX or military XXXX, you will be released from liability for past unpaid rent. If the lease does contain such language, you will still be responsible for rent owed to the landlord before you terminated the lease. If a landlord does not let you terminate the lease under these conditions, she or he may be liable to you for one months rent, plus {$500.00} and attorneys fees.
Right To Quiet Enjoyment While living at XXXX XXXX, I had made over twenty complaints regarding the tenant living above me making excessively loud stomping and banging noises throughout the day and knight. Many of the complaints were documented via email with the Landlord resulting in no resolution. Many staff members visited my unit and were speechless of how loud the noise was as it literally shook my entire unit. According to the Texas attorney General, tenants have the right to quiet enjoyment. After many months of verbal and written communication to staff and management, Landlord failed to resolve the matter. I have sent letters which included the following language : I am hereby exercising my rights under the state and Fair Debt Credit Reporting Act. I hereby request that you immediately remove the mentioned account from my credit report, any previous inquiries, statements, updates etc. from all credit reporting bureaus including any other agencies including but not limited rental reporting agencies immediately. However, the XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX Tx continue to refuse to remove it.
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| 08/27/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX.
What happened is a collection agency named National Credit System located in XXXX, Georgia is erroneously reporting me as a collection account, firstly, to XXXX XXXX XXXX and more recently to the XXXX XXXX XXXX. Also, I had requested that National Credit System not call me, however, I still received a call and a letter from National Credit System recently through their partner, XXXX XXXX XXXX XXXX XXXX, who used a ( XXXX ) telephone number to show up on my caller I.D . but the call actually was made from Georgia with a ( XXXX ) telephone number.
Here is a summary of the illegal experience I am having with National Credit System ; this is just a collection agency scam for money not owed.
Last year, I lived at an apartment complex named, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX.
The apartment I rented is at : XXXX XXXX XXXX, XXXX, GA XXXX.
My lease was for 13 months. I moved out on XX/XX/XXXX.
I stayed there for the entire lease, gave a proper 30 day notice via email and paid about {$500.00} extra money to go on the month to month lease on my last month living there, since I did not want to sign another year long lease.
The day I moved out, I handed the keys to one of the maintenance crew.
About an hour after I left for good, XXXX XXXX, the Assistant Manager, emailed me asking if I were moved out of the apartment.
I said, " yes ''.
So, around XXXX of this year, XXXX, about when the Covid 19 pandemic began, I received a telephone call from a bill collector in XXXX stating I owed approximately {$1600.00} to XXXX XXXX XXXX.
I informed the bill collector that I was all paid up at XXXX XXXX XXXX. After all, even after I moved out, XXXX XXXX XXXX never sent a statement of owing or any type of bill to me. I received nothing from XXXX XXXX XXXX in terms of a bill.
My address was forwarded through USPS, my email stayed the same and my telephone number has not changed.
The State of Georgia allows five days for a landlord to claim a renter owes money after the lease is over and the tenant has moved out. I never received any communication about an outstanding bill from XXXX XXXX XXXX.
A few times I tried to call XXXX XXXX, the apartment complex 's assistant manager but I was constantly being told she was out to lunch whenever I called to speak to her about this problem.
A few weeks ago, I applied to rent an apartment here in XXXX XXXX where I now reside. I was told I am denied because I am on the " XXXX XXXX '' for a collection for {$1000.00} from a previous apartment I lived at.
Upon calling and checking my XXXX XXXX XXXX report, I was told that National Credit System is currently reporting me as owing XXXX XXXX XXXX approximately {$1000.00} in a collection status.
A XXXX search on National Credit System reveals this so called " collection agency '' has over 300 plus consumer complaints through the XXXX XXXX XXXX.
At that point I had no idea about why I owed any money to XXXX XXXX XXXX On XX/XX/XXXX, I received a call from someone named, Mr. XXXX from XXXX XXXX XXXX XXXX XXXX stating the apartment complex, XXXX XXXX XXXX had removed the collection account from National Credit System and has now placed the same collection with XXXX XXXX XXXX XXXX XXXX. Mr. XXXX told me if I paid he would remove the collection from the credit bureaus.
So, at this point, I asked Mr. XXXX, why I owed money to XXXX XXXX XXXX and to account for the amount of {$1000.00}.
Mr. XXXX said I owed {$85.00} in rent and {$940.00} for not giving XXXX XXXX XXXX a 60 day notice to vacate.
However, my lease stated I only needed to provide a 30 day notice, which I did.
I asked for their company 's address. He said their address is : XXXX XXXX XXXX, XXXX, GA XXXX. He said their telephone number is ( XXXX ) XXXX. However, the caller I.D . on my cell phone showed a California number of XXXX.
After I kept asking questions, Mr. XXXX threatened a new collection action and hung up the telephone on me.
However, right before I received Mr. XXXX ' phone call, XXXX XXXX XXXX assistant manager, XXXX XXXX emailed me stating I should contact National Credit System for more information. Up until that point, XXXX XXXX kept refusing to tell me why I owed any money to their apartment complex.
At the time I decided to move out of the apartment, I asked for guidance from a XXXX XXXX XXXX leasing office employee named XXXX.
I do still have the emails from XXXX, a leasing agent, at XXXX XXXX XXXX stating to me in order for me to go on the month to month lease, I would need to pay rent of {$1900.00} instead of approximately {$1400.00} that I was paying for my 13 month lease.
XXXX also stated to me in her email that I had to provide them with a 30 day notice, which I did.
FTC : This is a totally bogus, made up fraudulent charge which is being reported on my 1 ) XXXX Credit Report and 2 ) my XXXX XXXX XXXX report.
National Credit System, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX are holding my credit report and XXXX XXXX reports as hostages and trying to force me to pay a ransom of {$1000.00} for a scam, a bill I do not owe.
I absolutely have no knowledge as to the legitimacy of this so called collection and simply put, I do not owe them a thing.
I have asked National Credit System for validation of this collection. I have not received any type of validation. I have not seen my name on any agreements stating I agreed to any charges from these companies. I have not seen a contract, I have not seen any legal statement or bill to claim I owe XXXX and my XXXX XXXX and Credit report should suffer from it.
This is a complete scam.
I have attached 1 ) a copy of my lease from XXXX XXXX XXXX, 2 ) The collection letter sent to me from XXXX XXXX XXXX XXXX XXXX ( this letter was sent to me after I requested no more communication from them ) 3 ) My XXXX Credit Report showing National Credit System placing a collection on my credit report for {$1000.00} ( 4 Communication between National Credit System and myself through the XXXX XXXX XXXX 5 ) An email communication between XXXX , a XXXX XXXX Leasing consultant and myself-this email confirms my 30 notice to vacate as well as XXXX telling me on a month to month, 30 day notice is all that is required.
National Credit System keeps saying they will " investigate '', however these collections remain on my report. Their actions violate FCRA because I do not owe any debt and they are using my personal information to pursue this scam and report inaccurate information to the credit bureaus. They know this is a false debt.
FTC, thank you for your help.
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| 03/20/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Between XX/XX/XXXX and XX/XX/XXXX I had received 2 letters from two different debt collecting agencies regarding the same collection of {$840.00} for damages made to a rental property after " moving out ''. I had immediately noticed that although I had lived in that community complex the unit in question was not the one i had rented and that in fact I wasn't even living in the same state where this property is located when a leasing contract was produced. I relocated to XXXX, XXXX in XX/XX/XXXX after accepting a full time job offer and the lease of the unit in question had been done in XX/XX/XXXX ; almost XXXX months after I had left XXXX, XXXX to work. Although I had never even seen the alleged unit I had recognized the number because it was the one that my sister moved in to in order to downsize and be able to stay in the same community with her son. Since I had moved out she didn't had the need for XXXX bedrooms anymore. The building management had added me to that new lease mistakenly and without my knowledge or authorization. The leasing offices knew about my relocation and I even reminded them of this after receiving a call regarding a work ordered for that apartment. The person I'd talked to apologized for the situation and reassured me that she was going to take care of things since my sister had moved to the unit had informed me that my sister had officially downsized and that they would take care of the misunderstanding. She said that was going to be very easy fixing this because although my sister had moved to the new unit 3-4 months already a lease for that unit hadn't even been created yet. Little did I know that a new lease would be done and that not only my name would be added but my signature was forged too. I found out about this on XX/XX/XXXX after one of the collecting agencies sent me copy of the documents they had as " proof '' that I was responsible for the amount mentioned earlier. I called them right away to inform them that I had been a victim of identity theft. I also informed them that I was actually waiting for a police officer to arrive to do an official report. Because I use a motorized wheelchair getting a last minute special transportation is close to impossible but to my surprise the officer I'd talked requested for an officer to come to me instead to take that report. In addition to the police report, I also completed online an FTC Identity Theft Report and sent out copies of these 2 reports and of all supporting documentation to the two collecting agencies as well as to the leasing company of the property in question. In the package sent out to both collecting agencies I included a letter I wrote to each of them summarizing the events, confirming that I had been a victim of identity theft and the debt was not mine. I'd mentioned what was included in the package and asked them not only to notify the property but to also please stop the collection proceeding and communication with me in accordance with the Fair Debt Collection Practices Act except as the Fair Credit Reporting Act allowed. Last but not least I'd asked them to send me a letter with the steps they planned to take to : a ) inform the property / community complex that the debt was the result of fraud, b ) stop collection proceedings against me and, c ) correct the information that they had reported to the three credit reporting companies. Although this letter I requested from each of them was never received I'd stopped receiving their calls and I slowly worked with each credit company to have that collection removed from my credit history. To my surprise though, a couple of days ago ( almost 4 years after this ordeal ) I received a letter from one of these debt collecting agencies warning me again about the same debt and advising me to call them as soon as possible in order to arrive to a financial settlement before they proceeded with notifying the credit companies. I was shocked and called them together with a representative from a security program I had enrolled in via my employer on XX/XX/XXXX at XXXX. We talked to one of the supervisors and explained everything. He'd let us know that the report against me had been sent to the credit companies on XX/XX/XXXX since according to the I had never submitted supporting documentation about my claim. I told him everything that had been sent to them back in XXXX and provided the day that they had received as I'd kept copies of everything including the postal service receipt with the tracking information which I'd followed closely. Initially he claimed that there was a typo because the 2 units only had one number that was different and that the property management was referring to the unit I had with. When he was informed that it couldn't have been because I'd had already relocated to a different state for the date the lease was created he asked me to submit copy of the lease from that state and that time period. I'd informed him that on the package I sent, as part of the supporting documentation I had included copy of the lease he was just requesting, copy of its renter 's insurance, copy of a utility bill, copy of my driver 's license containing the Unit I used to rent from the property that had made the false report and, copy of my new license containing the date I had changed it from the old state to the current. He left us on hold for a couple of minutes then proceeded to confirm that the original package sent in XXXX had indeed been received but that all the information provided was not enough and that they needed to send them more proof. What more proof than all the official documentation I'd submitted in a timely matter?! He wasn't able to provide me with specifics of the " documents '' they needed and simply proceeded to give me their new mailing address and his phone number before ending the call. I thought to myself, no wonder they never sent me a letter with their action plan because they were planning to continue harassing me almost 4 years later. I hope that the second debt collecting agency doesn't suddenly re-appear like this once since they never sent me their action plan either. What they have done and continue to do in their dealings with my case, not only violates federal law, but has caused XXXXXXXX XXXX XXXX XXXX XXXX that has and is, once again directly affecting my family, my work and my overall health and wellbeing.
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| 03/31/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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We signed a lease with XXXX XXXX to rent XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, Arizona, XXXX ( XXXX XXXX ), from XX/XX/XXXX, to XX/XX/XXXX.
Initially, the building had some disadvantages in that it had started out as a hotel, then become a residence for homeless people, before being refurbished for private studios. The homeless community a community that would later be formally classified as being among the highest risk for spreading the lethal worldwide Coronavirus pandemic locally resented the change of use and had a tendency to invade the premises and cause considerable disruption to the tenants ( and, no doubt, the management ). The elevator also had a glitch whereby it would regularly trap you inside it for several minutes before correcting itself. However, the biggest problem with the building only became apparent after XX/XX/XXXX, when we were urged to shelter in place by the Governor of Arizona because of the lethal worldwide Coronavirus pandemic.
Several tenants in the building had succumbed to viruses around that time, including both of us. Whether this was the Coronavirus or not that was being passed around the building is not known as no one was tested, there being no test available at the time. However, this made us extremely aware that the building was especially unsuitable for us in a time of a major lethal pandemic because of its inadequate ventilation and lack of sanitation protocols. The hallways began to stink of human body odors ( caused by XXXX ), and where there are XXXX there at also likely to be viruses.
Our particular risks in a time of a lethal worldwide pandemic is that my wife, XXXX, has had XXXX XXXX for XXXX years ( and therefore has a profoundly compromised XXXX XXXX ), and I have XXXX XXXX XXXX. XXXX regularly succumbs to viruses which, within a day, turn into XXXX and, most recently pleurisy. Therefore the insanitary state of the building due to its poor ventilation and poor sanitation was putting XXXX life at considerable risk in a time of a lethal worldwide pandemic, rendering it uninhabitable in our specific circumstances and absolutely not an environment where we should have been required to shelter in place.
We therefore immediately left the apartment in late XX/XX/XXXX, only returning a few days during XX/XX/XXXX to clear it out and clean it up. We gave XXXX XXXX 30 days notice of leaving the building and paid the full rent through the end of XX/XX/XXXX. XXXX deducted {$75.00} from our deposit for additional cleaning.
On leaving the building, we agreed with XXXX XXXX that we would return to the building to complete the remaining seven months of our contract when the lethal worldwide pandemic was over and we were no longer at heightened risk. XXXX XXXX, the XXXX Rentals agent we were dealing with, guaranteed us that the Coronavirus pandemic would be over by the summer, so we agreed to return to any available apartment in the building on XX/XX/XXXX, on the assumption, and with the pre-condition, that the Coronavirus would have been eradicated by then.
As you will be well aware, the Coronavirus epidemic was far from over by XX/XX/XXXX, and indeed XXXX Arizona saw the most new cases of Coronavirus per capita of any location in the world during the months of XXXX XXXX. Therefore, in recognition of the continuing threat of the Coronavirus, we informed XXXX XXXX in XX/XX/XXXX that we could not immediately return to the building, whereupon XXXX XXXX advised us, by email, that there would be a penalty for our failure to return.
Thereafter, we heard nothing from XXXX XXXX until early XX/XX/XXXX when a legal firm contacted us to inform us that we owed XXXX Rentals {$3900.00} for breaking our leasing agreement. We asked them to send us written details of the claim, but received nothing, so we contacted them ourselves to remind them we needed written details, but again they failed to provide them.
It was only when the legal firm logged the debt collection with XXXX and other credit agencies that we had access to the details of XXXX XXXX claim against us, which XXXX XXXX had supposedly sent to us at our former apartment in XXXX XXXX XXXX XXXX, XXXX the one place they knew we could not possibly be at the end of XXXX, XXXX.
Our refutation of XXXX XXXX demand for payment is that : 1. The lethal worldwide Coronavirus pandemic constitutes an act of God ; 2. In our specific circumstances, which were known to XXXX XXXX of XXXX XXXX, the poor ventilation in the building, its lack of sanitation protocols, and the proven transfer of viruses between the tenants recently within the building rendered the building uninhabitable for us during the lethal worldwide Coronavirus epidemic ; 3. XXXX XXXX failure to provide clean air ventilation and regular sanitation protocols within the building during the time of the lethal worldwide Coronavirus pandemic also constituted a fundamental breach of contract on their behalf in our specific circumstances which were known to XXXX XXXX ; 4. XXXX XXXX failure to provide clean air ventilation and regular sanitation protocols within the building rendered it a totally unsuitable environment for us to shelter in place as we were being required to do by the Governor of Arizona and the Mayor of the City of XXXX, and was therefore a violation of public policy relating to the lethal Coronavirus epidemic ; 5. As a matter of due procedure, XXXX XXXX and their agents have failed even to provide us with written details of their demand for payment, a demand we hereby refute the validity of.
As it happens, during XX/XX/XXXX, I was also diagnosed with a second form of highly aggressive XXXX ( XXXX XXXX ) and underwent XXXX in XX/XX/XXXX. We have since been forced to move for the foreseeable future to XXXX XXXX where the appropriate expert medical treatments are available to me, including the requirement that I undergo a year of XXXX and impending additional XXXX.
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| 02/28/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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At the beginning of XX/XX/XXXX, I sent XXXX a dispute letter for an apartment complex ( National Credit Systems/ XXXX XXXX ) that is trying to charge me a little over {$4000.00} and it being on my credit. The letter asked XXXX to validate the debt. I asked them to validate the debt because there is no contract with that apartment complex because it is void. It is void because a landlord tenant law was broken, which was they never identified the dwelling unit on the lease. As well, I asked them to validate the debt of ( XXXX XXXX XXXX/ XXXX XXXX XXXX XXXX ), which is a little over {$4000.00} reporting on my credit. When I received a response back by letter from XXXX, at the end of XX/XX/XXXX, they write that the debt was validated for National Credit Systems and XXXX XXXX XXXX. The problem with this is they never sent me physical proof of their validation.
So, XX/XX/XXXX I sent this letter to XXXX : XXXX, I am making a final good will attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, incomplete, and represent a very serious error in your reporting. Also be advised that this is my second time contacting your company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off. All in all, you have ignored my request to provide me with the documents that you have in your files that were used to verify the disputed accounts, which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly delete all information which can not be verified.
This law is as clear as daylight, as to the civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply with this Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I demand the following accounts be verified or deleted immediately : Account name : National Credit Systems.
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
Account name : XXXX XXXX XXXX.
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 611.
I have attached the following to this detailed dispute!
The following landlord tenant acts have been violated. Below are the following : XXXX. Disclosure and tender of written rental agreement : The XXXX has failed to identify the dwelling unit on initial contract. Therefore, it is void.
XXXX.
C. With respect to tenants who first occupy the premises or enter into a new written rental agreement after XX/XX/XXXX, upon move in a landlord shall furnish the tenant with a signed copy of the lease, a move-in form for specifying any existing damages to the dwelling unit and written notification to the tenant that the tenant may be present at the move-out inspection. Upon request by the tenant, the landlord shall notify the tenant when the landlord 's move-out inspection will occur. If the tenant is being evicted for a material and irreparable breach and the landlord has reasonable cause to fear violence or intimidation on the part of the tenant, the landlord has no obligation to conduct a joint move-out inspection with the tenant.
If your company, XXXX, fails to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in XXXX v. XXXX XXXX XXXX No. XXXX ( XXXX. XX/XX/XXXX ), you may be liable for your willful non-compliance. This is not legal advice. I do not offer legal advice. If you need legal advice seek yourself an attorney or counsel. Please be advised, the information I am about to share with you is for educational, informational and entertainment purposes only. Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act By provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my credit report IMMEDIATELY. It is my understanding that you will recheck these items with the creditor who posted them. Please send an updated copy of my report to the above address.
Sincerely, XXXX XXXX After sending this letter XX/XX/XXXX I have never got a response.
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| 11/30/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 ( XXXX ) 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 XXXX 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 ) ( XXXX ) of THE FAIR CREDIT REPORTING ACT ( 15 U.S.C XXXX 1681s-2 ( a ) ( XXXX ) is amended ( XXXX ) 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 ( XXXX ) 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 ( XXXX ) 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 ( XXXX ), 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. XXXX. NATLCRSYS bal. {$11000.00} 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 ( XXXX ) Block of information resulting from identity theft. XXXX.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 ( XXXX ) business days after the date receipt by such agency of XXXX. Appropriate proof of identity of the consumer ; XXXX. A copy of an identity theft report XXXX. The identification of such information by the consumer ; and XXXX. A statement by the consumer that the information relating to the transaction by the consumer. I have provided all of the above listed four ( XXXX ) items within this package. Therefore, I expect these listed accounts to be deleted and blocked within ( XXXX ) 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 XXXX XXXX XXXX, Iowa XXXX
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| 12/10/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 XXXX 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 ( XXXX ) 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 ( XXXX ), before the end of the XXXX 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 SYSTEMS & BAL. {$1900.00} 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 with 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 identity theft reports 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
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| 12/08/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 XXXX 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 SYSTEM & BAL. {$4700.00} 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 po box 4503 Iowa City, Iowa 52244
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| 12/24/2021 |
Yes |
- Debt collection
- Credit card debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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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 SYSTEM bal. {$1300.00} 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 XXXX XXXX XXXX, Iowa XXXX
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| 11/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 XXXX 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. XXXX XXXX bal. {$15000.00} 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 po box 4503 Iowa City, Iowa 52244
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| 12/22/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 XXXX 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. NATLCRSYS bal. {$2900.00} 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 po box 4503 Iowa City, Iowa 52244
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| 11/26/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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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 XXXX 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 XXXX 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 XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX 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 XXXXday 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. XXXX bal. {$1300.00} 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 ( XXXX ) 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 XXXX XXXX XXXX, Iowa XXXX
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| 07/24/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Original Creditor : XXXX DBA XXXX XXXX XXXX DBA XXXX XXXX XXXX XXXX XXXX XXXX : National Credit Systems XXXX XXXX XXXX, XXXX, GA XXXX Agency Phone Number : XXXX Information about rental dwelling : Address in question : XXXX XXXX XXXX XXXX XXXX Apt # XXXX, XXXX, KS, XXXX Move In Date : XX/XX/XXXX Monthly Rent : {$570.00} Lease Terms : 13 Months Satisfied Months : 9 Remaining Lease : 4 Months Remaining Contract Amount : {$2300.00} First reported amount to collections : {$3600.00} Important information related to living conditions provided during move in : This unit was leased as a Joint Account and at the time we took possession of the dwelling we were handed an article by the office staff titled " Mold- How to Make Your Home Mold-Free and Keep It That Way '' and told that there had been limited cases of non-threatening mold in some of the units. We were not presented this information until after we had signed the lease agreement. Information related to violations of Kansas Statute Chapter 58 Article 25 : During the course of occupation of the dwelling on 5 separate occasions the management office of XXXX XXXX apartments attempted to fraudulently collect fees and additional payments by leaving notices on our door that rent had been paid past due, not at all, or with insufficient funds. I had to personally dispute these allegations and all were overturned based on physical evidence I was able to produce at the time via bank statements and check images. We were regularly harassed about our rent payments and our maintenance requests were intentionally ignored by the property management team until we " smartened up and did what was good for us '' or " learned the management was n't to be XXXX with. '' This is a major ethical violation pertaining to Kansas Statute Chapter 58 Article 25 and many subsequent Kansas Laws for the Fraudulent and Unethical charging and collection of debts. Major event leading to termination of lease : During the course of occupation of the dwelling we discovered a significant black mold infestation and had become dangerously ill and when we informed the property management team we were told " tough XXXX we told you when you moved in how to take care of it yourself ''. Pursuant to KS 58-2559 " Material noncompliance by landlord ... '' We submitted in writing, on XX/XX/XXXX, that we would be vacating the unsafe conditions of the dwelling within 30 days if the property management team continued to refuse to bring the dwelling within health and safety compliance to which we received our noticed crumpled and stapled to our door. We vacated the dwelling and left it in the same condition in which it was presented to us ( which I still to this day have photograph evidence of ) and left a forwarding address for a final bill. Failure to comply with FDCPA guidelines on reasonable collection practices : XXXX XXXX XXXX ( Landlord ) failed to make the following actions applicable to Kansas Law. 1. Mitigate loss with reasonable attempt at re-renting. 2. Produce documentation that clearly conveys all activities related to re-renting. 3. Offer the dwelling at a fair market value and within health and safety code. 4. Participated in an " illegal eviction '' to try to monetarily gain. 5. Collected double rent. Additional areas of concern. The landlord failed to produce a final statement. The landlord refused to produce an itemized statement of charges after the lease was terminated. The landlord failed to make a " reasonable attempt '' to collect or communicate the debt before reporting it to credit reporting agencies. The landlord failed to provide documentation related to the agency that would be contacting me about the debt. The landlord made false claims, misrepresentations of legal action, and XXXX XXXX intentionally made false and deceptive claims that he would exonerate my liability to this property on multiple occasions. The collection agency involved, National Credit Systems ( Agency ) also violated FDCPA during the course of the last 5 or more years by doing the following. The agency declared it was a legal firm or attorney. The agency refuses to produce documentation or a statement of charges. The agency has contacted me on a employers phone line, after being informed it was my employers phone number. The agency has threatened to publicize my debt. The agency has threatened to publicly embarrass me and defame my character and credit profile. The agency has called me in the middle of the night. The agency has threatened to tell other creditors not to lend to me. The agency has tried to belittle, degrade, embarrass, berate, and intimidate me into paying a debt that I have disputed. The agency has refused to respond to disputes requested by legal representation. The agency has intentionally and knowingly destroyed documentation or evidence of my interactions with their agents. Inability to seek legal resolve or representation : Once I had begun to understand the damaging nature of this claim I sought legal assistance to help me contest and refute these claims in a court of law. I called over 100 licensed attorneys and every single one of them told me that they either could not represent my case because of a conflict of interest with XXXX XXXX XXXX XXXX, XXXX, or that they would not represent my case because of the blatant and unconscionable corruption of the XXXX XXXX and their dealings with the legal system in the State of Kansas. This debt, which I believe is unsubstantiated, invalid, and illegitimate based in law, has defamed my credit character and caused me significant pain, suffering, and financial hardship. I believe that both the Landlord and the Agency should be held accountable for their actions and forced to remedy these horrible acts.
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| 06/12/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Very simple National credit system refused to validate the accounts and debt they claim I owe them or a creditor.
This is what I sent them ... ...
XXXX XXXX ADDRESS XXXX XXXX CITY, STATE ZIP XXXX, MI XXXX National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX Re : account debt {$2200.00} and {$3500.00} To whom this may concern, Ive received a copy of my credit report and you are claiming I have an account with you or I owe you something. I have never entered into any business arrangement and I have never signed any contract to conduct any kind of business with you. You have yet to produce a certified seal copy of the WET INK promissory note, the law states that before you collect any information, about me, you have to get my authorization to access my credit report for any reason. You didnt do that first, and theres no way I would ever give a slimy collection company permission to slander me on my credit reports. Heres the law in case you never read it before.
( o ) Excluded communications. A communication is described in this subsection if it is a communication ( 5 ) with respect to which ( A ) the consumer who is the subject of the communication ( i ) consents orally or in writing to the nature and scope of the communication, before the collection of any information for the purpose of making the communication ; ( iii ) in the case of consent under clause ( i ) or ( ii ) given orally, is provided written confirmation of that consent by the person making the communication, not later than 3 business days after the receipt of the consent by that person ; Now, I am also exercising my right under the FDCPA to dispute the alleged account and demand validation from you. Ill break it down very easy for you. But know this, should you fail to provide every single thing I request form you, and dont worry, the list will be short, sweet and to the point, you will be required to cease all collection activity immediately. Notify me in writing that you indeed are ceasing and deleting all information you have furnished to any and every one of my credit reports from every single credit repository to which youve submitted this unverified and un-validated information. This is request of PROOF OF CONTRACT to substantiate your claim. Therefore, youll need to provide me with a CERTIFIED copy of an authenticated original contract with my signature, Specially Naming National Credit Systems as an entity entitled to enforce a commercial claim You do not conduct commerce ) against me.
*Certified shall be done through the presence of a notary public, who authenticates and duly swears the copy made is in fact a copy of the original paper contract in question ( meaning the original contract from the original creditor would need be provide to the notary, and the notary would need to make the copy themselves ).
You will also need to provide the following : Provide a CERTIFIED copy of Authorization signed by me, naming your company as having my consent to furnish, update, verify, inquiries, add comments and/or dispute codes of any access to my personal credit report/file.
Provide a Certified copy of my full chain of assignment starting with the original creditor to any and every 3rd party collection company to present.
Provide a full accounting. Every charge, every payment, every fee, interest, credit, and any other amount attributed to the alleged account, and the date on which each event occurred, as well as a description of each event or purchase causing an amount to allegedly be owed.
Your failure to respond and provide strict proof of contracts and all the items noted above, presented to me in certified format, sworn under Penalty and Perjury and Authenticated by a notary, will constitute your tactic agreement that you are not entitled to enforce a claim against me. In the event you continue your collection efforts against me without providing proof of contract, I may do one or more of the following : File a complaint with the Attorney General File a complaint with the XXXX XXXX XXXX File a complaint with the Consumer Financial Protection Bureau File a complaint with the Federal Trade Commission File a Police Report against your company for harassment, invasion or privacy and attempting to extort money.
File a Law Suit against you for harassment, fraud, extortion, and invasion or privacy.
You have 15 days upon receipt of this letter to provide strict proof of contract. DO NOT SEND ME ANY BILLS AND OR PAYMENT RECEIPTS FROM ANY OTHER COMPANY. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Sincerely, Cc : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX XXXX, IOWA XXXX FEDERAL TRADE COMMISSION XXXX XXXX XXXX XXXX WASHINGTON, DC XXXX I have not received any answer from National Credit System.
Please inform them not to only end me a bill. I need validation with document asked from above.
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| 06/27/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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InXX/XX/2019, my previous apartment complex forwarded a balance to National Credit Systems after ignoring my attempts to resolve the issue ahead of time. On the first phone call between myself and National Credit Systems ( XX/XX/2019 ), I informed the agent that the terms set in the lease for charging and collecting balances after move out had been violated, and we had made multiple attempts to discuss the matter directly with the apartment complex. The agent told us that essentially the legality of the debt owed is not their concern, and any legal action we take against the apartments for improper collection of debt is out of their hands and will not prevent them from reporting the unpaid debt and harming our credit if the balance is not paid. I also informed the agent that I had proof of payment of the portion of the balance they had in collection that had previously been paid, and inquired what proof was necessary to have this removed from the balance. Agent stated this could not be removed unless the apartments verified receipt of payment. Informed the agent at National Credit Systems that payment had been sent via certified mail by traceable money order, and I could provide proof at any time. At this time, the agent promised to provide us with written notification of the debt owed by email ; this e-mail was never sent out.
On XX/XX/XXXX, I called National Credit Systems again to request the written notification of debt owed, and finally received an email. Agent informed me that she would open a 30 day dispute process during which National Credit systems would attempt to clarify any discrepancies on balances owed and look in to the claims made during the original phone call. Agent reminded us again that if we choose to wait for the apartment complex to respond, this situation will negatively impact our credit report once National Credit Systems changes our accounts status to default. Agent made it clear that even if we don't owe the money, we will need to set up a payment plan of some kind with National Credit Systems to keep them from putting our account in default status and negatively impacting our credit.
On XX/XX/XXXX, I called National Credit systems to confirm they had received the proof of payment, asking again if this portion of the balance had been removed from the balance held in collections. The agent confirmed this proof had been added to our file. However, the balance owed to National Credit Systems was not adjusted. I was also informed by the agent that our previous apartment complex had not responded to any request for clarification, the dispute window would be closed, and to avoid having the account status placed in default and reported negatively to our credit, we would need to set up a payment plan regardless of the questionable legality of the debt sent to collections. The agent offered me a " settlement '' in the amount of {$430.00}, I believe. According to the agent, if paid immediately, our account would be considered closed and nothing would be reported to the credit bureaus. I can not confirm this amount exactly, because the agent promised to send information by email, then later said on XX/XX/XXXX it is against management 's policy to send any information in paper or email format regarding settlement amounts offered to close the account. The agent still avoided my question about removing the balance not owed, and instead told me that the settlement offered encompasses a larger deduction than the amount made, making it sound like some kind of deal I should consider taking.
During the XX/XX/XXXX called, I again informed National Credit Systems that I planned to file a case with the county against the apartments, and the agent stated that this was " our word against theirs '', offered me another settlement that was a slightly lower dollar amount than the previous one mentioned, and told me that if I choose not to take the settlement or wait for the outcome of the legal case, on XX/XX/XXXX, National Credit Systems planned to move forward in changing the account status to delinquent and negatively impacting our credit.
There is an open court case in our county of residence regarding the legality of the charges our previous apartment claims that we ( my husband and I ) owe them, and this has also been communicated to National Credit Systems as recently as XX/XX/XXXX. I called National Credit Systems and asked to speak to a supervisor to inquire why the balance had not been adjusted and again inform the agency that a court case had been filed against their client who had turned the balance over to them. As of XX/XX/XXXX, none of the balance has been adjusted, including the portion I have proven we have paid although proof of payment has been mailed directly to National Credit Systems.
I have also mailed them a letter by certified mail, which included a copy of the small claims court case for breach of contract, requesting that they postpone changing our account status to default until after we have reached a resolution between myself and their client regarding whether or not the balance turned over to collections now.
As it stands, our only remaining option is to open a payment plan account with National Credit systems and begin making payments on a balance that is in collections that we do not feel we owe since nothing we have said has convinced them to postpone changing the status of our account.
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| 06/18/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Summary : XXXX XXXX ( my former Landlord ) and National Credit Systems ( a collections agency ) are falsely reporting to the credit reporting agencies that I owe a balance of {$10000.00} I have disputed this allegation to XXXX XXXX, National Credit Systems, and the Law Office of XXXX XXXX XXXX ( a second collections agency hired by XXXX XXXX ) but my dispute has been ignored. I also disputed this false debt with XXXX who deleted this collections account in its entirety from my XXXX credit report following an investigation based on the materials I provided to them. XXXX and XXXX have refused to conduct an independent investigation, instead they are relying on the false claims of XXXX XXXX and its agents.
Full Account : I do not owe any amount to XXXX XXXX, the original creditor on this collections account and my former landlord. By way of background, XXXX XXXX and I entered into a lease agreement with XXXX XXXX on XX/XX/XXXX ( Lease Contract ) for the rental of a two-bedroom apartment in downtown XXXX XXXX, CA. In XXXX XXXX, XXXX XXXX breached a material provision of the Lease Contract by unilaterally reclaiming one of our expressly contracted-for parking spots during the lease period. We informed XXXX XXXX management, in writing, that its decision was in violation of the terms of the parties Lease Contract, but to no avail. In the face of this wrongful conduct, which under the circumstances had a significant and adverse impact on our rights and personal security, we made the decision to make other housing arrangements. We provided 30-days written notice of our intent to vacate the premises, and we vacated the premises in accordance with our legal obligations on XX/XX/XXXX. We satisfied all of our rent and related financial obligations through the move-out date, as acknowledged by XXXX XXXX in its final move out statement.
What National Credit Systems/XXXX XXXX refer to in the credit reporting as the balance owed is the remaining amount of a 2 month concession return, such concession being a one-time credit off of the rent, which they claim is recoverable under the terms of the Lease Contract. This claim has never been substantiated and is totally bogus for several reasons.
First, the return of the concession credit, extended to XXXX XXXX and me as an inducement to enter into the Lease Contract for the two-bedroom unit, is not owed to XXXX XXXX because it breached the Lease Contract by unilaterally, and over our objection, taking back one of the two parking spots we expressly negotiated for and then reduced to writing in a written addendum to the Lease Contract. XXXX XXXX can not void or unduly restrict our bargained-for rights under the Lease Contract by reclaiming a parking spot, and then effectively demand that we stay and pay rent through the entirety of the lease term or leave subject to the threat of claims for damages and penalties, as well as intimidation through the false claims published to third party creditors by means of your credit agency.
Second, the language of the Lease Contract itself undercuts National Credit Systems/XXXX position that it has any legal right to the return of a past rent concession. Paragraph 31, under the heading Default by Resident states, in pertinent part, If you default and move out early, you will pay us any amounts stated to be rental discounts in paragraph 10, in addition to other sums due. However, we did not default ( as previously explained ) and paragraph 10 of the Lease Contract is totally silent on this particular issue. The Lease Addendum for Rent Concession or Other Rent Discount, attached to the Lease Contract, does not extend to XXXX any broader rights to recoup the value of the concession credit.
We have repeatedly notified XXXX XXXX and its agents that we do not owe them any amount and have supplied the bases for such position, but that, to the contrary, they are unlawfully withholding part of our security deposit for the apartment. Besides ignoring our supplied bases and our requests that they return the money they owe us, we have received nothing more than threats to our financial security if their demands are not met.
National Credit Systems, the collection agency, has ignored my communications and ignored their requirement to provide proof of debt validation under the Federal Debt Collection Practices Act ( FDCPA ). In early XX/XX/XXXX, I received my first letter from National Credit Systems, demanding that I pay the amount of {$10000.00} without any explanation of the amount owed. This amount is greater than the prior itemized amounts provided by XXXX XXXX and its principal XXXX. I contacted National Credit Systems by phone on XX/XX/XXXX to explain that I do not owe any amount. Following that phone call, I mailed a certified letter to National Credit Systems providing written notification that I dispute the entirety of the alleged amount owed. National Credit XXXX received my letter on XX/XX/XXXX and proceeded to ignore my letter, reported my account to the credit bureaus, and continued sending me additional letters demanding payment, all in violation of their FDCPA requirement to cease collection of the debt until they obtain a verification of the debt or a copy of the judgment ( which does not exist ) and mail me a copy of such verification or judgment.
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| 03/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I do not consent to the disclosure of my credit information to any third-party entities unless they have a legitimate business need for the information in connection with a business transaction that is initiated by me, as provided for in section 604 ( a ) ( 3 ) ( F ) ( i ) of the FCRA.
Please be advised that I do not authorize any person or entity to access my credit report for any other purposes, including marketing, pre-screening, or employment screening.
I understand that, Section 6801 of the Fair Credit Reporting Act ( FCRA ) The section requires CRAs to establish and implement reasonable procedures to protect the confidentiality, accuracy, and integrity of nonpublic personal information that they collect and maintain. This includes personal information such as a consumer 's name, address, Social Security number, and credit information.
In addition to requiring CRAs to safeguard consumer information, section 6801 also limits the circumstances under which they may disclose nonpublic personal information to third parties. Specifically, CRAs may only disclose such information if it is : Required or permitted by law Necessary to effect, administer, or enforce a transaction that a consumer requests or authorizes Necessary to protect against or prevent actual or potential fraud, unauthorized transactions, claims, or other liability Required for regulatory compliance or to comply with a valid legal process The section also requires CRAs to provide consumers with notice of their privacy policies and practices, and to allow consumers to opt out of having their nonpublic personal information disclosed to certain third parties, such as affiliates for marketing purposes.
Because the companies did not comply I the must follow FCRA 6802 ( C ). As stated below.
Section 6802 ( a ) : " ( a ) Disclosure of reports to consumers. A consumer reporting agency shall make all disclosures pursuant to section 609 of this title [ 1681g ]. '' Section 6802 ( b ) : " ( b ) Disclosure of reports to third parties. A consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 1 ) In response to the order of a court having jurisdiction to issue such an order.
( 2 ) In accordance with the written instructions of the consumer to whom it relates.
( 3 ) To a person which it has reason to believe ( A ) intends to use the information in connection with a credit transaction involving the consumer on whom the information is to be furnished and involving the extension of credit to, or review or collection of an account of, the consumer ; or ( B ) intends to use the information for employment purposes ; or ( C ) intends to use the information in connection with the underwriting of insurance involving the consumer ; or ( D ) intends to use the information in connection with a determination of the consumers eligibility for a license or other benefit granted by a governmental instrumentality required by law to consider an applicants financial responsibility or status ; or ( E ) otherwise has a legitimate business need for the information in connection with a business transaction involving the consumer.
( 4 ) In response to a request by the head of a State or local child support enforcement agency ( or a State or local government official authorized by the head of such an agency ), if the person making the request certifies to the consumer reporting agency that ( A ) the consumer report is needed for the purpose of establishing an individuals capacity to make child support payments or determining the appropriate level of such payments, or enforcing a child support order, award, agreement, or judgment; and ( B ) the paternity of the consumer for the child to which the obligation relates has been established or acknowledged by the consumer in accordance with State laws under which the obligation arises ( if required by those laws ).
( 5 ) To an agency administering a State plan under section 654 of title 42 for use to set an initial or modified child support award.
( 6 ) To a Federal, State, or local agency that administers a program for establishing and enforcing child support obligations, upon its request, for use in locating individuals for the purposes of establishing paternity and child support obligations, or for enforcing child support obligations, and only to the extent necessary for such purposes.
( 7 ) To a potential investor or servicer, or current insurer, in any transaction that concerns the assignment, sale, or securitization of all or a portion of a lenders rights or interests in a consumer credit transaction that was not originated by the investor, servicer, or current insurer.
( 8 ) To the Federal National Mortgage Association, the Federal Home Loan Mortgage Corporation, or any private mortgage insurer, in connection with the issuance, renewal, transfer, or servicing of any loan secured by residential real property. '' Section 6802 ( c ) : " ( c ) Protection of medical information. Except as provided in section 604 ( g ) ( 2 ) of this title [ 1681b ( g ) ( 2 ) ], a consumer reporting agency shall not furnish for employment purposes, or in connection with a credit or insurance transaction, a consumers medical information that is obtained from a medical information furnisher. ''
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| 03/28/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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My name is XXXX XXXX, This all started when I started to get a mortgage and I was instructed to have a dispute mark removed from my credit. Just the dispute mark, not the debt itself. I was taking ownership of the debt. I had originally disputed this with the credit bureau, so I called them first to have the disputed mark removed not the debt. They did their process and it was done fairly quickly, I called National Credit Systems that day after speaking with all 3 credit bureaus to inform them not to report it as disputed as a heads up. National Credit systems sent me to the Law Offices of XXXX XXXX XXXX, XXXX. in GA. and I spoke with XXXX. XXXX XXXX XXXX was very rude to me on the phone as I was just informing them not to report it as disputed. XXXX XXXX XXXX states : " We are not on your credit file therefore if you disputed it with the credit bureaus you will need to speak to them ''. I said, " Sir I understand what you are saying, however, National Credit Systems directed me to you because you have my account and are managing it, therefore you can make sure that is not reported as disputed because that is not accurate reporting ''. XXXX XXXX XXXX repeated himself and was very rude to me, it is all in the recording. I then asked for a Supervisor and asked him how long is the wait 24 to 48 hours? I can wait no worries. XXXX XXXX XXXX said " I will not send you to a supervisor because they will tell you the same thing ''. I then asked " XXXX XXXX XXXX are you denying me a supervisor call? He responded with " Sir I can send you to one right now, you are all over the place sir. '' he then transfers me to a supervisor whose name I don't remember and he also said the same thing and i said can you guys take a settlement or a payment plan? the supervisor says let me check and asks how much can I pay? I said probably about XXXX maybe. He said " No call me when you get closer to the balance '' So we then start talking about the age of the debt and the 7 years and I told him : " I would not be able to pay more until it's probably closer to the 7 years or if they take a lower settlement if at all ''. The supervisor says : " Well then they will probably get a move on it then '' I took that kind of language as a lawsuit and it caused me more stress on top of what they had already caused me. So now I'm stuck where no one is willing to help me and I start to feel stressed. I decided to wait to see what the bureaus do. I then had the mortgage company run my credit again and it was showing up again as disputed at this time I was speaking with either XXXX or XXXX when the woman said that National Credit Systems had reported it that the Sunday of last week as disputed. So I redo the process again and I call National Credit Systems afterward to inform them of what happened and that they reported it again as disputed causing me more stress and financial burden because I have to pay for every time the report is pulled. I spoke with the National Credit systems Operator who then sends me back to the same XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. I get XXXX XXXX XXXX again. XXXX XXXX XXXX again as I tried to explain the situation and how National Credit Systems reported it again as disputed after I called them and called all 3 credit bureaus. XXXX XXXX XXXX repeated again what was mentioned above " They are not showing on my credit file, therefore they can't help me ''. However, they are collecting on behalf of National Credit systems and NAtional Credit Systems keeps sending me to them. He then says : " I can send you the credit bureaus information to call them ''. XXXX XXXX XXXX was not listening to me and what I was trying to tell him. I then asked, " XXXX XXXX XXXX, I understand what you're trying to tell me but that has already been done, who can I speak to about this dispute mark to make sure they stop inaccurately reporting it? XXXX XXXX XXXX states : " Sir you can speak to whoever you want to speak to in the world but I can not help you or give you any advice '' So I told him " if you inaccurately report this again I will file a lawsuit against your agency ''. At this point I was so stressed I could not even think straight, this is not good at all that this office does this violent collection practices. So I call National Credit Systems and inform the operator that they do not want to help me or say they can't help me and XXXX states that " they can help me '' and proceeded to read a note on the account that they placed that reads : " That I do not wish to speak to them '' which is also completely Inaccurate. XXXX then gives me a phone number to call who is a direct line to XXXX XXXX XXXX apparently when I dialed XXXX XXXX XXXX and I left him a voice mail and he has not yer return my call. Please review these calls from Friday XX/XX/2023 and Monday of this week XX/XX/XXXX. It's all there. PLEASE HELP ME with this I don't know who else to turn to about this! No one is willing to help me resolve this issue. They also did divulge to me that it was a joint account with my ex-wife and they were not supposed to do that. They released personal information about another person who is my ex-wife and we are divorced.
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| 01/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am writing this report in regards to a defiance, abuse of power, to disparage my name within the HUD, Section 8 rental agency since I am on the waiting list since XX/XX/XXXX. A creditor named National Credit Systems did not properly abide by the " Fair and Accurate Credit Reporting Act '', provided a " false '' reason on my XXXX XXXX credit report has to a " resolution '', but not a " removal '' as a resolution. The statement on my credit report says " obtained a resolution '', consumer denies the resolution. '' This is a fraud based credit reporting from National Credit System, as the original creditor is XXXX XXXX, from an address at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX, as I reported a change to the HUD, Section 8 office at XXXX XXXX XXXX XXXX, XXXX, Florida XXXX in XX/XX/XXXX three months prior to a XX/XX/XXXX illegal eviction. The fraudulent amount of money is {$2900.00}. The account is within the collection agency department/agency/attorney, since I have a DOJ/FBI Case Number of XXXX, along with a now XXXX XXXX XXXX 's Office case number of XXXX as I have reported other " identity theft '', other " fraud '' issues since XX/XX/XXXX. Currently, the account of XXXX states a " loan '' amount of {$2.00}, XXXX with comments of " dispute resolved '', " consumer disagrees ''. This is because an improper, illegal investigation happened to where my Civil Rights were/are/have been violated under the Fair and Accurate Credit Reporting Act due to a situation that involves " politics '', and I am the " victim of the circumstances '', the " collateral damage '' from the fall out. This is where the DOJ XXXX comes in as I have continued to stand up for myself. As of now, I am on the Section 8 waiting list in XXXX XXXX, XXXX, Florida, the unincorporated area of XXXX XXXX, Florida. The most concerning is the " creditor classification '' " rental_or_leasing. These are disparaging remarks on my credit report to all three credit bureaus, defames my character, has violated my " Civil Rights '' from all aspects where I have not been verbally heard as to my resolution which is a removal due to a fraudulent attempts to obtain money that is not rightfully collected under the Fair and Accurate Credit Reporting Act. I have filed several XXXX XXXX XXXX XXXX police reports, have a XXXX XXXX that has approved several permanent case numbers coming from the FTC, this agency CFPB. I am seeking to press formal charges against the National Credit System for " abuse of power '', illegally denying my civil rights to be heard that deems this " negative '' credit report as " potentially negative ''. The charges will stem from 1 ) an ongoing Civil Rights violations, 2 ) to the fraudulent attempts to collect the 2, XXXX over a year time frame from an illegal eviction after " reporting a change '' to the HUD, Section 8 office with regards to a " change in rent " request that was completely over looked as " abuse of power '', 3 ) that under the Sixth Amendment it seems that it is one -sided that I am not entitled to legal representation when in fact I am under the Sixth Amendment, so I am seeking " enforcement '' of a consumer rights to have acknowledged an appropriate resolution since this agency fraudulently reports to all three credit bureaus because of the attorney on file. Lastly, I am seeking compliance of the removal of the fraudulent " loan '' collection, the removal of the " dispute resolved '' from the collection agency, but not on my behalf, also as " consumer disputes after resolution '' comes from a one sided frame of mind, instead of all parties, such as myself, seeking a complete removal from the fraudulent attempts to collect monies that are not rightfully justified since I " reported a change '' to the Section 8, HUD Office in XX/XX/XXXX. I will be seeking punitive damages of 2, XXXX as restitution times the two years that I was continually harassed by this collection agency after the illegal eviction, the defamatory remarks on XXXX XXXX acknowledged as " creditor classification '' of " rental or leasing '' to which I have a goal to go back to work in XXXX, Florida and live at a apartment complex where I can walk to work. Finally, my overall reasons for this complaint with your agency is 1 ) I am not liable for this collection due to " abuse of power '' from the local sheriff office even after I continually disputed this debt collection for the last two years as if I caused the situation, but the situation was already underlying, so I am not liable for the collection, and 2 ) this collection is fraudulent due to the illegal eviction that had me homeless for two years until I was randomly picked again to be on the HOME Voucher Section 8 waiting list. This is also an attempt to refrain from being homeless again, by filing this complaint for the removal of the illegal reasons, classifications, and to live and work conveniently. I can be reached at XXXX, email at : XXXX, and address of XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Florida XXXX. I have already filed a dispute with XXXX XXXX, the confirmation number for the XXXX is XXXX, and all police case numbers are ongoing reporting.
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| 03/06/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I was never contacted by my previous leasing company about this debt, only by the debt collection agency. After several long phone calls and 2 disputes, I submitted this final letter following letter with a receipt of my last payment to my previous leasing company, and a balance of XXXX. I ask them to verify themselves and the debt by providing me with a copy of my leasing agreement. They ignored the new evidence I provided closed the dispute and did not provide all the information I asked for.
XX/XX/XXXX : " To whom this may concern A mistake was made on behalf of The XXXX XXXX, as I was charged after my lease ended and paid my remaining balance. They never reached out or contacted me about the alleged debt.
After several contentious debates and over-talking from the representative assigned to my account and a supervisor, I have yet to receive any explanation as to exactly why I owe this money or an answer to any of the questions I asked. I no longer authorize nor permit any communication via phone calls. You may only contact me about the alleged debt through mail or email. Also do not contact me via my employer as my employer strictly prohibits communications like this In this letter is the rental ledger from XXXX XXXX in XXXX showing said balance and screenshots from my XXXX XXXX with XXXX XXXX showing I owed no further debt since the XXXX of XX/XX/XXXX.
If I am to pay this alleged debt I need the following information from National Credit Systems : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written and signed lease agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due and when it became delinquent.
Identify the date of the last payment made on this account.
Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us ''
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| 01/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Dear sir or madam, I have reached out to XXXX so many times i cant count, I need you as a company to thoroughly investigate these companies that are saying a debt is validated, Please note that this means i need a legal contract with my signature and also a lease and drivers license for an apartment that they are saying i leased when i have lived in XXXX XXXX for the past 6 years never XXXX Arizona, Please provide me with a lease, drivers license and signature on lease for these creditors as ( national credit systems ) {$13000.00} at XXXX XXXX who said that unit has been leased well over 5 years ago and also states they have no lease of me living there, which i know national credit systems does n't have proof of this debt as they asked me for documentation as i have included proof and ( XXXX XXXX XXXX ) the company that sold the debt is not in business and i 'm sure you do n't have documents saying this is my debt like a lease nor a signature or drivers license, yet you are stating i owe your company $ {$40000.00}, now i have done my research and Im a resident of the state of Louisiana and would like you to know the prescription law here is the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties. Acts 1986, No. 1031, 1. civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!! The following accounts listed on my credit as follows XXXX XXXX XXXX- over 3 years old reporting as open even though its charged off. Not a business in Louisiana and also been over 3 years.
I fully researched my rights and found that the fair credit reporting act does not allow you to victimize innocent credit worthy people by reporting erroneous false information, under the FCRA, the following applies to me : FCRA 623 ( a ) ( 7 ) negative information ( A ) Notice to consumer Required ( I ) In general. If any financial institution that extends credit and regularly and in the ordinary course of business furnishes information to a consumer reporting agency described in section 603 ( p ) furnishes negative information to such an agency reporting credit extended to a customer, the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer.
( II ) Notice effective for subsequent submissions. After proving such notice, the Financial institution may submit additional negative information to a consumer reporting agency described in section 603 ( p ) with respect to the same transaction, extension of credit, account, or customer without providing additional notice to the customer.
( B ) Time of notice ( I ) In general, the notice required under subparagraph ( A ) shall be provided to the customer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ).
( II ) Coordination with new account disclosures. If the notice is provided to the customer prior to furnishing the negative information to a consumer reporting agency, the notice may not be included in the initial disclosures provided under section 127 ( a ) of the truth in lending act.
As I stated before, this is my final Request for you to do as you are governed by FCRA. If this final request does not prompt you to conduct a proper investigation of the accounts in question, I will be forced to file suit against your company in the county in which I live. That way, you can travel here in order to defend yourselves.
I demand that you correct my account to show to paid as agreed-never late and remove the inaccurate data, or I will seek legal action and remedy, as I found out my right if you are victimize me by reporting false information about me to/on the credit bureau
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| 12/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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After multiple disputes and demands for validation of debt pertaining to entries placed on my consumer credit report by National Credit Systems, I finally had a small amount success as evidenced by the deletion of the entry inaccurate information from the XXXX consumer credit report, as reported XX/XX/2021. This would be the second time within 60 days that the company removed or closed the account which indicates there was a reinsertion since its initial closure on XX/XX/XXXX, XXXX as evidenced by previous reports. Unfortunately, after deleting the entry from XXXX XXXX, this company updated the inaccurate information as " disputed but verified as belonging to consumer '' on the XXXX consumer credit report XX/XX/2021. KNOWINGLY AND WILLINGLY causing harm and detriment to the consumer by deliberately tainting the report used to determine a consumer 's credit worthiness and reputation in commerce. I reached out to the company to discuss the continued violation of consumers rights following the clear admission of guilt of violations ; as evidenced by the deletion from the XXXX report. During the phone conversation I was met with extreme opposition and antagonizing antics. On the XXXX day of XXXX, 2021 at approximately XXXX, I called the number provided on the consumer credit report for National Credit Systems. An operator who introduced herself as XXXX, I provided this operator with my first and last name, account number of the disputed entry provided on the consumer credit report, and the last four digits of the social security number associated with said account, in order to verify my identity. The call was transferred and continued with a representative who upon answering introduced himself as XXXX XXXX XXXX. I provided XXXX XXXX with the same verifying information I provided to the operator, and XXXX XXXX responded by stating, We ( National Credit Systems ) dont have account number that start with the number ''4 ". I informed XXXX XXXX that this is how the account appears on the consumer credit report, and I have no further verifying information that I am able to provide because I do not, nor have I ever had, or given consent to, a contract with the Defendant. XXXX XXXX confirms that he is unable to locate the account with the information provided, and when I asked him to repeat and clarify that this company has placed an entry on the credit report and is unable to locate this account using the information provided on entry ; XXXX XXXX became unruly and irritable, and accused me for ranting and becoming belligerent for asking clarifying questions that I have a right to know. He continued to repeatedly tell me I needed to calm down or hed be unable to assist me, when in fact I had not given the indication of anger or any intention of upsetting XXXX XXXX. Due to the evident escalation of XXXX XXXX temper, I asked to speak to a supervisor ; to which XXXX XXXX responded by abruptly ending the call. I then called XXXX XXXX XXXX, a second time, at approximately XXXX, I verified my identity with the operator again, and was again connected to the unruly representative, XXXX XXXX. XXXX XXXX elaborated on the fact that he was unable to locate the account with the information provided directly from the entry on consumer credit report, referenced to as Account # XXXX. He advises me to take a screenshot of the consumer credit report entry and email the image to XXXX, and to put Account reporting to CBR. I then asked XXXX XXXX for the name of his supervisor, to which he responded with obvious irritability and unprofessional conduct by saying, XXXX XXXXXXXX, why do you need the supervisors name, why do you think you need that information?. I responded by informing XXXX XXXX that I am requesting the supervisors name because as the consumer, I have the right to know. XXXX XXXX provided me with the name XXXX XXXX, XXXX. I thanked XXXX XXXX, who continued to behave unruly with tireless attempts to incite anger and emotional responses from the consumer throughout both conversations. Following this call, the feeling of hopelessness intensified. I wondered how I could ever get my children and I into a place we could finally call home, if I would be subject to more profane and offensive communication with representatives of corporation, like XXXX XXXX, who knowingly assist corporations, such as National Credit System ; with causing massive distress and injury to the life and mental health of the consumer. To think that many people have literally given up on life, especially during the holidays due to being overwhelmed by the financial burdens of uncontrollable and often, inaccurate debt. An unwavering commitment to accuracy and fairness as it pertains to fair debt collection and fair credit reporting ; and full disclosure to ensure informed consent are imperative for preservation of the full faith and functionality of Commerce and should never be withheld or compromised at the hands of criminals masked as fictitious entities.
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| 05/30/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I lived at an apartment complex from XXXX. I was a good tenant but I was informed my lease would not be renewed, therefore causing me to vacate at the end of the lease. ( Their reasons were personal ). I vacated on XX/XX/XXXX. A year goes by and I received a letter from a collection agency reflecting an amount of {$3700.00} for what they describe as damages along with a {$500.00} sure deposit in which they wanted to be paid back. I wrote the collection agency a letter asking them to allow me 30 days to respond and that I was going to obtain information from the original creditor, XXXX XXXX XXXX. I sent the apts a certified/registered letter on XX/XX/XXXX, requesting a itemized list of " damages ''. They never responded. During the 30 days a letter from the agency was received stating that the debt was placed on my credit report. I was angry. I contacted them right away, speaking to a XXXX XXXX, who informed me that she had a list, same list I was requesting, and she read off a few items. When I asked for a copy of this list she stated she would email me a copy. I waited, waited, and waited. Nothing. I made several follow up phone calls requesting same list and also receipts to reflect the list of damages that were ONLY " cosmetic '' not physical. I have also written several letters requesting same list and nearly 2 months later, no receipt. I had recorded the entire conversation. The items she mentioned ( partial ) were nicotine related. I did clean the best I could given the time limit I had. My apartment was slated for reno and according to neighbors it began 2 days after I vacated. Since I did not receive a list of damages from anyone, it was useless for me to dispute. She tried reducing the damages by I believe 25 % but until I saw a list of these damages I wasn't gon na pay anything at all. Especially a {$500.00} sure deposit that she claimed was not negotiable. I had excellent credit until they placed this debt on my report. I have disputed with all 3 credit bureaus, the collection agency. I am working feverishly to have this removed from my credit report. I am XXXX yr old with a XXXX XXXX XXXX XXXX son and with this on my report I am unable to move any time soon, as I had planned in XXXX. Also my son needs special equipment that is not covered by insurance and I was in the beginning stages of getting the credit I needed to buy these items only to have my available credit reduced on a new credit card ( Discover ) that I received with a limit of {$2000.00}, dropped down to {$500.00} before I could even use it. That was a {$1500.00} reduction based on the negativity of this debt.
XXXX XXXX stated in our conversation dated on XX/XX/XXXX that they tried calling me at several different phone numbers, most were invalid. She also stated that she was not allowed to mention anyone 's name when calling or leaving messages. If any attempts were made they went unrecognized by me, thus unanswering, and no messages were left.
First contact I had was XX/XX/XXXX, in which I sent the original creditor a certified/return receipt letter asking them to please forward me an itemized list. They did not however the signed receipt was returned to me. So they received it. On XX/XX/XXXX, I placed a call to the collection agency speaking with a XXXX XXXX that was recorded by me, asking for a list and at the same time I disputed the debt. Since the email was not received with requested documents, I phoned and left a message with XXXX XXXX at a direct number she had given me on XX/XX/XXXX and followed up with another letter dated XX/XX/XXXX. On XX/XX/XXXX, I sent yet another letter telling her I was going to give her 30 days to comply with my request for a itemized list/receipts. I sent another letter XX/XX/XXXX entitling it as a 30 day " Demand Letter ''. In my letter I had stated that if the info was not received within 30 days of the letter then I was requesting the debt to be removed from my report.
I plan on fighting this debt. I should not have to exhaust myself from retrieving a simple piece of paper. There were NO physical damages to the apt ; only nicotine related and I cleaned all to the best of my ability but to no avail. My chief complaint from the info I received verbally from XXXX XXXX was that the items she discussed with me had to be replaced anyways due to the length of time I resided there and also the renovation that was going to be done to the apt .
I received a letter from National Credit Systems stating that I made NO attempt to address the debt but I never received anything other than the one letter dated XX/XX/XXXX. They placed the debt on my credit prematurely.
With more things going on in my life that I need to worry about I don't need this stress. If it's not removed it will hinder my son and I. I suffer from panic attacks and this situation has caused me physical and emotional harm.
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| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My name is XXXX XXXX and I am sending this letter to help fill in the blanks of this court case and hopefully provide more insights and content. I lived at the XXXX at XXXX apartments from XX/XX/XXXX - XX/XX/XXXX. I enjoyed my time there, however I have XXXX kids, my son is now XXXX XXXX XXXX and my daughter is now XXXX XXXX XXXX and we have a dog so with my family getting older, dog getting bigger, I wanted to find a home where my kids have room to grow and enjoy friends over, so I decided to find a house and move out of an apartment.
Over those XXXX years, I built a great partnership with XXXX XXXX in the leasing office as she was XXXX of the people I met when I moved in. In my XXXX years there, I was never delinquent without letting them know ahead of time and paying all necessary fees. So when I went to the office on XX/XX/XXXX with my son, I talked to XXXX XXXX about a home we found and we were moving out and I wanted to make sure I followed the move out process. We completed a walk through inspection of my home but stated I needed to leave my keys and fob on the kitchen counter when I moved out on XX/XX/XXXX and because the apartment complex was changing from XXXX XXXXt XXXX to another company ( now is called the XXXX at XXXX ) I could leave without a fee but I was forfeiting my deposit. She even gave me a rental reference on my new home which I moved into on XX/XX/XXXX ( please see the attachment Tenant Rental Verification ). To ensure things were documented, I sent an email on XX/XX/XXXX and recapped the move out ( Please see email XXXX XXXX move out.
I am not perfect by any means but I have been trying to purchase a home and I have been trying to maintain my credit, my bills and obligations for the last year, so I can afford my home. I have attached my credit report so you could see I am definitely trying. I found the home I was interested in purchasing and you can XXXXmagine to my surprise when I was denied due to XXXX at XXXX putting on my credit report an eviction and a balance of {$7900.00}. I had no prior balance ( please see a copy of the XXXX rent receipt and confirmation ) so I have no idea where this amount is coming from, secondly, I completed all the necessary steps and left on good terms, so how was this an eviction when I was already out of the apartment and they knew it so I was never properly served. Another thing to consider is why did they wait so long for the eviction if indeed they thought I was still there? Since I have been there for 3 years, they have all my contact information. Why wait almost 2 months before doing anything, when I have been paying rent on time? This was a deliberate act of sabotage towards me and my family.
I immediately created an account with XXXX, XXXX and XXXX to see if this was on all my accounts and it was under XXXX at XXXX on XXXX, XXXX and XXXX had a collection agency called National Credit Systems with their information representing the XXXX at XXXX ( Please see a copy of my credit report marked Collections document. ). This was done erroneously, so the order to appear never reached me because I had already vacated and it was not mailed to my new address so I had no idea I needed to appear in court, which brought me to filing a motion to set Aside Judgment which I did on XX/XX/XXXX. XXXX. In my research for the case, I saw another private credit agency named XXXX XXXX XXXX XXXX was provided this erroneous information and has consistently been sending this information out to the other bureaus ( please see document attached ). The representative sent me a copy of the information the XXXX at XXXX had provided and I noticed they knew I had left because it was sent to them on XX/XX/XXXX ( which is different than what was advised to myself and the Judge ) that they filed the Writ of Possession in XXXX because they didnt know I left ( please see ruling document from the Judge ). I have sent numerous dispute debt letters to XXXX, XXXX, XXXX, XXXX XXXX XXXX and National Credit Systems but none of the agencies have removed this off my credit report as a collection ( please reference the Debt Dispute Letters attached ). I sent the court documents so they could see this is indeed not in collections because the amount is wrong and I was not evicted.
I went to court on XX/XX/XXXX and the Judge was XXXX XXXX and all sides presented, the Judge asked me to provide the figures of the true amount and present to the Plaintiff ( please see attached document called Settlement Stipulations ) and once I did submit they sent an email stating they did not agree ( please see email attached ) and there has been no further discussion since. I do want this resolved by your assistance.
I am available to chat about this anytime, I have recently relocated to XXXX CA so I am in the XXXX XXXX XXXX.
Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX
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| 08/16/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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On XX/XX/XXXX I had applied for county/state rental and utility assistance program in XXXX XXXX I lived in at the time. ( I was an unemployed single parent ) due to multiple circumstances and issues during covid that prevented me from working and had to seek help through the county program ( XXXX of XXXX XXXX Florida my participant # XXXX ) I applied and was approved to receive the assistance that was to start in XX/XX/XXXX. From the very beginning It was constantly an issue that the payments that went directly to the landlord and utility company was not paid on time or even close to the time they were due. Understanding that the landlord and utility company were contacted and aware that I would be receiving the assistance and that they would receive these monthly payments directly. I provided the required information ( bills ) every month but would continue to go unpaid. Contacting the XXXX every month regarding the unpaid and extremely late payments. My utilities were disconnected 3 times due to there non payment and accrued multiple late fees and additional charges every month. I received eviction notices every month and was charged over a $ 100 monthly in fees. I had to move out or get evicted from my XXXX apartment due to the ongoing non payments and resulted in moving to another apartment to avoid being evicted. Having no choice but to move out and find another place for my family to live and had to pay {$2700.00} in rent and deposits to move into another apartment. I paid these fees and XXXX month rent and was approved in XXXX XXXX from the same county assistance program XXXX of XXXX XXXX but XXXX continued to go unpaid which resulted in my children and I to be evicted on XX/XX/XXXX, XXXX attempted to fight the eviction but ERAP would not help or assist me to contact the landlord to stop the eviction, cover the rent owed and basically was told sorry we cant help you. once we were evicted and had XXXX minutes to vacate our apartment and was not allowed to pack our belongings and returned the next day to get our belongings which had been thrown into garbage bags and had multiple items and belongings damaged and destroyed by the property management. At that point when evicted we had no where to go and had to move out of town to another family members home in XXXX XXXX. In XX/XX/XXXX the property management company sent the outstanding balance claiming I owed {$11000.00} ( 3 months rent of {$2000.00} from XXXX XXXX and multiple additional fees and charges of over {$5000.00} ) to collections and applied to my credit report. I have made several attempts to resolve this issue with the XXXX program since XX/XX/XXXX begging them to pay these outstanding bills that now prevents me from finding a home or getting approved for a loan due to the collections on my credit report and I have no means to pay these outlandish balances that I have and still continue to incur and has severely damaged my credit and ability to provide for my family. I am begging for someone to help me regarding this matter and help me resolve these outstanding bills and collection issues and order the XXXX assistance program of XXXX XXXX pay the rent and utilities that is owed due to there negligence of paying the approved bills that should have been completely covered in full based on the amount I had been approved to receive ( {$15000.00} ) I had hope to resolve this directly with the assistance program since it is a state/government funded assistance program. PLEASE HELP ME FINAL RESOLVE THIS MATTER so I can provide for my family immediately and in the future without the constant issues that these collection accounts that is owed and should have been covered under the assistance program but is preventing me from receiving any type of financial assistance or finding or getting approved for finding a home and trying to get an emergency personal loan to help with covering current housing costs, monthly bills and just simply being able to provide for my family and immediate necessary needs that is so desperately needed but continues to prevent me from doing what I need to do. The outstanding balances that has been sent to collections is : {$11000.00} Rent owed ( XXXX XXXX apartments XXXX Fl ) ( but should only owe {$6000.00} in rent owed for XXXX XXXX ) the balance reflects all the late fees and additional charges I have been charged due to the continued non payment.
{$740.00}. ( XXXX utility XXXX Fl ) overdue utilities ( the amount also includes late fees and additional charges due to non payment ) this is an outstanding bill from XXXX and XX/XX/XXXX. This account was closed in XX/XX/XXXX when we had to move out and had to move to another apartment due to the non payment of rent owed by the XXXX program.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX rental/utility assistance program XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX
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| 02/23/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern : I am writing this letter in an effort to have a negative collections removed from my credit report immediately. I do not believe that this reported information is accurate or substantiated.
I have been told for months that this charge of {$1200.00} was related to unpaid rent for XX/XX/XXXX AND that I didnt evacuate the unit until XX/XX/XXXX ( according to XXXX XXXX XXXX ). I knew this information was in accurate because I signed a new lease and was living somewhere completely different as ofXX/XX/XXXX. I signed a new lease on XX/XX/XXXX with XXXX XXXX XXXX.
After more than 2 1/2 years of living at the property and countless incidents that created bad experiences for me ( complex water being turned off, broken a/c for more than a year, break-ins, neighbors physically fighting consistently, etc. ) I decided that I could no longer stay at the property. I had threatened to leave on many occasions but my daughters school was less than 5 minutes away. And as a single parent, it was just more convenient to stay close to her school and go to work.
I received countless calls and letters on my door asking me to extend my lease. On XX/XX/XXXX I sent a note expressing I would stay until XX/XX/XXXX.
But after an erroneous, distasteful late payment accusation, several car thefts and consecutive nights of listening to gun shots, I went to speak with the leasing office to say No More. My lease was ending in XX/XX/XXXX and I did not intend on staying one day over it. I did not feel safe anymore and the community management was poor.
I was greeted by an agent named XXXX, she was very familiar with me and had me to write down on a paper that she provided the new date of my departure and assured me there was no penalties. It was at this time that I WAS TOLD 60 DAYS NOTICE WAS NOT REQUIRED FOR TENANTS WHO STAYED THROUGH THEIR LEASE TERM.
She explained 60 days notice was required to break a lease. But this was not the case with me and I would just need to move out before XX/XX/XXXXo avoid any fees. I told her more than likely I would need to stay through the weekend due to my work schedule, but would try my best to evacuate before XX/XX/XXXX I specifically asked her if there was anything that I needed to do and inquired about the process for a walk through. She said this was optional and based upon staff availability.
I requested a walk through via email on more than one occasion -- I received no reply.
OnXX/XX/XXXX-XX/XX/XXXX, I rented a XXXX and my daughter and I moved out of XXXX XXXX into a townhome.
I returned the keys to the property on Tuesday, XX/XX/XXXX. I asked XXXX to complete a walk through and was told they were short staffed, and they would be contacting me if there were any concerns. She collected both keys.
The very next communications I received was regarding unpaid balance from XXXX XXXX XXXX approximately in XX/XX/XXXX. I immediately disputed the charges and contacted the property.
I could never get an explanation of what happened and the staff was constantly changing and leaving the property so month after month I was retelling my story.
XX/XX/2017 I drove to the property to have a face-to-face conversation with the manager regarding an explanation of the charge. I spoke with XXXX, who at the time was very helpful. He reviewed the account and showed me a XXXX balance in the ledger. He confirmed that I had a good payment history, and then he questioned me about the date that I had actually returned the keys. He expressed he showed no record of the keys ever being returned. I told him that I had given the keys to a leasing agent name XXXX on XX/XX/XXXX.
I asked him what we needed to do to resolve this and to prove that I was not living in the unit at this time. He told me to request a letter from XXXX XXXX showing that the electricity was not in my name in XX/XX/XXXX. I did exactly that and XXXX faxed over a letter to XXXX XXXX showing that the utilities were in the properties name in XX/XX/XXXX.
While there that day, and on several other occasions I requested for a lease to be provided for my review. Till this day I have not received a copy.
After disputing this with the credit card bureaus, the item was removed from non-response. It is currently there again.
I reached out to XXXX again, and this time he expressed the {$1200.00} was for liquidated charges for not giving 60 days notice on a lease that was not being renewed.
I am in the process of purchasing a home and this negative collections is causing me major problems with lenders. I am being told that this {$1200.00} for a landlord debt looks much worse than my student debt from XXXX University.
At the end of the day I was a good resident and I feel disappointed and dismayed that property would treat me like this, especially given the amount of stuff I endured during my stay.
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| 10/16/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This company is completely unprofessional and incompetent. The original complaint I filed with the CFPB was complaint number XXXX. I attached a letter with that complaint and also here again that I was clearly talking about XXXX XXXX which they cleverly returned to XXXX XXXX. Despite the fact they returned the debt XXXX XXXX XXXX, I still never received a initial letter.I learned of them having the debt through rentgrow after being denied and have attached a screenshot of them reporting that debt to rentgrow. Note they clamed as seen on the rentgrow screenshot that I have included here the XXXX XXXX account was placed with them on XXXX XXXX However on the same screenshot, the date I requested the report from XXXX was XX/XX/2021. That is not even 30 days that they ( national credit ) got this debt and already started reporting to rentgrow. I never received any notice of this debt being placed with them. I clearly in my original complaint wanted proof of my initial letter that was never sent and validation the debt which they also never sent. So they replied to the original complaint I made with a ledger from a different apartment complex, XXXX XXXX and attached ledgers of what I supposedly owe to the XXXX XXXX. XXXX XXXX are not affiliated with XXXX XXXX or the wells apartment which my original complaint was about. I learned that they had that new debt through here! So they feel because they sent the XXXX XXXX account back, they could avoid breaking the law but they cant. They still broke the law. There response to the complaint above is so clear of that. They violated my rights again because I did not get an initial letter for XXXX XXXX as well. I didn't get to dispute the XXXX XXXX myself as my complaint was about XXXX XXXX, which you can clearly see. Now you on my credit report as the XXXX XXXX one they have now ( they got that one after they sent the XXXX XXXX XXXX back ) says I dispute this account but I didn't .I never made a dispute for that account yet as I never received an initial notice or right to dispute for that one either. They have a clear sloppy pattern of ignoring the FDCPA laws. See screenshots .Next they claim on the XXXX XXXX report they are reporting that they got that account as well on XXXX XXXX ( ironic ) but didn't start reporting it on my credit ( still never sent my initial letter ever ) until XXXX XXXX. See those screenshots as well. They took my actual right to dispute the validity of this or the prior debt they had for XXXX XXXX away from me. I want them to acknowledge as seen here in the proof they had the XXXX XXXX account and not the XXXX XXXX account on XXXX XXXXI want proof either way especially if they deny that fact. I want proof they never sent any initial notices and as seen to my prior complaint they gave me proof of the new debt which I never requested yet, and skipped giving me proof of the XXXX XXXX debt and producing that initial letter they never sent. Along with explaining how they just had got that account XXXX XXXX and had already reporting to rent grow. They caused me to get denied for that apartment. Me and my kids. I am in a place now I cant even afford because they violated my rights. Also when they gave the XXXX XXXX debt account back XXXX XXXX XXXX got they debt and started reporting as well by their coward move. Also when I was calling about the XXXX XXXX debt which is the only debt I had known about once I was denied for the apartment and discovered on the Rentgrow report. They never picked up phone calls or gave any answers. They were and still are shady. I have attached the initial letter I gave them through my original complaint on the cfpb, there email address and the XXXX complaint I made. I also have the XXXX complaint I made and all they gave me was a generic shady response. They asked me to contact them through email which is what I did and I NEVER got an answer. This is the only forum they replied to. Understand even if you send this debt back. I am putting you and XXXX XXXX on notice to preserve all evidence including but not limited to all phone calls received and going out in regards to my complaints addressed here even if not involving me in the conversations, letters in regards to these complaints, emails. The point is you are being sued 2 times because these were two different accounts. You took a sneaky approach and tried to avoid the XXXX XXXX concerns and sent it back to get the XXXX XXXX account. NOTE : I WILL ONLY ACCEPT A RESPONSE FROM YOUR LAWYER.ONLY YOUR LAWYER. DO NOT HAVE YOUR COMPLIANCE TEAM RESPOND HERE. I AM DEMANDING YOU PAY THIS DEBT EVEN THOUGH IT IS DISPUTED AND I DO NOT OWE IT. AND PAY ME {$7500.00} TO SETTLE BOTH VIOLATIONS WITHIN 10 DAYS AFTER YOU RECIEVE THIS LETTER.I EXPECT A REPONSE THROUGH THIS FORUM BUT YOUR LAWYER MAY REACH ME THROUGH EMAIL TO DISCUSS A SETTLEMENT.
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| 02/22/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX my wife and I paid off our debt to National Credit Systems - Representative XXXX XXXX on behalf of XXXX XXXX XXXX in the amount of {$630.00} as we were told this was the lowest amount we could pay to close the debt out on our credit ( {$780.00} was the full amount of the debt ). The letter saying the debt was closed is attached dated XX/XX/XXXX as we were told would be.
My wife and I were currently in the process of disputing this debt because we should not have had to pay it anyway as the lease agreement between XXXX XXXX XXXX and us was cancelled because of an unsafe living environment they provided my family and I because of a maintenance request that was NEVER completed.
After calling ( I believe around XX/XX/XXXX - they have a recording - my phone log does not go back that far ) to find out what happened to the files and letter I sent into National Credit Systems, my files and letter had somehow gotten lost in the mail or misplaced by National Credit systems as they said they never received them. I was at the end of a current lease ( ending on XX/XX/XXXX ) and HAD to move me and my family to another apartment complex and in order to get approved the debt HAD to be paid.
As mentioned above we paid the debt off on XX/XX/XXXX in the amount of {$630.00} ( as agreed to by my wife, myself, and National Credit Systems - Representative XXXX XXXX ). We received a letter in the mail a few days later dated XX/XX/XXXX ( the day we paid it off ) that we could have paid the debt off for XXXX % off. My wife immediately called National Credit Systems and talked with XXXX XXXX on XX/XX/XXXX ( as this is who the letter was signed by ) to request a refund as we asked her what the least amount that we could pay to pay this debt off was on XX/XX/XXXX and it should have been XXXX % off ( the letter we received that was dated the same day we paid it off XX/XX/XXXX ) and not {$630.00}. She did tell my wife that she had no control over sending those letters out but her name was on the letter and who it was signed by. She requested we speak to XXXX XXXX ( her manager ) who my wife and I left messages for but never received a call back from, but did receive an email with a letter in it from XXXX XXXX on XX/XX/XXXX saying we still had a balance of {$150.00} ( which does not make any sense but is attached ). The next day my wife called back and talk to XXXX XXXX again and she told my wife she had taken care of it and that we would receive the refund within XXXX buisness hours. We DID receive the refund within that time frame.
Now on XX/XX/XXXX my wife received a callback from XXXX XXXX and she said that, because of HUMAN ERROR, they sent us to much in the refund and that we owed {$50.00} in order to close the account out. My wife told her that we should not be required to pay the {$50.00} back to them because of THEIR error.
I called XXXX XXXX back after my wife told me about this around XXXX AM on XX/XX/2019 and the conversation went as so ( I am paraphrasing in some areas but these are recorded on their end - there was frustration in my voice ) : XXXX XXXX : Asked for my account number XXXX XXXX : Gave her my social XXXX XXXX : Says " Hi XXXX XXXX, I assume you have talked to your wife? '' XXXX XXXX : " Yes I have and I am not paying the {$50.00} back because of human error. '' XXXX XXXX : " That's fine XXXX XXXX you don't have to pay it back and the account will continue to stay opened. '' XXXX XXXX : " Ok well I need to speak to a manager. '' XXXX XXXX : " Ok XXXX XXXX, I will be happy to get you over to XXXX XXXX XXXX .. '' XXXX XXXX : ( interrupted ) " I need to talk to him now and don't need to leave a voicemail. '' ( as stated above he never returns phone calls and I had already tried dialing his extension twice and got voicemail ) XXXX XXXX : ( interrupted as I was trying to explain the above ) " Ok XXXX XXXX, well you have a good day. '' ( hung up the phone on me ) This has already been closed on my wife and I credit but now because of their human error we are going to have this back on our debt. We do not feel because of their human error that we need to pay this {$50.00} back and we were already NOT going to pay the debt back and were in the process of disputing but we HAD too in order to get into our new apartment.
We do not feel that National Credit Systems will work this out with us and confess to their mistake and take the hit so this is our only option to report them.
I understand completely that this company deals with people everyday making excuses not to pay their debts back, but there is still no excuse for the POOR customer service and the rudeness my wife and I have received from National Credit Systems - specifically Representative XXXX XXXX at extension XXXX.
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| 11/26/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Consumer Financial Protection Bureau Consumer Complaint Division, I am submitting a formal complaint against the National Credit System, outlining their alarming failure to validate a debt within the mandated timeframe and their deliberate dissemination of inaccurate, inconsistent, incomplete, and unverifiable information to credit reporting agencies ( CRA ). This has not only resulted in a detrimental drop of over XXXX points in my credit score but also raises serious concerns about the National Credit System 's engagement in deceptive practices and potential fraud.
The Fair Credit Reporting Act ( FCRA ) is explicit in its requirements for debt collectors to adhere to specific actions before furnishing information about a consumer 's debt to a credit reporting agency. It is evident that the National Credit System 's actions not only violate the FCRA but also constitute a clear violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Dodd-Frank Act by engaging in unfair, deceptive, or abusive debt collection practices.
The National Credit Systems reporting of data to CRAs lacks proper documentation, a blatant disregard for the FDCPA and FCRA. Their failure to produce valid documentation supporting the alleged debt, coupled with multiple inconsistent changes in the reported information, suggests a deliberate attempt to deceive and defraud.
The reported final bill associated with the alleged debt has undergone XXXX changes since XX/XX/XXXX ( e.g., {$15000.00} to {$14000.00} to {$15000.00} back to {$14000.00}, etc. ). In accordance with my rights under the FDCPA, I requested proof of the debt from the National Credit System, specifically all XXXX final billing statements from XX/XX/XXXX to XX/XX/XXXX, covering the entire length of the alleged lease. Please take a moment to review the enclosed copy of XXXX of the final billing statements, which astonishingly only provide XXXX months of billing history. Shockingly, they were unable to produce these crucial documents, suggesting intentional misconduct to defraud me.
Additionally, my request for a comprehensive explanation of the frequent changes in the balance during that period and access to the terms of the lease agreement to understand the basis for charges and any circumstances leading to adjustments in the balance went unanswered. The National Credit System 's intentional non-compliance with these requests not only questions the accuracy but also the legitimacy of the reported debt.
Additionally, the National Credit System has failed to comply with the FDCPA, as outlined in 12 CFR 1006.34 ( c ), by not providing the required information regarding the alleged debt : Debt Collector Communication Disclosure ( 12 CFR 1006.34 ( c ) ( 1 ) ) : Provide the disclosure required by 12 CFR 1006.34 ( c ) ( 1 ) pertaining to debt collector communications.
Information About the Debt ( 12 CFR 1006.34 ( c ) ( 2 ) ) : Furnish detailed information about the debt as mandated by 12 CFR 1006.34 ( c ) ( 2 ). This includes a comprehensive breakdown of the alleged debt, including all relevant dates, amounts, and the original creditor 's details.
Consumer Protections Information ( 12 CFR 1006.34 ( c ) ( 3 ) ) : Include the information about consumer protections as outlined in 12 CFR 1006.34 ( c ) ( 3 ). This disclosure should encompass any rights and protections afforded to consumers under applicable laws.
Consumer-Response Information ( 12 CFR 1006.34 ( c ) ( 4 ) ) : Provide the consumer-response information required by 12 CFR 1006.34 ( c ) ( 4 ). This includes details on how I may respond to the validation information provided and address any discrepancies.
I bring to your attention the doctrine of estoppel by silence, established in Engelhardt v. Gravens ( Mo ) 281 SW 715, 719. The National Credit System 's failure to fulfill my request for proof within the stipulated time frame may reasonably be interpreted as an indication that no evidence of the alleged debt exists. This raises grave concerns about their deceptive practices and potential fraudulent conduct.
I implore the Consumer Financial Protection Bureau to conduct a swift and thorough investigation into the National Credit System 's deceptive practices, address the inaccuracies in reporting, and take immediate and decisive action to prevent further harm to consumers. Additionally, I urge that the National Credit System be held accountable for its deliberate non-compliance with FDCPA and FCRA regulations.
Thank you for your urgent attention to this matter. I trust that the Consumer Financial Protection Bureau will conduct a comprehensive evaluation and ensure a just resolution that upholds consumer rights and safeguards against deceptive practices and fraud.
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| 05/07/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The final statement I received from XXXX indicated I did not owe a balance and a refund would be sent to me for my security deposit. I never received the refund and I was never notified that they changed the statement and indicated I broke my lease so now I owed them. The regional manager called me and told me I had to move out because I left a negative review of the property on XXXX XXXX. I agreed to move out per their request and paid all final bills. Here is our communication via email below.
From : XXXX XX/XX/XXXX XXXX XXXX XXXX sent to me via email ) You have received a notice to vacate on your door as of today. We are requesting that you do move. After reviewing your posts on XXXX XXXX again yesterday, you are impacting the privacy of other residents and disrupting our business by trying to create a protest of nonpayment of rent. These are terms of your contract, that you have now violated. You are now in breach of your contract and we have decided as an organization, after two attempts of trying to discuss this matter, to now exercise our rights as the Landlord. We are requesting possession within 7 days or eviction proceeding will follow.
Please let me know should you have additional questions.
Thank you, XXXX XXXX XXXX Regional XXXX XXXX XXXX | XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX My response to above email ( XX/XX/XXXX XXXX XXXX XXXX That's perfectly fine. I have yet to receive the notice personally, however my neighbor did retrieve the notice per my request. She stated that it says I must vacate by XX/XX/XXXX, that's not 7 days? Also what payments must be rendered that they are referring to? Please help me understand the differences in me vacating in 7 days vs. the 30 days required in an eviction? If I vacate within the days allotted what will be reported on my rental history an eviction or just the closure of the lease?
XXXX response to my above email XX/XX/XXXX XXXX XXXX XXXX XXXX It will just be the closure and not an eviction, if you move before we have to file. I will gladly work with you on timeline on moving. However, communication will be key. Please let me know the date in which you will be able to surrender keys and I will let the team know.
Thank you XXXX XXXX XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX | XXXX XXXX XXXX My response to above email XX/XX/XXXX XXXX XXXX Great thank you so much. We truly will need about 3 weeks to relocate due to my children being in school and having to locate and lock in a new place. Im willing to pay this final months rent in full that's due today if we're given 3 weeks from today to vacate. Since this will serve as our lease ending will we receive our deposit back in the amount of {$650.00}?
XXXX response to my above email XXXX XXXX XXXXXXXX XXXX I will agree to these terms, as long as no additional post to XXXX XXXX or disruption to business occurs. In the event this happens, eviction will be filed and we will move forward with proceedings.
Thank you XXXX XXXX XXXX Regional XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXXXXXX | XXXX XXXX XXXX Email sent from XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX TX XXXX Final account statement - Revised XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX # XXXX XXXX XXXX TX XXXX Final account statement - Revised Ledger Account at move-out WelcomeHome ACH payment -- XXXX XXXX XX/XX/XXXX ( XXXX ) Balance at move-out ( XXXX ) * See the itemized charges for a complete listing of the work.
Deposit Activities Move Payments to Deposit Ledge ( XXXX ) Move Payments to Deposit Ledge ( XXXX ) Total Deposits on hand ( XXXX ) Additional charges/credits/payments after move-out Full Housekeeping XXXX. XXXX Full Paint XXXX sq. XXXX XXXX Total additional charges / credits / payments XXXX Final Account balance Balance at move-out ( XXXX ) Total Deposits ( XXXX ) Total additional charges / credits / payments XXXX Account balance - refund due ( XXXX ) XXXX Prepared Date XX/XX/XXXX XXXX XXXX, XXXX Pay to XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, TX XXXX XXXX XXXX XXXX - Unit XXXX Move-in XX/XX/XXXX Notice given Lease expires XX/XX/XXXX Move-out XX/XX/XXXX Thank you so much for staying with us. We hope that you`ve enjoyed your residency as much as we`ve enjoyed having you here. Your refund check will be mailed to the forwarding address given to the management office. If you have any questions, please feel free to contact the management office. Thank you.
This was the last correspondence I received from XXXX although I never received a refund for the amount they indicated.
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| 11/09/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am writing this letter in response to the letter received from National Credit Systems , Inc. on XXXX XXXX, XXXX. In the letter the debt collector has mentioned that I owe {$820.00} to the XXXX House in XXXX, IL. On XXXX XXXX, XXXX, I sent out a debt validation letter to the mentioned company asking for the following documentations 1. Agreement with the creditor that authorizes you to collect on this alleged debt.
2. The agreement bearing my signature stating that I have agreed to assume the debt.
3. Valid copies of the debt agreement stating the amount of the debt and interest charges.
4. Documentation containing the creditors signature and my signature indicating a routine inspection of the apartment unit was completed in presence of both the parties.
5. Documentation showing the validity and necessity of the charges that were applied on my account.
6. Proof that the Statute of Limitations has not expired.
7. Complete payment history on this account along with an accounting of all additional charges being assessed.
8. Show me that you are licensed to collect in my state ; and 9. Your license numbers and XXXX XXXX XXXX XXXX XXXX XXXX XXXX has failed to respond to my letter with all the necessary proper documentation. They sent me few documents such as the lease agreement between the XXXX House and myself, Invoices and Move-In/Move-Out Inspection document.
Over here I would like to mention the XXXX House in XXXX is charging me for the replacement of the carpet for the entire unit, which I rented and stayed for 1 year. I have mentioned in a letter to XXXX XXXX XXXX XXXX XXXX dated XXXX XXXX, XXXX, that the charges that XXXX House has made is unethical and does not comply with the lease that XXXX House and myself have signed before moving into the apartment. After moving out of the XXXX House, I had exchanged emails with the authorities at XXXX House and they have shared several pictures of the carpet.
I would like to raise few points over here, based on the email communication between XXXX House and myself and the lease document, invoices and inspection document received from National Credit Systems , Inc .
1. Pictures of the carpet with no stain The pictures of the carpet provided by the XXXX House, shows there were no stain or mark in the carpet for which the entire carpet need to be replaced. A regular vacuum or a steam vacuum would have cleaned the carpet and made it look new. I want a proper justification on why the entire carpet was replaced when it was not at all necessary. Replacing the entire carpet, when that is not needed, and charging the amount back to the previous renter is an unethical practice, which need to be dealt with properly.
2. Carpet life The life these kind of carpets are usually 5~6 years. It can be seen in the email from XXXX House that the carpet was replaced just prior to my move to the unit. Based on that, the carpet had about 4~5 years of life left on it. Also going by the pictures taken by XXXX House representatives, the carpet is in a pretty good condition which does not require a full replacement. This also indicates unethical practices conducted by the XXXX House.
3. Inspection was not done in front of me, no signature Based on the documents provided by XXXX XXXX XXXX XXXX there is a Move-In/Move-Out report which needs to be signed by both the parties to accept the damages done to the unit, which requires replacement or cleaning. It can be seen from the document that my signature was not present in the document. The Move-out inspection was not done in front of me. XXXX House never invited me for a joint inspection. A joint inspection is an absolute necessary in this matter, because we will never be able to find out any intentional damage done by XXXX House to get the replacement cost from me.
4. Normal wear and tear Based on the XXXX of XXXX renters lease guidelines, a normal wear and tear that happens due to living in the unit during the lease tenure is acceptable. Over here from the pictures that were given to us by XXXX House, we could not see any damage on the carpet apart from normal wear and tear that can happen while staying in the unit.
I am sending this letter to raise unethical practices conducted by the XXXX House in XXXX. I also demand if either XXXX House, XXXX or XXXX XXXX XXXX XXXX XXXX are not able to clarify my concern, the debt amount be removed from my credit file in all XXXX credit bureaus immediately.
For any other concern or question, please reach me at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX
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| 04/09/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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In XX/XX/XXXX I moved to XXXX, XXXX and into a three bedroom apartment at XXXX XXXX XXXX XXXX XXXX ( XXXX ) apartment complex. In XX/XX/XXXX I vacated this apartment and moved to XXXX XXXX, XXXX. Shortly after that I received a final bill from the XXXXs property manager XXXX XXXX for the amount of {$1900.00} which included a list of damaged items and clean up charges. The bill was nearly all fabricated and contained no evidence of damages ( exhibit A ).
I promptly called XXXX XXXX XXXX which owns/manages the XXXX apartment complex on XX/XX/XXXX and talked to XXXX XXXX who is the Administrative Assistant in charge of XXXX. I explained to her that the bill was fraudulent and fabricated by the property manager and that nearly everything on that bill, except for a few items were normal wear and tear and not my responsibility to pay for. She asked me to send her an email regarding the bill which I did and explained why I thought the bill was bogus ( exhibit B ). In this email I went thru all the eight items XXXX XXXX had charged me for and explained why they were not true.
After only a few hours she emailed me back saying she would stand by the charges ( exhibit C ) but changed the amount to {$1900.00}. I did not respond to her and did not pay the bill.
Consequently XXXX hired the collection agency of National Credit Systems , Inc. to collect. They sent me a letter of collection in XX/XX/XXXX ( exhibit D ). I wrote back to them and explained that the bill was fabricated and I had already explained the reasons to XXXX XXXX XXXX ( exhibit E ). The National Credit Systems wrote three more letters to me ( exhibit F ) to try to collect the money. I did not pay the bill and they reported this to the credit bureaus.
In XX/XX/XXXX I received a letter from the collection agency of XXXX XXXX XXXX. XXXX again trying to collect the bill from XXXX ( exhibit G ). I wrote back to them explaining the bill was bogus ( Exhibit H ). Later that month XXXX XXXX sent me a follow up letter along with documents as verification of the debt ( exhibit I ). The documents were a printout of my rent payments to XXXX from XX/XX/XXXX to XX/XX/XXXX, copies of my rental agreement with XXXX and five pictures of a vacated apartment supposedly mine after I left. The pictures, as you can see in the exhibit H, are grainy, undated and show no proof of damages listed on the XXXXs bill.
On XX/XX/XXXX I was informed by my credit company, XXXX, that my FICO score had been decreased. I checked into it and my FICO had dropped almost 90 points ( exhibit J ). I contacted the XXXX Credit Bureau and found out the drop was due to the collection report by the National Credit Systems , Inc. ( exhibit K ). I called XXXX and placed a dispute on the collection issue which they are reviewing.
In summary, XXXXs bill contains no proof of damages or trash removal as they assert and it is just a list of normal wear and tear and cleanup. The manager just put the word damaged in front of all items to scam the cost out of me. Furthermore, during my last year at XXXX, one of my bedrooms developed a vibrational problem due to a loose air-conditioning cable inside one of the walls so severe that I could not use it for more than one or two hours a day. The vibrations were making me dizzy and nauseous. I requested repairs to my apartment for several months and XXXX did not repair the problem while I paid full rent plus $ XXXX/month extra since I was renting month to month. I have explained the above items in details to all the parties involved and they continue harassing me for this bogus bill.
These entities and organizations from XXXX to XXXX to their Collection agencies have caused me a great deal of stress and now they have damaged my credit history all for a scam and none of them have shown any proof of the damages claimed by the XXXX manager. Also please note my high credit score prior to this issue and the sudden drop in exhibit J. I have lived in different apartments in five different states for nearly forty years and have never had a single bill for damages sent to me from any other apartment complex. In fact I generally get all of my deposit refunded to me.
I have no doubt that the scam played on me by XXXX and their cohorts including their collection agencies is systematic and ongoing. The outright lies and deception I have seen from these people can not be an isolated incident. Therefor I would like to request that you ask the collection agency to provide you with the proof of these claimed damages or withdraw their claim.
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| 06/27/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This notice is to inform you that you have unlawfully reported an alleged debt to my consumer report. Under the New Rule REGULATION F which took effect XX/XX/2021, You { NATIONAL CREDIT SYSTEMS INC } You have violated the FDCPA 1006.30a and its new rule by parking this alleged debt on my consumer reports. Cease and Desist the reporting of this alleged Debt immediately or I will escalate this matter to taking legal action. I have not given you written permission to put anything on my credit profile 15 USC 1681b2. You have no permissible purpose by law to contact third parties with my private or personal information. Your offenses amount to Aggravated Identity Theft pursuant to 18 U.S.C. 1028A. You have knowingly transferred, possessed, or used, without lawful authority, a means of identification of me, which is a felony punishable with up to 2 years of imprisonment, in addition to civil liability. I AM A LITIGIOUS CONSUMER I WILL NOT HESITATE TO TAKE LEGAL ACTION AGAINST { NATIONAL CREDIT SYSTEMS INC } 15 USC 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. I refuse to pay this alleged debt. Cease and Desist all collections activity regarding this alleged debt and PROMPTLY Delete it from all consumer reporting agencies that you have reported this inaccurate, incomplete, erroneous and misleading information to at once. The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living and my ability to obtain credit for personal and house purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. PROHIBITION : a law or regulation forbidding something 15 USC 1681 s-2 Says you { NATIONAL CREDIT SYSTEMS INC } are a furnisher of information to a consumer reporting agency. You ARE PROHIBITED BY LAW to furnish inaccurate information 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) 15 U.S. Code 1681s2 ( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of the Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS! or I will take legal action for consumer law violation under 15 USC 1681 n, 15 USC 1681 o and 15 USC 1692k. DELETE THE FOLLOWING ACCOUNT/S FROM YOUR RECORDS AND ALL CONSUMER REPORTING AGENCIES. NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ].
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| 08/14/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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Dishonest and unfair collection practices. Also, no follow through on dispute they stated they would initiate ( on XX/XX/XXXX and reconfirmed on XX/XX/XXXX ). Note : I filed a complaint with the XXXX in the past week and they are allegedly putting my account in dispute and notifying the National credit Bureaus of this. I am filing this complaint with CFPB as I don't trust them and filing this complaint with CFPB was also advised by XXXX in the letter they sent me end of XXXX, XXXX. National Credit Systems , Inc of XXXX GA. mailed me a letter in XX/XX/XXXX, claiming that they are collecting a debt for XXXX XXXX XXXX, XXXX, NE. Their letter stated that they reported my account to three national credit bureaus, would take legal action to collect, etc. Meanwhile XXXX mailed me a letter notifying me that they received a report that added negative information to my credit file. On XX/XX/XXXX, I contacted a Rep at National Credit systems to find out what this collection was all about, since it was XXXX XXXX that owed me and not the other way around. The Rep went over the fees I was being charged ( {$650.00} total ) and every entry, except one ( {$50.00} fee for utilities from the time I vacated, XX/XX/XXXX, until new tenant took possesion the first week of XX/XX/XXXX ), were false. As I recall the rest was : {$72.00} for repairs I was never informed of by XXXX XXXX XXXX ( Note : My apt was left in pristine condition and I have photos to prove it ), {$280.00} for a prorated portion of XX/XX/XXXX, rent. ( at {$600.00} per month, that would have been for 14 days. However, the Apt was re-leased out the first week of XX/XX/XXXX ), {$240.00} for garage rental ( {$55.00} per month, apparently I was responsible to continue to pay the rent for it until re-rented or until the end of my apt lease, the end of XX/XX/XXXX. However, the garage was in need of repair, it was leaking, roof damage and gutters not cleaned out, and they never attended to it, so no surprise if they in fact were not able to re-rent it. Even if true, the figure would be incorrect ( would be {$210.00}, not {$240.00} ) I had already paid for the entire month of XX/XX/XXXX, so had a credit of {$26.00}, not sure where the other {$10.00} comes from. Besides, there was nothing in my contract that said that. The Rep also stated that my security deposit was forfeited as I " broke my lease '' so that would not be applied to my so-called " debt ''. Note : It was " constructive eviction '' and I was well within my rights to leave. Besides, as stated above the Apt was re-leased almost immediately after I vacated. I provided her with detailed information and she agreed to put my account in dispute. Meanwhile over a month had gone by since the dispute was filed and no word back. Also, I received yet another letter from a National Credit Bureau ( XXXX ) about a report they received which added negative information to my credit file, dated XX/XX/XXXX. Prior to all this I had nothing negative on file for years, in fact, my credit score was in the lower 800s as of XXXX, XXXX. I was also in the process of re-negotiating my interest rate on credit cards and working out financing for my first home purchase. I am a self-supportive, senior citizen and have worked very hard for years to have excellent credit. My not paying this so-called debt has nothing to do with whether or not I can afford it. It has everything to do with my integrity and my refusal to submit to extortion for funds I do not truly owe. Further, I was able to locate the intial letter mailed to me last XX/XX/XXXX from XXXX XXXX XXXX and comparing this to what the Rep mentioned above told me, I was to be credited with my {$250.00} security deposit, there was no damage ( carpet cleaning was showed as a debit and a credit as it is normal wear and tear ) and there was no entry whatsoever for me to pay {$280.00} for 14 days of XX/XX/XXXX rent. Also, it should be noted that I filed a CFPB complaint on XXXX, when it should have been filed on National Credit Systems. XXXX investigated and were outright lied to by National Credit Systems, who claimed the debt was correct and withheld the fact that the debt was in put in dispute as of XX/XX/XXXX. Also note, I specifically asked for a statement showing the breakdown of the debt when I first spoke to the Rep. She agreed to email it to me same day and when I called to follow up the next day, she made up some excuse as to why she couldn't email it to me and stated my account was in dispute, so I let it go.
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| 03/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I lived in the XXXX @ XXXX apartment from XX/XX/XXXX to XX/XX/XXXX. Before moving there I paid a {$200.00} security deposit which was supposed to be refunded to me after the expiration of my lease if I didn't damage anything. Aside from this, monthly utility charges covering water, sewer, trash, and pest control were verbally dictated to us monthly by the staff of the apartment. I lived alone in a one-bedroom apartment but I discovered that the amount being charged to me monthly was too much compared to other tenants who have XXXX or more people living in the same one-bedroom apartment. I have complained many times and requested to know how the bills were shared among tenants. The management of the apartment always turns down my request, telling me that I have no right to see the bills and that whatever is shared with me I must pay. That was how I lived there for a year paying utility bills that I couldn't verify.
I moved out of the apartment after the expiration of my lease without owning a dime. On the very day, I handed the key back to them, I was asked to pay {$99.00} covering any utility bill they have not received. I paid {$99.00}.
Around XX/XX/XXXX, I received a notice at my door that a new management will be taking over the apartment building but the lease I signed with the former owner still subsists. When the new owner took over, I discover that some other unexplained charges were added to my utility bill which I queried. Two charges amounting to {$24.00}. To my surprise, the new owner told me that I have signed a new lease with them empowering them to charge me the added new charges. I did not sign a new lease and I demanded to see the new lease they claimed that I signed. To my amazement, they brought a document with a forged signature. The signature on the document is entirely different from my signature and I confronted them with an accusation of forgery. Immediately, the manager begged me and asked me not to pay {$20.00} out of the {$24.00}. She explained to me that I still have to be paying {$4.00} every month for administrative fees Which I wasn't paying when the former owner was in charge. Reluctantly I agree to be paying the {$4.00} administrative fee for the rest of the months I lived there.
At the expiration of my lease, I demanded my {$200.00} deposit because I didn't damage anything. I was told that they were still in the process of reconciling accounts with the former owner and that they will get back to me and that I should pay the {$99.00} to cover any utility bill they were expecting, which I paid immediately.
I moved out without any problem believing that I do not have anything to do with them again. The whole year I lived there was hellish. My unit was always with one problem or another and it was very frustrating living there.
Over three months after moving out, I was surprised to receive a notice of collection from National Credit Systems Inc that I owed {$140.00} to my former landlord. I tried to explain to the company agent on the phone that I am not owing them a dime. The agent did not give me any chance to explain anything, all she wanted was that I must pay the money. This amount is currently on my credit and it has affected me badly.
I am in the process of moving to another apartment now, I couldn't secure an apartment because of this collection on my credit history.
I visited the apartment building and demanded my ledger and the underlying bills shared among the tenants during the period I lived there. The assistant manager that I met printed me an incomplete ledger that did not reflect the first six months I lived there which span from XX/XX/XXXX to XX/XX/XXXX. She told me that they only have information on when they took over the management of the apartment starting in XX/XX/XXXX.
Looking through the ledger, I discover these discrepancies : 1. Administrative fee : XX/XX/XXXX - XX/XX/XXXX = {$4.00}. Please note that my lease expired on XX/XX/XXXX and I moved out at the expiration of my lease. I did not spend a day extra. I moved to a new apartment on XX/XX/XXXX.
2. Final Admin. fee : {$4.00}. I do not understand the reason for this fee.
3. The {$200.00} deposit was not applied to the last utility bill they received after I left even I was asked to pay {$99.00} on the morning of XX/XX/XXXX when I handed the key to them.
The collection company did not give me a fair hearing and I disputed the collection with one of the credit bureaus but the account still stay on my credit report.
|
| 08/14/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My complaint in ins regards to an apartment i previously lived in and the amount they are now saying I owe, which is absolutely incorrect. I rented an apartment from XXXX XXXX on XX/XX/XXXX. At the time I rented the apartment i was required to pay a security deposit of {$150.00}, a full month of rentin the amount of {$890.00} as well as the prorated rent amount for the remaining days in XXXX. I was told when I signed the lease the full month advance rent would be applied as payment for the last month 's rent provided I gave proper notice of intend to vacate. While living in this apartment I paid my rent every month by automatic draft from my bank account and was never late with my payments. In XX/XX/XXXX I provided written notice of my intent to vacate the apartment the end of XX/XX/XXXX and ended my automatic draft as I had already paid in advance upon move in the last months rent in full. My notice was given because I made numerous complaints about the the grounds and stairwells being extremely dirty and unsanitary, It was customary for other tenants to sit their garbage bags outside their doors for a week or more instead of taking the trash to the provided dumpster causing a horrible odor as well as maggots. Someone vomited all down 2 flights of stairs which was left for several months and never cleaned up as of the time i moved out. There were frequent late night noisy parties and drug use with the police showing up on a regular basis. After months and numerous complaints from many residents with children and families, the management continued to do nothing to address the noise or unsanitary practices so i gave written notice to move. Several months after I moved out, I began to receive emails and phone calls from a lady named XXXX XXXX stated i owed {$1500.00}. When I requested an itemized statement of the charges both on the phone and by email ( see attachments ) i was a move out summary of charges which i reviewed and highlighted numerous charges which I found questionable and emailed it back to XXXX with no repsonse. Several weeks later i received a voicemail from XXXX as if she had never spoken or emailed with me at all saying she has been trying to reach me for months and I was not returning her calls. I immediately emailed her ( see attachments ) to question why she left such a voicemail knowing she has been in contact with me and reminding her I was still expecting a response in regard to the disputed charges. She responded by sending me an attachment with the same information she had sent before but no additional explanation for the disputed charges. This same back and forth went on for several months and then she stopped responding at all. A few months after that, I received a call from a lady calling herself XXXX XXXX who stated she was collecting this debt for XXXX XXXX however this time the balance was {$1600.00} more than the balance XXXX XXXX originally stated I owed of {$1500.00} and the balance reported on my credit bureau is {$1600.00} which is again different and increase from the other 2 balances I was provided both verbally and in writing. I tried explaining the situation to XXXX XXXX who refused to listen and insisted that if I do n't pay her in full my credit would be ruined. I questioned why the balance was different and was told to stop trying to play games and pay what I owe. I again told her i was disputing the balance and the charges and I needed someone to explain why I was being charged ad {$250.00} pet deposit that was dated after i gave my notice to move out when I have no pet, or why I am being charged for carpet replacement due to pet damage from said non-existent pet, rental charges the washer and dryer for the month of XXXX when I moved out on XX/XX/XXXX, garage rent for XXXX when I moved out in XXXX when the garage was not part of the rental agreement or term but instead was a you pay for only the months you use agreement with no lease attached. Why am I being charged for water, sewer and trash for the month of XXXX when again I moved out in XX/XX/XXXX? There are an entire list of fraudulent and/or unfounded charges that make up this balance which I have from day 1 and continue to dispute and request an explanation. This even more inflated balance has now been reported to all 3 credit bureaus by the collection agency XXXX XXXX works for who promised to ruin my credit if I did n't pay up. This needs to be removed immediately and this case closed!!!
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| 10/04/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Timeline XX/XX/XXXX Visit XXXX XXXX for a tour.
The agent XXXX told us there is no fee for today if we want to apply.
XXXX showed us a model apartment and asked for my ID in order to allow us to tour.
I did not like the model, but she said there are others, so I just need to agree to a credit check. I complied.
After the tour I left without any agreement or request for payment for anything.
XX/XX/XXXX I received an e-mail with a lease attached.
In the middle of XXXX The office called my friend I was there with and asked if I was still interested. I called back and told her I am not interested. She said no problem.
XX/XX/XXXX I received an e-mail asking me to pay {$310.00} for fees I owe. I called again but this time XXXX hang up on me after telling me I owe them an application fee. I asked for a written proof that I signed anything which she never provided. I sent in my friend to pick up any proof. They printed out my credit application and highlighted a sentence that does not apply to me. I never signed any document or lease.
I was told the credit application was free of charge by XXXX.
XXXX XXXX XXXX and XX/XX/XXXXXXXX I received numerous e-mails threatening me with collections.
They stopped answering my calls so I asked a friend to make a call from his office to talk to them. He spoke to XXXX on XX/XX/XXXX who abruptly and rudely also hang up on him.
XX/XX/XXXX I sent a registered mail to them letting them know I do not owe any money. I sent regular and certified mail. The regular mail never came back undelivered, however the certified mail was never collected and returned to me.
The letter my friend got from the office states the application fee is required at time of leasing. I never entered into a lease.
XX/XX/XXXX received letter from NCS XXXX Replied to NCS in writing registered mail, told them I do not owe any monies.
XX/XX/XXXX Received second collection attempt letter. Letter stated I never replied to their demand and my credit is at risk.
XX/XX/XXXX Called and left a message to make sure they are aware that I replied.
XX/XX/XXXXXXXX XXXX XXXX called and tried to explain that they reduced the debt to {$240.00} and just to pay it.
He sent his supporting document he received from his client. I asked for written proof I owe anything with my signature on it. He sent the lease document I already receive back in XXXX, with no signatures. He also sent a bill showing the {$310.00} balance, which I never agreed to pay.
I am here by requesting a valid verification of this debt. Not a bill or a lease form that was never executed.
This company is trying to extort money from me. They sent an invalid claim to a debt collector and refuse to withdraw. The collection agency is National Credit Systems and they are very unprofessional, stating I owe money, because their client said so and provided a bill that is not valid. This case looks very complicated, I would like to speak to someone to explain, but also can write a letter to the person reviewing this complaint. I need to stop them from this kind of practice. They are " only '' looking for {$310.00}, but I do not owe them anything. Very frustrating that they can refer anyone without any proof or signature to a collection agency and try to extort money. Please help me get this resolved, I do not have money to pay them or an attorney to hire. There are a lot of bad reviews about this entity, unfortunately I did not know this before contacting them.
I found a few other people already complaining online about being ripped off.
The amount of this scam is fairly small, so I believe most people just pay and not able or just have no time to actually report it.
This company is extorting money from people and if you do not pay they send you to collections, which scares most people into paying.
Please give me a call so I can explain my situation and hopefully you can make them stop, by exposing their scam.
Today XX/XX/XXXX they reported illegally to all my credit bureaus, even after me sending written correspondence.
Also I found after a simple XXXX search there are several complaint online about this practice with this company. They are extorting money from everyone. Because of the small amount people are mostly scared into paying and let it go. They need to be investigated and shut down.
I must pay today, so they will remove the derogatory mark from my credit report. I want my money back and these crooks prosecuted!
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| 05/27/2022 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I was notified on Friday, XX/XX/2021, that there would be people walking around that would be doing an inspection of my apartment. This inspection came as a result of my neighbor in apartment XXXX having pipes burst caused by the unexpected winter storm. Upon leaving my apartment, the inspector made it clear that the apartment was unlivable. They marked off several walls with blue tape indicating that they needed to be taken down for repair, and a dehumidifier was placed in my apartment. On Saturday, another dehumidifier was placed in my apartment in addition to a floor plan of my apartment taped to the front door. The floor plan showed all of the areas of repair that needed to occur. I called Friday XX/XX/2021, Saturday XX/XX/2021, Monday XX/XX/2021, and Tuesday XX/XX/2021 to speak with XXXX XXXX in an effort to find out what exactly was going on as well as what the expected resolution would be. I made the leasing representative aware that we had XXXX XXXXXXXX XXXX XXXX XXXX and have documentation from the XXXX XXXX. I was told on 3 days out of the 4 days I called that my name was not on the list of affected apartments. I made it clear that I wanted to get ahead of what may come. I had turned in my intent to vacate the apartment prior to these findings with no response from the leasing office. Upon speaking to XXXX on Tuesday, XX/XX/2021, she indicated that she was made aware of my intent. XXXX offered to move me to another apartment as my lease was up in XXXX. I expressed that since my apartment became unlivable, I wished to terminate my lease. XXXX indicated that I still needed to pay for XXXX lease. However, upon conducting necessary research, I have been made aware that is not correct. According to, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, You can terminate your lease Before you stop paying rent, you must give your landlord written notice that you are canceling your lease because your unit is no longer livable due to damage caused by a disaster.
If you need help writing your notice of termination letter, you can contact your local Legal Aid, Texas Legal Aid, or another legal support organization for help. Make sure you send your letter by certified mail, return receipt requested, registered mail, or delivered in person to provide a record of them receiving the letter. You are entitled to your deposit and prorated rent. Once your lease is terminated you are entitled to a prorated refund of rent from the day you move out. You are also entitled to the return of your security deposit, minus legal deductions for normal wear and tear. Make sure your landlord has your forwarding address. Your landlord can offer you an undamaged unit to move into. If your landlord has an undamaged unit that they own, they can make it available for you to move into.
If you choose to move into another unit your landlord owns, the terms of your current lease will apply. They can not make you sign a new lease. Your landlord can not make you move into another one of their units. Based on the provided information, I provided the adequate notification that was required. My information was sent to a creditor after I was billed over {$3000.00} for insufficient notice fees and early termination even though XXXX knew that I could not stay in my unit. I was cooperative with the national credit systems investigation, but XXXX refused to be compliant. As a result of their noncompliance XXXX decided to send my information to an attorney to try to collect money that was not genuinely owed to them. I cooperated with the attorneys investigation of the events as well. XXXX XXXX gave several different reasons as to why they said that I owe the charges none of which recognize the winter storm. I have in my possession photos and videos as well as two recorded conversations with the manager XXXX XXXX. The recorded phone calls prove that I was not responsible for any of the charges that XXXX has placed on my credit. The only thing I old was {$50.00} for some scratches on the wall what should have been taken from my deposit. I was not given my deposit back, I was not given prorated rent, and they have continuously lied about the charges on my credit file. I did speak to an attorney over at XXXX XXXX XXXX and he said that I follow the proper steps and protocol the next step would be small claims court. I am trying to avoid going to court as I do have to work and they should have been resolved a long time ago.
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| 12/12/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I have taken every legal step required of me to dispute an item on my credit report. First, attempting to contact National Credit Systems, the debt collector, to dispute this as totally inaccurate, which I was met with the most hateful attitude and hung up on. Then, attempting to dispute the item with National Credit System 's " law firm '', which had me send them documentation showing proof that this is not valid. They simply responded by telling me that I didn't even know what the debt was about and was completely wrong and not to contact them ever again. Next, I continued on with disputing with all three credit bureaus, this was in XXXX XXXX. Within two weeks of receiving my documentation, XXXX removed this item, stating that it was clearly incorrect. Every single month since XXXX of XXXX, I have fought and fought to have this removed from XXXX, including sending copies of official bank documents and a letter from the corporate offices of my bank stating that what was being claimed by the debt collector was completely false and not even possible. During this time, I have received several letters attempting to refuse to even investigate this matter, telling me that " they only have to investigate once, ever, and refused to do so again ''. I knew better and have called them out on their refusal to investigate, multiple times. I have also had to hire an attorney to fight this false information. All correspondence from my lawyer to National Credit Systems and XXXX XXXX XXXX XXXX, have been ignored. The first few letters to XXXX were met with stall tactics and misinformation. My lawyer sent another dispute letter on XX/XX/XXXX, then XX/XX/XXXX they received a response letter. This response letter was confirming that they were looking into a credit file item, the item mentioned WAS NOT from my credit report, but someone else 's. So, my lawyer had to send another letter asking to please look into MY credit report and the item 's information again, as they had mixed up my information with that of another person. This response was from XXXX XXXX Senior Regulatory Affairs Associate, whose office I called to make sure they were looking into the correct file and make sure they had my supporting documentation. When I called, they attempted to tell me that I was incorrect and that my lawyer had sent them the wrong info, which I responded to with the fact that I have a copy of the letter the lawyer sent and it was in fact correct. They finally pulled that letter up in their system and acknowledged that I was in fact correct and gave me the fax number to send my supporting documentation, since they apparently could not find anything I had ever sent.
On XX/XX/XXXX, they faxed an apology for mixing up the information and acknowledged that they had received my faxed documents and would re investigate again. I have now received a response report ( XX/XX/XXXX ) with the same 1 out of 2 responses that they always send, " updated information ''. The only updated information that I see is that they have allowed the debt collector to falsify an account history with varied " Account Balance '' amounts, going through to XX/XX/XXXX, even though the supposed owed amount has always been the same " {$1000.00} '' and the debt collector first started this farce XX/XX/XXXX. The original creditor is an apartment complex, claiming rent was not paid, even though they were given proof from the bank, they turned this file over to the debt collector in XX/XX/XXXX.
It has been obvious from the start that the debt collector is completely dishonest and does not care that this debt is totally bogus. From my experiences dealing with this, XXXX is just as dishonest, shady and simply doesn't care how badly they affect a person 's credit. Because this is the only negative item and over {$1000.00}, on my credit report, I have been denied credit, had to pay higher interest rates and much higher insurance rates. XXXX is clearly ignoring the dishonest behaviors of this debt collector and has zero good intentions with regard to others. I also recently discovered that during one of my many calls to dispute this item, someone at XXXX took it upon themselves to add a " ID Security Alert '' to my credit report, which I have since asked to have removed and they have also ignored that. Having this " ID Security Alert '' on my credit report has also made life more difficult when it comes to using my own credit.
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| 06/27/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I moved into XXXX XXXX XXXX apartments and immediately contacted the rental office to question whether or not the place had been cleaned prior to my arrival. I received an apology stating that they were " testing out '' a new cleaning company and they apologized if they did not do a good job. I believe that was a lie today, but I ended up cleaning the apartment myself and sending photos of the filth that was in it to the leasing agent who only said " thank you for letting us know. '' I also had a service animal which was registered, and which the kept charging me a pet fee for. Even after accepting my paperwork they still charged me the pet fee until finally after several complaints they stopped. One day I noticed water in the dogs crate and thought the dog had an accident but knew the dog didn't and then figured out that water was leaking into the unit from the roof. I complained several times about that until finally water was gushing down through the light fixtures from the ceiling in a really bad rain storm, I called the fire company to be safe because an apartment had just recently burnt down in the area from water in the electric sockets. The management came to look at it several times, then sent the people to my apartment without my knowledge when I wasn't there, even though I requested to be there. They said they can not control when outside contractors come. I was very upset over that as well as the mold that was probably in the unit from the water damage. It was apparent that it was happening for some time. My neighbor 's unit had a very large hole in the roof that was discovered when they came to patch mine. Anyway, I decided to move out, they charged me over {$2700.00} to move out, even though I protested that I shouldn't have to pay that to move out of an apartment that isn't fit to live in, I paid it because the manager said if I didn't pay it right at that time I would not be able to get out of the lease at all and would owe the remaining months, which was substantially more than {$2700.00}. I was moving out of state for a job I found and was glad to get out of there. Anyway, I found out from a credit alert several months later that they sent me to a collections agency over {$120.00} that they claim I owe to them. They charged me $ XXXX to break the lease, then they charged me {$120.00} for new carpet ( they re carpet the apartments every time and should not charge for that ) plus they charged {$550.00} for a " cleaning fee '' even though I left that apartment a heck of a lot cleaner than when I moved in. I refused to pay the pretend {$120.00} charge and had contracted with an attorney through my legal plan at work to send a letter to have the charges removed. I already contacted National Credit Systems with a letter denying the charges and with proof that I paid what I had owed the apartment owners and that they owed me my deposit back but NCS refused to remove the fee and were very nasty to me. I just found out through applying for a new apartment that the debt of {$120.00} is still on my record and has not been removed by NCS even though they have failed to prove to me that I owe it in any means. Thus I was denied housing due to a made up {$120.00} fee from a predatory apartment complex who abuses tenants over petty fees like this while not taking care of their units and allowing their tenants to live in life threatening conditions like I was when the water was pouring in from the light fixtures. I need this false {$120.00} fee removed from my record, or I need proof that I have never paid what I owed this apartment complex. Everything was paid and more, and they owe me my deposit back still. XXXX XXXX and the owners XXXX XXXX are abusive corporations that take advantage of people like me who they know get cornered into either paying them their false nickel and dime fees, or are stuck with damaged credit because they submitted false claims against the tenant. They should be looked into by the attorney general for deceptive and abusive practices. Oh, and I forgot that the address provided by NCS- which I had sent a certified letter to in a timely manner was returned as undeliverable. I mailed it certified to their corporate address and it was returned, they were legally obligated to respond to my letter but because they listed a fake address it was returned to me and they never responded to any of my emails.
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| 06/04/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received an email from my credit monitoring service that informed me that my credit profile was adversely impacted. I found that NATIONAL CREDIT SYSTEM had illegally posted an alleged collection account to my credit report. I have never heard of nor had an account with this company. My report shows that NATIONAL CREDIT SYSTEM open account was opened on XX/XX/2022 with a balance of {$15000.00}. I have no knowledge of this company, nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute before they move forward with collection attempts. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I, a consumer defined under 15 USC 1692a ( 3 ), understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) legitimate proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right as a consumer to request validation of this alleged debt they say I owe. I never received a notice of right to dispute nor did I receive any information to verify that the alleged debt with this company belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter by certified mail with return receipt, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit reports until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail because it was never sent. In order for them to prove that I received it properly, the proper letter should have been mailed certified mail with return receipt or by some form of proof of postage that would require my signature. And if the company did mail anything to me, where is the legal proof of my signature stating that I received it? Where is the return receipt or postage signature showing that I received it and signed for it? But again, I never received any sort of mail or package. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive any information to verify that the alleged debt belonged to me. My credit has dropped tremendously in the middle of making a major purchase. Please help me get this account removed immediately. As a consumer, Im publicly publishing this descriptive complaint on consumerfinance.gov so that others can learn from my experience and so that this government agency can use this information to help work with other violations and complaints from consumers regarding this company. As a consumer defined under 15 USC1692a ( 3 ), I'm also preparing to sue under the FCRA and FDCPA because of the numerous consumer law violations committed by this company, damages to my credit and opportunity costs with making a major purchase, and business ventures that must be delayed until this illegal account is removed. It should not be my responsibility to submit proof that this debt does not belong to me. It is the responsibility of the debt collector to submit proof that they can legally collect on the alleged debt and legally report to the credit agencies. As of this date, they have failed to do so. XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX, ( XXXX ) XXXX
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| 12/15/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My name is XXXX XXXX, a former resident of XXXX XXXX XXXX I moved in on XX/XX/XXXX and I vacated on XX/XX/XXXX ( due to XXXX XXXXXXXX in a previous relationship with my boyfriend ). The week of this incident I contacted XXXX regarding releasing a key to my unit to my aunt so she could be escorted with law enforcement to grab my belongings from the unit, on XX/XX/XXXX I contacted XXXX and explained the situation she granted permission for my aunt to come. I then sent my aunt a text providing her contact and address ( see attachment of text screenshot ). My aunt did come on that day with law enforcement. At this time, I was already gone, and my boyfriend was there.
The next following week or so I reached back out to XXXX to advise her I will not be returning to that unit, she then advised me on the phone that she will process everything and reach back out to me with any fees that will be owed but insured me all fees including the lease termination fee will be waived.
She did not reach out back out until XXXX to inform me of minor fees and a missing washer and dryer ( which later was discovered we brought our own dryer and washer ) and informed me she was waiting on the invoice for the paint job for the dining room wall and she will contact me when she has the information which never happened.
On or around late XXXX I received a call from a collection company for a balance of {$2600.00}. On XX/XX/XXXX, my boyfriend XXXX was in XXXX for business and he stopped by XXXX to address this matter. He sat down with XXXX, XXXX stated XXXX can not waive any fees or etc. because she does not have the authority too, XXXX was not at work this day. XXXX questioned the fees, etc. because it was all wrong and was not the correct amount. XXXX stated she will speak with XXXX and reach back out to us, which never happened, he contacted her almost XXXX weeks later I believe.
All incoming calls are recorded so it was extremely easy for XXXX to pull the call me and XXXX had regarding this however she did not. This reporting is inaccurate information which is a ground for deletion and non-pay since this is hereby a violation per FCRA. I have no issue in doing so but I have other things I can be doing besides an issue that is so easy to solve and this should have never reached this point if job duties were conducted.
XXXX is stating a balance of {$2600.00} XXXX Plan XXXX Trash XXXX Cleaning XXXX Blinds XXXX Wall Fee XXXX Wall Fee XXXX Utilities XXXX XXXX Fee XXXX Moved out XX/XX/XXXX My concerns and request : XXXX ) The ledger does not add up to {$2600.00}, please break down the price equaling to the total amount.
XXXX ) I moved out XX/XX/XXXX. I would like this corrected and prorate corrected.
XXXX ) Utilities prorated amount is incorrect XXXX ) XXXX XXXX XXXX Notice fee is not removed It was made clear to XXXX & XXXX XXXX XXXX this balance is no issue ; however, the issue is the balance is not correct. I sent the police report and the protection order as well. Once XXXX discovered that this was an issue then she could have called the collection company to place this account on hold until she reviewed everything so it would not hit my credit reports for an error that should have never taken place and/or had the collection account sent back to XXXX.
All I am requesting which is all I have been saying since all this started is the amount correct so it can be paid, now it has hit my credit file so I am requesting this account be pull out of collection, removed from my credit file, and sent back to XXXX for adjustment so I can make a payment and be done with this issue, So, it is removed from my credit file. Paying whatever is owed is not the concern at all.
I have attached several emails, GA power disconnect notice request, screenshot of me asking my aunt to get the key, U-Haul pickup, etc. to verify such dates and information.
All I am requesting is this is corrected so I can pay when it's done but most importantly, removed from my credit file.
I never recieved any nofications from XXXX XXXX XXXX at all to dispute this information. It was placed on my credit file with a balance of XXXX, months later they updated the balance to XXXX in which I do not know why.
The amount owed is false/wrong.
The reporting was wrong and inaccurate in which is true a FCRA violations.
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| 06/26/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Tx, XXXX XX/XX/2022 NATIONAL CREDIT SYSTEM XXXX Naturally XXXX XXXX XXXX, Ga, XXXX Re : XXXX Dear NATIONAL CREDIT SYSTEM FAIR DEBT COLLECTIONS PRACTICES ACT ; NOTICE OF DISPUTE OF DEBT This is a request for VALIDATION submitted pursuant to the above-mentioned Title and Section, not for " verification '' or evidence of my mailing address. I respectfully request that your offices supply me with competent evidence that I am obligated to pay you under Federal law.
You have received this NOTICE in compliance with the Fair Debt Collection Practices Act, 15 USC 1692g Under the FDCPA, I have the legal right to demand proof of the alleged debt NATIONAL CREDIT SYSTEM claim is owed to NATIONAL CREDIT SYSTEM. I'm demanding evidence that I am the party you're asking to pay this debt, and that I am obligated by some contractual responsibility to pay this amount.
Why NATIONAL CREDIT SYSTEM thinks I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred.
When NATIONAL CREDIT SYSTEM identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor.
Can NATIONAL CREDIT SYSTEMS provide a copy of the written agreement that created my original requirement to pay?
If NATIONAL CREDIT SYSTEM is asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
The amount and age of the debt, including : State the amount of the debt when you obtained it, and when that was.
If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
Tell me when the creditor claims this debt became due Have NATIONAL CREDIT SYTEM made a determination that this debt is within the statute of limitations applicable to it? Tell me when NATIONAL CREDIT SYSTEM think the statute of limitations expires for this debt, and how NATIONAL CREDIT SYSTEM determined that.
Details about NATIONAL CREDIT SYSTEM authority to collect this debt.
Does NATIONAL CREDIT SYSTEM firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
If NATIONAL CREDIT SYSTEM is contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from NATIONAL CREDIT SYSTEM to make an informed decision about NATION CREDIT SYSTEM claim that I owe this debt. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
Thank you for your cooperation.
Sincerely, XXXX XXXX
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| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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THIS COMPANY CAN NOT AND HAS NOT produced me my original bill from the original creditor they purchased my debt from and because of that they must to cease all collection efforts and remove this account from my credit report. REMEMBER I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
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| 09/24/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Two months ago i learned that a past Apartment complex I lived in sold or hired a collection agency for debts incurred in XXXX for an eviction. I found out by learning that it was on my credit report when i tried to apply recently for housing and was turned down because they said i had a collection on my account in the amount of XXXX. Once I looked into it I called the collection agency listed on my report and spoke with a gentleman name XXXX XXXX from NCS. I said I just found out about the debt and id like to settle it however I need itemized charges because the amount I'm seeing has to be incorrect. He informed me that he had both my lease and itemized charges and that he would email me these items and then send a settlement offer that I should receive any day. Fast forward to today XX/XX/XXXX I called this guy back last night because I never received the email and left a long detailed message about how I contacted original creditor and got a copy of the charges and that I was disputing the charges but to call me today and if I hadn't heard from him Id call. I called around XXXX XXXX pacific XXXX. I explained to him that I never received the email with the charges or lease and that as a result I went to original creditors XXXX XXXX and they printed out a list of charges. I also spoke to a manager who stated that NCS had everything and that they couldn't get involved further because NCS now owns the account. XXXX interjected that in fact they didn't own the account and they were collecting on behalf. I found this interesting because twice I was told by a staff member at XXXX that there was nothing they could do because they dont own the account anymore. I was told once on the phone a month prior and last week when I went to the office in person. At any rate the charges which i will attach to this are for charges for normal wear and tear which i can not be charged for. You can not charge for painting, carpet cleaning, apartment cleaning. The XXXX deposit was for carpet cleaning. Also If you evict a tenant in nevada you can not then turn around and ask for the money for the month you are evicting them for. Its either evict for nonpayment or take payment and no eviction, you cant kick the person out and then ask for the amount that you kicked them out for. I also was never notified of how my security deposit was used within the 30 days that they are supposed to notify you that way I would have known that this huge amount they were charging me for had been following me around on my credit report. they were in possession of both my email address and forwarding address in which i never received any notification about charges. I also explained that i see that they tried to claim damages when there was no such damage ... he then said they did not charge for damages that i was responsible for all of the fees. he then stated that because i didn't do a walk through as stated in my lease as a requirement that they basically can charge whatever they want. I stated that my lease said no such thing and that I was told when i gave the keys in that they could not do a walk through that day by the leasing agent XXXX XXXX. I also informed him that a previous company is who i had the lease with and only a month prior to the eviction unbeknownst to all of us at the complex that the complex had been sold. I agree that something is owed and I really wanted to work something out but the charges are overcharged by over 2,000. The conversation didn't end well because the guy starts getting snappy and was like most people who call here call because they want to work it out but obviously thats not what you are doing here. Interesting because the settlement i received from him recently which happened to expire was close to the actual amount i should have been charged. So now false information continues to sit on my credit report because of lies and false reports of what i owe and the two companies XXXX XXXX and NCS aren't helping because XXXX is outright denying that they still own the account and now ncs is saying they don't own the account. In the mean time i cant rent any apartments because landlords here wont rent to someone with a high collection account from an apartment
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| 01/17/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX UNIT XXXXXXXX WASHINGTON, DC XXXX XXXX XXXX XXXX REQUEST LETTER TO WHOM IT MAY CONCERN : Received a copy of my credit report with the intention of trying to improve my credit and take care of my responsibilities and noticed a few accounts that I wanted a little more explanation on. Not saying they are reporting right or wrong. Just saying that I am not XXXX percent sure rights to challenge anything, I am not sure is accurate. Some of the people reporting things on me, I have never heard of, made me write to you all.
Are you familiar with something called 15 U.S.C Sec. 1681i ( a )? Heard that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted- if they are not XXXX percent correct. So, could you please check on these and get back with me? Saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please investigate the following accounts and remove them if anything is missing or not, correct them.
Would like these accounts removed from my credit report immediately or will have to file lawsuit against the following companies etc. : XXXX, XXXX, XXXX, following companies who keeps violated me of my privacy.
In accordance with Fair Credit Reporting, everything must be 100 % accurate on my credit report.
The Credit bureau stated my account was thoroughly investigated, but how is that possible if the opening date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal they also violated my right under : 15 U.S.C. 1681 Section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A. Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 USC 1692. ( C ) ( A ). Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit. Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been abused and deceived so be it. The affiant is aware and has proof in attachment labeled as exhibit A that corporation name is in violation.
15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}.
Also, the Credit bureaus took more than 30 days to complete my investigation here is my certified mail tracking # XXXX XXXX XXXX XXXX Account : XXXX XXXX XXXX XXXXXXXX XXXX.
XXXX, GA XXXX XXXX Closed Account : XX/XX/XXXX of as XX/XX/XXXX, the agency reported that, I was late on my payments, and this was injustice evictions due to, I was never served by management company or courts. XXXX XXXX XXXX refuse to send over the XXXX and took payments from ( Maryland XXXX Assistance payments from other residents and but refuse to process my payments cause, I was an employer who they had sign ( 2 ) leases, I wasn't never served by the courts or property XXXX. I never knew when my court date was at all. XXXX XXXX XXXX, on XX/XX/XXXX, just reported without my consent that, I was late on my rental payments.
Reporting : XX/XX/XXXX through XX/XX/XXXX delinquent payments and of as ( XXXX ) months of delinquent payments etc. XXXX, XXXX, XXXX has been reporting payments late in the amount of {$10000.00}. 15 U.S. CODE 1681N- CIVIL LIABLILTY FOR WILILFUL NON-COMPLIANCE ( A ). Any actual damage sustained by the consumer because of the failure or damages of not less than {$100.00} and not more {$1000.00}.
Please Investigate if every piece of information is correct. If not, please remove it from my credit report.
Results : Theses accounts are hurting my credit and with inaccurate information for my family where we can not purchase a car or home due to negatively reporting on my credit report.
Attached is a copy of my report with the accounts in question circled.
Thank you for your assistance.
Sincerely, XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, Attorney General of Washington XXXX DC XXXX Consumer Financial Protection Bureau XXXX XXXX, Attorney for XXXX XXXX
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| 11/17/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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It was brought to my attention in XXXX of XXXX that National Credit Systems , Inc was collecting a debt for XXXX At XXXX XXXX Apartments in the amount of {$7100.00}. I immediately disputed with the 2 credit bureaus that showed this account. This could not be my account because of the amount. On XXXX XXXX, XXXX I reached out by phone to National Credit Systems , Inc, spoke to XXXX XXXX, and disputed ownership of this account. On XXXX XXXX, XXXX I called XXXX XXXX for an update. I was informed that the Apartment Complex called the day before and confirmed that this is my account. I asked for an itemized list of charges by email. The list is clearly incomplete, it looks pieced together. I then gave her a list of items that I was disputing, including an amount of {$4000.00} for accelerated rent. I also pointed out that the deposit shown was incorrect, and had not been applied to any of the balance. On XXXX XXXX, XXXX, I called and spoke to XXXX XXXX about an update on the dispute. She informed me that nothing had been responded to, and that 30 days would be up on XXXX XXXX, XXXX. I asked her what happens if the Apartment complex does not respond by then. She stated that they would have to close the account at that point. On XXXX XXXX, XXXX I called XXXX XXXX to ask what the status of the dispute was, and she informed me that the Apartment complex had not responded. I then asked that they close the account, and she said they would not. On XXXX XXXX I called to speak with XXXX XXXX using her extension and got XXXX, who states he is the floor supervisor. XXXX informed me that the Apartment complex does not have to validate or prove anything, and they are not bound to respond to anything within 30 days. I then requested the rental history on the unit in question. He was not hearing any other disputes. On XXXX XXXX XXXX XXXX called me to inform me that they removed the accelerated rent in the amount of {$4000.00}, leaving a balance of XXXX. I asked for another itemized list of what was still being charged, and to today 's date, XXXX XXXX, XXXX I have not received the revised list. On XXXX XXXX, XXXX XXXX returned my call that I placed to XXXX XXXX on XXXX XXXX, XXXX. In that call, I explained that I had not received the new itemized list of charges, but would like to settle this account for {$1200.00}. I was told by XXXX that that was not going to happen. On XXXX XXXX I made a call to XXXX XXXX XXXX, the management group for XXXX at XXXX XXXX apartments. He stated that he would reach out to National Credit Systems and have them call and talk with me. I called again on XXXX XXXX, XXXX, and he was surprised no one had called me. He said he would try again. I then called again on XXXX XXXX, XXXX, and he explained that he wrote an email to the manager of National Credit Systems, and confirmed my account number that I gave him. He stated that when he spoke to them the day before, they could not find my account. I called National Credit Systems on XXXX XXXX, XXXX, and got XXXX again. He stated that they had received the email, but felt that they did not need to call me because they had spoken with me earlier in the week.I again offered to pay {$1200.00} to settle the account, and XXXX informed me that there is not a settlement offer on my account. I then asked to speak to a manager above him, he stated that they do not answer phone calls, and I could not just speak to a manager because I did not like what he was saying. When I asked what did he mean the managers do n't answer phone calls, he got loud and said thank you for calling National Credit Systems and hung up. I then called back and asked the operator to speak to a manager above XXXX, she transferred me to XXXX. I asked XXXX what his position was, and he stated XXXX XXXX. He then put me on hold. He came back, and I asked to speak to a manager above him and XXXX. He asked me what could he help me with. I asked again if he was the manager, he stated that he told me what his position was. I asked for a manager above he and XXXX, he put me on hold, and sent me to his own voice mail.
National Credit Systems is still reporting a debt of XXXX on my XXXX and XXXX credit reports.
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| 08/01/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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To whom this may concern, I've reached out to National Credit Systems " debt collector '' on several occasions. When I first received the letter in the mail XX/XX/XXXX I immediately called the same day on XX/XX/XXXX and spoke with XXXX XXXX XXXX I advised her that my grandfather had just passed away and I would need a little time to lay him to rest and I also advised her I will send over the dismissal letter from the courts showing the case was dismissed. She advised to either email or mail a copy of the litigation from my lawyer showing the case was closed by the courts to XXXX XXXX XXXX XXXX, GA XXXX with my account # XXXX to Client Services. I then received another letter dated XX/XX/XXXX in the mail after speaking with XXXX XXXX advising that " I have not made a suitable arrangement to resolve the above referenced debt and to please be advised we will soon report this account to one or more consumer reporting agencies " credit bureaus ''. Once accepted by a credit bureau, adverse info contained in their credit reports can make it difficult to obtain credit, rent, and/or secure favorable interest rate, You may avoid adverse credit reporting entirely if we can work out a suitable arrangement '' after I had just spoken with her on XX/XX/XXXX in regards to this matter and she agreed to take some time since my grandfather had just passed away on XXXX XXXX. I then called immediately again after seeing the letter on and I advised that I had just spoken to you in regards to my situation. She then advised I would need to have my lawyer mail & fax the dismissal letter from the XXXX XXXX XXXX if not my case will be reported to all XXXX credit bureau 's. I then reached out to the Client Services dept on XX/XX/XXXX and was told that I can email a statement and a copy of my litigation to XXXX in which I emailed 3 times on the same date attached with the dismissal letter. I then called the next day and spoke with XXXX XXXX to see if the email was received & I was told that they never received the email and was told that I would have to mail the documents in. On XX/XX/XXXX I called and spoke with the manager XXXX XXXX XXXX at XXXX XXXX & b he advise that after 58 days the account is forwarded over to the manager and sent over to the credit bureau 's. I stated to the manager that I have called & spoke with XXXX XXXX regards to the passing of my grandfather and she advised to allow me some time to burry my grandfather & to grieve. I also advised to the manager that the case was closed on XX/XX/XXXX and this should have never been reported to the credit bureau 's because your company can get in big trouble. He advised if the case was closed he does not want to get sued or in trouble and that the lawyer still needs to reach out and provide him the dismissal letter from the courts. I cant provide that information to them. I then reached out to the XXXX XXXX XXXX XXXX where the case was dismissed and I was advised that National Credit Systems is not supposed to report to the credit bureau 's since the case was dismissed in court and to reach out to all XXXX bureau 's and provide a copy of the dismissal showing the case was dismissed and closed by the judge. I sent out several letters attached showing proof with the dismissal letter from the court to XXXX, XXXX XXXX XXXX in regards to National Credit Systems illegal reporting & needing to be removed since the case was closed by the courts from the time it was reported to the all 3 bureau 's up until now and before the 30 days approach I receive feedback every time stating the account is accurate & will stay on my report. I did show XXXX deleted National Credit Systems on XXXX XXXX but National Credit Systems reported it back to XXXX on XX/XX/XXXX and now its back on my report. I also do show they update the credit bureau 's every 2 weeks incorrect information when its hurting my credit and needs to be removed. I have attached the dismissal letter from the court showing proof that the case was closed. Please have all 3 bureaus remove the false information from my report. I really thank you so much for the help
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| 09/29/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My credit reports from XXXX, XXXX and XXXX all show an attempt by National Credit Systems to collect close to {$4000.00} that I do not owe. They claim that I owe the money for damages done to an apartment in which I lived in 2012. I have been disputing this debt with all three credit reporting agencies for some time ( since I first realized it was on my credit ). It is still on every single report, and is currently preventing me from renting an apartment in which to live. I have attached a letter from an apartment complex that I applied to the day before yesterday that states that it is this specific debt on my credit report that is preventing them from allowing me to lease an apartment in their community. I contacted National Credit Systems today to dispute the debt and ask them to remove it from my report. They were extremely rude, refused to offer any evidence in favor of their case, and showed no willingness to get to the bottom of my complaint, or to even remove the debt from my credit report temporarily until my complaint could be resolved. They went so far as to say that I needed to prove that I did n't owe the money in the first place. I 'm not sure how to do this, since proving a negative is a logical impossibility. Plus, asking me to, in essence, prove my innocence flies in the face of one of the most fundamental notions on which our country was founded, namely the notion that we are innocent until proven guilty. The fact that they offer no evidence whatsoever that I owe the money is very disturbing, since this item on my credit has had, and is still having, very negative repercussions for my life. In addition, the notion that anyone with my social security number could invent a debt and then proceed to report the debt as unpaid to one of the credit reporting agencies, thereby damaging my credit, my potential job opportunities, and my living situation is scary to say the least. It seems to me to be a breach of the credit reporting agencies ' fiduciary duty to consumers to report debts as owed with no proof other than the word of the entity claiming to be owed. In essence, National Credit Systems is committing extortion, and all three credit reporting agencies are knowingly complicit. National Credit Systems is attempting to force me, by actively damaging my credit, to pay them thousands of dollars before they will remove a negative item from my credit. An item for which they have no proof that I actually owe, other than that they say I owe it. When I contacted the credit reporting agencies directly to complain that I do not owe the debt, their response was that I should pay it, and then they would remove it from my credit. Moreover, none of the dispute investigations that the credit reporting agencies say they carried out can have been carried out in good faith or with due dilligance, since any thorough investigation would demand that National Credit Systems provide proof of the debt beyond a letter claiming that I owe the money. Adequate proof that I owe the money would consist of, at minimum, documentation of the debt, including, but not limited to, pictures of the damage to the apartment that they claim I damaged, and invoices detailing the dates and charges for work performed to fix the alleged damage. The credit reporting agencies should have a fiduciary duty to consumers to verify the validity of any debt they report as owed. No one should be allowed to report anything negative on anyone 's credit without first providing proof that the debt is owed, and that the person who owes the debt is actively refusing to pay. Just because some company with access to my social security number claims that I owe them money should not be enough to justify listing the debt as unpaid on my credit report. In addition, the credit reporting agencies should keep a record of, and be able to furnish to any affected consumer any proof offered on behalf of the creditor that the debt is actually owed by the consumer they claim owes the debt. Furthermore, disputed debts should be removed from all credit reports until the dispute is resolved.
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| 01/11/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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THIS IS NOT A DUPLICATE THIS NEW National Credit System XXXX XXXX XXXX XXXX, GA XXXX XXXX : XXXX this company is trying to collet {$10000.00} From a Company Call XXXX XXXX At XXXX XXXX XXXX, i Did call. they are refusing to validate this I want them to Validate this deb Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : 1 The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed.
2 If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
3 Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
4 If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay.
5. The amount and age of the debt, including : 6 A copy of the last billing statement sent to me by the original creditor.
7 State the amount of the debt when you obtained it, and when that was.
8 If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law.
9 If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them.
10 If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law.
11 Tell me when the creditor claims this debt became due and when it became delinquent.
12 Identify the date of the last payment made on this account.
13 Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that.
Details about your authority to collect this debt.
14 I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
15 If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us.
If you can not Validate this Deb please erase this from my credit reports
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| 01/17/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/XXXX I received a dunning letter from National Credit Systems , Inc., dated XX/XX/XXXX stating I owed them {$640.00} for a debt owed to XXXX XXXX XXXX C/O XXXX/XXXX. I responded to their letter requesting debt validation. They replied to my letter on XX/XX/XXXX offering me a settlement offer of 50 % off the amount owed. At the same time, they went ahead and reported the account to the credit reporting agencies. Without providing me the necessary documents or legal paperwork for me to review the account, they placed the account on my credit reports as a way of trying to intimidate and extort me into paying them money for something I do not owe them for. I called their company National Credit Systems , Inc., and spoke to a woman who stated she was unable to explain to me what the charges were for, but that I owed it and needed to pay it. She tried offering me to remove it if I paid the amount closest to {$640.00} that I could come up with. I declined and hung up. Then on XX/XX/XXXX, I received a letter similar to the dunning letter I originally received only this time it had a copy of the lease I signed in XX/XX/XXXX. I attached copies of all the letters I have received from this company and others regarding this same account. I responded to their letter and disputed the account and charges and the fact that I do not owe this collection agency any money. On XX/XX/XXXX National Credit Systems Inc., responded with the exact same letter as before with the same copy of the lease. Then on XX/XX/XXXX received a dunning letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX claiming I owed them this exact same debt. It appears that National Credit Systems Inc., sold the debt to them after they could not validate the account to me. I responded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and explained to them how National Credit Systems Inc., could not validate the debt and sold it to them. On XX/XX/XXXX I received a letter from the XXXX XXXX XXXX XXXX XXXX XXXX offering me a settlement offer for less than the amount owed. I responded to them and advised them I would not be settling anything with them as I did not owe them a dime. I saw on my credit reports are reporting 30-day late pays every 30 days, and I wrote the credit reporting agencies asking them to remove the account and advised them to validate the debt as well. On XX/XX/XXXX I received yet another letter from National Credit Systems stating the exact same thing over and over again as they have continued to send me the exact same letter with no changes or anything new on it. It is the same copy of the lease. There is no contract showing this company own any debt against me. There is no signature of mine on this debt. There is no proof of what these charges are for. There is no legal paperwork of any kind telling me why I owe National Credit Systems Inc., any monies. Instead they provide me the same letter telling me that they have looked into the dispute and have not found sufficient evidence to validate my claims and that I should provide to THEM the information regarding this account. Like really???? I 'm sick of this! This debt keeps getting passed around to different cities, different states, different companies and I want them to remove it from my credit reports once and for all. My next step is to file a lawsuit against them so that they can pay me for damages and so that they can come and tell me face to face in court why I owe them and explain why they have failed to provide me the required paperwork that I have been requesting for almost 2 years now. Going through the CFPB is my LAST and FINAL attempt at resolving this matter. If they continue to push me around with nonsense, I will have copies of my complaint, all my letters from them, and all the letters I have sent to them as well. I 'm done being bullied by this company and they are getting away with it because the credit bureaus let them. I have disputed this account with XXXX, XXXX and XXXX and neither of them have helped me. I am done waiting around for them to rectify this situation.
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| 08/27/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I recently reviewed my credit reports and found 2 negative items from this company that does not belong to me. Please supply the information below so that I can be fully informed : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay? If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. State the amount of the debt when you obtained it, and when that was. If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. Tell me when the creditor claims this debt became due and when it became delinquent. Identify the date of the last payment made on this account. Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Details about your authority to collect this debt. I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us. In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account. Thank you for your cooperation.
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| 08/07/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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My information was leaked during a data breach and come to find out, my personal information was among million of american who information was leaked as well. i have been a victim of identity theft and recently I've noticed that my information and name was used to open an account.XXXX, XXXX and XXXX, I am making a final goodwill attempt to have you clear up this matter. The accounts you sent back verified are entirely inaccurate, fraudulent incomplete and represents a very serious error in your reporting. Also, be advised that this is my second time contacting you company about this matter in writing. Your company is in violation of 15 U.S.C. 1681. No need for me to go into detail and tell you the law. Your company KNOWS for a fact that you are required under the FCRA to have properly verified the accuracy of an account listed on my credit report with physical documents. I AM A VICTIM OF IDENTITY THEFT. MY INFORMATION WAS LEAKED IN A RECENT DATA BREACH WITH XXXX, XXXX XXXX. I AM ALLOWING 3 BUSINESS DAYS ALONE FOR THIS MATTER TO BE RESOLVED WITHIN THE TIME PERIOD OF AN INTERNAL INVESTIGATION.
As I am sure that you are well aware, current Federal case law states that, Consumer Reporting Agencies bear grave responsibilities to ensure the accuracy of the accounts they report on and their responsibility must consist of something more than merely parroting information received from other sources. That basically means that you cant just verify my account by telling me it is verified. Nor can you verify my account by telling me you contacted the creditor and the account I disputed is Verified. This means that IF you cant send me proof of these accounts from YOUR COMPANY, it must come off immediately.
All in all, you have ignored my request to provided me with the documents that you have in your files that you used to verify the disputed accounts which means that you have NOT verified or you can not verify any of these accounts and under Section 611 ( 5 ) ( A ) of the FCRA you are required to ... promptly delete all information which can not be verified.
Account Name : NATIONAL CREDIT SYSTEM {$1300.00}.
Inquiries : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. I AM ALLOWING A TOTAL OF 3 BUSINESS DAYS FOR THIS MATTER TO BE RESOLVED. You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609.
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609.
Reason : You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609.
You failed to verify and validate all data for this account, every notation, dates and balances. This account needs to be removed IMMEDIATELY via FCRA section 609.
If your company, XXXX, fails to comply with federal regulations by credit reporting agencies, you will be required to appear in a court venue local to me, in order to formally defend yourself. I will also have your company investigated by the Federal Trade Commission ( see 15 USC 41, et seq. ). I am also maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney Generals office, should you continue in your non-compliance. I further remind you that, as in Wenger v. Trans Union Corp., No. 95-6445 ( C.D.Cal. Nov. 14, 1995 ), you may be liable for your willful non- compliance.
Failure to respond satisfactorily within 30 days of receipt of this certified letter will result in a small claims action against your company. I will be seeking {$5000.00} in damages for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act Also, I would like an updated copy of my credit report once this investigation is complete.
Thank you,
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| 04/02/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In response to the companys response to a previous CFPB compliant # XXXX submitted on XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX National Credit Systems XXXX XXXX XXXX XXXX XXXX, Ga Date : XX/XX/XXXX Re : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX XXXX XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at XXXX. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of Appellee at XXXX. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ 1000s.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, XXXX XXXX
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| 07/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I AM REQUESTING VALIDATION, NOT VERIFICATION!! This COMPLAINT is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
A response with a bill is NOT evidence of proof that the debt is mine. Anyone can open an account under my name for which a bill is produced, but that doesn't mean it was actually me or that the debt is actually mine. I need real evidence. This evidence consists of a contract from the original creditor or some agreement bearing MY written signature agreeing to pay the debt. In the absence of this evidence I ask you to please remove this account from my credit report.
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| 01/08/2020 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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While under lease with a particular apartment complex ( XXXX XXXX XXXX ) in XX/XX/XXXX, my unit was broken into and I was robbed of my personal belongings and also robbed of my peace of mind. What was more concerning to me besides my safety, was the future security of my home. The majority of the frame of the door fell completely inward as I returned home from the gym that Saturday evening to see the damage that had been done. I called police to the scene only to be given a police report ( that I no longer currently have due to misplacement over time ). The incident happened on a late Saturday evening which meant I could not report the incident to the leasing office of the apartment complex until the following business day.
Once they opened, I was able to describe the actions that had taken place the previous Saturday. We were told by the office staff that there was nothing they could do about the robbery and as for the door frame, ( which made the unit impossible to live in ), we would need to put in a work order which they were 'already backed up on '. With no other options, I packed my things and left the unsafe unit with plans to dispute the matter at a later time. Within maybe a couple of weeks after moving out due to the unforeseeable circumstances, I returned to the apartment complex to dispute said matter. It was at that point I was informed that the apartment complex had a new office staff and shortly after, was under new management. At this time the apartment complex had changed their name and updated management information online etc. The new apartment complex and management company implied that that issue was not with them but instead the previous management company. I was not sure what to do at that point, but after trying to get another lease with another apartment, I was I was declined for reasons related to 'bad rental history '. I checked my credit report only to see that an outstanding balance of {$1300.00} had been sent to a collections agency, ( XXXX XXXX ) opened on XX/XX/XXXX. This was an issue because I was not able to properly dispute the matter related to the balance of {$1300.00} before it was a derogatory mark on my personal credit report. I reached out to the management company ( XXXX XXXX or according to my credit report : XXXX XXXX XXXX XXXX XXXX ), who was responsible for sending this debt to collections. I had intentions to resolve the matter. I was then informed that the issue needed to be resolved/disputed with ( XXXX XXXX ). I contacted ( XXXX XXXX ) and they were not budging nor did they seem to understand my issue. Things became discouraging because I felt that this balance was unfair to me and my credit life.
On XX/XX/XXXX another outstanding balance was opened up on my credit report by ( NATIONAL CREDIT SYSTEMS ) that has a current balance of {$2000.00}. The original creditor for this balance according to my credit report is ( XXXX XXXX XXXX XXXX XXXX XXXX ). " XXXX XXXX XXXX XXXX '' is the newer name off the apartment complex. The management company for " XXXX XXXX XXXX XXXX '' is ( XXXX XXXX XXXX ). I then contacted ( NATIONAL CREDIT SYSTEMS ) by phone to resolve the matter. I asked the phone associate why do I have two separate balances related to the same incident on my report, and they implied that this balance was sold to them and that the balance of ( {$2000.00} ) was the only balance they were aware of.
However according to my credit report, I have two separate balances, opened by two separate collection agencies, from two separate " original creditors '' for the SAME incident. I have tried for so many years to resolve these issues and it has been hectic and unfair for me. This process of submitting a complaint was recommended for me to resolve this issue as it is a very unique issue. I am praying this process can help. Unfortunately I do not have anything tangible to attach, however, I feel this issue can be resolved nonetheless. Please and thanks in advance.
|
| 12/04/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I live in a rental home that was leased from XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. When I rented this home, I gave XXXX XXXX a deposit of {$1000.00} dollars as well as a Pet Deposit of {$650.00}. I never missed a payment and was rarely late. The first thing that occurred was each time I had an issue such as a dish washer breakage, XXXX would raise my rent one week after by {$50.00}. This happened each time I reported an issue, and it soon went to {$150.00} per incident. After a while I learned not to report an issue. After that the house was lived in and I repaired any issues that arose. At the end of my lease in XXXX XXXX XXXX, I gave XXXX a 30-day notice by email as well as a written letter. During the month after the notice no one from XXXX wanted to walk the house or speak about the rental status. I had been offered a job in AZ and we moved quickly. I hired cleaning companies and XXXX XXXX to clean the carpets. This home was in poor shape concerning leaks in the chimney and the fireplace, so it had mold. The cleaning company refused to come in and clean because of the poor state of the chimney and the water leaks. XXXX XXXX came and when connecting to the front faucet, broke it clean of into the brick. It took a few days to get XXXX at XXXX to find help to fix the faucet. The city had to turn off the water so XXXX XXXX could repair the plumbing for the water. After that there was an issue in the main line and the water was turned off again. Due to many issue with the poor water pipes on this home and getting XXXX to repair things I had to abandon the carpet cleaning. I assumed my deposit would take care of any carpet cleaning costs. I never heard from XXXX until National Credit Systems called me and stated I owed XXXX XXXX {$4000.00} for new carpet and new paint. The lady I spoke to was quite rude and insisted I would pay this debt! Their website states recover money that is rightfully owed to them by former residents so I told them the carpet and paint was Ten years old and was beyond its ability to be cleaned. NCS stated they wanted the {$4000.00} or they would place this on my credit which was done. I stated I would not pay {$5000.00} to replace carpet that was Ten years old ( including my deposit ). Since this has been on my credit, I have received several phone calls from very difficult and mean people. They will not settle and refuse to hand over any documentation from XXXX concerning the details of the carpet replacement and paint. Their website, when accessed to get the details of the debt says : There is an error accessing the files.. Cant open file. I have sent them repeated emails to their customer service email, and I have sent repeated certified mail to their address. I have received no response. All I can do is call and deal with their personnel which is difficult and always leads to a bickering match. My last call I asked them to take a settlement and they absolutely reused and stated it was all or nothing. Today I called XXXX XXXX and asked if the debt NCS was requiring me to pay was what they asked NCS to collect. I did this because of the fraudulent tactics many people claim NCS uses on the consumerfinance.gov site. I have now sent two more certified letters threatening a lawsuit. If I find that NCS has fudged any numbers, I will sue them to the fullest extent of the law. Please note : XXXX never once looked at the home while I was there. XXXX never paid any attention to the chimney, which was in poor condition when I moved in ( including old silicone to stop leaks ), and the per deposit of {$650.00} was plenty to take care of any cleaning needs because of a dog. Instead, I lost my deposit, my {$650.00} was ignored and NCS is requiring me to pay for ALL new carpet in the home. This is unfair and illegal because carpet and paint are a wear and tear item for a rental. Pet hair can be vacuumed and is not a basis to charge such a large amount of money.
|
| 10/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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In XXXX XXXX XXXX I reached out to the companies listed that it says I owe the debt to and the agent said they have no record of me.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas, XXXX XX/XX/2023 National Credit System NOTICE AND DEMAND FOR CEASE AND DESIST FOR ACCOUNT # To Whom It May Concern : I have asked you to validate the alleged debt that you claim that I owe, and all you have provided me are statements and signatures to an account that you can not prove is mine.
You have violated my consumer rights under the Fair Debt Collection Practices Act ( FDCPA ) 15USC 1692 ( g ) - Failure to validate this alleged debt.
I refuse to pay this alleged debt until the proper validation of this debt is provided. Please cease and desist all collection activities until you can properly validate this alleged debt.
15 USC 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.
If proper validation of this alleged debt is not provided within XXXX calendar days of receiving this notice, I will assume this alleged debt to be invalid and you shall delete this account and stop all collection activities regarding this account.
Furthermore, you do not have any jurisdiction or authority to even collect on this alleged debt.
FDCPA 811 [ 15 USC 1692i ] Legal actions by debt collectors ( a ) Venue Any debt collector who brings any legal action on a debt against any consumer shall -- ( XXXX ) in the case of an action to enforce an interest in real property securing the consumer 's obligation, bring such action only in a judicial district or similar legal entity in which such real property is located ; or ( XXXX ) in the case of an action not described in paragraph ( XXXX ), bring such action only in the judicial district or similar legal entity -- ( A ) in which such consumer signed the contract sued upon ; or ( B ) in which such consumer resides at the commencement of the action.
( b ) Authorization of actions Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors.
By the way, if you ever decide to turn this alleged debt over to an attorney to collect and violate my rights under the FDCPA 15USC 1692 even further, just keep in mind that an attorney can not be a debt collector and a debt collector can not be an attorney.
FDCPA 807 [ 15 USC 1692 ( e ) ( 3 ) ] False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : The false representation or implication that any individual is an attorney or that any communication is from an attorney.
With all that was said above, for each VIOLATION of the FDCPA that you have committed I am entitled to {$1000.00} per violation. You dont believe me? Ok, let me show you what the law says : FDCPA 813 [ 15 USC 1692k ] Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector 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 of -- ( XXXX ) any actual damage sustained by such person as a result of such failure.
( XXXX ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
Your Options are as follows : Delete this account and cease and desist with all collection activities.
Settlement ; or We go to court and you incur lawyer fees, plus pay me {$1000.00} per violation along with more in damages.
Sincerely, XXXX XXXX
|
| 06/27/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX RE : Account # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/1996, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ).
XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/1996 notice of claim. Brief of Appellee at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree.
The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue.
I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX.
You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
I intend to follow through with the suit if I do not hear back from you within 15 days.
I look forward to hearing from you, Best Regards, XXXX XXXX XXXX
|
| 04/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I acquired this debt XXXX 2015 from my apartment complex. I have been working with National credit system Inc. paying off a debt in the original amount of {$3100.00}. My collector name is XXXX XXXX ext XXXX, which she is very rude, abrupt and argues with you. I have now paid a total of {$1800.00} towards this debt, and last Thursday XXXX XXXX at XXXX I called and spoke to my collector and we reached a settlement amount of {$800.00}. I agreed to pay the settlement and she tried to run my card for the {$800.00} my card did not go through and declined so I gave her permission to contact my bank with me on the line. We called my bank and I spoke to an agent that advised the reason why my card could not go through was the payment would oversee my daily limit for the day, and that the amount that I could use my debit card for the remaining of the day was {$200.00}, but that we could use a check to make the full payment. Once we ended the call with the XXXX XXXX rep the line hung up completely. I tried calling back several times and I was then receiving an automated voicemail that it was after hours, which then I told myself I would just call back the next day to continue the payment. I looked at my online banking account and noticed a {$200.00} charge from National credit system was reflected. I thought it was weird that she processed a portion of the payment without me acknowledging and before the call hung up we were advised that we could do check by phone for the full settlement amount of {$800.00}. On Friday XXXX XXXX I called back at XXXX to pay the remaining settlement since she debited {$200.00}, and then again received the automated message that the office was now closed. Typically I call after work so decided that I would just call on Monday XXXX XXXX to finally settle it all. On Monday XXXX XXXX at XXXX I called to and spoke to XXXX XXXX . During this call she was very rude yelling over me and advised me that she would no longer honor the {$800.00} settlement amount and that I would have to pay the balance in full. I asked her why she would not honor it and she advised that settlement no longer stood, and that I did not call back on Friday to settle I advised her that I did call and that I received a message that the office was closed and she advised that they close at XXXX on Friday and that it was my fault. Frustrated and upset I hung up with her as I sat and thought about the situation I realized that if she was no longer going to honor the settle amount then why did she debit my account the {$200.00} without my permission and did not follow the federal rules and regulations when processing the payment like she has in the past when I pay a payment as advising that my card was going to be charged that amount. I then called back at XXXX to speak to the manager, The manager I spoke to was XXXX XXXX XXXX XXXX he was very rude to me, also speaking over me. He advised me during that I was making acquisitions saying that XXXX XXXX did not follow proper guidelines with charging my card, and that he would have to listen to the call and would call me back the next day. I then told him that I know my rights and how they are handling me is against federal regulations and I was going to file a complaint at the state attorney general office, and he hung up on me. The next day Tuesday XXXX XXXX XXXX XXXX did not call me back, but XXXX XXXX called me back at XXXX and advised me that the settlement amount now was {$1100.00} minus the {$200.00} payment she took for a total of {$960.00}. I told her we agreed to an {$800.00} settlement amount, & that if she was not going to honor the settlement then why did she take the {$200.00} payment out my account on XX/XX/XXXX without proper authorization. She then proceeded to say that I could be refunded the {$200.00} payment and take my total account back to {$1400.00}. How I have been handled is unfair & unjust.
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| 04/05/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems is listed on my credit report as being a joint collection account, for an apartment complex with a balance of {$4400.00}. This is not my account, it is my mothers as she lived there, and we have very similar names my name is XXXX XXXX XXXX and hers is XXXX XXXX XXXX ( XXXX ). She used XXXX and XXXX as her last names separately and in combination of both at times because her professional degrees and certifications were listed in XXXX XXXX, so she kept that last name even after her and my dad divorced..
My mother is the only person who was on the actual lease as she lived there. However, she was being treated at XXXX XXXX for XXXX XXXX XXXX so her health was dwindling and I needed to be there with her so I could handle all the things she was beginning not to be able to do anymore. It was approximately during the last 2 months of her lease.. These included keys to apartment, keys to mailbox, maintenance requests, and so forth. In order for me to obtain these items, the staff at the apartment office said they needed to add me to the lease as being an occupant in order to authorize and grant permission as well as made a copy of drivers license.. Unfortunately, she unexpectedly passed away XX/XX/XXXX.
National Credit Systems ( NCS ) has placed this account on my credit reports as they claim I was on the lease, which is incorrect. Whether it was the apartment complex that confused the paperwork or whether it was NCS not having all of the documentation necessary to prove this account is being reported accurately. My most recent dispute was on XXXX with XXXX explaining that this account is not mine and I gave the same details as I have included in this complaint. Shortly thereafter, the dispute had been completed and XXXX stated that this account was verified as being accurate from NCS. On XXXX, I sent a debt validation letter to NCS, including providing me with any and all documents that were used in their investigation. This was completely ignored. I received nothing from NCS.
Today, XX/XX/XXXX, I called NCS to inquire about this account as I had not received any type of response to letter dated XXXX and it caused me to be denied to purchase my first home. I spoke with a XXXX XXXX, who refused to repeat her first name to me, and then proceeded to say : XXXX ) This debt wont be removed by disputing it XXXX ) Told me I was the one who needed to show proof to them that this account was not mine and to prove to them the inaccuracies in the account being reported.
XXXX ) Upon me mentioning the debt validation letter I sent to them on XXXX that was ignored, She stated that they are not required to send me all the documents and information they have in their file, regardless of whether or not I requested it.
XXXX ) XXXX XXXX continued to mix of my words into what she wanted attempting to catch me as she assumed and began to make personal derogatory comments about there being no way that my mom was able to pay all the bills on her own, without a job, and failing health. This was unprofessional, and she has no idea about my family and its financials to make such a bold statement.
XXXX XXXX proceeded to re-iterate this debt would not be removed by disputing, whatever she meant by that. This account needs to be removed from my credit file and release any liability that NCS alleges I have for this account. I have attached the Debt Validation letter I sent to NCS on XXXX that they blatantly ignored. Since this account was also illegally re-aged by NCS as they changed the date of last activity from XX/XX/XXXX to XX/XX/XXXX. I have attached a screenshot of that as well. Both of the listed dates for date of last activity that NCS claims to be accurate, are inaccurate. this needs to be handled asap as this account has been inaccurately reporting to my credit for far too long when it is not mine.
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| 10/22/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Original Lease agreement executed by XXXX XXXX and XXXX XXXX signed on XX/XX/XXXX with XXXX XXXX property management company for a house located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I, XXXX XXXX, purchased a surety bond for {$1000.00} in lieu of a security deposit with XXXX in my name only on XX/XX/XXXX. The bond value was {$5900.00} Prior to the lease renewal, I reached out to XXXX XXXX in repeated emails over the course of a least a month asking to be removed from the lease. All my emails were received and acknowledged.
On XX/XX/XXXX XXXX XXXX sent me a " Lease Amendment to Remove a Resident '' fully executed ( signed by XXXX XXXX as agent for the owner removing me from the lease as of XX/XX/XXXX and released from " further liability under the Rental Agreement ''.
On XX/XX/XXXX I inquired by email with XXXX whether the bond could be transferred. I was told that it not only could NOT be transferred, but they were not issuing any more bonds due to Covid. I told them I was moving out and provided them with the documentation specifically the amendment to the lease to remove a tenant among other emails documenting my moving and cancelling. I also made sure in several emails that the bond was cancelled and was not to be renewed. Their response in an email was " the bond purchased in your " my name '' will no longer be valid once you move out ''.
I then notified XXXX XXXX via emails that the bond was cancelled and that they no longer had a security deposit. In an email on XX/XX/XXXX to XXXX XXXX, I said that I had " a surety bond in my name that I am cancelling so please do whatever inspections/replacement of the surety bond that needs to be done '' I reiterated that I had moved out and thus the bond would not be valid per JXXXX email.
This email was acknowledged and replied to.
On XX/XX/XXXX, I was copied on an email from the property manager XXXX XXXX from XXXX XXXX to the owner of the home that I had formerly leased. I believe I was accidentally copied on the email. In that email, XXXX XXXX clearly says " the recent lease signed only includes XXXX XXXX as a resident and no pets ''.
I never received any notices from XXXX XXXX on anything about the house ( unpaid rent, damages or anything ) and never even thought about it until I received a notification from credit monitoring that there was a collection account added. Needless to say, I was shocked. XXXX XXXX clearly had all my contact info and never once reached out to me stating there was a problem.
I have been told by XXXX XXXX ( the remaining tenant ), with whom I have very limited contact, that there was a XXXX balance due for rent when he vacated. He said he received pandemic public rent assistance from XXXX County paying the rent in arrears in full. He sent me a screenshot but I don't know anything more than what he said.
XXXX XXXX collected on this bond erroneously and it has significantly and falsely affected my credit. I have been working on trying to resolve this for weeks now. I contacted the collection company who were rude and condescending and would not supply any documentation. I then contacted the surety bond company and they said it was not them, but the bond was paid out by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they said they needed to confirm my information with the leading company. I asked them for documentation about the claim on me and they have not provided it and have ignored my emails going forward. I have not heard back from anyone. I contacted XXXX XXXX, the property management company and they have acknowledged my emails and responded that it would be sent to the appropriate department... ..have not heard back from them.
I have disputed the collection with XXXX and XXXX and the results were that the claim against me was valid. I was not allowed to say more than a sentence in the dispute.
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| 10/06/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have been trying to work with National Credit Systems for months now in regard to a property debt with XXXX XXXX. The amount is {$4400.00}. I have specifically worked with XXXX, ( Main representative ) XXXX ( Supervisor ) and been forwarded to two of the " managers '' XXXX and XXXX.
Unfortunately, I have had a terrible experience working with National Credit Systems. I began working with them in late XXXX, early XXXX to resolve the alleged account with them. My first step to resolving this account was to ask them if I could settle. I asked if they could please ask the account holder if we could settle with that amount of {$1800.00}. XXXX immediately responded, " NO! '' " Our client would not take that amount, I know it. '' She refused to allow me to ask for the settlement. So, I asked for a copy of whatever evidence was provided to open this account. The shreds of evidence provided were a lease and a handwritten move-out inspection form with a bunch of random charges on it. There were many discrepancies on the form and I had opposing evidence to prove it was not correct.
During this time : XXXX would also tell me the documented evidence would be sent and it, in fact, wouldn't be. I would call in weekly to let them know I did not receive any documents from them. These weekly calls would be fruitless and XXXX would keep me on the phone for an estimated 45-1.3 hours. Both times requested, the " evidence '' was sent over a month later and both times, the same documents were sent. ( Lease and Move-out form ) I also asked who the account holder was so I could do my own research and hopefully, a resolution. National Credit Systems told me the XXXX account was under XXXX XXXX XXXX. I called XXXX XXXX XXXX and spoke with the regional account manager, XXXX. She assured me that the account was not active. And explained XXXX was removed as the property management company when XXXX XXXX purchased XXXX. She also let me know that XXXX assumed all of the debts against XXXX and paid all accounts.
I then contacted XXXX XXXX just in case they could help me resolve the account and spoke with the regional manager, XXXX. XXXX explained the XXXX XXXX was purchased and that XXXX had also purchased and closed all of XXXX 's previous debts. Everything prior to the XXXX 's purchase was done and gone. There is not even any record of previous tenants, she said. ( I left the unit in XXXX. XXXX purchased XXXX in XX/XX/XXXX ) I called to let National Credit Systems and informed them of what I have learned. I also asked that they please put the account in dispute because the account is paid and closed according to XXXX XXXX XXXX and the new XXXX owners, XXXX XXXX. After clueless debates over the information I just presented, XXXX and XXXX agreed they would put the account in dispute. But when I contacted the credit bureau to ensure it infact was, I was told the account was not in dispute.
My most recent attempts to communicate and come to a resolution with National Credit Systems have become even more cringe-worthy than before. When I told them that the credit bureaus said the account was not in dispute, XXXX became very heated. She told me they have to finish their investigation to see who owns the debt. She said that XXXX has not been responding to them but, they can't close it and remove it off my record until they find out who owns the debt. When probed how long the investigation could take, XXXX said " 2 months, 4 months, maybe 12 we don't know. '' I asked how they perform an investigation and she said she does not know. I have been trying to get this resolved for months now and I am unable to rent due to this property charge!
I want this account removed from my credit. It was a fraudulent charge with no evidence or proof from the beginning and the account has since been paid and closed.
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| 02/18/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am writing in dispute of the charge from XXXX XXXX XXXX XXXX in the amount of {$8100.00}.
As you can see from the attached documentation, myself, my daughter XXXX, and my ex-wife XXXX XXXX XXXX have all tried to resolve this situation with the leasing company since XX/XX/XXXX.
In XXXX, XXXX XXXX was told XXXX had to request a mutual termination in writing with the leasing company. A mutual termination was explained to be a means of terminating the lease by placing another renter in the apartment. A fee of {$200.00} was to be charged to have someone placed someone in the apartment. She was further informed that there was a waiting list of applicants and it would be no problem to fill the space ; therefore, we requested that they fill the space.
On XX/XX/XXXX XXXX sent the request for mutual termination via email as instructed. XXXX XXXX, the General Manager contacted XXXX regarding this request. XXXX was told she had to vacate the apartment by XX/XX/XXXX ( four days from when they spoke ) and pay the fee. On XX/XX/XXXX I moved all of XXXX belongings out and paid the final rent and mutual termination fee. See attached copy of check # XXXX in the amount of {$1000.00}. XXXX was not available when I made this payment and turned in the keys. I was given no paperwork or requested to sign any documentation.
At no time during any conversations with the leasing office staff were we told if they do not fill the apartment I would be liable for the remainder of the year. Nor did anyone contact us to let us know they had not found anyone to fill the apartment. On XX/XX/XXXX XXXX received an email stating her account had a past-due balance of {$8100.00} and payment was due in two weeks. We have made several attempts to resolve the situation with XXXX and the leasing company, but it is impossible to get her on the phone. She will not email information, will only request that she be contacted. Every time an attempt is made to contact her, she is not in and we have to leave a voicemail.
It is evident by the manner in which this is being handled that the leasing company has no intentions of honoring the mutual termination as previously discussed. Their lack of communication and misrepresentations of the truth are inexcusable. In XXXX email response dated XX/XX/XXXX at XXXX she states, Primary resident will need to submit a fee of {$200.00} for the process of finding a new person to sign for the remainder of her XXXX housing agreement. That fee was paid with XXXX final rent payment on XX/XX/XXXX! As further proof of their unethical business practices, the final invoice is filled with erroneous charges and inaccuracies. It is stated that the notice given date is XX/XX/XXXX, which we have email proof that XXXX requested this on XX/XX/XXXX. By dating it on XX/XX/XXXX, they have charged a {$50.00} late fee for XXXX, when she moved out on the XXXX. in addition, they are charging for cleaning and painting fees, which are included in contract when a tenant moves out. It is clear this company is taking advantage of inexperienced college students who may not know to question such charges and unethical business practices.
I also called the XXXX XXXX XXXX on XX/XX/XXXX to inquire if there was any availability and they stated they were fully booked and no vacancy. They said I could provide my name for a waiting list incase someone terminates their lease they would contact me for the opening.
This collection account is now causing further hardship to my family as it has delayed the refinancing of my home. I am asking that you remove this account from my credit report until a full investigation of this company and its practices can be completed.
Please contact me if you need any additional documentation or information.
Thanking you in advance for your assistance in this matter.
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| 07/21/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Fact of the case : I am the tenant and there was lease agreement between me and XXXX XXXX XXXX ( XXXX ) which says that i have to stay in rent for 1years. I stay and live in XXXX XXXX XXXX with monthly rent of {$900.00}. Every month i was paying the rent. This way the lease was for 12 months commencing on XX/XX/XXXX and ending on XX/XX/XXXX. But also there was provision on lease to terminate or buyout early. For that there was 3 requirements to meet. They were as follows : 1. ) Tenant shall provide Landlord 60 days advance written notice 2. ) Tenant shall pay all monies due under this lease through date of termination and 3. ) Tenant shall pay additional amount equal to {$1500.00} as liquidated damages If any tenant complete these 3 requirements he/she can terminate lease.
Issue of case : Excessive amount or charge was asked from tenant to be paid in the name of XXXX XXXX XXXX in the name of Lease Buyout. Total amount debt in my name is {$3400.00} which is unreasonable and very excessive. I will prove this with all evidences. Please also do check attachment because all supporting proof for my statement you can find in attachment.
Me ( Tenant ) stayed in that apartment from XXXX to XXXX for 7 months. I cleared all my 7 months rent fee month to month. I even gave 60 days advance written notice to Manager of XXXX XXXX about my intent to vacate room on XXXX XXXX and i also clearly said manager that i am going to buyout lease early because i had to move to another state.
XXXX . XXXX Deposit I gave : {$290.00} Rent paid and cleared : up to XX/XX/XXXX Last date stayed : XX/XX/XXXX Door key handover : on XX/XX/XXXX Room leave notice given : before 60 days from leaving date ( on XX/XX/XXXX ) on date : XX/XX/XXXX I received a letter from XXXX Apartments. The letter says that i have amount due to be paid to XXXX XXXX ( XXXX XXXX ).
1. Carpet replacement charge = {$1300.00} 2. Drip Pans = {$16.00} 3. In Lieu of acceleration fee = {$2200.00} My security deposit they took was {$290.00} Total Charge in my name was {$3400.00} Bill amount for what I had strong objection : 1. Carpet replacement fee : {$1300.00} ( Are you kidding??? All carpets of inside rooms are neat and clean as you gave to me. I could accept carpet may be dirty in some place in living room. But I workout my best cleaning it by vacuum. So for what you are charging me for {$1300.00}. Is it reasonable and market value price charge for replacing carpet?? You dont had to replace whole carpet. It just may in worse case in living room?? And most noteable thing is you cant rampantly charge whatever you want just for replacing carpet?? You can charge up to amount not exceeding renters deposit! Thats the notion and law of lease agreement.
2. In Lieu of Acceleration Fee : {$2200.00}?? This charge in my name is another mockery against me?? For what is this charge for as I had proof attached with this email that I pre-informed and gave written notice to the manager of XXXX XXXX before 2 months stating my intent to vacate room with reason. As long as I gave you enough time space that you can put your apartments in let-to, how could you again can charge me {$2200.00} in name of acceleration fee? I am ready to give {$1500.00} as liquidated damage because i terminated lease before 12 months. It may be reasonable if they had asked me to pay {$1500.00} in lieu of Acceleration fee instead of {$2200.00}.
Now what can I pay you is I am ok to pay you only those headings bill. They are : - 1. Sewer/water charge and 2. Drip Pans charge 3. In Lieu of Acceleration Fee up to {$1500.00} Carpet replacement charge can be fulfilled from my deposit money. I had no problem for that.
More than that, I am not willing to pay a penny.
Thats all I have to say, thankyou!
Sincerely, XXXX XXXX XXXX XXXX
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| 11/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Around XX/XX/XXXX through XX/XX/XXXX a CS Rep from NCS contacted me, I believe by the name of XXXX, regarding collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX, is the company that I had previously reported to FTC for Identity Theft. I let the rep know that I did not owe a debt to this company because they were claiming to be a Property Management Co. and according to GA law, once a judge has issued a writ of possession in court there are no more recoverable damages that XXXX XXXX could obtain unless they sue me in small claims court or the Magistrate Court, if the claim is less than {$15000.00}. After case # XXXX, was dismissed and closed. XXXX XXXX opened up another case, once they discovered I had moved out of the property and I was never served for, Case # XXXX because I moved to another state. Therefore, I never went to court regarding this case. Also, XXXX XXXX took the liberty of reopening case # XXXX a year later in XX/XX/XXXX to withdraw the paid judgment that they had added to Public Records on my XXXX credit report, which was the reason why I reported them for identity theft. Thanks to CFPB, that judgment was recently removed from my XXXX Credit report. Now they are going after my XXXX Credit report and a year later of stating that I owe {$14.00}, XXXX. I left that property in XX/XX/XXXX owing nothing due to me filing Bankruptcy lawsuits against this company. I also informed the NCS rep, of never receiving my deposit from XXXX XXXX. I did not receive a valid reason for the company to keep my deposit because the company never performed a walk through. The move-in inspection requirement applies to landlords who owns more than XXXX rental units, including units owned by their spouse and/or children, or who employ a management agent regardless of the number of units owned. XXXX XXXX took XXXX properties via warranty deeds.Therefore, XXXX XXXX can not collect for damages without this move in/check out list that was never provided. That is why XXXX court exist.
Well, the NCS rep simply did not care about my concerns and she simply hung up on me. Before, she hung up on me, I even requested that she mail me documentation to verify the validity of this debt and I never received it. I even stated to her that all of my mail is transferred to me, for security reasons, yet I never received anything from NCS.I pulled my credit report with XXXX on XX/XX/XXXX, and noticed NCS had put that horrendous collection on my credit report. Not only did XXXX XXXX list that unlawful and illegal debt., they also committed fraud again by having their business address show on my credit report as a verified address. ( XXXX XXXX XXXX, TN ) This could only apply if I applied for credit with their address. They even enlisted the services of XXXX Credit Bureau to ensure that my renter history is also tainted, to prevent me from obtaining a liveable rental residence for my family. I was shopping for an auto loan in XX/XX/XXXX, due to my XXXX XXXX not starting. I was denied an auto loan due to their negligence. because ironically XXXX XXXX and NCS had just inputted this XXXX debt on my XXXX credit report in XX/XX/XXXX.
I am at the mercy of the C.F.P.B. to please stop NCS and XXXX XXXX from continuing to report this debt on my credit report. I left that property in XXXX/XXXX/XXXX and eviction was settled XXXX. I am requesting that XXXX also remove their debt and honor my identity theft report that was sent to them and the security freeze to contact me regarding any new inquiries of creditors trying to obtain credit without my expressed authorization. They are suppose to have my updated telephone number on their report and it is not on there. I also want XXXX to remove that fraud XXXX report and to remove Bankruptcy Filings Docket # XXXX # XXXX.
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| 04/12/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX RE : Collection account : XXXX {$230.00} To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that couldA be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Remove this account from my credit report, do not call me on the phone, only contact me by mail or via CFPB portal.
Best Regards, XXXX XXXX
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| 06/26/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have been moved from XXXX XXXX for 7 months now. Lease ended XXXX of XXXX. In XXXX I had already moved on to new apartments and never heard anything back about a deposit or anything. I contacted the assistant manager of the complex and asked about my deposit and I was assured that I would receive something back in 45 days and never heard anything back so I let it go although Florida law states the consumer has 60 days to get their deposit back or at least notification of why they are not. All bills were paid before moving out and a cashier 's check was given to cover the last month 's rent since it showing the wrong amount in the payment portal. So there should have been a balance of XXXX. 6 months later, at the end of XXXX around the XXXX, this year I get a notification from XXXX XXXX that I have been put into collections through National Credit Systems by XXXX XXXX for XXXX dollars. Never received any notice of any payments owed or anything about me about to be put in collections by this agency also. My credit took a 79 point drop and I have never had any derogatory marks or problems in the past or problems fulfilling payments. I filed disputes with both XXXX and XXXX and they claim the dispute was closed because this National Credit System company proved that I was me ( Which was never an issue ) and that they supposedly proved they sent me something ( Never received any mail from them or phone calls ) ; so I assume they typed up documentation and sent it to the credit bureaus with false information that never made it's way to me. I have evidence of them lying about a date which I will attach later and have edited out address to cover personal info as prompted in case this is posted. After getting this result I spoke with an XXXX representative who then suggested me to contact the company which I didn't understand why because this company is trying to get money from people so of course they would not work with me. I tried to contact them on XX/XX/XXXX but they were closed so I called on XX/XX/XXXX and left a message and then received a call back from a manager who then transferred me to a representative ( XXXX XXXX ). I explained the situation about how I never even received notification of this supposed debt from the apartments or the collection agency and I do not agree with these charges or collection. She spoke with attitude and said that they sent me something in the mail and called me. She then read me my address and phone number and I was able to confirm that information was correct so there should have been no problems with me receiving it if they sent it. She then proceeded to tell me that I could just take them to court to solve it or basically pay the balance. She also asked me if I wanted to be sent the notice in the mail and I told her she could send it if she wanted to but it still was never sent to me prior nor was I notified by phone and I said that my XXXX XXXX calls and records can be pulled if needed to prove they never called me. ( If they called me like they are claiming they could have even left a voicemail to prove ) Yesterday on XX/XX/XXXX the same day all of this conversation happened I receive the expedited letter in the mail. It is evident that this was sent to cover the collection company 's behind because the date on the letter was changed to XX/XX/XXXX which I don't understand why that date would matter as it has no significance to the issue and still does not meet the 60 day mark addressed in the Florida law. i have been wrongfully put into collections and was not even given the opportunity to know beforehand or dispute with the company and then when I tried to address the issue with the company I get met with disrespect, deception, and attitude.
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| 06/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Older American |
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For several years I have been trying to resolve a collection account with National Credit Systems. The collection account was originated by XXXX in XXXX, NC. Please see the attached copy of emails which describes the problems encountered.
Due to the problems encountered at the XXXX with an infestation of XXXX, the Complainants were offered an early cancellation of the lease by the apartment manager onsite at the time without any fees or penalty. The Complainants accepted the offer and proceeded to move from the apartment. Apparently, later senior management decided to renege on the manager 's offer, and after the Complainant left the apartment they sent the Complainant a bill for the early cancellation of the lease.
National Credit System, the debt collector, was allegedly contracted to collect the account. The Complainants had sent several letters to the debt collector explaining the situation, but the debt collector ignored the letters and continued to try to collect the alleged debt without verifying the Complainant 's information. The debt collector has not excised adequate due diligence to determine the validity of the account they are trying to collect despite request to so by the Complainants. The Consumer Financial Protection Board has stated in court case that the FDCPA " grants consumers a legal right to truthful information in their dealings with debt collectors, '' the CFPB said, citing the Supreme Court 's XXXX ruling in XXXX ( XXXX XXXX XXXX ).
The debt collector in the Complainants case is in violation of the FDCPA as indicated by the CFPB due failure to provide the Complainants with truthful information. Furthermore, the alleged debt is prescribed by the North Carolina statute of limitations which states that a contract, obligation or liability arising out of a contract, express or implied, '' is three years in accordance with N.C. Gen. Stat. XXXX ( XXXX ). XXXX ( XXXX XXXX XXXX. XXXX XXXX, XXXX ). In addition, the debt collector is listed as an inactive debtor collector by the North Carolina Department of Insurance. As such the debt collector is trying to collect an alleged debt without a valid license as required by the State of North Carolina and in violation of N.C. Gen. Stat. XXXX which constitutes a felony. See citation below.
The debt collector has engaged in unfair and deceptive acts, in violation of Regulation AA, by trying to collect a prescribed alleged debt and by providing a negative credit history to the credit bureaus to force the Complainants pay for debt that is not owed and a tool to collect a prescribed debt. This practice is also in violation of Fair Credit Reporting Act which prohibits creditors from providing false and inaccurate information to a credit bureau. The debtor failure to conduct adequate due diligence to determine the accuracy of the debt they are trying to collect after gaining knowledge of the disagreement with Apartment management and continuing to try to collect resulted in violation of the FCRA. The debt collector ignored the Complainants rights under the Fair Credit Reporting Act, and purposely ignored the information provided by the Complainants with the willful intention of inflicting financial damage to the Complainants.
The Complainants in good faith recently offered to pay an amount of up to {$200.00} for the nuisance value of the debt 's collector action, but without accepting the alleged debt, however, the debt collector did not respond to the offer. However, the offer was made before the Complainants became aware of the debt 's collectors illegal practices, unfair and deceptive acts and practices, violations of the FDCPA, and North Carolina debt collection laws and criminal violations. Continued on attachment
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| 05/11/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems XXXX XXXX XXXX XXXX, Georgia XXXX RE : Account # XXXX/Balance : {$220.00} /Original Creditor : XXXX XXXX XXXX To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my firms managing attorney for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Co
mmission for debt collector if collection efforts are successful. Please provide the name and address of the bonding agent for National Credit Systems in case legal action becomes necessary. Your claim can not and WILL NOT be cons
idered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
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| 07/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have documents that prove without a doubt that the collection account placed on my credit report was done in error.I have been trying to get this negative collection account removed from my credit report for awhile now .I asked XXXX XXXX to help me since the collection company will not do anything they are just rude and hang up on me .I have sent them documentation proving that this debt is not mine, but they continue to keep it on my credit.XXXX did remove the file upon receiving the documents sent from me showing that this is clearly not my debt.XXXX and XXXX have not.I really do not understand how this is such a difficult process. The consumer clearly has no rights and the credit bureau does not seem to be in favor of the consumer that is being affected by wrong information even when they have the proof in front of them.I have had to spend money to hire someone to try and help me get this false information off my credit.What can I do I guess I will have to sue someone if something is not done. This is effecting my credit, getting a job in the profession I want to be in, and in trying to buy a house.I have asked for proof from the credit collection agency and they have not provided me with any proof other than a computer worksheet that does not even have the correct information on it.I on the other hand have plenty of proof.
( 1 ) The address on my credit report as of XXXX/XXXX/XXXX is the correct address where I was living.The collection company says I was living somewhere else XXXX this is the month I 'm being charged rent for on my credit.
( 2 ). I have a lease also that started XXXX/XXXX/XXXX that shows I was clearly not at the address on XXXX/XXXX/XXXX which is the month Im being charged.
( 3 ) I also have an email from the corporate office acknowledging that I would be out XX/XX/XXXX, also that the apt I was in had a mold problem, and I would not be charged for any damages due to the mold. I have pictures of the mold in the apt and the leak that caused the ceiling to cave in the bathroom. When I asked the collection company for the pictures of what they were charging me for damages they have never provided them to me, ( 4 ) I also have a letter from a person that was a resident at this community that helped me move out XX/XX/XXXX and he verifies this in the letter. The power was also turned off by the community in XX/XX/XXXX also they took the meter.
They also did not even turn my file into the credit bureau until two years later. I received the notice from them in XXXX XXXX. I responded immediately and told them I was disputing this and they had made a mistake.They said that they had a ; ready turned the file in to the credit bureau two months before they sent me the letter.
They did n't even giving me a chance to respond to the letter.I asked them why did they bother to send me the letter if they had already sent it to the credit bureau.
They said its just a standard letter they send out.
I told them the letter is deceiving because it says if they are notified in so many days that they would not turn the file over to the credit bureau.I had responded in the time they had allotted in the letter and the only thing they could say was OH Well!
If this was a legitimate debt why did it take two years to notify me and for them to report it to my credit.The normal protocol is suppose to happen as follows.Tenant moves out owes money they are send a statement of what is owed or not .If the tenant does not respond after 30 days a letter then goes out to let them know its going to collections and they have x amount of days to respond then it is turned over to collections. Not 2 years later decide that they want to pick a file and turn it over to collections.
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| 04/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I lived in a Trailer through a company called XXXX XXXX XXXX in XXXX FL in 2018. ( XXXX XXXX ) The first month was free and rent was {$500.00} per month I was XXXX with XXXX children desperate to move so we did.
Unfortunately this was the wrong decision and has cost me from being able to rent a home for the past few years.
one day at the trailer because we hadn't been there in first two week because my fianc mom has XXXX XXXX so we stayed with her the first week/2.
I was cooking dinner for the first time using the entire stove. I had the top stove on using all the burners and the oven to bake the bread we had for dinner.
The stove began to smoke profusely and my children happened to notice it. I didn't think much of it because I was standing in the front of it and it didn't look as bad from my angle.
My fiance then said that I needed to turn it off because it was starting to smoke up the house.
I had no idea that once I flipped the breaker box that the stove would continue to smoke the house out. Because it was on fire. YES on fire from the inside out. You may wonder how on earth do you use the oven and not know that it was on fire.. well I'll tell you how. I called 911 and the fire department had to be rushed out to come and see what the problem was. And to our surprise there was boxers, socks, paper, cardboard and alot of other thing stuffed in the back of the stove. Someone literally removed the back of the stove and put those items in there and put that back of the stove back on. So while I thought I was preparing dinner for my family the entire house was about to burn down. Now I was released from the lease after I reached out to management. I have the copy of paper we signed I also have video proof of all of my said allegations I'm not sure what I am being punished for but my family deserves to live happily and this isn't fair that I've been dealing with this for over 4 years. It's time to close this chapter I have tried to reach out the the collection agency who actually isn't legally suppose to have my debt as they are not licensed in the state of Florida. I also have turned on these allegations and this was removed from two bureaus. But it is still reporting on one. The even bigger issue is XXXX XXXX XXXX ( receptionist XXXX clarified for me that I don't owe them any balance for the address. I also want that address removed from my credit report as I did not reside there for a full 30days the lease was broken after 3 weeks. I have been washing money on applications because I can't move anywhere with this balance on my credit and me and my family could have died I tried reaching out to XXXX who is the person XXXX said would be able to handle things for me but she has been unresponsive and has not responded to any of my messages. This isn't not being handle with any kind os care I have been in direct contact with XXXX over this issue I have spoke to numerous people alike XXXX and the boss and nothing was done. No call back I was told they were looking in the storage to verify months ago. I had to reach out to them to find out what I found out after XX/XX/XXXX which I was advised at a rental company I wanted to rent from. I have so much to say but I'll let the photos and videos do the talking I am so glad I kept up with my documentation because this is insane I wish I could SUE. This house had so much mold, rat droppings old tampon sticks behind the stove. Rats had ate through the wall just a MESS.
Oh yeah I forgot to mention the day we moved out I found out that the window was never connected to the wall of the house I attached a photo.
It won't allow me to attach the videos I have I will call to get a email to send them all too
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| 09/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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To XXXX I am writing this message in regards to a letter i received a few weeks back. I wish to have a description of the procedure used to codetermine that the information your sent to me was valid. Looking at a computer screen does not make it valid that is a violation of my rights as a consumer. You have violated several things within the FCRA, FACTA and you have violated the procedure to factually through the dispute process by allowing a computer to dictate if an account is verified that is fraudulent. You've made a serious mistake by placing an account that doesn't belong to me on my consumer report. I received an alert as to the account being fraudulent due to several breaches. I have mention this time and time again that i am unaware of the debt with National Credit Systems. Also i have inquiries that i didn't authorized or never gave any consent to credit bureaus nor creditors. It can not be factual evidence when i didn't give anyone authority to view or touch my credit file without my authorization. What procedure was taken to insure that this inquiry belongs to me? Did a computer verification pre determine that as well? Now this a major problem and violations and you could be sent to jail for this by law. I've asked for original documents of the contract, and the procedure used to verify the accounts listed. I never received any actual original documents there for you must remove this accounts immediately. I will not fall victim by being a fool to the credit bureaus. An account can't be verified by a computer. It is impossible. I want to see original actual contract documents with my wet signature with that i owe a debt. I have been harassed by your company and creditors for something i have no clue about. I will be filing a lawsuit upon your reply and actions you take this get this matter resolved. I am a consumer that is aware of my rights and i have the right to dispute any accounts that are not mine. I didn't give anyone and rights to to add any account or view my credit report without my consent. That is breaking the law and i want compensation of {$1000.00} for each error that is listed on my credit report. I've sent in several certified letters dating back to a year ago. I am now dealing with a lawyer that realized the errors and mistakes that you've caused to my consumer report. I am requesting a listing of the names, addresses and telephone numbers of the people they contacted at your bank. I am also aware of XXXX v. XXXX XXXX XXXX., No. XXXX ( XXXX. XX/XX/1995 ). request that you respond to my letter in 14 days max within the time period i will following up on my credit file to ensure this matter is resolved within that time frame. If i'm not contacted in 14 days i will contact the FTC and my state attorney generals office located at Office of Attorney General State of Florida The XXXX XXXX XXXX, FL XXXX. I will also file a petition in small claims court for items such as Defamation, Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Fraud. I have copies of all the papers work I've sent in to be of certified mail, recordings over the phone for the past year on disputes. Emails and more. I am well equipped and ready for litigations beware that i am now turning this over to my lawyer. A letter will be sent from XXXX XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. She will definitely be in touch with you.Internal dispute given only 3 business days to remove the fraudulent inaccuracies on the accounts and inquires listed here and above.
XXXX : 1. XXXX XXXX 2. XXXX 3. XXXX XXXX 4. XXXX XXXX 5. XXXX XXXX 6. XXXX XXXX 7. XXXX XXXX XXXX : 1. XXXX XXXX 2. XXXX XXXX 3. XXXX XXXX XXXX 4. XXXX XXXX
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| 08/28/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I NAME the federally and state protected consumer pursuant to 15 U.S. Code 1692a ( 3 ) The term consumer means any natural person obligated or allegedly obligated to pay any debt. In Fact Pursuant 18 U.S. Code 8 I the natural person I am not obligated by federal law to pay a debt. NATIONAL CREDIT SYSTEM are in violation of my consumer rights pursuant to 15 U.S. Code Fair Debt Collection Practices Act ( FDCPA ), The Gramm-Leach-Bliley Act ( GLBA ),. Fact NATIONAL CREDIT SYSTEM has violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692b Acquisition of location information by acquiring my place of abode and not contacting me the consumer before. Fact NATIONAL CREDIT SYSTEM Violated Fair Debt Collection Practices Act ( FDCPA ) 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. Fact NATIONAL CREDIT SYSTEM Fact Violated Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.Code 1692d ( 1 ) Harassment or abuse ; The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. ( 4 ) The advertisement for sale of any debt to coerce payment of the debt. Fact NATIONAL CREDIT SYSTEM are in violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 1692e False or misleading representations ( 4 ) The representation or implication that nonpayment of any debt will result in the arrest or imprisonment of any person or the seizure, garnishment, attachment, or sale of any property or wages of any person unless such action is lawful and the debt collector or creditor intends to take such action. ( 8 ) Communicating or threatening to communicate to any person credit information which is known or which should be known to be false, including the failure to communicate that a disputed debt is disputed. ( 11 ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector, except that this paragraph shall not apply to a formal pleading made in connection with a legal action. Fact NATIONAL CREDIT SYSTEM In violation of Fair Debt Collection Practices Act ( FDCPA ) 15 U.S. Code 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. ( b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section Fair Debt Collection Practices Act ( FDCPA ) 1692k of this title for failure to comply with a provision of this subchapter. Fact NATIONAL CREDIT SYSTEM are liable for {$1000.00} per Violation that has been violated in this Act Pursuant to Fair Debt Collection Practices Act ( FDCPA ) 1692k ( a ) ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00}.
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| 01/20/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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In XXXX 2020 I pulled my credit report and noticed that a collection account was listed as National Credit Systems. The account listed XXXX XXXX as the original creditor. I contacted XXXX XXXX in regard to the account and the office manager says they no longer have my information because it had been transferred over to National Credit Systems. I reached out to National Credit Systems and they located the account. I asked for information concerning the debt to be sent to me via mail. I never received anything from them at all! The gentleman I spoke with was Mr. XXXX. He asked me to get on a payment plan and I told him that I needed to see the documents first. He said they could offer me a payment plan at {$100.00} per month. I told him that was impossible because I couldnt afford it. He told me the documents would be mailed out that week. That was close to one year ago and I still havent received anything from them.
I reached out to them again about 2 weeks later to find out what happened with the paperwork. I was told the documents would be sent out that week. I was told I could set up a payment plan to avoid further legal action. I was afraid I would be sued, and I have a XXXX and cant afford any type of legal defense, garnishment etc. so out of fear I made an initial payment of {$75.00}. I told them that was all I could afford and honestly I still wasnt sure if I was supposed to pay them. I just wanted to get everything straightened out. Mr. XXXX did ask what I could afford to pay and I told them I cant get on a plan but I could try to pay something when I had extra money. I asked if they had a website and I was told I would have to call and give my card information over the phone each month. I also called back and made an additional {$50.00} payment the following month.
I called another month later to make payment even though I still hadnt received anything from them confirming/validating the debt. I asked to speak with Mr. XXXX and I was told that National Credit Systems no longer handled my debt and that I would need to contact Attorney XXXX XXXX. I immediately called them. I requested information concerning the debt and up to this point I have never received anything from them. I requested this information and even disputed with the credit bureaus. The lady I was transferred to at XXXX XXXX says she is handling my case and I would have to deal with her. She told me that I need to get on the {$100.00} per month payment plan to avoid legal action and garnishment. I told her I couldnt afford it and that I only had a few dollars to spare. I did tell her that I would pay what I could when I had extra money as long as they could prove the debt was mine. I never received anything from them even after I mailed in a few payments. I thought they were waiting on me to make a payment before they sent out paper work. She told me they didnt have a website that would allow me to make payments online and that was lie. I was mailing payments in at the post office when I could have gotten online.
She also says that I needed to make the payments to Attorney XXXX XXXX and not to National Credit Systems which is listed on my report. I asked why I needed to send payments to him if hes not the company listed on my report. I never received a clear answer I just did what I was told to avoid garnishment or being sued. Please help me! I want this off of my report. I started searching for answers and I see so many complaints on the XXXX website that this attorneys office is doing this same thing to others. It seems as if they are using National Credit Systems name to collect money for the attorneys office. Im not sure if im being scammed or not. Please help.
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| 10/06/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The " right to collect this debt '' has been transferred to multiple attorneys throughout the past few years. The original collection attempts came from The XXXX XXXX XXXX XXXX XXXX who threatened me. They possessed original " the right to collect the debt ''. I fought them vigorously and disputed the debt demanding from them proof of the debt. The information the first attorney presented to me as proof of the debt contradicted the itself and proved my point that the debt is 100 % false. I was given DIFFERENT paperwork than what was originally submitted, and the documentation the attorney supplied as proof was missing very crucial " Lease End '' dates that the original paperwork contained. When The XXXX XXXX XXXX XXXX could not verify the debt, the debt was " recalled '' ( according to the response of the attorney XXXX XXXX XXXX and the " right to collect the debt '' was then sold to the National Credit System Inc. This absurd game of playing " hot potato '' with a debt that can't be verified is ridiculous and it needs to be addressed. When one collection agency fails in their efforts to collect on a debt, the " right to collect the debt '' is then " transferred '' to another collection agency and the collection harassment then continues anew with the now new collection agency aggressively pursuing a false debt that, if looked at closely, will show itself to be false. PLEASE LOOK AT THE DOCUMENTS I HAVE INCLUDED THUS FAR! The crucial " Lease End '' dates are missing from the documents supplied by XXXX XXXX XXXX XXXX XXXXThey also provided INCOMPLETE documentation as proof. Also conveniently missing from the " proof '' is my " Intent to Vacate '' document I submitted to the XXXX XXXX management on XX/XX/2016. My " Notice to Vacate '' submission, in conjunction with the missing " Lease End '' dates the original documents contain ( with original signatures ) contrast with the documents supplied from the attorney. Once this was pointed out to the attorney, the attorney transferred the debt back to the original creditor, who then AGAIN transferred the rights to the debt to the National Credit Systems Inc. The National Credit System Inc. has since continued to report the collection debt to the credit bureaus despite the debt being completely false. The National Credit System Inc. is pursuing a false debt that was " verified '' by attorney XXXX XXXX with incomplete documentation. I attempted to contact the original creditor and ask them why the amount of the debt was in existence. The XXXX XXXX XXXX, which manages The XXXX XXXX in XXXX, refused to provide me with any information, instead stating that I needed to contact the National Credit Systems Inc. The National Credit System can only provide the same " proof of debt '' that has already been submitted. And I can prove that this collection debt is 100 % false with this same documentation! The lease renewal documentation provided proves that I was in a month to month lease. To move out I only needed to submit a " notice to vacate '' at least 20 days prior to moving. We provided a full 30 days advance notice. So the lease renewal documentation itself and my " notice to vacate '' notice submitted well within the required time frame prove that the debt can not be legally justified and is therefore invalid. The lease proves we couldn't have broken a lease, because I chose the " month to month '' as my lease option after completing my lease on XX/XX/2016. All of the bogus charges are false and the false debt needs to be removed from my credit profile.
PLEASE NOTE : The documentation I have provided are for reference purposes and to show that the documentation provided is very incomplete and false.
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| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
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Please excuse the writing I was n't an English major in college. In XXXX XXXX I and a college buddy of mine moved in an apartment complex called XXXX. It was located in the XXXX area of XXXX and was a great area with a diverse community. The only complaints that I had were the high turnover rate with employees and managers. Work orders never were completed on time or forgot about. Within a year I watched management change twice. Now I understand that there may be problems with a resident or XXXX and management, but it seemed like the number of issues kept piling on with more and more residents commenting and complaining. There were break-ins in apartments, cars etc. There were things that I was promised but were never fulfilled by employees and or management and were always followed with " oh well he/she does n't work here anymore, how could I assist you ''? Having had experience in the service industry I understand that whenever there 's a company or an entity that has a high turnover rate of employees then it would be fair to say that the company does n't have things together. After our 1 year lease was up we decided to move out. Around this time of course they had a change in management. We were told to give a notice if we were staying or going. We explained that we were graduating were not interested in signing another year 's lease. We moved out after our lease date was expired XX/XX/XXXX. Being that graduation was on XXXX XXXX, XXXX we stayed with friends until graduation and after that would depart for our hometown.. The problem occurred maybe 6 to 12 months after leaving the XXXX at XXXX. I applied and was invited to interview with XXXX XXXX XXXX and XXXX in XXXX, Georgia. All went well and I even was invited to the 3rd and last interview for these companies. The 3rd interview usually consists of more in depth background and credit checks. Understanding the process I pulled my credit report just to find that " XXXX '' was listed on my report that had a little over {$2500.00} amount on my report. I 'm not going to say that I was n't offered either position because of this incident but I think it may have played some type of roll in the selection process. I immediately researched the company 's information and called to see why this amount was on my report was. I kept getting sent to different people who did n't return my phone calls. After about 3 weeks I talk to a secretary that explained to me that it 's no longer their problem anymore because they sold the business sometime XX/XX/XXXX to " XXXX ''. So now I 'm confused, exhausted and livid. I remembered the last manager I spoke to that worked at " XXXX '' name was XXXX. I called the apartments and received the " she no longer works here response ''. I asked if I could receive a copy of my lease to prove that I should n't have these collection remarks on my credit report and was told that they would have to wait until the manager gets back. I left my contact information and never received a call back. I tried calling the apartment complex for weeks on in and could n't get anyone that could assist me properly. I finally got in touch with a manager and was told that they did n't have the old leases and that because the company was sold that he had no idea where these documents would be located. I took some time off trying to settle my situation because I was livid and when you 're livid you do n't think straight. Years has gone by now and trying to get my issue resolved has been even more of a hassle because the company has sold " 3 more times '' since when I lived there. I get calls from collectors now for something that I ca n't even get information for.. I called " National Credi
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| 11/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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National credit system is reporting incorrect information on my credit National credit system is showing a open account status on a collection account delete this incorrect information immediately To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the XXXX major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards
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| 01/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Previous dispute : XXXX This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. By law this info requested is to be sent within 5 days notice is received via certified mail.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the XXXX major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in continuing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character.
My attorney and your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state and/or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, my attorneys and I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my managing attorney to continue in filing suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fails to respond to this validation request within 5 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX XXXX XXXX, XXXX in case legal action becomes necessary. The claim ( in accordance to FDCPA and FCRA laws ) can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information. The law in regards to this matter are not negotiable. I am invoking my consumer rights. Any attempt to circumvent the request made herein is a violation of my consumer rights. Law states if the request can not be completed, it must be removed immediately. My attorneys and I await your timely response.
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| 10/26/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Request for VALIDATION, NOT Verification XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX, RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 08/07/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX National Credit Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX : Account # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately.
I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX
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| 08/23/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Back in XXXX an ex-co worker texted me and ask if I was still looking for a house. I told her yes, so she said due to her divorce she was moved into an apartment, and leasing her house, but the property management company could not get a qualified person. Stated her friend a leasing agent she paid her XXXX to run the credit report see if it was okay and then would pass to the property management company because a lot of her friends losing money and not getting approved, so she brought me the application to fill I and I did and she called back about 3 days later said I owed an apartment complex from 7 years ago. I then advised okay no problem the 2 weeks after that she ask me by text again if I would co sign for her a XXXX XXXX XXXX and I told her no. Well 3 weeks later I got over 12 inquiries on my credit then 2 weeks a letter from XXXX XXXX welcome to the family on my new car purchase when I contact them they told me it was the same make model car she ask me to cosign I started texting her she never admitted it i then went to the dealership XXXX XXXX they would not talk to me so i filed a police report for Identity Theft. On XXXX/XXXX/XXXX she was arrested driving the car because XXXX XXXX reported it stolen and XXXX XXXX after i sent the Fraud package to them with text messages from her name is XXXX XXXX they removed the car from my credit. She was also arrested on XXXX/XXXX/XXXX for other charges a day before the apartments said her and her daughter moved in and was force to leave the property and also told me she did not show up for court, but they never notified me of any of this just sent me a bill after the eviction. After i Filed the police report i got an eviction bill from XXXX XXXX XXXX. I told them same thing never been to their apartments, never gave her permission to get an apartment in my name. They sent to collection agency National Credit Systems I asked the apartment manger for their corporate office address and phone number told me they did not have one. They never sent me a letter about someone living in the apartment under my name, never got a letter of eviction, never got letter to appear in court if i had i would have showed up in court. I got a bill for eviction fees. {$5000.00}. I sent the fraud package with the text messages between me and XXXX XXXX were she stated she used my information without my knowledge when i texted her ask why was i getting a bill for eviction from an apartment XXXX XXXX she corrected me on the name of the apartments XXXX XXXX and said i should not have received a bill from them because she paid XXXX to the justice of the peace so it would not show up on my credit. I sent national credit systems all the text messages the police report she used my ID to get this car without my permission the mug shots over 60 pages i sent them and they put it on my credit then sent me letter saying the apartments verified it is my debt based off what the manager and assistant manager stated which i think all 3 of them was working together for money, commission and to extort money from me. I am now fighting XXXX XXXX and i do n't have the time to continue to fight these apartments or this credit agency i did my part, and because they was hired to collect on a debt that is not my debt but debt occurred from my identity being stolen. Again the car has been picked up she was arrested and the car has come off my credit, but the credit bureaus wo n't remove the inquires with the same information i have submitted. Please assist me because i have worked extremely hard to fix my credit and when i start to get a step ahead doing this now this problem has pushed me back 3 steps
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| 03/02/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I had an account with National Credit Systems for {$4200.00} placed on my credit in XX/XX/XXXX, I was unable to pay them within a specific time-frame, so they sent my account to XXXX XXXX XXXX for further collection. I contacted the Attorney 's office in early XXXX XXXX. On my first call to the office I made payment arrangements of {$100.00} to start getting the account settled. I paid {$100.00} every week beginning XX/XX/XXXX. After 4 weeks of payments the balance had went down by {$400.00} but the amount wasn't reported to the credit bureaus.
Subsequently I filed a complaint with XXXX and the balance was updated to reflect that I owed {$3800.00}. Another 3 weeks had passed and I paid another {$300.00} but noticed as I was looking at my XXXX report that the balance they were collecting on had been included in my Bankruptcy, therefore I disputed the account with XXXX on XX/XX/XXXX. While the account was under dispute I ended up resolving the issue with the Attorney and paid in full the settled upon amount. The Attorney 's office sent the settlement notification to National Credit Systems and sent me a letter as well indicating the account was settled.
As this matter was being resolved I was keeping a track of my credit through XXXX XXXX.
During this time I had received a 28pt. increase because I had paid my credit cards down. As a result, my score went up to XXXX with XXXX. On XX/XX/XXXX I had begun calling the credit bureaus to see if my name had been reported for rental history, I was checking because I am currently trying to move and the negative reporting has caused some issues. The rep at XXXX stated I was not on their report which was fine. I then called XXXX and learned I was on their report and got the information I needed to send to them to show the account with National Credit Systems had been settled.
However, while literally on the phone with XXXX I get an alert an my phone from XXXX XXXX advising " Good News You Balance has decreased on one of your accounts ''. I checked the alert and it showed that my account balance with National Credit Systems had decreased by {$200.00} ( probably a result of the dispute I filed about the balance ) BUT here is the problem when they updated my account to reflect this good deed of paying my account down my fico score DROPPED 31 POINTS DOWN from XXXX TO XXXX.
In utter shock I try to call XXXX and spoke to a rep who advised that 4 inquires had been completed on my account today but he couldn't tell me anything and I was already disputing my account. I explained several times the dispute n question was done days ago and had nothing to do with the update to my report today. He refused to look at it. I asked for a freeze to be put on my account and he said my account is already being disputed.
In a panic I pulled my free credit reports and XXXX nor XXXX show any inquiries being completed on my reports today and when I tried to get my XXXX it stated my report was being disputed and I couldn't get it.
All I want is the National Credit Systems account to be completely expunged from my credit like the Attorney told would be done once the account was settled, my 31 points put back on my score, and to be removed from the Rent Bureau with Experian ( I have the letter from the Attorney showing the account has been settled and I owe no money ) I worked my XXXX off to pay my credits and get my score up so I can rent a house for my family and in one click of a button someone has ruined that for me and my family.
I just want be able to rent a home for my family and not have to explain this situation over and over when I settled the account.
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| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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My sister and I rented an apartment at XXXX XXXX XXXX in XXXX, TN, XXXX around 4 years ago. The Manager was out sick of a long time so I never met her. When she comes back to work she begins trying to evict people to get new vacancies and accumulate collection write-offs. At the time I was always out of town working so I would maybe be there once a week. When I go home I seen the ceiling had a bad leak that caused some damage to the unit. I immediately reported the situation to the office and I noticed what the lady was doing to everyone. Somehow I became a target of hers and when they come to see the situation they wanted to accuse me of damage in the unit that was either already there or was caused by the plumbing leak. They stated, '' You violated your lease agreement. '' I realize the game she was trying to play on me so I made my way out of their presence. It took several days to come repair the issue and I had to go back out of town, I dropped my money order in the deposit box at the office and left. The next day my sister calls when she comes home saying there was a letter on the door to vacate. I come back home the same day to see what was going on and I decided to just pack my things and move out. My sister was already gone by the time I arrived and she said another associate gave her the money order that I paid rent with. That lady knew what was going so she tried to do what was right. She got in some trouble because she gave it back when we were leaving. I told them that I was just going to leave and the nice lady did the walk through of the empty apartment and cleared everything as in good shape besides the damage the leak caused. We left with the money order and all of our stuff before the actual date the rent was due and months later I see a collection on my report so I call them and they tell me the charge was for the months rent and damages even though we was gone before the due date and we did not damage a single thing in the apartment. We left the apartment just as clean as it was when we moved in. Since then I have been disputing the lies that is the only thing left on my credit report and they just leave the account like it is in collections. It says it's an open account that doesn't make sense to me since I have been gone for years, it has the wrong dates on there to make it look like we moved out later, it also says I owe {$850.00} when my rent was {$500.00} and and we didn't live there for the month it says we owe for and the extra add ons are supposable for damages that we did not cause. I have contacted the reporting agency National Credit Systems numerous times as well and they only know what was told to them by a liar. This is something that has given me a negative image for years and denied many loans that I needed badly at points in my life that made it hard to make a way to provide for my family. It has also prevented me from getting in safer and more sanitary homes to raise my children in. It also made it impossible to get some start up credit to begin establishing a foundation and security for my family. I am still bothered by how I am getting abused by the people with a little power that is badly neglected. I am only half way threw the 7 year limitation and I finally got a few accounts on my report that are helping. I learned who to contact and I'm hoping that writing this complaint will help make things right so I can proceed to a more healthier life with no undeserved, false reputation to hold me back from establishing a secure future for my family. Please take to heart my concerns and help the powerless with justice. Thank you and may XXXX bless us all.
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| 02/14/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This {$1300.00} debt was randomly added to my credit report ( and my two former roommates credit reports as a shared debt ) 7 months after we ended our 12 month lease with XXXX XXXX XXXX ( apartment complex in which we are former tenants ) in good standing. National Credit Systems ( the collections agency ) added this false collection report to our credit reports and also misspelled my roommates name on the collections report. XXXX XXXX XXXX misspelled the name on the lease and never corrected it after we requested for it to be corrected. As a result the invalid debt collections claim also has an incorrect name on it ( can provide copy of my roommate 's drivers license for proof the name is misspelled on this false debt claim ) - this collections claim is invalid and should be deleted from our credit reports ( the report is listed as a shared responsibility between 3 names. All payments were made to XXXXXXXX XXXX XXXX in full and on time.
National Credit Systems debt collections report claims the date of first delinquency is XXXX XXXX XXXX This is impossible and incorrect - Ive provided proof that we paid our last month of rent to XXXXXXXX XXXX XXXX in the amount of {$1500.00} on XX/XX/XXXX ( bank statements and XXXX account statements attached showing that payment was made ). Again, our lease ended on XXXX XXXX XXXX My roommate and I have the record of rent payments made to XXXXXXXX XXXX XXXX each month on time ( can provide bank statements for proof of records ). We were never contacted by XXXX XXXX XXXX, only by collections ( National Credit Systems ) in XX/XX/XXXX. Our lease ended with XXXXXXXX XXXX XXXX in XX/XX/XXXX. I paid {$970.00} in the form of a cashiers check ( required by XXXX XXXX XXXX ) to XXXX XXXX XXXX for security deposit and prorated rent on XXXX XXXX XXXX ( please see attachment ) of bank statement. We also never received our security deposit back from XXXXXXXX XXXX XXXX. We have not even been given a reason as to why this collections debt has been added to our credit reports. Ive attempted numerous times since first receiving a phone call from National Credit Systems ( which my phone registered their calls as Spam Risk, so I received voicemails as I did not answer and when I did call them back, I did not feel comfortable providing them my secure identity information such as my social security number because the claim is invalid ) to resolve the issue by contacting the apartment complex and XXXX XXXX XXXX refuses to return my emails, phone calls and voicemails. They have not contacted me at all since we ended our 12 month lease and our lease ended in good standing with all payments completed.
I disputed this invalid collections claim with XXXX and they have deleted it from my credit report. The collections claim should also be deleted from my XXXX and XXXX reports as well.
XXXXXXXX XXXX XXXX seems to have a history of falsely claiming debt via collections months after a former tenant has ended their lease without contacting the former tenant at all. There is another former tenant that added a complaint on XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX page that claims the same instance occurred with them. XXXXXXXX XXXX XXXX has a XXXX XXXX XXXX score of XXXX I submitted a dispute to the XXXX XXXX XXXX and they have confirmed that XXXXXXXX XXXX XXXX never responded back to them ( can provide a copy for records ).
I believe Ive provided all relevant information regarding why this incorrect/invalid collections claim should be DELETED from my credit report. It should be DELETED from the credit reports of the 3 names listed on this joint, incorrect debt collections report.
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| 05/13/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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First and foremost, I am exercising my right to not live in conditions ripe with mold and mildew. According to the Landlord/Tenant Act, there are tenant protections against landlord retaliation, such as putting negative information on credit report, for exercising a legal right, such as complaining about an unsafe living condition. An apartment can not legally force a potential tenant to live in conditions the tenant deems unsafe. XXXX XXXX XXXX.html In XXXX I applied for a apartment that was already questionable but I was working 3 part-time jobs at the time and had no choice. It was cheap and not a place I would typically live at. They didn't allow me to look at apartment before moving in. I soon found out exactly why they didn't. The day I was supposed to move in, I was taken to the apartment and was horrified. You could clearly see they had painted over wood that should have been replaced under sink in kitchen, there were bugs flying about and it smelled so awful my daughter and I could not stay even one night in there. Plus, the neighbors who were sitting outside told me that the people who had just moved out who were their friends, moved because the sink kept flooding over and over again in the kitchen. But instead of replacing the wood that was clearly and obviously began to mold, they just kept painting over it ie MOLD and MILDEW ensued. After looking at the apartment, I immediately asked the apartment lady for another apartment due to the horrific unsafe one they were trying to force me to live in. I was told the manager was not there that day so I had to wait the next day for an answer. I DID NOT TAKE THE KEYS TO THAT APARTMENT BECAUSE I HAD NO INTENTION OF LIVING IN THERE.
I went back home to wait until the next day to speak to the manager. I called the manager the next day but she said no, she would not give me another apartment. She flat-out refused to allow me to rent another apartment even after I expressed it was unsafe and I did not feel comfortable living there. So I never moved in. I never had the keys to the apartment. I lost all my money in fees, application fee, security and move-in fees that I'd paid. I checked the XXXX County Justice of Peace Court House and there was an eviction or any type of judgement filed against me in a court of law by XXXX XXXX or XXXX of XXXX XXXX but they still filed an eviction on my credit report, then sold it to Sure Deposit - National Credit Systems and I've been fighting to get it off my credit every since. https : //jpwebsite.harriscountytx.gov/XXXX.
I am obtaining a lawyer through my job and filing small claims court with documentation that this is fraud, if XXXX or XXXX can not force Sure Deposit, National Credit Systems to delete this off my credit report. I am unable to include the horrific reviews from present and dating back to when I was supposed to live at XXXX XXXX due to the length but they validate the very poor and unlivable conditions at XXXX XXXX.
In addition, as reported on my attached credit report, I was residing at XXXX XXXX XXXX, XXXX XXXX, XXXX, Tx XXXX in XXXX when XXXX XXXX and National Credit Systems are reporting I lived at XXXX XXXX.
I have also filed a complaint through the XXXX XXXX XXXX XXXX XXXX and file a complaint against both XXXX XXXX XXXX The XXXX XXXX XXXX XXXX XXXX and National Credit Systems. XX/XX/XXXX - ID XXXX.
Consumers are protected from predators like this complex who prey on people in desperate times because who would ever want to live in this XXXX XXXX
In conclusion, the address at XXXX XXXX apartment does not show up anywhere on any of my credit reports except the eviction.
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| 01/07/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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National Credit System has violated my consumer rights by continuing to furnish data to the consumer reporting agencies regarding an alleged debt as if they are the original creditor. They haven't been able to provide sufficient debt validation information to show they are the original creditor and the debt hasn't been validated by myself. The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another. According to 15 USC 1692J 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. b ) Any person who violates this section shall be liable to the same extent and in the same manner as a debt collector is liable under section 1692k of this title for failure to comply with a provision of this subchapter. According to 15USC 1692g National Credit System has failed to provide all of the information required in the law below as well. If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. According to Texas Finance Code Sec. 393.202 the collection agency has repeatedly violated the code below by utilizing the stall tactic in their response letters without providing any validation of the alleged debt. d ) If the third-party debt collector states that there has not been sufficient time to complete an investigation, the third-party debt collector shall immediately : ( 1 ) change the item in the relevant file as requested by the individual ; ( 2 ) send to each person who previously received the report containing the information a notice that is equivalent to a notice under Subsection ( c ) and a copy of the changed report; and ( 3 ) cease collection efforts. ( e ) On completion by the third-party debt collector of the investigation, the third-party debt collector shall inform the individual of the determination of whether the item is accurate or inaccurate. If the third-party debt collector determines that the information was accurate, the third-party debt collector may again report that information and resume collection efforts.
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| 08/07/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I Move out of XXXX XXXX XXXX @ XXXX in the morning. I left the keys to the unit and garage remote in side of the property before leaving there was no Damages done to the unit or property. I clean my unit from top to bottom No trash or furniture was left behind. I left XXXX XXXX XXXX on good terms.
I reach out to the property manager XXXX over at XXXX XXXX XXXX on XX/XX/XXXX i still havent receive my security deposit {$530.00} from them since I move out over 2 in A half months ago. XXXX told me she will follow up on it XXXX got back with me on XX/XX/XXXX with the status of my security deposit she told me I should be expecting it by mail to my new address on XX/XX/XXXX Before ever receiving my security Deposit {$530.00} And 6 days After I already move out of the unit XXXX the property manager over at XXXX XXXX XXXX ask me if I can leave them a 5star review on XXXX XX/XX/XXXX I did just that She then said to me You Rock XXXX she wish me the best of luck in my new Endeavor and you will be miss at XXXX On XX/XX/XXXX I fill out a rental application for a house that I like for me and my children. I was told My application was denied for the that home because I had a outstanding payment to my previous landlord property over at XXXX XXXX XXXX in the amount of {$530.00} I was devastated To find out they will do me like this after waiting 3months for my security deposit. so I immediately started reaching out to XXXX and their creditor National credit system on XX/XX/XXXX I spoke to XXXX over at XXXX XXXX which is XXXX assistant because XXXX was on vacation. XXXX was unable to tell me the reason why they put this on my credit. XXXX also inform me she was unable to help me with anything else because she dont have the clearance to do so. XXXX then gave me the customer service email to speak to somebody higher and that my have clearance to fix the situation On XX/XX/XXXX I email XXXX XXXX HR customer service letting them know this is a false allegations this is a serious matter which is affecting my rental history I demand someone to reach back out to me I left my contact information.
On XX/XX/XXXX HR customer service reach out to me and told me by email that I needed to contact there creditor at credit nation systems to fix the problem with them.
I did just that I call credit National system asking them to removing this false debt and they told me they cant take it off my credit until XXXX tell them to do so. I call XXXX talk to XXXX again told her what credit national told me and she said well its nothing we can do on our end.
Now I feel as if Im getting the run around with XXXX and their creditor credit national system so I reach back out to XXXX XXXX customer service demanding again for someone to call me this matter is urgent In is affecting my rental history and now I wont be able to move anywhere.
I patiently waited No one reach back out to me in regards to this matter I repeatedly sent emails to XXXX XXXX customer service and call Credit National still Nothing could be done.
On XX/XX/XXXX I receive two letters in the mail from National credit system Inc stating on behalf of XXXX XXXX I now owe a outstanding debt of {$850.00} the second letter from them was for another person whom I dont know .. I believe they have my information mix with someone else I dont know whats going on I know for a fact I dont owe XXXX XXXX any money I left them on good term my security deposit was due to me in the amount {$530.00} now they saying I owe them {$850.00} something dont add up and it XXXX sure dont make sense
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| 07/18/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you .At this time I will also inform you that if your offices have or continue to report invalidated informationto any of the three major credit bureaus ( XXXX , XXXX , XXXX XXXX XXXX, this action might constitute fraud under both federal and state laws.
Due to this fact, if any negative mark is found or continues toreport on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character .I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.It would be advisable that you and your client assure that your records are in order before I am forced to take legal action. DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account Any Judgments obtained by any creditor regarding this account Name and address of alleged creditor Name on file of alleged debtor. Alleged account number.
Address on file for alleged debtor Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for your company in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents.
This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Best Regards
|
| 01/18/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I had a debt for rent/move out, I disputed. I had called Nation Credit Systems Inc. and asked if they could offer 50 % the amount owed and was told no, they did not have the authority. I then contacted XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, of XXXX around XXXX XXXX.
In my phone conversation, XXXX said he can authorize the 50 % reduced amount to pay. I also asked if he could have this removed from our credit report as we are trying to build our credit back up and he said he would speak to National Credit to have it removed.
On XXXX XXXX XXXX I received an e-mail from XXXX stating the XXXX has contacted National Credit and authorized them to accept 50 % of the dept as settlement. On XXXX XXXX XXXX, I contacted National Credit. They checked the records and confirmed they will take 50 % of the debt.
I spoke to a XXXX XXXX and sated I spoke with XXXX XXXX of the XXXX and confirmed with XXXX XXXX that this would be removed from my credit. XXXX XXXX said it would be removed and it can take up to 30 days ( XXXX XXXX XXXX XXXX days ). They said as soon as I paid it, they would send me an e-mail confirmation that the debt had been satisfied.
I received the confirmation e-mail on XXXX XXXX XXXX ( attachment XXXX ).
It did not mention that it would be removed from my credit. When I called XXXX XXXX back to discuss what I was told by XXXX XXXX and himself that it would be removed, he hung-up on me. I then called back and spoke to a supervisor about XXXX XXXX and what he said he would do along with XXXX XXXX, in having it removed. The supervisor was not very helpful at all and when I requested a copy of my phone conversation, she refused it and said it was for the use only.
This was finally removed with in the 30 days, and then National Credit report this debt back to XXXX on XXXX XXXX XXXX, They illegally reported back to XXXX 11 days after they debt was settled and confirmed and removed ( attachment XXXX ).
After finding this back on our credit my wife contact XXXX XXXX again via e-mail and she had spoke with him prior to this on the phone. She advised him of the situation on XXXX XXXX XXXX, that this was reported back on our credit after an agreement was meet for payment, that it was removed and then re-reported back to XXXX and that he said XXXX would also make sure it was removed.
On XXXX XXXX XXXX my wife received an e-mail from XXXX XXXX ( Interim XXXX of Housing ) stating that XXXX XXXX no longer works at the XXXX. XXXX has been in contact with the collection agency to try to rectify the situation. After 11 days of no update, we re-contacted XXXX on XXXX XXXX XXXX.
They replied that they contacted Nation Credit Service and requested they remove this from our credit records. She stated National Credit Systems was unable or refused to delete it from our credit record.
1. Is it not illegal for National Credit Service to tell me they will remove it as soon as I pay it and not send me proof of that?
2. Is it not illegal for National Credit Service to remove it after the debt was paid by agreement, then to report it back to XXXX 11 days later after it was removed? ( it made my credit score go back down ).
3. Now we are in a battle of who has the authority to have this removed from our credit records, the XXXX or National Credit Service. We have had several debts that we have done the same thing on and they have all been removed without question.
4. Now on XXXX XXXX XXXX National Credit Systems has removed it from reporting to the closed section and it still shows on my report.
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| 10/16/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been working with National Credit Systems about an eviction debt. I had a wage garnishment against me and a judgement for {$1400.00}. The debt was shared by my ex-husband and I for an apartment we both lived at, until we decided to separate and I left the premises. After physically leaving the residence myself and unable to force my ex-husband to leave due to his name being on the lease, I had to remove myself and my children from the property of XXXX XXXX XXXX in XXXXXXXX XXXX in XXXX.
On XX/XX/XXXX, I received an email stating a judgment had been filed.
On XX/XX/XXXX, I notified the apartment by email that the unit was vacated since XX/XX/XXXX. The apartment complex had been given the unit back in their possession. After the complex accessed the apartment and review any necessary damages or charges, they did not file any additional enforcement of any debts and we were not notified any further about debts owed. Within a month, the debt had already been sold to collections without any other information given to me to pay anything off until I reached out myself to XXXX XXXX.
On XX/XX/XXXX, I made a payment in the agreed amount {$1200.00} based off communication with a representative named XXXX from National Credit Systems. I was under the impression this was a settlement amount to resolve the debt entirely. There is no other court proceedings that indicate any further debt was owed to XXXX XXXX National Credit Systems .
Upon seeing that my credit report did not reflect the payment I made as agreed, I emailed National Credit Systems to ask for a payoff letter and why I still show a debt. I contacted XXXX XXXX XXXX courts on that same day to confirm if any additional court cases were held against me by XXXX XXXX or if any additional debt was showed owed, to which the courts stated there were none.
On XX/XX/XXXX, I called XXXX XXXX XXXX XXXX and was advised a Satisfaction of Judgment was sent in and nothing else was ordered as owed and the case is closed.
After seeing a new debt amount listed on my credit report, I contacted National Credit Systems and was advised by XXXX XXXX and XXXX that the new debt showing is the balance left from what XXXX XXXX is charging me. I advised them this debt is not valid and I will not be paying them for the amount which was not ever validated in court. The judgment was satisfied and the courts did not order any additional amounts be paid. The case against me for eviction has been resolved, yet the creditor is attempting to collect on a debt that is not valid. When I asked XXXX today, XX/XX/XXXX, why did the complex not take my ex- husband and I back to court for the new debt amount she only replied that the complex needed access to the apartment before they could calculate any further charges. This holds no relevance to the fact the complex did not report any additional debt or charges owed in court at any time since the original signing of the judgement on XX/XX/XXXX.
National Credit Systems presents inaccurate information as if they were first hand witnesses to the situation or were even remotely involved in the process other than collecting felonious debts they have bought from other companies. The debt is over seven years old at this time and is still reporting as a current active debt, far past statue of limitations. The company refuses to remove the incorrect debt amount from my credit and does not acknowledge that the debt should not be listed as negative on my credit even though it is more than seven years old.
|
| 10/06/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This letter is being sent to you in response to your intent to collect a debt. Be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collections Practices Act, 15 USC 1692 SEC. 809 ( b ) that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for Explain and show me how you calculated what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide me with copies of any papers that show I agreed to pay what you say I owe Provide a verification or copy of any judgement if applicable Identify the original creditor Prove the Statue of Limitations has not expired on this account Show me that you are licensed to collect in my state Provide me with your license numbers and Registered Agent Provide me with justification for 30 day late remark including payment dates and amount paid At this time I will also inform you that if your offices have reported invalidated information to any of the three major Credit Bureaus ( XXXX, XXXX, or XXXX ) this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is.
If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletions request shall be sent to me immediately.
I would also like to request in writing that no telephone contact be made by your offices to my home or to my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to or with and third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Best Regards, XXXX XXXX CC : Federal Trade Commission XXXX XXXX XXXX, XXXX Washington, DC XXXX CC : XXXX XXXX, Florida Attorney General XXXX XXXX, XXXX XXXX XXXX, FL XXXX
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| 07/01/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I was apart of a 3 person lease agreement on XX/XX/XXXX. The lease was from XX/XX/XXXX thruXX/XX/XXXX. During that time, I was called to XXXX duty from XX/XX/XXXX thru XX/XX/XXXX. Because of this, I was going to be let out of my lease according to the SCRA ( Servicemembers Civil Relief Act ). I let my landlord know of this departure on XX/XX/XXXX that I was moving out on XX/XX/XXXX. I gave the landlord more than 60 days notice. When I received my official orders, I gave her a copy along with a document with her signature on it saying that she received the documents and that she would be agreeing to comply with the separation from the leasing agreement on XX/XX/XXXX. The other 2 residents stayed on the contract and found another person to take up my part of the rent.
Once I got back from training, there was a debt from the apartment complex on my credit. When I looked further into it, the debt was put on my credit on XX/XX/XXXX and first reported in XX/XX/XXXX. I was confused and tried to call the XXXX apartment complex who kept giving me the run around. I then called the debt collecting company who now owed the debt, National Credit Systems, who not only was very rude and tried to coerce me into saying the debt was valid and belonged to me ( I have the phone call recordings & dates/times from my phone company ), but they refused to give me any solid information regarding it besides the first and last page of the lease. They refused to give me copies of the ENTIRE lease agreement when asked if I could retrieve it in order to see why Im being charged this amount, but yet she was rude and hung up on me. According to the SIGNED lease agreement for the what if charges, there was no amount or anything put into that section. Also, on the move out statement, the balance as of XX/XX/XXXX was {$1700.00}. On this same exact statement, there was a lease to date of XX/XX/XXXX ( the ending date of the lease ) & a move out date of XX/XX/XXXX. As I continued to read the move-out statement, there was a rent charge on XX/XX/XXXX, a termination fee on XX/XX/XXXX, two more write off charges of {$1100.00} on XX/XX/XXXX, and a {$2200.00} write-off charge on XX/XX/XXXX. This made the balance show {$0.00}. So when I called National Credit Systems for the last time to get clarity as to what exactly was going on, they got hostile again & told me nothing. ( Once again, I have recorded calls if needed ). When I finally got in contact with my ex-roommate, they said that they spoke with the landlord and asked if the TWO of them could stay another week past the lease until the new apartment was ready. They reached a verbal agreement and was allowed to stay. There was no new agreement signed with all three original signatures or anything of the sort. So these charges are invalid.
Second, Once the landlord signed the paper saying that she was going to allow me out of the lease for military reasons, this shouldnt be present on my credit report as I was not here during those months and their new roommate gave money orders to pay for rent with their name on it to the landlord which further proves my case. I have documentation of everything stated in here and would like this removed due to it being a liability issue on my credit and its affecting my life. If this doesnt work, I will be forced to go the Attorney Generals office with the other two to show them that I was not present in the household during this lease let alone that I shouldve even been charged with this in the first place.
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| 08/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices are able to provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards,
|
| 05/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
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XXXX XXXX Account number XXXX XXXX XXXX XXXX Credit Bureau Names XXXX XXXX opened XX/XX/XXXX To Whom It XXXX Concern, I recently received a copy of my credit report and found that you are illegally reporting inaccurate, noncompliant, and false information about me. The following alleged account XXXX is listed as closed charged off DUE BALANCE of XXXX as of XX/XX/XXXX with balance XXXX balance I recently found out by the original creditor my information was illegally sold off to XXXX XXXX XXXX XXXX firm and I have never signed a contract with neither XXXX of these creditor back in XX/XX/XXXX This account XXXX reflect still open no term past due XXXX as of XXXX by XXXX by XXXX XXXX XXXX can not collect both debts I have called both parties National credit system stated XXXX XXXX XXXX XXXX firm is to my knowledge of the FCRA requirements and laws are handling my illegally bc they not the original collection agency FRCA LAWS IT DOES NOT MEET FRCA REQUIREMENTS AND MUST BE PERMANENTLY DELETED FROM MY RECORDS I HAVE FILED MULTIPLE DISPUTES asking for ORIGINAL COPY OF THe CONTRACT with my HAND WRITTEN SIGNATURE validation of the debt and how it was validated and verified AND THEY ALL COME BACK VERIFIED AND UPDATED WITH NO. INFORMATION ON HOW IT WAS VALIDATES OR WITHIN XXXX OR XXXX DAYS WHICH TELLS ME THE FINDING AND INACCURACY I POINTED OUT IN MY DISPUTES WERE NOT FULLY INVESTIGATING PROPERLY AND YOU ARE ALLOWING A CREDITOR TO FALSELY REPORT INCOMPLETE AND INACCURATE INFORMATION ILLEGALLY WHICH IS HARMING MY RIGHTS AS A CONSUMER TO A FAIR Report with showing COMPLETE ACCURATE AND CONSISTENT REPORT for XXXX XXXX XXXX, opened XX/XX/XXXX with a 1 month term charged off balance and past due balance of XXXX This is a violation of the FCRA 15 usc 1681 ( I ) 15 usc 1681 ( n ) Civil liability for willful noncompliance 15 usc 1681 ( o ) Civil liability for negligent noncompliance 15 USC code 1681e Compliance procedures and is also in violation of requisite XXXX XXXX Compliant reporting standards By the provisions of the Fair Credit Reporting Act and per the standards of reporting compliance implemented with the XXXX enacted XXXX XXXX XXXX COMPLIANCE regulations, I have the right to a fair and accurate credit report, and you are required to remove any information that is not true, accurate, compliant, and verifiable. I demand that these above mentioned derogatory items be reinvestigated and permanently removed from my report. I await your reply as I have already waited 30 days and you have Failed to complete an complete investigation on this account XXXX is reflect a collection account with past due as of XX/XX/XXXX is reporting payment history each month when it should not since the account has been charged off. This is falsely manipulating the statute of limitations which is a FCRA violation. XXXX shows no payment history and account is open no past due Because of this apparent neglect in assuring everything in my report is accurate, consistent and up to date please " DELETE '' this item immediately I have i knowledge of a signed a contract of with this creditor with review of the information provided which is also in violating 15 usc 1681 FCRA laws states the creditor has 30 days from the original date of dispute to provide the original contract with a signed handwritten signature I have yet to receive the contract with my hand written signature This agency has no right to try to collect a debt I am demanding deletion of this account
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Sooooo. With all the grief Ive been dealing with due to the injustice Ive incurred, I am willing to go to the furthest extent of the law for My Rights as an Adult, being above 18 yrs of age, that I should not have to explain the fact that according to the Fair Credit Reporting Act 15 USC 602 & 1681 it plainly states that There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy ; and my privacy has absolutely been violated to the pointe I have to type this demand/complaint letter. XXXX & XXXX etc. are consumer reporting agencies and I am obviously the consumer, a living breathing Man, not a corporation or a legal entity. I, as a Man, have the right to protect my personal information and to make sure it isn't shared without my knowledge or consent, which is backed by 15 USC 6801. As should already be aware as an agent/principal, 15 USC 6801 it states It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. NATIONAL CREDIT SYSTEMS & XXXX XXXX is a financial institution by definition under title 15 USC 1681 sec 604a sec 2 states that in general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. NATIONAL CREDIT SYSTEMS, XXXX XXXX, XXXX & XXXX, etc DO NOT HAVE MY CONSENT, NOR MY WRITTEN CONSENT TO FURNISH ANY OF MY INFORMATION. Let it be known to XXXX & XXXX etc that ALL CONSENT whether it be verbal, non-verbal, written, implied, or otherwise is REVOKED. 15 USC 6802 ( b ) ( c ) states that A financial institution may not disclose nonpublic personal information to a non affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. NATIONAL CREDIT SYSTEMS & XXXX XXXX never even contacted me or sent me an email or anything of that matter informing me of my right to exercise my nondisclosure option. 12 CFR 1016.7 states that A consumer may exercise the right to opt out anytime. Please consider this as Me OPTING OUT of your reporting services. 15 USC 1681s-2 ( A ) ( 1 ) A states 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 that the information is inaccurate. 15 USC 1681 ( e ) states Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681 ( c ) of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681 ( b ) of this Title. XXXX and XXXX are not maintaining reasonable procedures so that leaves me with no choice but to have to decline further involvement. Lastly, 15 USC 1681 C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item information, other than records of convictions of crimes which antedates the report by more than seven years. This account is an adverse item, they are reporting again without my permission which is against the law!!!!!
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| 08/18/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems has been attempting to collect a debt from an apartment complex. The lease of that apartment complex was terminated due to the landlord 's failure to maintain the premises. Mold, algae, and water intrusion were not remediated after the landlord was served a 7 day notice on XXXX XXXX XXXX. After the 7 day notice expired, tenant served landlord with notice of termination of tenancy XX/XX/. After moving out, the landlord failed to send a notice of intention to impose claim to security deposit to the address listed on the termination letter. The landlord is withholding security deposit and attempting to collect early termination fees and rent for the month that the lease was terminated. I do not owe those debts because the landlord failed to provide a habitable premises under Florida Statutes.
From FL statutes : Once tenant properly serves seven-day notice and the landlord fails to substantially resolve the issue within the seven-day time frame, the landlord is considered the party who breached the lease. At this point, the tenant can serve a second notice informing the landlord that the tenant wishes to terminate the lease and be sure to provide a move out date in such letter so the landlord knows when tenant is leaving. If the tenant properly gives the landlord a seven-day notice and terminates the lease in writing after the seven days expires, the tenant is not responsible for the 2-month early termination fee/liquidated damages.
Please see and review FL statutes 83.49, 83.51, 83.56.
A dispute was submitted to National Credit Systems on XX/XX/XXXX. The date is now XX/XX/XXXX and I have not received a decision from the dispute. I call National Credit Systems for information from the dispute and I am told that my account is in investigation status so they can not talk to me.
This attempt to collect is a malicious attempt by the landlord to collect funds in which I do not owe. Photos of the property show mold and algae growth over several months after the office was notified. No significant effort was made to remediate the property. A 7 day notice was given and soon after notice to terminate. All paper work signed and dated by the property manager.
XXXX XXXXXXXX will claim that the window was left open and resulted in mold growth. This simply is not true. This is an attempt by them to limit liability and shift blame to me. ( they wanted me to sign a non disclosure agreement when I left the property for the last time. ) I contacted XXXX XXXX on XX/XX/XXXX about the issue. I followed the guidance they gave me and the issue did not resolve. After contacting them several times after, nothing was resolved. I contacted an attorney and they provided guidance for me to find better living conditions. All of this was documented with daily photographs of the mold and recorded conversations with apartment management. The facts are this : I reached out for help, XXXX XXXX did not provide it so I served them with a notice to fix. They did not fix the issue, so I gave them a notice of termination. Now they are attempting to charge me for a contract they violated - as a result it was terminated in accordance with FL statutes.
National Credit Systems continues to report the account to the credit bureaus and refuses to update the dispute in a timely manner. This is not fair to me - a debt I do not owe is being reported to the credit bureaus and wounding my credit history.
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| 12/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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I pulled my credit report on XX/XX/XXXX & seen these accounts that was either charged off or in collection under my name. I contacted the 7 company an informed them this was a fraud account & asked the companies to provide me with documentation of the original contracts with dates & both parties ( my Signature & the Companies ) signature on the documentation. I also have tried disputing it thru the credit bureau, but the companies have not provided me with these contracts/documentations, but instead continues to report these accounts to credit bureau XXXX The following 7 Companies I am writing these formal complaints on : 1st Company Compliant Company : XXXX XXXX XXXX XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balanced Reported on Credit Report : {$3600.00} Date Reported on Credit Report of Charge Off Date : XX/XX/XXXX Contact Information on Credit Report : XXXX XXXX XXXX, XXXX XXXX Tx XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 2nd Company Complaint Company : XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$4900.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, WA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 3rd Company Compliant Company : National Credit System/ XXXX XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$2400.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX, GA XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX 4th Company Complaint This Account is reported on my Credit Report Twice Company XXXX XXXX XXXX Account Number on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX & XX/XX/XXXX Balance Reported on Credit Report : {$1100.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX Company Complaint Company XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$920.00} Contact Information on Credit Report : No Address Given on Report Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX XXXX Company Compliant This Account Reported on my Credit Report Twice Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Account Opened on Credit Report : XX/XX/XXXX Date Reported on Credit ReportXXXX Balance Reported on Credit Report : {$130.00}, {$140.00}, {$180.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX, SC XXXX & XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX XXXX Number on Credit Report : XXXX ( XXXX ) XXXX & XXXX ( XXXX ) XXXX 7th Company Complaint Company : XXXX XXXX XXXX XXXX XXXX Account Number Reported on Credit Report : XXXX Date Reported on Credit Report : XX/XX/XXXX Balance Reported on Credit Report : {$150.00} Contact Information on Credit Report : XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX Contact Number on Credit Report : XXXX ( XXXX ) XXXX XXXX
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| 08/05/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In the Fall of XXXX we made the decision relocate to Florida. I spent several months investigating various communities that would meet the needs of my family and that we could afford.
I submitted an application for a four-bedroom unit advertised as AVAILABLE for our tentative move-in date. XXXX does hourly/daily updates of availability of properties. We paid the required two applicant fees of {$170.00} with a deposit of {$350.00} to hold the floor plan we chose. Nothing in the Contract we received alluded to anything about these fees being non- refundable prior to submitting the payment information. The fees were immediately subtracted from our bank account. We received a letter of approval and congratulations affirming our contract.
The following day after having received this letter of acknowledgement, we further received, via email, notification that there were no four-bedroom units available to us ; and should we choose not to be placed on the waitlist automatically, we had 48 hours to reach out to the property to cancel the contract. Waitlisting was never stated as a possibility in the contract we signed. It was a violation of the aforementioned. AgreemenXXXX.
There were 3 different extensions which I dialed so that I could straighten this out with a live agent. NO-ONE answered. We then sent out email inquiries through the page of XXXX XXXX XXXX, and once again received NO RESPONSE to our attempts to reach a live representative. Each time we made phones calls we left voicemails requesting that an agent return our calls. NO ONE called back, ever. I left a XXXX review in hopes that someone at the office would reach out to us in response. Sadly, we realized that we were defrauded ; neither phone calls nor our good faith deposit were returned.
We contacted our credit card company to cancel the payment ; fees totaling {$520.00}.
Months later we received threatening emails and calls from XXXX XXXX telling us that our account was being sent to Collections ; and legal action against us was initiated. We called AGAIN and this time, someone, named XXXX XXXX, senior collector answered. After explaining our situation, he was hostile, disrespectful, and said he is submitting our account to collections at that moment. I requested to speak to a higher-level management representative who was also of NO HELP and dismissive. I emphasized that due to my husband 's prospective employment ; our childrens school dates, and the termination of our current lease- that flexibility in move-in dates were not an option.
Reviews on XXXX for XXXX XXXX XXXXXXXX from others who had similar experiences, confirmed my allegation. As a result, my husband lost over 100 points on his credit report while my credit dropped XXXX points. Ultimately, the points were reinstated after I filed disputes with each credit reporting agency. Subsequently, we learned that a collection of {$520.00} was again placed on our credit report through a different collection agency, National Credit System. I have emailed them a copy of my above letter and thus far received no response.
We filed a dispute with all three credit reporting agencies, and had the collection removed. Nevertheless, shortly afterwards, the collection demands reappeared on our rating. This has been going on since XX/XX/XXXX.
We are in the process of trying to buy a home and this false credit report is preventing us from good faith negotiation.
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| 11/29/2022 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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National Credit Services sent me a letter stating that my ex-landlord turned me over to them on a debt I was disputing with the landlord for the total amount of {$3100.00}. The initial " creditor '' was XXXX XXXX XXXX. They told me I needed to call or write them by XX/XX/2022 to dispute the debt. I sent National Credit Services a letter disputing the debt within the 30 day time allotted to me, on XX/XX/XXXX, via email to XXXX. They did not contact me again, but rather reported my debt to credit reporting agencies. I was first informed of it being reported to credit reporting agencies on XX/XX/2022. They were supposed to stop all collection activity until they had responded to my dispute. They never responded, but instead took action to negatively affect my credit.
Below is a copy of the email I sent them : To Whom It May Concern, We dispute this debt in its entirety for the reasons shown below.
Any charges related to the replacement of carpet, which underwent normal wear and tear for 5 1/2 years are fraudulent charges. The average useful life of carpet in a rental property is 5 years. We lived there for 5 1/2 years. It was time for them to replace the carpet any way and to try to charge us for their cost of doing business is fraudulent. We did no more damage to the carpet than normal wear and tear that anyone else would have done after almost six years of living in that residence. Further, XXXX always replaces the carpet after a tenant moves. We are not responsible for their costs of doing business. We deny any and all charges related to this.
They had mentioned a hole in the ceiling. That hole in the ceiling was due to a leaky pipe in the walls of the apartment of which they were alerted multiple times but failed to adequately fix. Any charges related to that hole are not our responsibility but theirs. We deny any and all charges related to this.
One other charge that sticks out in my mind is that we left behind a queen sized mattress, which yes, they had to move approximately 25 feet to the dumpster. For that " service '', they are attempting to charge us {$190.00}. That is exhorbitant and fraudulent to charge that.
They provided no receipts for any of the supposed work that was done, nor a complete itemized list of supposed damages and charges for each item. Our {$200.00} deposit and {$200.00} pet deposit should have been more than enough to cover any minor cleaning or damages that needed to be remedied.
I have never before had a rental company take more than a couple XXXX dollars out of my deposit for cleaning/damage prior to this and {$3100.00} is simply outrageous on top of the {$400.00} we already gave them. And considering that they tried to charge us {$190.00} to move a mattress 25 feet, I can only imagine that they have not only padded the charges, but raised them extortionately. I understand times are hard for everyone right now, but for XXXX to try to defraud and extort money from us that is their cost of doing business is reprehensible.
I will fight this fully and should XXXX persist in this matter, I will look into and use all legal remedies available to me, including filing a case against them for fraud, should any damage be done to my credit report. Further, should you take part in any damage to me or my credit report, you will be included in any legal remedies that I seek.
Sincerely, XXXX XXXX & XXXX XXXX
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| 02/02/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My daughter is a college student in XXXX GA. She rented an apartment from XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA.
Her lease agreement began XX/XX/XXXX, and ended XX/XX/XXXX. I was listed as her guarantor.
My daughter moved out of the unit near the end of XX/XX/XXXX. Two months after she moved out she received a letter stating that she owed miscellaneous bogus fees of XXXX. She had not received any notification of these fees prior to the time. She had a video of her unit when she left showing no damages. She cleaned out all trash, and her father witnessed. I attempted to contact the apartment management via telephone numerous times, and they refused to speak with me. I sent emails.
Upon move-in, she completed a move-in inspection form. There was no move-out inspection done, and per Georgia landlord-tenant laws if there were damages, they were obligated to notify her within 3 days of moveout, or the end of her lease, not two months later.
Per the lease agreement, they were required to submit photos to us of damages claimed. There were no photos.
" Within three ( 3 ) business days after the lease terminates, or a reasonable time after the landlord discovers the tenant vacated, the landlord must inspect the unit and prepare a list of all damages and the estimated dollar value of such damage. The landlord must sign the list and provide it to the tenant. O.C.G.A. 44-7-33. '' The lack of notification until two months later was noted by the management in the letter attached below. My daughter did not open the email sent over two months after her move out because she was not concerned about any issues, and she received other junk emails from them in the past.
In addition to violating these laws, we were unaware of the law whereby a person who has an emotional support animal or a service dog can not be charged additional fees for the animal.
My daughter 's dog is an emotional support animal and a certified service animal. We were quick to inform the apartment complex of this emotional support animal upon signing the lease agreement, and we supplied the necessary paperwork, attached. It was not until a few weeks ago, that we discovered the illegality of charging additional fees for her animal, but they did. The additional fees were a total of : XXXX over the course of the year.
XXXX is not a large sum of money. My refusal to pay the fee is the result of the principle of not allowing them to steal from college kids. At this point, both my and my daughter 's credit scores have been affected. My score was XXXX and is now XXXX. My daughter 's score is now XXXX.
The collection agency name and address is : National Credit Systems , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX We have sent a letter to them as well as to the apartment complex. See attached. Letters were ignored.
They have violated the Fair Housing Amendments Act by charging my daughter additional fees for her emotional support animal.
I personally attempted to contact the apartment community many times and received no return calls. I emailed letters. I spoke to the collection agency. Nothing.
We hired an attorney to send letters, which I will attach, to both the apartment community and the credit collection agency. The letters were sent and received, per certified mail, but we received no response.
Please assist us with this matter. Thank you.
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| 09/06/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Account number XXXX XXXX XXXX XXXX XXXX XXXX I am aware that by your company alleges a debt. I have reason to believe I do not owe this debt because : This account was started joint without my knowledge by XXXX XXXX who is deceased. Therefore I am requesting a Goodwill Deletion of the reporting of this bad credit item as : this debt was acquired due to an unfortunate circumstance In addition, Amount reported is incorrect. Original creditor must provide credible evidence to prove the allegations surrounding the imposition of a fine ( storing biohazard materials? ) and also what jurisdiction grants this property to impose this fine without evidence. Due process was not followed to collect the arbitrary fine.
I have never received any proof that any such violation and resulting damage occurred and being that this account was started without my knowledge or consent, and the alleged amount of debt is incorrect, the entire debt is null and void under the Fair Debt Collection Practices Act Also several violations have occurred in this debt claim that are not consistent with Texas property law : Texas Property Code Sec. 92.018. LIABILITY OF TENANT FOR GOVERNMENTAL FINES. ( a ) In this section, " governmental entity '' means the state, an agency of the state, or a political subdivision of the state.
( b ) A landlord or a landlord 's manager or agent may not charge or seek reimbursement from the landlord 's tenant for the amount of a fine imposed on the landlord by a governmental entity unless the tenant or another occupant of the tenant 's dwelling actually caused the damage or other condition on which the fine is based.
Never abided by Texas Property Code Sec. 209.006. NOTICE REQUIRED BEFORE ENFORCEMENT ACTION. ( a ) Before a property owners ' association may suspend an owner 's right to use a common area, file a suit against an owner other than a suit to collect a regular or special assessment or foreclose under an association 's lien, charge an owner for property damage, or levy a fine for a violation of the restrictions or bylaws or rules of the association, the association or its agent must give written notice to the owner by certified mail.
Sec. 209.006.
( A ) is entitled to a reasonable period to cure the violation and avoid the fine or suspension if the violation is of a curable nature and does not pose a threat to public health or safety ; ( e ) If the owner cures the violation before the expiration of the period for cure described by Subsection ( c ), a fine may not be assessed for the violation.
Several Defects of consent have also occurred in the service of this alleged debt, including the absence of competence in a contracting party as well as coercion through acts or threats of a contracting party through the Addition of illegitimate fines.
Because I am writing you within 30 days of being notified by your company about this debt, you must cease attempting to collect this alleged debt until after you have provided the requested information.
If you continue attempting to collect on this debt or seek judgment for payment of the debt without first providing written verification, you will be in violation of the Fair Debt Collection Practices Act. Additionally, the debt can not accrue any fees or interest beyond what is allowed by state law or by contract with the original creditor.
Sincerely, XXXX XXXX XXXX
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| 08/18/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am responding to the correspondence that National Credit Systems Account # XXXX had stated in the previous complaint filed with the CFPB on XXXX with the response date of XXXX. Unfortunately, However, your " client " the original creditor, has not furnished a valid lease agreement bearing my signature in reference to the date listed and has supplied an inaccurate lease date. I first entered a lease agreement with XXXX XXXXXXXX XXXX on XX/XX/XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX that ran for 1 year. After completing the lease, it was placed as month to month with no lease agreement. Then on XX/XX/XXXX I entered into a 1 year lease agreement at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX from XXXX XXXX XXXX. After completing the lease, it was placed as month to month with no lease agreement. I signed the lease on XXXX. I still have the original lease agreement signed on XXXX and ran from XXXX to XX/XX/XXXX. I was month to month on XXXX while residing at XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I havent signed or agreed to any new leases after XXXX Your documentation does not support or bear my signature to any leases signed on XXXX The document supported is not valid and does not validate as any constitutional debt under the FTC regulations. On XX/XX/XXXX I had vacated the premises and left. I have not resided there Since XXXX XXXX XXXX In addition, I received an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation. In addition, in the case of Spears Vs. Brennan ( IN THE COURT OF APPEALS OF INDIANA, No. 49A02-0003-CV-169 ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of Brennans debt collection letter, Spears counsel XXXX sent Brennan a letter declaring that Spears disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, Brennan should have ceased his debt collection efforts immediately upon receiving that letter. Instead, Brennan proceeded to obtain a default judgment against Spears on the debt collection claim before he had mailed Spears the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). Brennan maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to Spears ] in the XX/XX/XXXX notice of claim. Brief of XXXX at XXXX. Specifically, Brennan claims that a copy of the consumer credit contract between Spears and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of Spears loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by Spears, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once Spears stopped making the required payments. Indeed, the existing unpaid contract balance at the time Brennan sent the debt collection notice was at least {$350.00} more than the original loan amount.
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| 08/14/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is written to dispute the decisions by both XXXX XXXX and National Credit Systems ( NCS ) to continue reporting inaccurate information about me after both companies have been supplied with valid proof that the debt reported by National Credit Systems to XXXX XXXX is debt in another persons name that never existed in my name. I do not now, nor have I ever owed the debt in question.
An email to me from National Credit Systems dated XX/XX/XXXX states, Your dispute has been investigated ; however we have yet to find sufficient evidence to validate your claim ( s ). It is very important that you provide our company with all relevant documentation and information supporting your position.
Documents provided to me by NCS to support its claim regarding the debt are not only insufficient to support NCSs claim, they actually serve to refute it, and prove that the debt in question was never even in my name.
The first document, a lease from XXXX, shows nothing other than at XXXX time I was an occupant at the apartment. I moved from that location in XXXX, months before the debt in question was accumulated. When the apartment commenced action to recover the debt, I successfully petitioned the Court to remove me from the action and obtained an order from the Court to expunge the action from my record ( court documents were provided to XXXX XXXX and NCS ).
The other document was a final account statement from the apartment prepared on XX/XX/XXXX. The statement includes both my name and the name of another person who lived at the apartment in the address section, however the statement itself clearly names the debtor as the other person and her alone as shown by the system notation at the bottom of the page of the document : Final Account XXXX : ( name of other person ) ( statement was provided to XXXX XXXX and NCS ).
The Apartment statement proves the debt in question was not listed in my name by the original creditor. Also, at the time the statement was generated in XXXX, XXXX, not only did I not live at the Apartments, but the date listed is long after the Court removed me from their actions to recover the debt ( proof of address provided ).
The information I have provided is irrefutable proof that NCS and XXXX XXXX are reporting a debt that is not now, nor was it ever in my name, but both XXXX XXXX and NCS have refused to correct my report by deleting the derogatory remarks concerning this debt from all XXXX XXXX and NCS reporting.
Both XXXX XXXX and NCS have made numerous deceitful statements, such as XXXX can not act on its own to remove the false information, that only NCS can remove it. They have undeniable proof in court documents, screening reports, and even the original creditors statements that I am not the person who owes the debt, but they both say it isnt enough to remove the remark. NCS illegally parked the debt in the wrong name, and when asked to remove it, the representative, XXXX XXXX, said he didnt have to prove anything, that NCS and XXXX XXXX have nothing to do with credit, they operate outside of the credit system and dont have to follow any of the laws, that they could even report and collect on debt discharged in Bankruptcy Court XXXX XXXX XXXX threatened me saying if I didnt pay what he said I owe that I would never be able to rent an apartment again. This company should be shut down.
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| 10/31/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Our lease with XXXX XXXX XXXX ( managed by XXXX ) ended on XX/XX/2023. On XX/XX/2023, we received a move-out statement with a balance due to Landlord of {$430.00}. The balance consisted of a {$300.00} charge for hardwood floor scratches and glue residue as well as {$140.00} for valet trash service ( move-out statement attached ). The move-out statement was communicated to my wife and I via e-mail from XXXX XXXX XXXX . To be clear, there was no unpaid rent due.
On the same day, we responded via e-mail to XXXX XXXX XXXX disputing these charges. As we received no response to our e-mail, we then followed up by calling and leaving voice messages for management at XXXX XXXX, requesting them to call us back to discuss the matter. We received no e-mail or phone response ( e-mail chain attached ).
On XX/XX/2023, we received a notice from National Credit Systems, who was trying to collect this debt. After speaking with the Collection Representative, on XX/XX/XXXX, as per her direction, we sent in supporting documentation to dispute the debt via mail ( copy of letter and documents attached ). On XX/XX/2023, we received a letter from National Credit Systems stating that we have not received information sufficient to validate your dispute or revise our records and enclosed you will information provided to us by XXXX XXXX XXXX. There was no supporting documentation provided in the envelope with the letter. We then called the Collection Representative who stated that the Landlord stands by their position that the debt is owed. We told the Collection Representative that no supporting documentation was included and we require proof from management of the alleged damage to the hardwood floors as well as a copy of the move-in inspection report.
The hardwood floors were in poor condition when we moved in, which was noted on our initial walk through inspection that management retains a copy of. The hardwood floors had glue, scratches, and paint drops on them when we moved in and we left the unit in the same condition as when we moved in subject to standard wear and tear, which is expected in a rental unit as tenants cycle through.
Regarding the trash valet service, we supplied evidence of our communication with the Landlord throughout the year noting that the trash valet services were not being provided as per its terms. Management did not explain why the services were not being provided, they only instructed us to keep paying the " mandatory '' fee. We gave management ampleopportunities to resolve this yet no action was taken and the issue persisted. Therefore, we informed the Landlord to cease the trash valet service for our unit as well as stop charging the monthly fee. The Landlord ignored our communication and continued to include this fee on our monthly statement, which was illegitimate. We did not pay for this service because it was not provided which resulted in the outstanding charges of {$140.00}.
As of XX/XX/2023, we have not received any of the information we requested from National Credit Systems or the Landlord. From XXXX to XXXX, we sent numerous e-mails ( documentation attached ) and left voice messages for XXXX XXXX to clarify the charges and discuss the matter, but we have not received any communication since the initial outreach on XX/XX/XXXX. The Landlord is intentionally ignoring our requests.
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| 10/15/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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We were given XXXX XXXX days to move out of our apartment. We BARELY had time to move out, and we had absolutely no time to clean at all. We were told that if we didn't turn in our keys when we did, they were going to call the police on us to evict us. We were NOT given a form to fill out about the condition of the apartment when we moved in. They are trying to very unfairly try to charge us almost {$1000.00} and there's NO EXCUSE for it!!! They've put it on my credit report. I have proof of emails that I sent to them saying that we never received a form to fill out about the condition of the apartment when we moved in.
Also, once we turned in our move out notice last XXXX, they completely REFUSED to do any maintenance to fix anything at all!!! I have proof of those requests that they canceled. I NEVER CANCELED ANY MAINTENANCE REQUESTS AND I ALSO HAVE EMAILS TELLING THEM THAT I DIDN'T CANCEL ANY MAINTENANCE REQUESTS. I took screen shots of them with my phone. I also could NEVER get any maintenance request addressed while we were living there until after I called the corporate office in XXXX XXXX. EVERY SINGLE TIME!!!! XXXX, getting our breaker box replaced, which the owner of a local appliance store came to my apartment and told me that they had hooked up my washer and dryer correctly and that the breaker box needed to be replaced. I have their emails confirming that they informed the office about our breaker box needing to be replaced, but they REFUSED to replace it for about 3 months, until my next door neighbor told me that the only way that they would fix anything is if I called the corporate office in XXXX XXXX. Then they FINALLY replaced the breaker box in our apartment. But in the mean time, I had to go to a laundry mat every weekend to do our laundry because my dryer wouldn't work because they refused to replace the breaker box for about 3 months, and it cost me about {$25.00} each weekend to do our laundry. They also don't have a laundry facility on the property.
They are trying to steal almost {$1000.00} unfairly from me for nothing. It was an absolute NIGHTMARE living there!!!! XXXX night our toilet overflowed XXXX weekend and our hallway was covered in toilet water. They did NOT have their emergency maintenance line working. We had to wait until the next Monday to get it addressed. They overcharged us for our water bill because they refused to fix water leak issues, which I have proof of as well. They were the worst apartment complex that we've ever lived in and we've lived at XXXX different apartment complexes before living at XXXX XXXX apartments. They were constantly changing the staff and management in the office, so no one knew what was going on.
As I said, the apartment complex is XXXX XXXX Apartments. Their address is XXXX XXXX XXXX in XXXX, Texas. The corporate office is XXXX XXXX XXXX. They're at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. Their number is ( XXXX ) XXXX. Any information that the previous apartment manager gave them or pictures probably weren't even our apartment complex. They have {$950.00} on my credit report, claiming that I owe them for nothing. They are extremely shady and dishonest people!!!! I've disputed their claim on my credit report multiple times, providing lots of proof, but the debt collector refuses to remove it from my account, even with all of my proof.
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| 05/08/2023 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is a classic case of a newly acquired apartment complex remodeling a unit and attempting to charge the prior resident. I was paying hundreds below market rent because it wasnt an upgraded unit. This is why after 4 years of excellent tenancy, they suddenly didnt renew my lease, and refused to explain why.
Upon move out XX/XX/XXXX of XXXX, I did a walkthrough with " XXXXXXXX XXXX '', the office manager and a maintenance crew man. At that time, I was not given anything to sign in regard to responsibilities to move out costs. I handed her my keys and then I was emailed an excel spreadsheet of alleged charges. Immediately upon receipt, I began disputing the carpeting, some of the cleaning charges, and the painting. I attempted to work with " apartment complex '' after I moved. I left a forwarding address with " XXXX XXXX '' the complex manager. They would not discuss it with me. I left a message on XX/XX/XXXX, stating I would start making payments however I wanted to discuss the charges first before beginning payments on what I did not owe, because they could not charge me for monsoon damage and for something I had been requesting to get done for two years. I heard nothing back. There was contact again around end of XX/XX/XXXX. I agreed to go in and discuss, however I was advised that any and all communication needs to be in writing. So, as you can see from the screenshot of the e-mail from XX/XX/XXXX, that I requested communication be via e-mail. I waited for a reply however, that never happened. The next communication I receive is from National Credit Services. I did make two phone calls to the debt collector in XXXX of XXXX attempting to discuss charges that were not mine. I had agreed to send in the documents I had. But then I contacted an attorney through XXXX, XXXX, XXXX and XXXX who advised me to no longer speak with the debt collector directly until further notice, nor send any of my documents, including video footage upon move out. Arizona tenant law states that I can not be charged for painting after four years of tenancy, even in the event my walls were dirty. But they were not and clearly by the video. The letter to National Credit Systems states that I have verified proof that I continued to ask for the carpeting/flooring to be replaced due to monsoon damage, while I was a resident. The attorney also states that maintenance and management failed to do their due diligence to make repairs while I was a tenant. The letter that is included, from the attorney to National Credit Systems, specifically states that they need to send specific documents including any signature documentation of me claiming responsibility for these charges within 30 days. National Credit Systems failed to do so within the 30 days. There was no signature by me. Per the attorney, they must cease and desist all collection attempts including reporting to the credit bureaus. I filed disputes with all three credit bureaus on XX/XX/XXXX with the letter from the attorney, and my removal request was denied stating the debt is valid and updated. The debt collector did not comply with the attorneys request furthermore, the " apartment complex '' violated the lease agreement when refusing to repair while I was a tenant and charged me for items that by law can not be charged. I need this matter resolved and removed from my credit.
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| 02/01/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I was contacted by XXXX XXXX @ national credit systems about debt from an apartment complex where I use to reside. I was unaware of the debt. XXXX was very argumentative. She wanted to know my credit card number. I had no idea if this was a real or a scam. She said well just XXXX it then. She refused to help me understand. she kept talking over me and then hung up. I called back and asked to speak to her manager who is XXXX at ext XXXX. XXXX explained everything to me including a break down of the payments. However, I still was unsure if this was a real company or not. XXXX said I was entitled to a copy of the lease to which I never received. I did, however, receive an itemized list of the bill. I was shocked at the charges. I made a second call to XXXX and told her I wouldn't pay for several of the charges because I had in writing from the manager the apartment would pay for portions of the debt. XXXX stated I would have to send all evidence to the PO BOX address. I told her I would make an Initial payment of {$2500.00}. I asked her what the payments would look like after that. She stated it was about {$300.00} and something per month. I said no way I could pay that much. I just had a baby and I was on maternity leave. She said ok and transferred me to XXXX x XXXX. We talk and we agreed on 2- {$100.00} payment per month with an initial payment of {$2500.00} paid that day. She asked me to call her the following Monday because i was at work and couldn't talk. Monday rolls around and she gives me the email address for my dispute documents. I went home and sent 5 emails. One email had a list of the disputes and why. The remaining 5 had additional documentation and video supporting the dispute. XX/XX/XXXX a letter was sent stating because I hadn't set up a payment plan they reported me to the credit bureaus. They threaten to sue me, garnish my wages bank levies, and property liens.
( These conversations I recorded ) I called back was sent to XXXX who wrote me the letter. I told her I didn't understand I made a payment and followed the rules. She sent me to XXXX stated she would take me off the bureaus reporting list and add the payments XXXX and I agreed on. XXXX states the emails wouldn't work and that that complex had 30 days to respond. I was then transferred to XXXX. Of course, the call dropped at this point and I had to call back ( still recording ). XXXX refuses to answer my questions. He won't tell me if the emails were sent as part of the dispute, why my account wouldn't let me in, and why I can't get a straight answer. He states its federal law to turn my account over to the bureau because I chose to dispute the charges. He states the dispute was submitted on the XXXX ( so that would have to be in XXXX ) before the documents were sent. I well past 30 days and I have heard anything from anyone. I've tried to do the right thing, but I didn't know about the debt. I didn't receive a copy of the lease. I was told in writing i was signed off the lease and do to ungodly circumstances we were told we couldn't go in the office at the complex.
I received an additional letter. They reported the debt with the 3 main credit bureaus. I file a report with equafax only. The debt was reported but taken off. They are damaging my credit despite up to date payment.
Debt amount {$3900.00} account number XXXX
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| 02/23/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Servicemember |
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XXXX XXXX Florida. My wife and I learned while living there of this company 's unusual practice during departure walk-through with the Apartment Manager and staff.
Their practice was to lift up the carpet, point to a stain, then claim the renter had made the stain. Usually claimed due to pets, no matter whether the tenant had pets or not.
In anticipation of such behavior, my wife photographed the Apartment Manager and assistant as they conducted the walk-through. They pulled the carpet up in all rooms and wrote on their Departure Walk-through Form that there were no stains or damage from pets or anything else.
We were provided a copy of the Departure Walk-through Form for our records. We were told our {$300.00} deposit would be sent to our new address. We turned over all keys and gate access codes we had in our possession, thereby effectively no longer having access to the apartment.
One week later, a different Apartment Manager sent us a demand letter for {$900.00} ( keeping our {$300.00} deposit ) where the carpet replacement company had written an estimate which said " carpet is XXXX soaked throughout ''.
I replied by asking who they had allowed into the apartment after we relinquished control? We had photos of them taking photos as they pulled up the carpet in each room as mentioned above. I also reminded the new Apartment Manager we already had a completed Departure Walk-through Form which indicated no damage.
There was no response for a couple of weeks, then we began to receive demand letters from Post Bay Apartments for {$900.00} to replace the carpet.
My wife and I then retained a lawyer to ask for some evidence to support their claim. They never responded to the lawyers letter. They subsequently sold the debt to another company, National Credit Systems.
A representative from National Credit System called me on the phone once, at which time I requested proof, any legal proof, of the debt. They declined, and entered a derogatory entry on my credit. Following that initial call they would not return phone calls nor would they respond to letters sent through the mail.
The cost of hiring a lawyer to correct the issue was more than {$1500.00}. My wife and I decided we would wait until we were denied a mortgage or similar loan request, due to this fake debt. Nothing happened despite two mortgages closing.
So, this past XXXX I wrote to all three credit agencies informing them the debt was unsubstantiated. I received responses from all three that m dispute had been recorded, but they were not going to remove the fake debt.
My wife and I are once again applying for a VA backed mortgage. The Loan Officer contacted me on the phone and she informed me how the dispute must be removed before and loan initiation process could start.
I was unaware of the CFPB. She said that one of the purposes of the CFPB was to address issues just like mine.
We have documentation and pictures as well as letters written on our behalf by a lawyer in XXXX.
We do not have is any proof that supports the debt. Nor do they. Only their assertions. It is now obvious to me that if I do n't pay them their ransom money, I cant buy our new house. Its like credit report blackmail.
I was told by the loan officer for my new house that the CFPB was created for just such situations as I have found myself in.
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| 11/13/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX I moved into an apartment at XXXX XXXX XXXX XXXX XXXX. It was in the lease that if I moved out before a year there would be x amount of charges to be paid to end the lease dependent upon the date of termination. In XX/XX/XXXX I received an opportunity to move into a much larger home for the same price. I contacted the office and set an appointment to speak with someone about terminating the lease early. We met and agreed upon prorated rent for XX/XX/XXXX plus 2 additional months rent to meet 75 % of the payments agreed in the lease. I purchased a money order for XXXX and agreed to be out by XX/XX/XXXX. XX/XX/XXXX, the locks were changed with a good portion of my belongings still in the apartment. These items were extra clothes, cleaning supplies, food, and home decor. I went to the apartment after hours so I left a voicemail. The message said I would receive a response within 2 business days. I worked the hours that they were open for business. On XX/XX/XXXX, the third business day, I called the office to see what was going on since I had agreed to have my stuff out on the XX/XX/XXXX. The woman said the office manager had to handle it and she was out of the office but she assured me I would get a call by the end of the day. I never did. I called off work for the morning of XX/XX/XXXX to go to the office. The manager was not there again. However the wan who was working said the manager left a message that we had only agreed to be there until XX/XX/XXXX and that we also had to pay the remaining 25 % rent as well as the locksmith fees. I asked for a master 's number or the corporate location information. I was told that information isn't allowed to be given out and the only way to receive my belongings was to pay {$3000.00}. At the time, I had just started a new job a was still settling into my new home. I took the nelomgomgs as a loss since they were necessities and decided to pursue the issue on a corporate level. Calls went unreturned, I was bounced between voicemails, emails, and points of contact that were supposedly in charge of " those issues ''. Eventually, I received a call from a secretary with an out of state zip code that informed me that the debt had been sold to a collection agency and it was out of their hands. National Credit Systems placed a collection account on my credit for {$3300.00} in XX/XX/XXXX. I contacted the collection agency directly to inform them of the situation. They stated there was nothing that could be done besides paying the balance in full or settling on payments or a different lump sum amount. If o chose the latter there would still be a derogatory mark on my credit on all 3 credit bureaus. I have been disputing this with the collection agency since then to no avail. I have contacted lawyers who said it was civil and I could pay out of pocket to go to court, but that hasn't been something I am able to afford time or money to as of yet. The most recent lawyer directed me to the CFPD to file a complaint on the company as well as the collection agency I'm regards to the false debt and the actions of the company. I strongly believe they treated me the way they did solely due to my age. I was young, naive, and vulnerable and they manipulated this to their benefit. This has caused long term problems for me in many different ways.
|
| 11/11/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX I moved into an apartment at XXXX XXXX XXXX XXXX XXXX. It was in the lease that if I moved out before a year there would be x amount of charges to be paid to end the lease dependent upon the date of termination. In XX/XX/XXXX I received an opportunity to move into a much larger home for the same price. I contacted the office and set an appointment to speak with someone about terminating the lease early. We met and agreed upon prorated rent for XXXX of XXXX plus 2 additional months rent to meet 75 % of the payments agreed in the lease. I purchased a money order for XXXX and agreed to be out by XX/XX/XXXX. XX/XX/XXXX, the locks were changed with a good portion of my belongings still in the apartment. These items were extra clothes, cleaning supplies, food, and home decor. I went to the apartment after hours so I left a voicemail. The message said I would receive a response within 2 business days. I worked the hours that they were open for business. On XX/XX/XXXX, the third business day, I called the office to see what was going on since I had agreed to have my stuff out on the XXXX. The woman said the office manager had to handle it and she was out of the office but she assured me I would get a call by the end of the day. I never did. I called off work for the morning of XX/XX/XXXX to go to the office. The manager was not there again. However the wan who was working said the manager left a message that we had only agreed to be there until XX/XX/XXXX and that we also had to pay the remaining 25 % rent as well as the locksmith fees. I asked for a master 's number or the corporate location information. I was told that information isn't allowed to be given out and the only way to receive my belongings was to pay {$3000.00}. At the time, I had just started a new job a was still settling into my new home. I took the nelomgomgs as a loss since they were necessities and decided to pursue the issue on a corporate level. Calls went unreturned, I was bounced between voicemails, emails, and points of contact that were supposedly in charge of " those issues ''. Eventually, I received a call from a secretary with an out of state zip code that informed me that the debt had been sold to a collection agency and it was out of their hands. National Credit Systems placed a collection account on my credit for {$3300.00} in XXXX of XXXX. I contacted the collection agency directly to inform them of the situation. They stated there was nothing that could be done besides paying the balance in full or settling on payments or a different lump sum amount. If o chose the latter there would still be a derogatory mark on my credit on all 3 credit bureaus. I have been disputing this with the collection agency since then to no avail. I have contacted lawyers who said it was civil and I could pay out of pocket to go to court, but that hasn't been something I am able to afford time or money to as of yet. The most recent lawyer directed me to the XXXX to file a complaint on the company as well as the collection agency I'm regards to the false debt and the actions of the company. I strongly believe they treated me the way they did solely due to my age. I was young, naive, and vulnerable and they manipulated this to their benefit. This has caused long term problems for me in many different ways.
|
| 09/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
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On or about XXXX/XXXX/2015 I contacted National Credit Systems Inc. and spoke with XXXX XXXX at XXXX Ext. XXXX concerning XXXX or XXXX debts of the same account that appeared on XXXX public credit reports. I questioned the validity of the debts and the amounts owed. XXXX XXXX PROMISED to mail, to my home address which I provided during the conversation, an official document detailing the amounts owed, the original creditor and a statement guaranteeing that the debt amount would be updated on XXXX credit reports if I paid in full. XXXX XXXX explained that this was an attempt to collect a debt and any information obtained would be used for that purpose. I was told the document would be mailed within a few days. Today, XXXX XXXX, 2015, I viewed XXXX public credit reports and noted that the last reported date had been changed from XXXX/XXXX/2011 to XXXX/XXXX/2015. Instead of providing me with an official document or notice that the debt was owed, National Credit Systems Inc. updated their data with XXXX credit reporting agencies as an malicious attempt to place negative data on my credit report for an additional 7 years. The original negative information was scheduled for deletion approximately less than 1 year from the date that I called them to resolve the matter. I have contacted the original creditor prior to contacting National Credit Systems Inc. and was told that they no longer own the debt. My contract is with the original creditor, XXXX. I have no contract with National Credit Systems Inc. and they refuse to provide with any documentation to support their claim of ownership or purchase of the debt. In good faith I was attempting to resolve this matter. I provided my name, address, SSN, date of birth, employer, and both cell phone and home telephone numbers.
The debt itself is misleading as it appears on XXXX public credit reports. It is documented as owing {$500.00} and then {$3600.00}. There is a third entry showing an amount owed of {$4100.00}. Per XXXX XXXX of National Credit Systems Inc., the full amount owed is actually {$4100.00}. My interpretation based on the manner the debt ( s ) are documented is that I owe someone, a total of {$8200.00}. In my opinion, considering the amount that this collection agency claims I owe them for debt that they intercepted from the original creditor, a letter or formal communication of some sort is not an unreasonable request. If I request an email or regular mail statement in an attempt to pay a debt, there is no reason for the creditor to penalize me and ruin my credit for an additional 7 years. I called them. According to XXXX XXXX, " we had no way to contact you and the debt would have disappeared within months ''. The tactics used by National Credit Systems Inc. appear to be malicious and unfair in nature in terms of making promises and not following through as well as and most importantly not providing PROOF and descriptions identifying themselves as the actual debt collector and owner. If I had paid in full National Credit Systems Inc. on or about XXXX/XXXX/2015, there would not have been any guarantee that at a later date the original creditor or some other collection agency would not have contacted me claiming ownership of the same debt and demanding payment, therefore starting the process over again.
|
| 06/03/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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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 Systems INC 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 Systems INC must herein provide a true and certified original copy of the complete audit trail under penalties of perjury of said account, pursuant to 15 USC 1692g of FDCPA. Furthermore in order for National Credit Systems INC to validate this debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P, IFRS, in accordance with XXXX 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 National Credit Systems INC. Providing that National Credit Systems INC is the holder in due course of the original debt contract and a certified original copy of your Tax Registration Certificate.
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.
( XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) ( XXXX Am XXXX sect. XXXX ) & XXXX v. XXXX XXXX XXXX ) Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. 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 ( 15 ) days.
Notice To Agent notice to principal All Rights Reserved Without Prejudice U.C.C 1-308
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| 09/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
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Date : XX/XX/XXXX Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX, XXXX, GA XXXX SSN : XXXX D.O.B : XXXX XXXX Contact : ( XXXX ) XXXX XXXX Re : Disputing Inaccuracies on My Credit Report XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX Original Creditor : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX Phone : ( XXXX ) XXXX To Whom it May concern : I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. It is inaccurate because I've been contacted by your company about a debt you allege, I owe several times from NATIONAL CREDIT SYSTEMS Collections Account with no Account Number. This Collection account is reporting not only as Open on all accounts, but also shows a past due balance of [ {$480.00} ] In addition, the furnisher must notify all CRAs that received the information of any corrections and must thereafter report only the complete and accurate information. Section 623 ( a ) ( 2 ) and Section 623 ( a ) ( 3 ). According to the FCRA, I have the right to an accurate credit report. Please remove this account immediately from my credit report. Please provide me a copy of my new credit report reflecting this account removed upon completion. This rule revises Regulation F, 12 CFR part 1006, which implements the Fair Debt Collection Practices Act ( FDCPA ), The Bureau 's final rule addresses, among other things, communications in connection with debt collection and prohibitions on harassment or abuse, false or misleading representations, and unfair practices in debt collection. This rule is effective XX/XX/XXXX. Please reinvestigate this matter and delete the disputed item as soon as possible. 15 USC Section 1681i ( d ) requires that you notify me when the items have been deleted. please send me the names and addresses of all individuals you contacted so that I may follow up with them directly 681.1 Duties regarding the detection, prevention, and mitigation of identity theft. ( a ) Scope. This section applies to financial institutions and creditors that are subject to administrative enforcement of the FCRA by the Federal Trade Commission pursuant to 15 U.S.C. 1681s ( a ) ( 1 ). A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within four business days and to promptly notify the furnisher ( s ) of that information. Be advised, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g et seq. of the Fair Debt Collection Practices Act ( FDCPA '' ). At this time, please provide debt validation in the form of agreement, an original bill, and a detailed statement of procedures is required, if any. Please provide a breakdown of fees, including any collection costs and medical charges, if any. 3. Please provide a copy of my signature with the provider of service to release my medical information to you. Please provide a report of comparative analysis between the dubious signature and the signature recognized by the alleged signer, if any. Finally, please provide an affidavit signed under Penalty of Perjury that your organization has not violated any portion of the FCRA, FDCPA.
Sincerely, XXXX XXXX XXXX
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| 02/11/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dear Consumer Financial Protection Bureau, I am contacting you about a Collection account that I have because of the lies of my ex roommate. I tried to dispute the collection with all 3 credit companies, but only XXXX proceed with my complaint, I really hope to get justice and remove this collections from all my accounts.
Everything started when the COVID-19 hit and I started working remote from my room. My ex-roommate- XXXX XXXX made sure to make my life intolerable by singing, putting loud music at night ( after XXXX am ) and smoking. Not only I, but also our neighbours were complaining to the apartment complex managers. I have proof of many emails I received from XXXX XXXX stating there are complaints of noise and smoking coming from our apartment. I talked to XXXX several times, asking not to make noise after XXXX, as I needed to wake up early and work, but after that she continued same way she did before. After 2 months of sleepless nights, I couldn't take it any longer, so I called XXXX XXXX apartment complex and told me I was leaving and needed to sign my name off the lease. XXXX denied my request, stating XXXX would need to find another roommate. XXXX immediately refused to get another roommate and told me to leave reassuring the plans to live in that complex another year. Trusting XXXX was my biggest mistake. After 4 months she told me she's getting married and leaving XXXX. She asked me to sign my name off the lease, which I did, and once again reassured me she would pay the whole lease cancellation and I don't have anything to worry about.
XXXX was an irresponsible payer from the very beginning. I started received calls and emails from XXXX every month, saying she doesn't answer the calls or proceed with the payments. Each time I would contact XXXX and she would tell me she is about to pay. Shortly after, she started manipulating me to pay, threatening it would go to collections and harm my credit score. Back then, I had already lost my job due to COVID and was living on my saving, but I never wanted to have my credit ruined so I told XXXX debt collector, that I am eager to pay my half and have my name out of that debt. The debt collector didn't accept my offer, so I was powerless to do anything. XXXX XXXX didn't keep her word and stopped paying and the case was sent to collections.
I am writing to you hoping you can understand the unfairness of the whole situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since the very beginning, I was very responsible with all my payments and in a short time all my credit reports became excellent. My only and biggest mistake was trusting a person who totally let me down. I also feel very disappointed that from the very beginning XXXX wouldn't let me sign my name off the lease, although they knew I had difficulties living with my roommate.
Also, please find attached the screenshots of the noise/smoking complaints from XXXX, my complaint to Florida Department of Agriculture and Consumer Services and , of course, XXXX XXXX XXXX endless lies and manipulations.
Please kindly consider my complaint, I literally don't know what else I can do to deal with this injustice.
Thank you for your understanding.
Regards, XXXX XXXX
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| 05/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Dear national credit systems.
Dear XXXX XXXX XXXX
Despite several attempts made by me the consumer XXXX XXXX, there has been no response from you.
In the interest of accuracy, Both me consumer, XXXX XXXX and consumer XXXX XXXX, are sending you a joint request to satisfy our federally protected rights under the U.S CODE - laws listed below.
I XXXX XXXX, consumer and natural person, am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ), the collection agency listed -National Credit Systems and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under, 15 U.S.CODE 1681 section 602 ( a ) states I have a right to privacy.
15 U.S.CODE 1692 ( C ) ( a ) communication in connection to debt collection 15 U.S.CODE 1692 ( b ) acquisition of location of information 15 U.S.CODE 1692 ( d ) harassment and abuse. ( national credit systems has called and left 4 voicemails, one of which was yesterday from your attorney- looking for me XXXX XXXX ) 15 u.s.CODE 1681 c ( 2 ) information resulting from identity theft. ( under federal law both XXXX XXXX XXXX XXXX and national credit systems, have committed an identity theft by sharing information with third parties.
I XXXX XXXX, ,consumer and natural person, am aware of all rights that I have and which are protected by Congress under the Fair Credit Reporting Act ( FCRA ), the collection agency listed -National Credit Systems and XXXX XXXX XXXX has violated my federally protected consumer rights to privacy and confidentiality under, 15 U.S.CODE 1681 section 602 ( a ) states I have a right to privacy.
15 U.S.CODE 1692 ( C ) ( a ) communication in connection to debt collection 15 U.S.CODE 1692 ( b ) acquisition of location of information 15 U.S.CODE 1692 ( d ) harassment and abuse. ( national credit systems has called and left 4 voicemails, one of which was yesterday from your attorney- looking for me XXXX XXXX ) 15 u.s.CODE 1681 c ( 2 ) information resulting from identity theft. ( under federal law both XXXX XXXX XXXX XXXX and national credit systems, have committed an identity theft by sharing information with third parties.
Please be advised you have a maximum of15 days to remedy these violations or, both companies will be in default.
Unless you both want to be responsible for each violation from each consumer, at {$1000.00} per violation per consumer and the actual damages caused by you both. ( actual damages are in the thousands due to the fact that both consumers have been denied credit and high interest rates were applied on accounts that were approved. ) We have attempted to cause you to do the right thing on several occasions but you keep breaking the law.
Please be also advised that you will be liable for 15U.S.CODE 1681 n - civil liability for willful noncompliance.and 15U.S.CODE 1681 o - civil liability for negligent noncompliance, unless you delete the collection account on both XXXX XXXX and XXXX XXXX XXXX credit report within 15 days or you will receive the '' AFFIDAVIT OF TRUTH LETTER '' with all the bill of particulars which will end up in ARBITRATION if you do not remedy what was requested in this letter.
Sincerely, XXXX XXXX Sincerely, XXXX XXXX
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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National Credit Systems on behalf of XXXX XXXX XXXX is attempting to collect a debt in the amount of {$4100.00}. This debt amount is incorrect due to XXXX XXXX attempting to collect double rent. I broke the lease at XXXX XXXX due to mold growing in the apartment and the hot water being out for more than a week. Maintenance was not responsive and it was causing my families health to deteriorate. XXXX XXXX agreed and I paid a lease buyout fee. XXXX XXXX is denying this ever happened stating they dont have a lease buyout program. In addition to this, another tenant moved into the apartment the month after I left which was XX/XX/XXXX. My stepfather began working XXXX at the apartment to help out and we both seen another family living in the unit that I previously resided in which was XXXX XXXX XXXX, XXXX XXXX. The apartment community is attempting to collect double rent on the same unit by charging me for the remainder of the lease and charging the individuals that occupied the unit after me which is against the law since the company mitigated their damages by me breaking the lease. I opened a dispute the collection agency on XX/XX/XXXX. The collection representative, XXXX XXXX advised me that they have 30 days to complete the dispute. There have been no updates as of XXXX XXXX. I spoke with Mr. XXXX on XX/XX/XXXX and he intentionally gave inaccurate and misleading information over the phone. He stated that there is no timeframe that they have to make a decision and that he can not give me a timeframe and then preceded to end the line mid conversation after I respectfully asked for the information from him. He denied me the information and update regarding my dispute and continued to speak over me when I asked for the information. After this issue, I received another email attempting to collect the debt before the dispute is closed. The company also collected {$1200.00} from me at the beginning of the dispute because they stated it made my word more liable and that they determination would sway in my direction. I was unaware that debt collection agencies should not attempt to collect debt if there is a dispute in process. This has been a very stressful and emotional process due to me being in the process of trying to find a home. I was denied an application due to this incorrect reporting and the collection agency has been reluctant to process this information in a timely manner as required by law. In addition, I opened a dispute with XXXX and they closed the dispute prior to the collection agency closing their dispute. I am not sure how XXXX could validate the debt prior to the collection agency validating the debt with the creditor and the deadline for XXXX to make a decision did not approach before the collection agencys deadline. The biggest issue is the fact the collection agency is attempting to collect double rent instead of accurately updating my file. They are not following debt collection laws by continuing to attempt to collect debt while it is in dispute. The collection representative XXXX XXXX was very rude over the phone when I was nothing but, polite and understanding. He was not willing to listen and became very aggressive over the phone when I just wanted to get information pertaining to my credit.
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| 06/14/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Prior to moving out of my old rental on XXXX with written notice I was going back and forth with my property manager ( XXXX XXXX ) and my HOA ( XXXX XXXX XXXX ) because when I moved in I paid my first months rent, my last months rent, and a security deposit and apparently the HOA held on to my last months rent and switched managers and could not find my last months rent. ( I moved into the property on XX/XX/XXXX and always paid my rent on time and maintained my home and had no issues with my HOA. ) I went back and forth between the property manager and the HOA about what was going on with my last months rent. The property management seemed understanding and knew what was the issue because we had been in communication with myself and the HOA on a regular basis up until my move out date got closer. They called me and we set up a walk through for XXXX and I was told that it was normal wear and tear and they even sent me an email saying they were going to use my security deposit for my last months rent until the HOA figured things out which I agreed too. THEN ... i got an email saying they were not going to use my security deposit back because I left a bulk pick up on the side of the road that I had arranged with the city to pick up and the property manager and HOA were aware as I gave them the confirmation # and called regularly asking the city for a status, which the city confirmed they indeed picked up. They must have been getting heat because the owners probably wanted their last months rent which I agree with however I had already made the payment and it reflected on my lease and my account statement. Then they told me if I did not pay my last months rent they were going to send me to collections. The HOA still has no clue where my money is. So now I get a letter in the mail from National Credit Systems saying they are going to send me to collections for XXXX on behalf of XXXX XXXX unless I contact them for a solution. I contacted them and explained everything to them and that I am the one owed money because not only are they trying to make me pay my last months rent again but they are holding my security deposit from me in retaliation. I requested them to send me an accounting ledger in which they said they could only mail it to me, which they never did! Yesterday I got a notification that they submitted XXXX in debt to all 3 creditors. Not to mention but I have my calls recorded so they can not deny the conversation. They did not work with me in resolving this issue and I was unfairly reported to creditors out of pure retaliation. I'm a fair person, single mother, I have 2 kids that I take care of that are not mine from the State of Florida, I'm a full time employee and student and it is not right that people think they can do these things to people. The only time I did not pay debt in my past is when I left an abusive relationship and my life and my children meant more than my bills. I have moved on beyond that and the property manager XXXX XXXX and National Credit Systems are 100 % wrong. At the end of all this I am the one that is owed money and they are trying to put $ 13,000+ on my credit which does not even come close to anything I could possibly owe them even if I had not paid my last months rent.
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| 11/26/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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Filed against : National Credit Systems , Inc .
XXXX XXXX XXXX GA XXXXComplaint Description : The National Credit Systems , Inc. states that I owe on account # XXXX a total of {$3600.00}. The account in question is from an apartment that had an agreement terminated XX/XX/XXXX. I discovered this debt by checking my credit report and inquiring about it. On my credit it shows as debt owed beginning XX/XX/XXXX, however it should be changed to the correct date of XX/XX/XXXX. No attempt has ever been made to reach me regarding this debt that began XX/XX/XXXX. I had cosigned for an apartment for a friend of mine and was never notified of the failure to pay a debt. The person who rented the apartment, informed the apartment management that she was unable to afford the apartment and that she would be terminating the agreement early. She was told that if she left within three days that she would only be charged the early termination fee of {$2400.00} and no other fees. She left within three days per their agreement and made an arrangement to pay {$100.00} per month until the debt was paid off. In addition to the deposit on the apartment that paid off {$220.00} toward the termination fee, she made one payment of {$100.00} XX/XX/XXXX and did not make payments afterward. Once I found out about my credit score I called National Credit Systems to resolve issue. They state that instead of the {$2400.00} ( minus the {$100.00} payment and the {$220.00} deposit ), we also owe {$1200.00} for less than 60 day notice, pro-rated rent at {$32.00}, {$180.00} for cleaning charges, {$3.00} in damages, and {$19.00} in water/sewage which brings us to a total of {$3900.00} ( minus the {$220.00} deposit ). We should not have to pay the {$1200.00} for not giving 60 days notice as the arrangement with management was to leave within 3 days to avoid these charges, and she met that arrangement. In addition to the complaints, I have contacted this company and was met with extreme hostility. They yell over me when I merely ask questions regarding this debt which is news to me. They hang up on me frequently. They are rude, condescending, and insulting. At this point, when I call them they simply put me on hold until they eventually hang up on me. The company agreed to consider the debt settled at XXXX % ( {$2500.00} ), and yet when I asked for that agreement to be made in writing prior to payment, they refused saying that I must take their oral agreement and nothing else. I do not trust them to keep their agreement without seeing something in writing. To reiterate, I would like National Credit Systems , Inc. to provide to the three credit reporting agencies the actual beginning date of this debt XX/XX/XXXX and not XX/XX/XXXX that they reported previously. I would also like the agreement they made with me at considering this debt settled at XXXX % to be put in writing prior to payment.
Desired Resolution : I would like National Credit Systems , Inc. to provide to the XXXX credit reporting agencies the actual beginning date of this debt XX/XX/XXXX and not XX/XX/XXXX that they reported previously. I would also like the agreement they made with me at considering this debt settled at XXXX % to be put in writing prior to payment.
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| 12/24/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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National Credit Systems, Please supply the following information in entire detail : >Why you think I owe the debt, and to whom I owe it, including : >The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. >If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I potentially can know them, if that is different from the official name. In addition, tell me when the Current creditor obtained the debt and who the present creditor obtained it from. >Provide verification and documentation ( retail installment contract etc. ) that there is a valid basis for claiming that I am required to pay the debt to the extant creditor. >If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. The amount and age of the debt, specifically : >A copy of the last billing statement sent to me by the original creditor. >If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other charges are expressly authorized by the agreement creating the debt or are permitted by law. >If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. >If there have been any other changes or adjustments since the last billing statement, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. >Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. Due Diligence and Rights to Collect : >If you fail to provide any of the info or documentation I have asked for, please say why. If you do not provide it, and do not adequately explain why, I will understand that you are unable to confirm or catalog your claims. >I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. >If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license.
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| 06/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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The original creditor, XXXX XXXX XXXX XXXX maliciously reported a fraudulent account to National Credit Systems XX/XX/2013. XXXX XXXX and I ( XXXX XXXX ) moved out XX/XX/2013.
On our move out date the ledger proves that not only was there a XXXX balance with XXXX XXXX XXXX XXXX but we never missed a payment or was late and we also received our deposit back from them.
We did n't have the best relationship with their staff, mind you, they were very rude people and treated residents as if we were inferior.
4 months later XXXX XXXX XXXX, who has managed XXXX XXXX XXXX XXXX for the past 4+ years, reported that XXXX and I allegedly owed {$550.00}. Because XXXX and I have lived in the same place for the past 3 years, we had no clue that this was even on our credit until we were denied an apartment home recently.
I visited XXXX to pull my record and ledger to have them fax it over to National Credit Systems. XXXX ( XXXX XXXX XXXX ) informed me in person that they had no record of me ever living there but it was a joint account and she could pull up XXXX 's. NOTE : They deleted me from the account because we had a dispute. XXXX ( office manager ) would not print anything with my name until I brought the lease the next day that they lied and said they did n't have. However their corporate office insists that they do on recording.
Once the lease was presented, she then faxed a letter head to NCS stating that they had no rental history on record for XXXX XXXX to National Credit Systems. XXXX and I still have the lease we signed. National Credit Systems also has this lease ( they use as validation of alleged debt ) because it was sent to them by XXXX.
Since XXXX would not grant me anything in writing stating that I lived there and did n't ever owe a balance, this was not sufficient enough for the debt collector ( National Credit Systems ) to delete the file. The ledger showing XXXX balance was also not enough. XXXX XXXX of NCS insisted that XXXX was under " NEW '' management although they are not. He explained that because they are allegedly under new management, this is why they do not have my old records. However, XXXX 's name is still on the account there from when we lived there. My name is the only name deleted although it is on the lease.
XXXX XXXX of National Credit Systems was very rude and wanted to loudly speak over me anytime I tried to explain this. When I decided that I no longer wanted to speak with this person, they continued to transfer me to him and he changed his name to XXXX XXXX as if I did n't realize I was speaking to the same person.
He lied on his XXXX report stating that they are not XXXX in the same because he knows that he broke the FDCPA but they are the same. " XXXX XXXX '' had me send an email to XXXXXXXXXXXX, which is XXXX XXXX work email. I have both the email that was sent and the phone call was recorded.
XXXX XXXX XXXX at XXXX has lied exceedingly to cover this up. XXXX XXXX aka XXXX XXXX at National Credit Systems is also going through great lengths to keep this on my credit as well. I have a meeting with my attorney in the morning and will be pursuing further legal action against both parties in their administrative and personal capacity.
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| 05/14/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I completed my obligations and arrangements made with an apartment community ( Side Note : this community was poorly managed, run down on the inside with mold, roaches, water leaks, along with several other safety concerns and issues. They would say they came in and fixed issues while I was working during the day but the leaks, mold, and several other issues were still there when I would return. This was not a livable habitat nor legal, but I still stayed and paid my rent for fear of retaliation. I was in constant contact with the office, as well as having to physically go into the office to pay rent every month. They did not accept credit card payments in office, online payments of any kind, have a drop box, etc. The office was open at random times, never during their posted hours, and they would constantly charge me additional 'late fees ' due to no one being in the office to accept my rent on the first of the month ). They knew the day I was moving, we discussed it, and it was about 1-2 weeks earlier than the lease officially ended. They we're fine with it and changed my listed move out date with no problems. This was NOT a lease termination or eviction, and I was told there would be no 'termination fees ' associated with moving out.
Months later, I check my credit and see a collection account that was sold to an attorney/collection company. This collection included trumped up, fake charges like 'lease termination ', 'damages ', and other unethical charges. They had ALSO kept my move-in deposit without communicating with me after the move, nor at the time we discussed it. This deposit was 1 full months rent plus the utilities they include in rent ( {$930.00} ).
I NEVER received any notice of collections until I noticed it, and disputed this fraudulent debt. After I disputed, an attorney/collector sent me some papers from them and the former apartment community. These papers are just copies that have these fraudulent charges added to them. That is the only response I get, are these copies that were randomly created after I moved out. Although anyone can create paper work, edit a pdf by adding extra content to the paragraph body, or signature, which is extremely troubling ; I contacted the collection agency, I wrote them a letter, and I left them a message. I stated how ridiculous and troubling this collection was to me, and that I was even willing to pay the remainder of the month I moved out ( I offered {$400.00} for about 15 days ) to make this go away. I have not heard back via email, letter or message, and now I just need this removed and fixed please. This has to be taken care of ASAP, because I have to find a place to live for me and my children. My current lease is expiring next month and the home is being sold.
XXXX and XXXX have since removed the debt from my report I believe, but XXXX ( there document upload service NEVER works on the APP, and they will not let me dispute again ) has not, and refuses to actually listen to what's happening and remove this. It is hindering me from being able to shelter my children, and rent a home or apartment for us to live in. I have no one else to help me, and this feels like a gross injustice.
Please assist.
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| 08/29/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I lost my job during the Pandemic 2022, my rent was paid for several months. I was awarded {$18000.00} from XXXX XXXX from the Federal Government allocated funds. National Credit System is stating that I owe their company {$3100.00}. My rent was paid in full, and I asked National Credit Systems to provide me with a contract with their company of my wet signature stating that I owe them {$3100.00}. To no avail have they supplied me with a contract I have with this company. Also, my rent was paid for the remaining of the year in 2022. I moved in XXXX, and I can upload my new lease and the approval of rent being paid with the pandemic relief funds in 2022.
Approved : XXXX XXXX XXXX - Case ID XXXX Inbox Search for all messages with label Inbox Remove label Inbox from this conversation XXXX, XXXX XXXX Thu, XX/XX/2022, XXXX to me, XXXX Dear XXXX XXXX : Congratulations XXXX You have been approved for the XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Your approved Program Application has been forwarded to the payment processing. Payment shall be in the form of a mailed check, which will be sent directly to the Landlord, and/ or utility company, if applicable.
Landlord Payment : {$18000.00} Per federal requirements, the Program may only award assistance through Thursday, XX/XX/2022. Please note that, if you are approved for prospective rent assistance in the month of XX/XX/2022, your assistance will be prorated to exclude XXXX XXXX.
You are encouraged to download and print your Program Application for your records and reference regarding the terms and conditions to which you and your Landlord agreed in order to be approved for Program funding. Such documents are currently available for download and printing on the online portal ( Neighborly ) and shall continue to be available for at least 30 days from your receipt of this approval email. ( It is recommended you download these documents for your records ).
We understand the urgency of your housing situation, especially during these challenging times. If you wish to appeal, please fill out an Appeal Form which can be found under Forms and Resources on the XXXX XXXX XXXX XXXX XXXX XXXX website ( XXXX XXXX XXXX ) and email your completed form and all supporting documentation to XXXX. You have the option to appeal your approved funding amounts within fifteen ( XXXX ) business days from the date of this determination regardless of receipt of funding.
Each award determination may receive one appeal review. After a final ruling has been determined, your file will not be reviewed again under the appeal process. Program policies and federal requirements may not be appealed.
If you have any questions, please contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Sincerely, XXXX XXXX XXXX XXXX XXXX Wed, XX/XX/XXXX, XXXX to XXXX Hello XXXX XXXX my name is XXXX XXXX, I once received assistance due to the Pandemic. I am no longer working due to the pandemic. I am currently under an eviction I was told by the XXXX XXXX XXXX to email you in reference to this matter. If, I qualify for any additional assistance can you please let me know. My cellphone number is ( XXXX ) XXXX.
Respectfully yours, XXXX XXXX
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| 08/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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NATLCRSYS {$860.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT US DEP ED {$1200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT US DEP ED {$1200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$210.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX {$990.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$1100.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$210.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$1900.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX XXXX {$6900.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXXXXXX XXXX posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXXXXXX XXXX {$30000.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX {$4900.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXX posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT US DEPT OF ED XXXX / XXXX posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT US DEPT OF ED XXXX / XXXX posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT NATIONAL CREDIT SYSTEM posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT National Credit SysXXXX {$860.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX {$990.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX CRED {$210.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT XXXX XXXX XXXXXXXX XXXX {$500.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT US DEPT OF EDU {$1300.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT US DEPT OF EDU {$1200.00} posted on XX/XX/XXXX CREDIT REPORTING FOR OVER 7 YEARS GOES AGAINST FAIR CREDIT REPORTING ACT ALSO A FRAUDULENT ACCOUNT I file an FTC report.
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| 10/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I accepted a call from XXXX XXXX a debt collector at XXXX XXXX XXXX. He stated he was attempting to collect a debt from me for an apartment in Missouri that I failed pay. I informed Mr. XXXX that I have lived in my XXXX apartment for the past 3 years. I informed Mr. XXXX that I have never even visited the state of Missouri and I believed he was reaching out to the incorrect party. I asked him to provide a lease or documentation with my signature he was unable to do so and informed me that not how the process works. He told me he would work directly with the Apartment and was awaiting further documentation. I contacted Mr XXXX several more times but unfortunately he did not have further information. A month goes past and I hear nothing from National Credit Systems or XXXX XXXX. Fast forward and I am on vacation in XXXX and I received a notice from XXXX that a negative alert has been placed on my score from National Credit Systems. I immediately called Mr XXXX and reminded him that Id been waiting on documentation and I was infuriated that this hit my FICO and XXXX credit score as I had clear proof and evidence that this was not me! Finally he provided a document from the apartment complex in Missouri and stated that another XXXX with a different social lived in the complex but it was not me! Mr XXXX stated that since I had a prior incident with National Credit Systems that instead of debating with him I needed to pay my bills and stop trying to evade! The prior incident was due to a roommate who stayed in an apartment after I moved out and the roommate payed the balance! This situation has nothing to do with current incident and he never fully investigated as he believed I was guilty. I was so angry that a debtor would speak to me this way instead of doing the research and collect the debt from who it was truly owed to. Finally after several times of explaining this to XXXX XXXX he sent me a document to fill out for identity theft but this was after 3 months, and he still had not provided me an official lease from the complex. I decided to speak to a manager and left voicemails with several and never heard back. Finally I filled a dispute with FTC, XXXX and XXXX XXXX and forwarded that information to Mr. XXXX. On XX/XX/XXXX I decided to reach out to the apartment complex myself. I immediately heard back from the Apartment Complex the next day and they APOLOGIZED and stated this was clearly a case of mistaken identity. Wow. I resolved in two days what XXXX XXXX from National Credit Systems did not resolve in 3 months after multiple phone calls, emails, and documentation from me. I believe that he should held accountable as this has taken an absorbent amount of my time, impacted my FICO/XXXX/XXXX XXXX XXXX Credit Score , collected additional fees for international calls, and most importantly could have been rectified without impacting my credit. On XX/XX/XXXX I did eventually speak to a manager XXXX XXXX after I refused to disconnect from the call until a manager came on the line and she was helpful but after 3 months of going through this emotional distress, frustration, and impacted credit score her assistance should have come sooner.
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| 02/03/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After midnight, I dont remember the specific date, I submitted an online application for a specific apartment unit at XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, GA XXXX. The website had the apartment as available for immediate move-in.
I had a few questions I wanted to ask about apartments, so I called them as soon as their office opened at XXXX XXXX I spoke to a young man. I informed him that I had submitted my application in the early morning hours. He told me my application had not been processed yet.
I then asked him about the specific unit I had applied for. He told me that the unit was not available. I asked him why it was listed as available, and why I was allowed to apply for the unit if it was not available? He said he did not know ; to both questions.
Then I asked him what other units are available? He said that they did not currently have any apartments available. Then I asked when would more units become available? He told me he did not know. I asked him did he have an estimate of when more units would become available. He said no. I asked : One week? Two weeks? One month? Two months? He again said that he did not know.
I asked him why were they charging the application fees for apartments listed as available that actually are not? He said he did not know.
At this point I told : I withdraw my application. Do not process it. I withdraw it. It has not been processed and I do not want to proceed with applying for an unavailable apartment, and you are unable to tell me when a unit will be available in the next two months. I also want my application fee refunded because the apartment I applied for as available, is unavailable, and you do not know when another one would be available. I also want my money refunded for the charity applicants are being forced to donate to before being allowed to move forward in the online application process.
He informed me that a manager would have to process the refund for the application fee, a manager was not currently available, and he would give my complaint to the manager. A few days later I received a voice mail from a female employee from XXXX XXXX XXXX informing me that my application had been denied.
I had the payment canceled for services not rendered and false/fraudulent/deceptive business practices. It is illegal to advertise the availability of a specific apartment unit, charge an application fee for a unit that is not actually available, not provide an alternative, can not say when an alternative will be available, and then process an application that was withdrawn before the application was processed, and then attempt to extort the fee by placing it on my credit report for collection.
The {$290.00} collection listed on my credit reports by National Credit Systems is a criminally fraudulent collection originating from an attempt to acquire money from a consumer under false pretenses. I do not owe National Credit Systems {$290.00}. They do not possess an original contract or document bearing my signature that has created an obligation of payment or debt owed to them by me. They are refusing to validate the debt. It has been over 30 days since my request.
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| 03/14/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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As of XX/XX/XXXX I receive a Call from National Credit system in behalf the past due balance for the XXXX at XXXX XXXX the representative use an aggressive demanding language in which I reacted defensively.
National credit claims they have sent a notice to me with the apartment address in which I stated The XXXX have my forwarding address and it was clearly written on the Move In Move out, We argue about this and I asked to speak with a supervisor leave a voicemail to them at National and no answer as of today from.
I did told representative about the deceptive action and in violation of FDCPA which she denied claiming even if I didn't receive my Validation notice I will still receive a call.
The representative was requesting money/pay plan on this debt that was in conversation within " validation period '' even when I repeatedly said above.
I was call by the collection agency within the 30 days validation period without me receiving a Validation notice, I did request verification that XXXX have paid for the replacement of the carpet the amount said.
I was at the move out inspection, my carpet was never steam after multiple request and at move out inspection the representative ripped off the carpet and said was to be replaced I signed the move out but pricing was written after at her office.
I did provide vacate notice on time and also forwarding address on XXXX.
I did attempt to set a payplan even when I knew it was unfair what I was getting charge and on fear I didn't want any negative remarks against my credit or cosigner Who never live at property.
I told representative at national I was waiting for corporate for The XXXX call and still waiting. I not sure Why I don't have yet the information I request.
My rent was always paid on time and even paid everything owe on the portal prior move out.
The XXXX wanted me to paid in full within 60days from move out regardless or face collections they said and provided me National info as collection agency and await to be contacted.
XXXX came as said above and as of today No validation notice is being receive.
I called today XXXX and spoke with Representative again, this time I called.
I have all notification for mail that comes on my Mail and nothing is being receive from National.
I asked for the following information over the phone today from them.
Date of placement from the XXXX at National Credit : XX/XX/XXXX Date of 1st call from National Credit XX/XX/XXXX Representative claims placed on Dispute due to my disagreement, I requested a Validation notice since National Credit have Fowarding address on Move out form but didn't place accordingly As of Today validation notice not receive but they claimed was mail XX/XX/XXXX Again I have nothing Date of a 2nd call XX/XX/XXXX from myself to National Credit I was told account is on a temporary hold and what National Credit to the XXXX is not being receive as of today.
I told representative at National Credit is being 30 days since placement date XXXX this debt is invalid they defaulted to send Validation Notice as required by Law and they are pursuing a debt without the Invoice to substantiate the charge.
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| 08/08/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I settled any debt with XXXX XXXX XXXX also known as XXXX XXXX XXXX, with on XX/XX/XXXX. There is a negotiated and signed court settlement of {$1900.00} agreed signed by me ( XXXX XXXX ), XXXX XXXX XXXX ( Tenant on the lease ) an XXXX XXXX Representative that attended the court hearing. As there was no clause added to signed agreement to send this matter to collection agency policy, I ask and pay for an one extra month to move my items, the XXXX XXXX Representative said I had to show I was moving out and I said I will have a XXXX truck on my last day of occupancy to show and pick up my furniture that was mine. I also ask that since the original lease will be terminated, I would not be liable for the condition the unit since I had only a month and half to move out and I did not an eviction place on my record after I left the property, the XXXX XXXX Representative agreed as long as the payments were made, we all so agreed that former occupants will not liable for the conditions of unit, due to time limit set by the XXXX XXXX XXXX to vacate the property. The mediator and XXXX as a witness. So, the terms were explained all parties by the judge to end the Lease on XX/XX/XXXX, and make the guaranteed payments on the dates required in the terms of the signed the agreement.
As stated in the agreement, The XXXX XXXX XXXX agreed never file writ possession with the court as long as the certified funds where pay by the former occupants ( me and My brother ) and since the previous lease term and conditions were voided, and we ( occupants ) would not be liable for the condition of the unit since the move out day was XX/XX/XXXX as stated the signed agreement.
I was shocked to learn months later when I applied to a new apartment at different complex that XXXX XXXX XXXX had placed my closed account in collection and violated signed agreement. I decided to start the process of discovery for lawsuit, and I had a paralegal assist me in contacting the court to get a copy of the Filed Signed agreement. While wait on that evidence, I pay extra charge for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove that I did not violate the signed agreement so I could get move in to place I had apply for early that month, unfortunately I had to pay an extra for deposit or lose my apartment. I received the result in XX/XX/XXXX which confirm that I have no eviction on my record, and it proved I had followed the court order agreement that I signed. I sent the results to XXXX XXXX XXXX via a certified mail, to ask them to remove the false collection and or I will be filing a lawsuit again them for filing a false claim and for breach of signed, the letter was refused and returned to me. Unfortunately, a few week after this my mother die and my father XXXX XXXX due to her lost and was now, he will have to retire due to XXXX of cause damage of his XXXX. I decided to pursue that lawsuit and give up my finishing college since now that I had false debt stopping would stop from applying for personal loan to help with my father care.
It was not easy, and this false claim has caused me to miss many opportunities both professionally and financially.
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| 07/14/2017 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This is the 2nd notice of dispute of this collection notice. The initial dispute was placed with your office in XX/XX/XXXX with a lady ( I believe her name was XXXX ). I again spoke to XXXX XXXX with the collection company, National Credit Systems approx. XX/XX/XXXX. My conversation with him at the time was not only to dispute the information ( collection notice ) but also requested proof of the debt owed. Instead, another notice of collection was issued a week later on XX/XX/XXXX. As of this letter, I still have not been provided with the proof of the debt owed to XXXX XXXX XXXX XXXX. I explained to XXXX XXXX, I had 165 pages of documentation providing we didnt owe this debt. How can this debt be placed in collection on a credit bureau without proper proof of the debt as it has been disputed twice with two individuals of National Credit Systems in XX/XX/XXXX and XX/XX/XXXX. In XX/XX/XXXX, I informed the XXXX XXXX, I didnt lease a property from this apartment complex. There was several discussions with the leasing agent, XXXX and property manager, XXXX XXXX. The lease prepared was not prepared correctly with the terms agreed upon therefore was not finalized. My husband and I met with the XXXX XXXX with the XXXX complex. She apologized and admitted to my husband and I the file was handled both incorrectly and unprofessionally. Agreed to refund {$290.00} and no further obligation was due. An email stating {$290.00} would be refunded. The refund has yet to be processed and received since XX/XX/XXXX. Recently, when my attorney contacted the property manager, XXXX again another credit was issued and an email received. Yet still no refunds have been issued. This case is pending legal action in a court of law in XXXX XXXX XXXX XX/XX/XXXX. I have requested proof of the debt as previously requested twice. Their notice clearly states if the debt is disputed National Credit Systems will provide proof of the debt. Why have I not received the proof of the prior to placing this file in collection on my credit report? Due to this file being disputed and no proof of the debt has been provided, the entry needs to be removed from credit bureaus. Proof of the removal from the credit bureau until such time proof of the debt is provided and resolved in a court of law should be provided within 7 business days. The proof of debt and cancellation of reporting can be mailed to XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX. I have supplied National Credit Systems with a copy of both refund letters from the property manager, XXXX XXXX with The XXXX XXXX XXXX XXXX. I can also provide the CFPB with copies of the same. XXXX XXXX stated in XX/XX/XXXX, it was our responsibility to provide him with the proof I did n't owe the debt. I tried to explain several times the burden of proof was on the collection agency if it was disputed. As why it was sent to the credit bureaus after communicating with their office in XX/XX/XXXX when the first notice was sent. Ask him to remove the entry until proof was provided and he refused. Called me a liar and was extremely rude. The collection tactics was an attempt to frustrate me.
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| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I am writing in regards to a {$600.00} check that XXXX cashed from me when I filled out a credit application at the XXXX and a phone call I received from their office on Monday of this week. I changed my mind about trying to get an apartment at the XXXX and wanted to get my check back. The most concise way to let you know what happened is outlined below : XX/XX/2017 Filled out credit application and left {$600.00} check in interest of an apartment. Have not signed a lease agreement XX/XX/XXXX Contacted the leasing manager at XXXX and told him I was n't interested in getting an apartment there after all and that I 'd like my {$600.00} check back. He told me he 'd have to talk to the management company because he did n't know if he could do that. Considering I had n't signed any agreements I did n't see a problem with me getting the money back.
Week of XX/XX/XXXX I contacted the apartments and your office multiple times during the week of XX/XX/XXXX by phone and email and finally was able to speak to XXXX on XXXX. XXXX said the check would be sent shortly.
Week of XXXX XXXX XXXX to speak to someone in your office all week with no success.
XX/XX/2017 My family member spoke to XXXX in your office and followed up with an email restating everything that had been discussed. I also contacted my financial institution to let them know of this situation I was having.
XX/XX/2017 XXXX replied to the email received and said the check was in the mail today.
XX/XX/2017 Received and deposited refund check from your company for my {$600.00} due XX/XX/2017 My original check had been cancelled by my bank without my knowledge ( found this out in the call on Monday of this week ) XX/XX/2017 Received threatening and harassing phone call from your company saying I am being sent to Collections because my check was cancelled and I deposited refund check from you. Following is what happened during that call : The employee ( I did not catch her name but I have a phone number XXXX ) raised her voice and would n't let me speak and stated that they were sending me to collections for {$1200.00}. When I asked why collections was going to be contacting me for {$1200.00} she raised her voice and angrily stated that she did not owe me an explanation. When I said I was not trying to be confrontational and I just wanted a reason for this call and the amount you say I owe. The person calling said my original check had been canceled and she would not tell me what the extra {$600.00} was for. This person was very unprofessional and threatening.
When I pressed further and asked why you would be asking for the money they sent me back she again said she did not owe me an explanation. I told the employee of yours that I would be more than happy to pay you back the {$600.00} ( and have paid that back which is documented in the attachments ) that I did not know had been refunded but I did n't understand the extra {$600.00} she still did not explain to me why they were trying to get the money back that they had sent me. I have proper documentation from the XXXX and XXXX that states that they did owe and paid me the {$600.00} refund.
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| 01/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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This is to send a formal complaint against the credit bureaus, XXXX, and XXXX. Both of these credit reporting bureaus refuse to update and correct updated debt info and credit card payments accurately. I've sent letters after letters and calls after calls with no correction on their part. I have submitted letters from XX/XX/XXXX to XX/XX/XXXX and they have refused to update and correct inaccurate debt info that is supposed to be removed and credit card payments that have been updated by the credit card companies showing paid.
XXXX XXXX XXXX, XXXX, Disputes Department, XXXX XXXX XXXX, XXXX, VA XXXX To Whom This May Concern, Upon receiving my recent Credit report, I have found information regarding debts that are being claimed against me.
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Due : {$1200.00} Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Due : {$1500.00} National Credit Systems XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Upon receiving my recent Credit report, I have found information regarding the debt that is being claimed against me.
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX Balance Due : {$3300.00} XXXX XXXX, XXXX, XXXX. XXXX XXXXXXXX, XXXX XXXX, MN XXXX To Whom This May Concern, Upon receiving my recent Credit report, I have found information regarding a debt that is being claimed against me.
Date : XX/XX/XXXX Creditor : XXXX XXXX XXXX XXXX Balance Due : {$500.00} Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for a suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated.
Both XXXX and XXXX refused to update the information that these creditors have refused to respond after 90 days of which they should have been removed.
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| 06/24/2016 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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A representative from National Credit Systems called my cell phone and did not leave a message. A few moments later, I received a call from my office ( different department ) saying that I had a call. Once the call was transferred, a lady on the other end asked to speak with me. At this point, I have never allowed any debt to contact my job, this is a very embarrassing issue. So I ask what the call is regarding and she says her name I believe, but I was unable to hear her. Then I politely asked her/him to repeat and then she gets a major attitude. She says that her name was XXXX with national Credit Systems and that she was collecting a debt. At this point, because she was being so disrespectful, I wanted to know an address to mail in a complaint. I will not allow anyone to treat me as she did. Then she would not give that information, she was able to say that she will continue to contact me on my job. I told them, on a recorded line, that they are not to contact me at my cell or my job. I will allow them to send me an email, but thats the extent of the communication I will allow. I called back and spoke with another woman, she was able to get me the address to file the complaint. I then asked to speak with a supervisor, who was calm at first, then rude. I asked her full name so that I could include it in this report and she would not give me that information. She only told me her name was XXXX XXXX in XXXX, XXXX. I know my rights as a consumer : " XXXX. Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person.
( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681a ( f ) or 1681b ( 3 ) 1 of this title.
( 4 ) The advertisement for sale of any debt to coerce payment of the debt.
( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.
( 6 ) Except as provided in section 1692b of this title, the placement of telephone calls without meaningful disclosure of the caller 's identity. '' - Fair Debt Collection Practices Act ( FDCPA ) I believe this situation falls within the category of harassment. Their phone number was XXXX. They called for the very first time, XXXX/XXXX/2016 @ XXXX ; XXXX , XXXX . I would like to allow you all the opportunity of looking into this matter. I do not know what the debt is regarding, or if its even mine. I will not speak with them again until I speak with someone via mail that has sense. Thank you for your time.
XXXX XXXX
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| 12/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX, ohio XXXX XXXX XX/XX/2022 Date : Dear Sir or Madam/To Whom It May Concern, On last month I requested an investigation regarding inaccurate/erroneous items on my credit file that were being reported erroneously. On 2022 your agency sent a letter stating that you had completed your investigation and the items were not deleted, as requested. This concerns me as I do not understand how you arrived at this conclusion since this information is indeed incorrect. This is a request under FCRA XXXX ( a ) ( XXXX ) for a description of the procedure used by your agency in providing all information to the creditor associated with my earlier dispute under FCRA XXXX ( a ) filed with on 2022 ( To be more specific, based on FCRA XXXX ( a ) ( XXXX ) ( B ), you were required to forward all of the relevant information I provided by you to the creditor for their investigation of my dispute. Please provide me with all of the information you used for your investigation, as required by FCRA XXXX ( a ) ( XXXX ). Please reply within 15 days or delete the negative items, as originally requested. Below are the items that do not belong to me that you continue to report erroneously. Please note that I am taking this matter very seriously and demand that you follow the law, in its entirety, and send me detailed information of how you arrived at your conclusion, or else remove these items immediately. Thank you, reporting incorrect information on my credit report, the company has been out of business for a while now and they are still reporting incorrect information on my credit report, they have forged documents. we have asked for them to supply the original documents that I signed for a share deposit, but they can not supply us with my original signature, that I signed up for this, the documents they have supplied us are typed and then written in not acceptable, I was not told about a share deposit, and I did not sign up for a share deposit. I have never stayed at any apartment complex that requests a share deposit, I have heard about a security deposit but not a share deposit, this is all false, this is a scam, and this is deceptive... remove from my credit report this incorrect information. this share deposit was never mentioned in my lease agreement, I have asked for a year now to show us this in my lease agreement, and they have dropped the ball over a year now, you know why they can not supply the lease agreement with the share deposit because it was never mentioned to me when I signed my lease, please remove, I am asking nicely, next I will be going to court, and you will have to pay all the grieve you have caused me and my family for reporting this scam on my credit report. you know I have an attorney and we are not playing. What is a legal document 's meaning? In short, a legal document by definition is XXXX that outlines an agreement between XXXX or more parties that has been signed by mutual assent and in all other respects can be relied upon in court. please show me a legal document between us that I signed, not something you typed out and wrote on, not acceptable,
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| 11/26/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Spoke with XXXX XXXX from National Credit Systems in XXXX Ga, several times regarding my collection account. She notified me of the amount that was owed. In addition, explained I could pay as low as $ XXXX/ month, to prevent my account being reported to the credit bureaus. I asked repeatedly what all necessary steps I must take to get this account situated without being reported. She explained as long as I make the monthly payments, and call her to verify the transaction approval ; my account would be satisfied. I asked if it would be okay to pay the account online with my credit card. XXXX confirmed that method of payment would be sufficient. I agreed to pay $ XXXX/month, and received verbal confirmation from XXXX. As I continued to make the payments in XXXX, XXXX, and XXXX. I was notified that the account was still reported to the credit bureaus in XXXX due to neglect to make on-time payments. I contacted XXXX directly to dispute the concern ; I explained to her that I received a mailing notification that my account was reported even though she stated several times it would not due to my on-time payments. She placed me on a brief hold to research the account. Shortly, another woman picked up, and explain XXXX was with another customer and she would be handling my concerns going forward. I explained to her my situation. She confirmed that XXXX provided me with false information. I needed to setup re-occurring payments through my banking account, and paying online with a credit card was not a qualified method of payment. I asked could this be disputed due to negligence on National Credit Systems representative providing me false information. She explained that they could not dispute the charges despite I made on-time payments, but was giving false information of the method of payment. I asked to speak to a manger/ or supervisor. Once I spoke to the supervisor, I explained my situation. Once again, I was told they could not dispute my case. In addition, the supervisor said my $ XXXX/ month was too low of a monthly payment. I explained to her that XXXX told me I could pay as low as $ XXXX/month. She continued with saying I needed to pay the amount in full over the phone that moment to have the situation handled. I explained to her that it was unfair that my account was reported even though I made on time payments, but have to suffer due to her representative providing me with misleading information. I made on-time payments, and I was never told I had to specifically setup reoccurring payments with my banking to prevent my account being reported I was told that all calls were recorded for quality assurance, and legal purposes. I asked to receive a copy of the recordings, to have proof that I was giving false information from my account representative, therefore I could dispute the case on my own. The supervisor explained, that the recordings were property of National Credit Systems, and she would not release them to me. I explained if I could not receive the recording, that I may have to take legal actions ; due to Misrepresentation, Misleading Information, and/or Fraud.
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| 05/12/2022 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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HOW CAN YOU SAY THIS IS A DUPLICATE COMPLAINT SINCE THIS COLLECTION COMPANY HAS NOT RESPONDED ME OR SEND ME ANYTHING IN THE MAIL THIS IS THE THIRD COMPLAINT AND NOONE HAS RESPONDED ANYTHING TO ME.
There is no question that you willfully violated my rights and that I could bring charges against you immediately. However, I am assuming this has been a terrible mistake on your part and that you will take appropriate steps to enlighten yourself and your staff of such dangerous actions. I checked my credit report and you have willfully reported an unverified and disputable debt to the credit bureaus. which is a violation of the Fair Credit Reporting Act. I will state again in this certified complaint that you have failed to verify the debt, you have provided no proof of this alleged debt This is in response to the CFPB your company or CFPB department provided to me and the lack of validation pursuant 15 USC 1692g. Florida Office of Financial Regulations states that Per Federal law, every debt collector must send you a written validation notice telling you how much money you owe within five days after they first contact you. This notice must also include the name of the creditor to whom you owe the money, and how to proceed if you dont think you owe the money. ( ITS BEEN MORE THAN 6 Months AND I HAVE NOT RECEIVE ANYTHING FROM THIS DEBT COLLECTOR ) To whom may concern I contacted the Attorney General of Florida, I reported the fraud from your company with the FTC. If you default again I will contact the Office of Financial Regulations, file a police report due to Identity theft by your company and File a complaint with the XXXX XXXX XXXX Please be apprised that you are in direct violation of the Fair Debt Collections Practices Act.
In my opinion you have violated at least three sections of this act by : a ) Failing to validate a debt as allowed to the debtor under 15 USC 1692 ( g ) Section 809 ( b ) Communicating with a debtor after receiving a cease and desist certified CFPB complaint under 15 USC 1692 ( g ) Section 805 ( c ) Harassment of alleged debtor under the " abuse & harassment '' subsection of the statute, 15 USC 1692 ( g ) Section 806 ( 5 ) ) You proceeded to say you validated the debt which is NOT considered a " validation of debt '' by any means. You may wish to familiarize yourself with what is required when validating a debt. ( you failed to provide me with the 5 things pursuant 15 USC 1692 ( g ) ) Your office also proceeded to contact me by the credit bureaus after the delivery and acceptance of my certified cfpb complaint I made online.
Contacting a person after a cease and desist can lead to serious trouble for your agency including damages of up to {$1000.00} per incident. You may wish to familiarize yourself with what communication means. Pursuant 15 USC 1692 The term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium. You are conveying information regarding a debt to a third party company ( credit bureaus ) which is also another violation pursuant 15 USC 1692c ( b ).
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| 03/19/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I submitted a CFPB compliant # XXXX against National Credit systems onXX/XX/XXXX. and here was there response to the complaint : Company 's response This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX is disputing this debt because of the charges assessed to her by the XXXX XXXX XXXX.. These charges were not assessed by NCS. Naturally, she would not have a contract with NCS since her agreement was with XXXX XXXX. XXXX XXXX has disputed his debt and NCS ; and, as required by law, has submitted her dispute to the CRA 's. We have conducted an investigation of XXXX XXXX XXXX dispute. The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. XXXX XXXX is disputing this debt because of the charges assessed to her by the XXXX XXXX XXXX.. These charges were not assessed by NCS. Naturally, she would not have a contract with NCS since her agreement was with XXXX XXXX. XXXX XXXX has disputed his debt and NCS ; and, as required by law, has submitted her dispute to the CRA 's. We have conducted an investigation of XXXX XXXX XXXX dispute. The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute. I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.
National Credit systems also stated in the compliant : Company 's response The outcome of our investigation has been mailed her. We would now ask the XXXX XXXX identify the specific item of information that is in dispute ; explain the basis for the dispute ; include all supporting documentation required to substantiate the basis for the dispute.
However I never received anything in the mail of the outcome of there investigation so I would be able to identify the specific item of information that I have been disputing : nor have I not been giving the opportunity to explain the basis for the dispute.
Furthermore I sent National Credit Systems a Certified Letter by mail on XX/XX/XXXXrequesting for documentation and they have yet to respond to my Dispute and letter request.
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| 09/19/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, the XXXX XXXX apartment complex in XXXX, Arizona, was contacted by my boyfriend ( who was co-resident of XXXX XXXX, apartment number XXXX ) to dispute charges that were billed to us and were not appropriate. ( XXXX XXXX stated we owed {$190.00} for a smoke smell, a broken light bulb, and miscellaneous utility fees. We contact them to dispute these charges and have the bill reassessed. My boyfriend nor I smoke. Some of our neighbors do and the smoke smell would travel through the vents from time to time into our apartment. The broken light bulb is something they would have fixed for free if we requested it, however, we didnt even know about it. Im unsure how we could have been charged utility fees if we had already vacated the property by the time this bill was sent to us. ) The email my boyfriend sent was immediately dismissed with a reply that said another person would be the one to contact. This other person replied that she would forward our inquiry to the Assistant Manager of XXXX XXXX. We were under the impression this matter would be reviewed and we were awaiting a response, as well as a recalculation of the bill to equal {$0.00}. However, we never received a response and we were not contacted in any other way by XXXX XXXX after that email from this other person ( sent XX/XX/XXXX ).
XXXX XXXX has sent these fees to a collection office with only my name on it, and with my boyfriends private residential address. ( I dont know if this is worth mentioning, but it seems strange to me : We were both on the lease at XXXX XXXX, but the debt is only assigned to me. Moreover, I provided an official change of address to the USPS on XX/XX/XXXX. That address is different from my boyfriends private address. ) The collection company is called National Credit Systems , Inc . I emailed them on XX/XX/XXXX to indicate I have received their letter ( although I received it late because it was not sent to the correct address as stated above ). I also explained to them the lack of communication with XXXX XXXX and how we were awaiting a reply to our inquiry and reassessment of the bill. Today is XX/XX/XXXX and I have not received an acknowledgement of any kind from the collection office nor XXXX XXXX who I CCd on the email. All emails are attached to this complaint.
Furthermore, an amount of {$150.00} was taken out of my account on XX/XX/XXXX for a cleaning fee. ( However, the details on the transaction do not have my name on it, which is another odd thingmy boyfriends name is on it. It was my check that I presented at the time of paying for this fee. ) It should be noted that I willingly paid this fee because I was told it would be the best option to avoid any other fees upon moving out. However, that is obviously not the case.
There are also other people who have left comments about being charged fees unfairly on XXXX reviews under the XXXX XXXX company profile. I have no way of contacting them, due to some restrictions from XXXX, to ask for advice on how to handle this matter.
I hope there can be a resolution to this.
Thank you.
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| 06/28/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX manages XXXX Apartments. XXXX Apartments has sent my information to a collection agency called National Credit Systems , Inc . Since XX/XX/XXXX I have been receiving calls and letters from NCS requesting payment for something I never agreed to pay. I signed a lease with XXXX XX/XX/XXXX that ended on XX/XX/XXXX. As stated in the lease, the contract only automatically renewed on a month-to-month basis if neither if either party failed to give 60 days notice. I gave my 60-day notice and did not enter another agreement with XXXX Apartments. There was no new lease signed, I did not agree to any of the charges they tried to bill me for. When I received my first letter from NCS I informed them, through certified mail on XX/XX/XXXX, that I had no knowledge of the charges. I asked if they could validate them and provide a detailed explanation. I have receipts from that letter that my letter was received on XX/XX/XXXX. National Credit Systems ignored my requests and continued to ask for a payment in a letter dated XX/XX/XXXX. On XX/XX/XXXX I sent NCS another letter explaining to them that I think my rights had been violated by failing to validate a debt at my request and continuing to attempt to collect a disputed debt, both FDCPA violations. I asked them, again, to validate this debt. I specifically asked for them to provide me with the following : 1. Proof of right to own/collect this alleged debt 2. Balance claimed including all fees, interest and penalties 3. Contract bearing my personal signature 3. License proof to collect debts in my state To date they have yet to comply with my requests for validation. The lease they insist on providing me with expired with no new agreement on XX/XX/XXXX. XX/XX/XXXX, I fulfilled my final payment to XXXX Apartments and had a XXXX balance. XX/XX/XXXX, I received extra fees and charges ( I also disputed and was told by XXXX I should've done a walk through - XXXX was NOT doing walk throughs at the time due to covid ) I never agreed to and along with threats to my credit report. I am distressed that XXXX Apartments and National Credit Systems has continued to harass me, after I asked them not to contact me until they can validate this debt. They have now included this information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the information they report. At this point I feel this company and any claims for amounts owed is untrue and not properly investigated. Im very bothered by the months of harassment and disregard of my rights by National Credit Systems and XXXX Apartments.
This company presented me with a new lease because they knew the old one had expired and when I declined to sign the new lease they knowingly used the expired one to harass and illegally collect from me.
I would also like to note that I filed a complaint with NCS XXXX and XXXX Apartments XXXX. I'm not trying to submit double complaints to XXXX, however I am trying to file a complaint with the source of this matter, XXXX XXXX XXXX.
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| 04/27/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was a resident at XXXX XXXX apartments from XXXX XXXXXXXX XXXX, with 2 other roomates. I was served a joint eviction in XX/XX/XXXX, so vacated the property. The eviction documents gave me the option to pay XXXX XXXX apartments {$1000.00} or to forfeit possession of the property. Fast forward to XX/XX/XXXX as I am doing credit repair DIY, I contact National Credit Systems as they're listed on all 3 credit bearu 's as taking ownership of a {$4100.00} debt from XXXX XXXX XXXX Apartments. I don't agree with said amount of {$4100.00}. My rent had ONLY been {$750.00} and according to the legal eviction documents, I don't owe a balance. Even if I did owe a balance, How did the significant amount of {$4100.00} come about? I spoke with XXXX XXXX from National Credit Systems on 3 seperate occasions via telephone between XXXX and XX/XX/XXXX. In addition, I sent a debt validation letter via certified mail. As a response, XXXX sent me 3 pages from a signed lease and itemized " move-out statement. '' The move out statement raised even more questions. The eviction paperwork had a balance of {$1000.00} yet the itemized bill/move out statement has my balance starting at {$1400.00}. The itemized bill also shows that I was charged for rent twice in the month of XXXX ( XXXX ). I was charged {$740.00} on XXXX and {$740.00} on XX/XX/XXXX. I was charged an astronomical amount of {$1100.00} for a carpet replacement. The bill also list my move out date as XX/XX/XXXX which is innaccurate. I moved out a month prior. I was served eviction paperwork on Thursday, XX/XX/XXXX and had 3 days to be out, excluding saturdays/sundays. Day number 3 was Monday, XX/XX/XXXX and on this day, I was back living on college campus as a residential assistant.
Because of the questions and alarming concerns I had, in regards to the amount owed/owing anything, I reached out to XXXX XXXX apartments by telephone in XX/XX/XXXX. I called, assuming I'd be able to get to the bottom of this but was met with an absurd response. XXXX XXXX Apartments has no recollection of me ever living there as their " files '' don't go back that far. They were unable to verify my debt nor provide a copy of the original lease because they didn't have any of this information. In addition to the alarming telephone call, I followed up by sending XXXX debt validation letters to XXXX XXXX XXXX apartments by certified mail and didn't get a response. XXXX XXXX Apartments also doesn't have a corporate office so I was unable to speak to anyone else.
At this point, National Credit Systems is the only entity claiming I owe any debt to XXXX XXXX Apartments. I am disputing the entire {$4100.00}. This is an erroneous number. This eviction on my record has constantly prevented me from renting / home ownership and this isn't right when this debt is clearly innaccurate / false. Anyone can look at my situation and documents and see that alot of this just isn't adding up. I don't owe XXXX XXXX Apartments {$4100.00}.
I have written my attorney general and XXXX in regards to this issue as well.
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| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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National Credit Systems , INC has put a debt of {$3600.00} on our credit reports and is billing us said amount for an apartment we were not the signed, legal residents of at the date they are claiming the debt was made.
On XX/XX/XXXX via XXXX certified mail tracking number hidden National Credit Systems , INC received the information they requested to invalidate their assignment of the debt to us when we opened an investigation to dispute the debt they were reporting to the three credit bureaus. They failed to remove the incorrect information from all credit reports and erroneously claimed to verify the debt.
On XX/XX/XXXX via XXXX XXXX mail tracking number hidden National Credit Systems , INC received the information they requested again in a letter dated XX/XX/XXXX to invalidate their assignment of the debt to us when we reopened an investigation to dispute the debt they were reporting to the three credit bureaus. They again failed to remove the incorrect information.
On XX/XX/XXXX National Credit Systems , INC sent out the same letter now redated to XX/XX/XXXX requesting the information we have already provided twice and that they are in possession of with proof that they have incorrectly assigned this debt. We are now exercising our right to a formal complaint with their failure to comply with the Fair Credit Reporting Act, Under section 609, 610, and 611 and understand that this issue entitles us to a sum of {$1000.00} per individual as outlined in the FTC Fair Debt Collection Act section 1692-1692p. 812 and 813.
The proof we have sent them is as follows : National Credit Systems, INC provided a statement of account from Registry at XXXX XXXX XXXX The date listed as a move-out date is XX/XX/XXXX. We sent back the copy they sent us circling the information that proves the debt is invalid.
National Credit Systems , INC provided the signed and dated move-out inspection form from Registry at XXXX I XXXX with our signatures and the signature of the apartment manager dated XX/XX/XXXX. The balance due at move-out was {$0.00}. We sent back the copy they sent us circling the information that proves the debt is invalid.
National Credit Systems , INC provided a copy of our signed lease that clearly shows our lease term was XX/XX/XXXX to XX/XX/XXXX. We moved out 8 days before our lease was up. We did not sign a new lease nor did we sign an extension. National Credit Systems , INC has not provided proof of either. We sent back the copy they sent us circling the information that proves the debt is invalid.
National Credit Systems , INC failed to provide a signed and dated lease or lease extension showing that we were residents of the named apartment themselves as they already have the proof we were not the legal residents at the date provided. The evidence they already have and keep submitting as proof clearly shows we were not the occupants at the date provided and that this debt and the account belongs to someone else. We moved out months prior and were already in another lease in another state.
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| 10/25/2018 |
Yes |
- Debt collection
- Mortgage debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I was contacted by the national systems in XX/XX/XXXX about a collection on an apartment I shared with a roommate in XXXX. They told me there was a debt of {$2600.00} that was due, I explained to them that I had been signed off the lease in XX/XX/XXXX they told me to send in supporting documents supporting my claim that I was not legally obligated to the debt owed. When I called to ask why my name was on the collection the women Ms.XXXX was very rude and curt with me, She then cut me off when I was trying to ask questions and explain that they simply didn't have updated paperwork. She got upset and hung up the phone on me and when I called back she cursed me out and called me out my name and continued to hang up on me. So I proceeded by sending the documents stating I have an excuted roommate release lease and a statement from the apartment owners as well as a dispute letter per Ms.XXXX request she sent me a letter in the mail with a copy of the previous apartment owners debt request, Which didn't have my name but my old roommates information as I wasnt mentioned at all along with a letter stating that they didn't have any proof to verify my claim. So she proceeded to execute the debt on my credit report. I filed a dispute with the credit bureau stating that I am not obligated to the debt along with the paperwork I sent National Credit Systems Inc. Even though Ms.XXXX had recieved the dispute a week before sending it to my credit report but reported it anyways out of spite.Its illegal to attach a debt to a persons credit report after they have provided documents stating otherwise.
As stated above I sent national credit systems Inc. The same paperwork from the apartment complex and a dispute letter from myself along with an excuted roommate release lease prior to the debt in a timely fashion and the debt was still added to my credit report, the paperwork they sent me on the XX/XX/XXXX that had the apartments estimate for the debt did not have my name on the paperwork which I have also previously attached.
The apartment ledger that national credit systems sent me from XXXX XXXX did not have my name on it but my previous roommates information only which is why I keep asking them to remove me from the claim seeing that my name wasnt given. I continually tried to explain that they simply didn't have updated paperwork and that I have a fully excuted roommate release from and a signed statement from XXXX XXXX stating that I am not legally obligated to the debt all of which I sent to national credit systems before they out it on my credit report but because ms.XXXX da malicious she ignored the paperwork for my dispute and put it on anyways. It is shady business practice to falsify collections on a credit report after having paperwork stating otherwise. I have sent everything national credit systems has asked and have all the documents stating that this isn't my debt but they refuse to correct their intentional mistake. My credit has suffered an 79 point drop because of their shady business practices.
|
| 11/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX, I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that NATIONAL CREDIT SYSTEMS had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/XXXX with a balance of {$1700.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
|
| 09/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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This Affidavit of Fact is Pursuant to 15 U.S. Code 1692 ( a ) ( b ) which states that The Congress has found abundant evidence of the use of abusive, deceptive, and unfair debt collection practices by many debt collectors. These abusive practices contribute to the invasions of individual privacy among other things which you NATIONAL CREDIT SYSTEMS are in violation as I never gave you my information directly ; I a consumer in fact, agree with The Congress to eliminate abusive debt collection practices by debt collectors, and to promote consistent state action to protect consumers like me against debt collection abuses which you are attempting to do Pursuant to 15 U.S. Code 1692 ( e ) ; Take Notice that Pursuant to 15 U.S. Code 1692a ( 2 ) the term communication means the conveying of information regarding a debt directly or indirectly to any person through any medium and in this specific case you NATIONAL CREDIT SYSTEMS used email, postal service etc. to communicate indirectly with me a consumer who is defined Pursuant to 15 U.S. Code 1692a ( 3 ) as any natural person allegedly obligated to pay any debt ; Take further notice that I am the true creditor Pursuant to 15 U.S. Code 1692a ( 4 ) which clearly states that a creditor is any person who extends credit creating a debt therefore I a consumer created the debt via my extension of credit to NATIONAL CREDIT SYSTEMS ; You NATIONAL CREDIT SYSTEMS shall also know that the term debt defined under 15 U.S. Code 1692a ( 5 ) comprehensively states that it means any alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes ; Notice that you are defined as a debt collector Pursuant to 15 U.S. Code 1692 ( 6 ) which states that a debt collector is any person who uses any instrumentality of interstate commerce via mail and is engaged in the principal purpose of collecting debt which you are attempting to do by communicating with me without my prior consent in direct violation of 15 U.S. Code 1692c ( a ) ( 1 ) ; You NATIONAL CREDIT SYSTEMS are also in violation of 15 U.S. Code 1692b ( 2 ) which states that you may not state that I a consumer owes any debt. Furthermore, you have attempted to communicate with me on multiple occasion which is a violation of 15 U.S. Code 1692b ( 3 ) ; You are also in violation of 15 U.S. Code 1692e ( 2 ) ( A ) by giving false representation of the amount of debt allegedly owed and the false representation or deceptive means to attempt to collect any debt Pursuant to 15 U.S. Code 1692e ( 10 ) ; Take further notice that Pursuant to 15 U.S. Code 1692e ( 9 ) articulates that the use or distribution of any written communication which creates a false impression as to its source, authorization, or approval as you NATIONAL CREDIT SYSTEMS is stating that someone other than me a consumer in fact, is the creditor when I am the creditor Pursuant to 15 U.S. Code 1692a ( 4 ) ;
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| 09/21/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
To whom it may concern : Please note that that this is not a refusal to pay off the account, but a notice sent as per the Fair Debt Collection practices Act, 15 USC 1692g Sec. 809 ( b ). The notice states that your claim is disputed and validation of the account is required.
This notice is not a request for verification of the account or proof of my mailing address, but a request for validation made pursuant to the FDCPA laws. I humbly request that your agency/office sends me valid proof that I am legally obligated to pay you.
Please provide me with the below mentioned things : * The amount you claim I owe you * Explain and show me how you have computed the amount * Send me the copies of any documents that prove I agreed to pay the alleged amount * Identify the original creditor * Confirm that the account has not crossed the SOL period * Prove that you're a licensed debt collector XXXX Show me your license numbers and registered agent.
I would like to inform you that in case your agency has reported invalidated account information to any of the 3 main Credit Bureau 's such as XXXX XXXX XXXX then it will be regarded as a fraudulent action under both the federal and state laws. Due to this reason, if any negative item is reported to any of my credit reports by your agency or the agency that you represent, then I will be compelled to take legal steps against you for the below mentioned reasons : * Violation of the FCRA * Violation of the FDCPA * Defamation of character If your agency can provide me with the requested documents, I will need minimum 30 days to investigate this information, and during this period of time, all collection activities must be stopped.
I would like to further inform you that if any action is taken ( during the validation period ) which could be regarded as detrimental to any of my credit reports, then I will seek advice from my attorney for lawsuit. This includes listing any information on a credit report that could be incorrect or invalidated, or confirming an account as correct when in fact there is no provided proof that it is.
If your agency/company fails to respond to this debt validation request within a period of 30 days from the date of your receipt, then the account information must be completely deleted from my credit report, and a copy of such deletion request should be sent to me at once.
I would also like to request, in writing, that no calls should be made by your agency or company at my residence or work place. If your agency attempts to make unlimited or computer generated calls to me or any third parties, then it will be considered harassment, and I will have no option but to file lawsuit. All future communications with me should be done in writing and sent to the address mentioned in this letter.
It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose.
Sincerely, XXXX XXXX
|
| 03/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
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My daughter who attended XXXX University in XXXX, NE lost her job due to covid19, was attending college via online classes only and attempted to relinquish the apartment lease she signed for months. Explaining to them that she is unable to maintain the lease and continue to pay the rent when she moved home to XXXX, NE and was not in XXXX for any reason. She paid rent from XXXX until XXXX of XXXX despite not living in the apartment. We communicated to The XXXX XXXX employees numerous times that she needed help to relinquish the apartment/lease. The apartment employees are young adults with no manager available to further communicate my complaints to although I was told the regional XXXX would speak to me, that never happened. We attempted to find another person to move into her apartment and take the lease over. Anyone can sign a lease at The XXXX XXXX, they are not student only housing. We posted the apartment on XXXX 's student housing page and lists, on multiple social media sites. We had a couple of male students that were willing to take the lease over but were told the person had to be female.
A leasing agent for the view called my daughter early in XXXX XXXX saying that they were able to find someone to take over her apartment. We drove to XXXX, cleaned the apartment and turned in all of her keys.
She has not had access to this apartment since mid XXXX of XXXX.
The leasing agent took possession of her keys and did not have us sign anything or take any further action. At this point we thought we had relinquished the lease.
The view contacted us a few weeks later stating the applicant did not move in and we were responsible for the rent.
This was extremely unprofessional and continued to be stressful to manage.
I co-signed for my daughter.
The view apartments have had another occupant in her apartment since XXXX.
I obtained legal counsel to manage this account but National Credit Systems has reported the collection to the credit bureaus for {$5300.00} despite me disputing this account and amount owed. My daughter is graduating from XXXX on XX/XX/XXXX but the amount owed includes rent through XXXX of XXXX.
My legal counsel is XXXX XXXX with XXXXXXXX XXXX XXXXXXXX in XXXX, XXXX XXXX XXXX XXXX.
XXXX, NE XXXX.
This firm has not had been successful with The XXXX XXXX or National Credit Systems returning requested communication. Furthermore both companies have reported to my credit while I am actively disputing this action.
The XXXX XXXX in XXXX, NE is owned by a company out of Florida for which we have had difficulty attaining further information.
I have worked tirelessly over the past few years to pay off my debt with the hopes of purchasing a home to now be faced with this collection added to my report.
I am not sure what else to do but I will take all legal action to fight this unethical collection. I am a XXXX and XXXX XXXX at The XXXXXXXX XXXX XXXXXXXX in XXXX, NE. as well as a single parent struggling over the past year!
Please help!
XXXX XXXX XXXX XXXX XXXX
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| 11/23/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX I received an email from my credit monitoring service. It informed me that my credit score had dropped a tremendous amount of points. I logged on and found that National Credit Systems had illegally posted an alleged collection account to my credit profile. Prior to the email, I have never heard of nor had an account with this company. My report shows that it is an open account and was opened on XX/XX/ with a balance of {$6500.00}. I had no knowledge of this company nor this alleged debt. I have never had any dealings with this company. By federal law, a debt collector is supposed to make contact with an alleged debtor and give them 30 days to validate or dispute. I never receive a letter in the mail that gave me 30 days to validate or dispute this account. I never received a letter stating that I have an alleged debt with this company and owe a balance on that account. Again, I have absolutely no knowledge of this account with them. I understand that, under the FDCPA guidelines for collection agencies, they have to provide ( 1 ) proof that they are the original holder of this debt and can legally hold me responsible for paying this debt and ( 2 ) contractual proof of obligation or an assignment SIGNED from an officer from the original creditors corporation that I am supposed to pay them. 15 USC 1692g Sec. 809 ( b ) of the Fair Debt Collection Practices Act ( FDCPA ) grants me the right to request validation of this alleged debt they say I owe. I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. If I would have gotten anything in the mail or phone call from this company before they illegally reported to my credit report, I would have respectfully requested evidence that I am the person they are asking to pay this debt and a contractual obligation that legally binds me to pay them this debt. Upon them receiving my validation letter, they would have to legally cease from collection calls, letters, and efforts and delete the account from my credit files until they can validate this debt. But again, I never received such a letter about this account or phone call ever in the mail. They have illegally posted and reported to my credit file without adhering to the FDCPA laws. Im not sure if this company is a scam, but I know that this company has broken FCRA and FDCPA laws by reporting an alleged account to my credit report without informing me through mail or phone and I did not receive notice of right to dispute nor did I receive enough information to verify that the alleged debt belonged to me. My credit score has dropped tremendously in the middle of making a major purchase. Please help me get his account removed immediately. I'm preparing to sue under the FCRA and FDCPA because of the damages to my credit and opportunity costs with making a major purchase and business ventures that have to be delayed until this illegal account is removed. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX
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| 03/27/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX Complaint Department/ Credit Dispute National Credit systems .
Dear Sir or Madam : I am writing to dispute the following information in my file with you company. Ive done my due diligence as a Consumer or reaching out to XXXX XXXX XXXX. I received no clear direction, Ive sent multiple letters and emails with No Response. I fulfilled my response requirement as required by FCRA Laws. Ive been working at this for about ( 4 ) months with no response.
The information provided by XXXX XXXX is inaccurate due, to incorrect status reporting and incorrect amount owed provided to you company.
Issues : Inaccurate status reporting. ( I gave company written notice, I stated I would be moving verbally, also written from the documentation provided by the apartment complex ).
Assistant Manager stated it was okay to move. I moved out on the XXXX of XXXX. However, I provided my keys back to the apartment complex on the XXXX of XX/XX/XXXX.
Apartment complex lagged in their response to provide accurate data with key return request.
I contacted Fair Housing on the XXXX of XXXX stating I was a victim of Identity theft which was causing my funds to be held a XXXX XXXX. Fair Housing advised, I could move out and only be charged the backed rent and a prorated charge from XX/XX/XXXX XX/XX/XXXX. Due to my lease starting XX/XX/XXXX. My fees should be as follows.
Past Due Balance of - {$1300.00} Key Return Date XXXX XXXX XXXX ) {$2300.00} however, I moved out on the XXXX. This amount should be prorated to equate to XXXX.
Balance Owed should be = XXXX plus.
Utility Bills- Utility bills provided by company are inaccurate I went down to office multiple times stating, I double paid utilities. Under Management direction, I reached out to the utility company and they also stated I was dually charged. I have proof of my XXXX XXXX XXXX bill stating I was already charged and paid for utility bills.
I do not agree with the purposed XXXX amount. I let the GM know that I was told the only amount I would have to pay was a XXXX amount. Which I agreed to pay I will not be responsible for any additional charges from this company. I agree to pay the XXXX . Any additional amounts I do not agree to pay.
FCRA NOTICE : While an Item is in dispute with a collector. A Collection agency is unable to report said balance to credit bureau. I am within my rights to dispute this information and well within the ( 30 ) day response time to dispute this item. First contact from National Credit Systems was XX/XX/XXXX via phone.
Resolution request : I would like to request the accurate balance be updated and the company provide details of their findings. If the company can not reach an agreement with this company, I would like to solve this matter in a court setting. I agree, to come to an agreement with this company and pay the XXXX $ owed to National Credit Systems, should XXXX XXXX agree with my purposed amount. Thank you.
Sincerely, XXXX XXXX Contact Information : XXXX XXXX XXXX XXXX, CA XXXX Phone : XXXX
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| 09/17/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Recently became aware of a derogatory item that has been reporting inaccurately on my credit report since XXXX. On XX/XX/XXXX of XXXX I moved out of XXXX XXXX apartments after satisfying the requirements of my lease. I had signed a 12 month renewal that began on XX/XX/XXXX and expired XX/XX/XXXX. I lived there from XXXX until moving out in XXXX. Prior to leaving, I provided written notice as requested in the lease agreement, and also made sure that the apartment was left in a better condition than when I moved in. After cleaning the place top to bottom and taking pictures of each room, I left for good. It was only recently that I found out that National Credit Systems has a collections account for almost {$2600.00} that I was never made aware of under my rights of the FDCPA. I contacted them directly to dispute the debt and they sent me a copy of my lease along with an itemized claim of inaccurate damages. First and foremost, for over 4 years now they have inaccurately reported the creditor as " cross lakes apartments ''. On top of that, the claim is for 2 months of unpaid rent and late fees for the months of XXXX and XXXX of XXXX. My lease expired in XXXX! Why am I being harassed for 2 months of rent payments that I was no longer liable for? Third, all of the miscellaneous cleaning fees claiming damages outside of normal wear and tear are just a joke. I have photos to this day that show a complete different story. The bedrooms, bathroom, living room and kitchen were all immaculate when I left and photographed them. Furthermore, I lived there for 5 years, and I know that the carpet is replaced after a tenancy of that long. Charging {$150.00} " carpet cleaning fee '' is absolutely ridiculous after I had paid a cleaner to come do it prior to leaving. On top of all of this, they had the audacity to add on a {$730.00} " collections fee ''. I asked why I was never provided written notification of the debt as required by federal law, or allowed the opportunity to dispute it before now. I was told by the representative that they " called and left messages ''. I asked what phone number they were calling and she gave me phone numbers that belonged to my relatives. She told me that they didn't have my address to send me written notice. I advised her that by law they are required by law to provide WRITTEN notification, as well as ensure the accuracy and validity of the debt being claimed in order to legally report to the credit bureaus. I reminded her again that they didn't even have the name of the original creditor correct that they have been reporting for nearly 5 years now, as well as attempting to collect debt that is not legally owed due to being outside the dates of my contract. I requested immediate deletion of this due to being in blatant violation of the FDCPA and being inaccurate and unverified, but the representative refused to comply. I have reported to the XXXX as well, and am preparing to exercise my legal rights to recover any damages to which I may be entitled.
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| 07/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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In XXXX 2015, I looked into securing an apartment for my daughter who had just XXXX from University XXXX XXXX, TX and had accepted employment with a XXXX company. We toured the " District at XXXX '' and decided that my daughter would like to live in this apartment complex. I then proceeded to write XXXX checks ( {$200.00} and {$170.00} ) to complete the application/administration and background check process.
Several days later the district informed my daughter that the checks I wrote were returned as NSF checks. I immediately contacted my credit union and they confirmed that there were sufficient funds in my account to cover these amounts and that there was no shortage of funds in my account that would have triggered this issue.
I then called the leasing office and tried to explain this matter to the agent. Since the leasing agent could not comprehend this issue I asked to speak to the business/accounting office. An employee in the business office spoke to me briefly and was extremely uncooperative towards me even after I offered to send a copy of my bank statement that would have clearly shown that there were adequate funds in the account.
In the next 2 weeks I tried to contact the business office only to be told that they would not take my calls. The issue became compounded since I live in XXXX and could not drive down to the Apartment complex ( in XXXX ) without advance planning and inconvenience to my schedule. Since my daughter had to report to her new job on XXXX XXXX, we had to search elsewhere to secure a place for her to live.
On XXXX XXXX, a debt collector ( from National Credit Systems ) named XXXX XXXX called my daughter and threatened and intimidated her, demanding that she pay {$470.00} immediately. My daughter was extremely traumatized by XXXX XXXX 's telephone call. I later called the collection company only to be bullied by XXXX XXXX repeatedly. I then called the " District at XXXX '' but they again refused to speak to me. I then sent them an email asking for an explanation.
I received a reply from the manager - XXXX XXXX with an attachment that shows that they attempted to collect on the XXXX checks I had written, but the way in which they presented it to my credit union was incorrect. In fact the account number was correct but the account holder 's name they used was my daughter 's name and not mine. I immediately emailed the manager and pointed out the error. She then replied and stated in her email that she would waive some of the charges but I would have to pay {$170.00} in the form of a money order and once they received these funds they would contact the collection agency and instruct them to stop harassing my daughter. In order for my daughter to have peace of mind we decided to pay the {$170.00} immediately.
I have the email trail with file attachments from the " District '' that clearly shows that they made an error but they continue to try to extract money from unsuspecting customers.
I can be reached at XXXX XXXX XXXX if needed.
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| 06/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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AS OF MY XX/XX/2022 COMPLAINT, I got a notification about my credit report.
INCOMPLETE ACCOUNT NUMBER FOR XXXX XXXX XXXXXXXX INCOMPLETE ACCOUNT NUMBER FOR NATIONAL CREDIT SYSTEM- XXXX In the documents uploaded below you will see XX/XX/2022 updated credit report. One from XXXX XXXX and the other from XXXX. I have still not heard from either company. However XXXX sent me an email stating that the company has verified the accounts with them and they are accurate. In my letter to XXXX I requested to be notified by mail as I had done for them, not to be replied to on a service website.
1. There are still dates that are conflicting.
2. They have not given ME verification 3. They have not provided me the procedure in which they have investigated it and who did the investigating.
At this point, I have been denied jobs, I had to have my credit report run just so that I can be my fathers over-seer ( POA ) for the VA. They have given a certain amount of time to get this situation rectified or they may dismiss me to look over him. This is very troubling because I know for a fact I NEVER SIGNED OR EVEN UNDERSTAND THESE ACCOUNTS. They are not complying with the federal laws that I stated in the last complaint. This is troubling due to the fact my father served 24 years in the military and Im the only one that is taking care of him and I am facing loosing my responsibility that was given to me because of these two companies. I have attempted to apply for two things of which of course I was denied, in hopes to build my credit. I am desperately pleading for your help, as I attempt to just maintain my life and well being of my father.
In detail : as of XX/XX/2022 XXXX XXXX still reporting : ( XXXX and XXXX ) - XXXX XXXX -incomplete account number -DATE OPENED is conflicting -LAST REPORTED DATE is conflicting -DATE LAST ACTIVE is conflicting *Conflicting information between the two credit monitoring companies reported National Credit System reporting : XXXX XXXX XXXX XXXX, XXXX XXXX - XXXX XXXX Incomplete account number DATE OPENED is conflicting LAST REPORTED is conflicting DATE LAST ACTIVE is conflicting XXXX - ( report from XXXX ) -Status Date conflicting -Account Type - Open Account -Balance Updated Date conflicting -Payment status conflicting XXXX - ( report from XXXX ) -Balance Updated Date not reported -Status Date conflicting and not a complete date -Payment Status conflicting XXXX ( report from XXXX ) -Status Date conflicting -Balance Updated Date conflicting -Terms reported not valid -Payment Status conflicting *The address for National Credit System was not the correct one when I went to send my certified mail. I realized that at the bottom where the address for the company is, one address was different then the other ( the one I wrote was wrong ), and one of the posted company names is spelled with a " S '' on the end and with a different address. How can trust this company to validate my information when their Information is not consistent for their own company.
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| 04/28/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I and my sibling were renters in an apartment complex and failed to give our 60 days vacate notice. Our lease agreement states that we " will be responsible for an additional months rent '' ( $ XXXXmonth per lease agreement ) if the vacate notice was not given, yet we were charged an 'Insufficient Notice Fee ' of {$1500.00}, which is over double the {$730.00} monthly rent. While we agreed to jointly bear the responsibility of said debt as our two names were on the lease, we were not in the financial place then to pay the amount the apartment company was asking. We mutually agreed to let the bill go to collections and we would revisit it at a later date when our finances would allow.
During this time the collection agency, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX, sent the bill to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXXXXXX XXXX XXXX. I contacted said Law Office twice on XX/XX/, once shortly before XXXX XXXX and then again around XXXX. I was transferred to the same employee each time.
During both calls, I explained that I wanted to pay my half of the total debt ( {$900.00} ) while I was on the phone and to have it taken off of my credit report. The employee stated on each call that " we don't get into personal matters '', " it's not possible to split the debt up '', and " there is no such thing as half of the debt. '' I was then told that I could pay 50 % of the total ( {$900.00} ) and the collection would be marked closed, on mine and my siblings credit reports, or I could pay 80 % ( {$1400.00} ) of the debt and it would be closed and removed, again from both mine and my siblings credit reports.
I tried to explain that that was not fair as I would be paying at least half of the debt and the other debtor, my sibling, would not be paying anything yet would still be reaping the benefits of having the collection come off of his report. I was told " and it would work the same way if the other party was calling to pay the debt. '' I asked the employee to acknowledge the fact that " no matter who was paying the debt, it would be unfair as the other party is not paying anything and still reaping benefits. '' The employee then said " we went into a business to make money, not to be fair. '' I admit, at this point I lost my patience and asked " Then you do realize what a [ expletive ] business you work for? '' The employee began to mock saying that I can " call back when you have the {$1400.00}! '' I replied " I'll pay the {$900.00} right now. I have my debit card in my pocket, I'll pay the {$900.00} and you can just close the account. '' but the employee repeated themselves, laughed quietly, and then ended the call.
As there are only two people on this debt, I feel it is an attempt to collect money that I do not owe if I want this taken off of my credit report. I should not be made to pay 80 % of a debt to close it and have it off of my credit report if there are two parties responsible for the debt.
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| 11/24/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, are in violation! I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' ( Furnisher of information to credit agencies ) the financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law XXXX and XXXX are consumer reporting agencies and I am the Consumer According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.
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| 11/29/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Consumer Department : I have recently checked out a copy of my credit profile and unfortunately, it has come to my attention that some of my personal information is incorrect. If you would please be so kind as to delete this inaccurate information from my credit profile within the next thirty days, I would greatly appreciate it. Ive listed the details on my personal information in which you are inaccurately reporting and must remove right away. Please see below : My name is XXXX XXXX XXXX. I do NOT have any requisite OTHER NAMES or aliases and I do NOT desire any OTHER NAMES or aliases to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
My current and only address is XXXX XXXX XXXX XXXX, XXXX Washington XXXX. I do NOT have any requisite OTHER CURRENT addresses and I do NOT desire any OTHER ADDRESSES to be retained or reported, if ANY DELETE NOW or produce PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
You are not authorized to report my Social Security Number on my credit report or sell any information containing my Social Security Number to any company. Reporting my social security number on my credit report arises a safety issue and opens me up to potential identify theft. Immediately Delete any and all social security numbers that your company is reporting on my credit report.
My date of birth is XX/XX/1988. I do NOT have any requisite OTHER Dates of Birth and I do NOT desire any OTHER Dates of Birth to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
I do NOT have any requisite telephone numbers and I do NOT desire any telephone numbers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights. I do NOT have any requisite employers and I do NOT desire any employers to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
I do NOT have any requisite spouses nor roommates nor co-applicants and I do NOT desire any spouses or roommates or co-applicants to be retained or reported, if ANY DELETE NOW or product PROOF of your legitimate AUTHORITY to retain much less report without infringing my consumer rights.
Thank you, in advance, for honoring my requests. Its my understanding that you have up to thirty days to follow through on my request so if I dont receive any updates from you within that time frame, then I know that these inaccuracies must be removed automatically. Once you have removed the inaccurate information I would like my full completed and corrected credit report showing these changes mailed to XXXX XXXX XXXX XXXX, XXXX Washington XXXX. Thank you.
Sincerely, XXXX XXXX XXXX
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| 08/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXXXXXX XXXX XXXX Phone : ( XXXX ) XXXX Account # XXXX On XX/XX/XXXX, I wrote to you requesting an investigation into items that I believed were fraud, inaccurate, and falsely reporting. To this date only response that I have received was computer-generated letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX - XXXXXXXX XXXX, ( XXXXXXXX XXXX XXXXXXXX ) ; you may be liable for violating the Fair Credit Reporting Act ( FCRA ) by recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of discharged accounts.
I have requested that NATIONAL CREDIT SYSTEMS provide proof of alleged items. I request to be provided with specifically the original application, contract, note, or another instrument bearing my signature.
In addition, any the contract signed between NATIONAL CREDIT SYSTEMS & the original creditor, notarized and sworn under penalty and perjury NATIONAL CREDIT SYSTEMS ability to collect this alleged debt.
I request this under 15 U.S. Code 1692g - Validation of debts. If information is not provided or the false reporting isnt removed ; as in XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX ( XXXX XXXXXXXX XXXX ), you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The following information therefore needs to be reinvestigated.
Please send all validating records through the CFPB and certified mail to my address. I have uploaded a copy of my ID showing my mailing address.
Failure to respond satisfactorily with deletion of the above referenced account and a free copy of my report after the changes have been made will result in the above actions being taken against your company.
Under federal law, you have 30 days to complete your reinvestigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well. Please provide this information within 15 days of the completion of your reinvestigation. I demand that these accounts be deleted immediately, or I will file litigation. I demand that these accounts be deleted immediately as I will seek litigation and {$1000.00} per violation.
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| 09/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- Electronic communications
- You told them to stop contacting you, but they keep trying
|
|
Web |
Servicemember |
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On XX/XX/XXXX, I discovered a notice on my door from the XXXX XXXX XXXX XXXX XXXX, alleging that I was past due by approximately {$3000.00} in rent. This notice was perplexing, as I had not received any prior communication regarding late fees or a rent increase. I'd like to emphasize that I consistently paid my rent, either through the apartment portal or by money order, adhering to the agreed-upon amount of {$810.00} as stipulated in my lease contract.
Before XXXX, I encountered some payment issues and promptly informed XXXX XXXX, whom I met in person at the office. I explained that there had been an error in my paycheck by the United States XXXX XXXX XXXX department, which might result in a delay in rent payment. XXXX kindly assured me that she would waive any late fees due to this unforeseen hardship.
However, when I received the notice, I visited the office to seek clarification. XXXX presented statements indicating that we owed a differential amount based on a new rate. I requested evidence of any prior notices or letters regarding the rent increase or late fees, but she couldn't provide any. According to the law, eviction notices must be written and served, which never happened in my case. My husband and I had informed the leasing office that we would be relocating due to PCS orders and XXXX orders, scheduled for XXXX.
Furthermore, it's important to note that a landlord can not evict a servicemember or their dependents from their primary residence without a court order, and the court has the authority to adjust lease obligations to protect the interests of both parties ( XXXX XXXX. ).
I believe that the leasing office 's actions violated our rights as service members and were not in compliance with the law. They also sold the debt to a third-party collection agency, despite having written it off as a charge-off, resulting in the collection agency attempting to collect the debt. This has had a negative impact on my credit, and I request that the collection be removed and compensation for the damages incurred.
Additionally, the leasing office failed to return our security deposit and did not provide an itemized list of deductions within the required 60 days, which they are now two years late in doing. I have provided documentation, including my lease, to demonstrate that no notice was ever given regarding a rent increase or accumulating late fees due to our hardships or deployment.
In summary, I am seeking resolution for these issues, including the removal of the collection, compensation for damages, and the return of our security deposit with the required itemized list of deductions. These actions were taken in violation of our rights as service members under the SCRA, and I believe it is essential to rectify these matters appropriately. I also took the initiative to attach complaints and better business bureau rating from other residents who have been discriminated against or have issues with the leasing office administration.
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| 08/24/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
Servicemember |
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National Credit Systems inserted a derogatory entry on my credit report without providing a dunning letter or any correspondence on the alleged debt that would have informed me that they were attempting to collect on the alleged debt. To that end, when I retrieved a copy of my credit report I noticed this inaccuracy and immediately sent a letter to the credit bureaus followed by National Credit Systems. The credit bureaus asserted that NCS had verified the debt.
In my request to NCS, I specifically requested that they provide : An agreement that states your authority to collect on this alleged debt ; Agreement with signature of the alleged debtor wherein he/she agreed to pay the creditor Alleged account number Date this alleged debt became payable Original delinquency date Verification that this debt was assigned or sold to collector Complete accounting of alleged debt Name and address of the bonding agent for collection agency in case legal action becomes necessary. NCS provided a response dated XX/XX/2020, for which I am just receiving, ( see attached ) and stated they did not have sufficient information to validate my claims. My letter was very specific. The mere fact that National Credit did not provide documentation that bore my signature, but only an arbitrary document reflecting arbitrary numbers is not sufficient. They failed to provide copies of any correspondence that should have been sent to me -- -which further justifies my position in them violating my consumer rights. This is a stall letter tactic National Credit Systems provided.
My dispute was very specific. I challenged aspects of the FCRA and FDCPA. I sought validation and not verification. Additionally, the law provides that when I first disputed this entry with the credit bureaus and the bureaus made contact with them, the account was technically supposed to be updated to disputed at that time and not when I followed up to direct dispute with them. This is a very misleading practice and a violation of my consumer rights.
They did not provide any documents that reflected a complete accounting of the alleged debt. National Credit Systems inserted this unverifiable, inaccurate entry on my report without providing me opportunity to dispute the validity of their alleged debt and second, they did not cease reporting of this entry with the credit bureaus after they were in receipt of my dispute. These are direct and blatant FDCPA violations. National Credit Systems must immediately delete this erroneous entry from all of my credit reports.
If they indeed are alleging that I owe them, why did they not provide copies of correspondence they have sent? Why did they not provide any documentation to substantiate the alleged amount? This entry lacks veracity and thus places and proves the doubt I have on the validity of this debt.
Delete this entry immediately and provide me a copy of the correspondence sent to the bureaus to direct them to remove this erroneous entry.
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| 05/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I will like to first inform you I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising rights and applying the federal laws put in place to protect me the consumer. This is a response to the claim # XXXX XXXX has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. Congress makes it clear that any contract or conspiracy that causes a restraint of trade and commerce is illegal. I was not provided adequate notice and I received no benefit for this transaction which constitutes unauthorized use of a credit card. The provision of the CFPB that prohibit unfair, deceptive, and abusive acts and practices in connection with the offering or provision of consumer financial products or services. The following XXXX in the resolution section have committed Constructive Fraud on my consumer report, which violates the FCRA & FDCPA. Online Information Services is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C.1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that you are a licensed debt collector *Chain of Title *Proof that you are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C 9-210.This authenticated record must include all tax filings ( including all XXXX 's, XXXX 's, and XXXX 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. XXXX response they stated Information has modified which mean the failed to comply with the FCRA under 15 USC 1681e ( b ) ensuring maximum possible accuracy when preparing my consumer report causing damage to my financial reputation. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have these XXXX XXXX deleted from my consumer report. XXXX never provided any contract to prove this information is 100 % accurate or verifiable therefore must be deleted from my consumer report immediately.
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| 10/18/2017 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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There was more than repeated calling taking place in my situation. I work over night so I sleep during the day and I keep my phone in 'do not disturb ' mode so that my phone wo n't ring unless it is an emergency. Consecutive calls will override the silencing function and cause any repeat calls from the same caller to ring out. In stead of leaving a message in my voice mail, National Credit Systems would place consecutive calls to me so that my phone would ring and wake me up. They would call me from varying numbers with a XXXX area code. I did n't recognize the number and I was trying to sleep so I did not answer their calls until XX/XX/XXXX when they had finally called me during a time when I was awake. I spoke with XXXX XXXX on that day and she told me she had calls and spoken with me on XX/XX/XXXX around XXXX XXXX and that, on that date, I told her I would pay the debt I allegedly owed them on XX/XX/XXXX. She told me that the debt I owed was an unpaid balance from an apartment I had rented with two other people back in XX/XX/XXXX. I told her I had no knowledge of the debt and that when I vacated the apartment in XX/XX/XXXX my balance was paid in full. XXXX XXXX then became angry and essentially accused me of lying about not knowing about the debt because she had a note on the account that she herself spoke with me on XX/XX/XXXX around XXXX at my phone number. She began to threaten to mark the account as a refusal to pay if I did n't give her payment information at that very moment. I told her again I had no knowledge of the debt and that I had no knowledge of the debt but that only caused her to become more angry. To calm her, I told her I would contact my ex roommates for her and have them call her since she had claimed to have been unsuccessful in her attempts contacting them herself. She agreed to hold off on marking the account as a refusal to pay while i attempted to contact my ex roommates. My one roommate posted a payment a little later in the day after speaking with XXXX XXXX and her supervisor, a male whose name I do not know. Before that roommate contacted XXXX XXXX on XX/XX/XXXX I checked my phone records for the day she claims to have spoken with me and I found that there was a call received by my phone on XX/XX/XXXX at XXXX but the call was not answered. I had called her back requesting to hear the recording she claimed to have of the conversation with me on that day but she refused to let me listen to it without a subpoena. I terminated the call, contacted the roommate and informed him about what had just taken place, then I immediately contacted a law firm that specializes in these matters. I could only get a receptionist and I am currently waiting for one of the attorneys to return the message I left with the receptionist. In addition to the above offenses, I never received any written notification of any funds owed and am still unsure exactly what they were claiming I was liable for.
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| 01/15/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I, along with 3 other roommates rented a 4 bedroom apartment at XXXX XXXX XXXX XXXX, XXXX, Illinois XXXX from XXXX XXXX XXXX ( XXXX ) in year XXXX. I signed here as I am a XXXX at the University XXXX XXXX, XXXX ( XXXX ). The four of us signed a joint lease with a rent charge of $ XXXX/month each. The lease was from XX/XX/XXXX to XX/XX/XXXX. I also paid a security deposit of {$540.00}. The total security deposit paid for the entire apartment by all four of us was {$540.00} x 4 = {$2100.00}.
In XX/XX/XXXX, I signed a lease with XXXX for another apartment in the same building for XXXX XXXX XX/XX/XXXX. The lease was a joint lease with 2 of 3 of my previous roommates. We signed to pay a rent of $ XXXX/month. XXXX asked us to pay the difference of our old rent ( {$540.00} ) and new rent ( {$650.00} ) as the security deposit. Thus, each one of us paid $ XXXX $ XXXX {$100.00} for the deposit, in addition to the {$540.00} they already had as a deposit. In total, I had paid {$650.00} for my security deposit with XXXX.
In the middle of this XXXX XXXX-XXXX XXXX lease, the apartment complex was bought by a new property management company, XXXX XXXX. We were told that the signing of our next XXXX XXXX-XXXX XXXX lease is still valid, as all previous leases would be transferred to XXXX XXXX.
In XXXX of XXXX after move-out, I received a charge of {$670.00} from XXXX XXXX, citing cleaning charges, carpet replacement, and repainting. This charge was for the full apartment of 3 people, and yet I was the only one to receive it. The charge per person should have been $ XXXX/3 = {$220.00}. We returned the apartment in the same condition we received it. For using this apartment of 1 year, the charge of ~ {$670.00} seems excessive and unilateral. Additionally, I have photographic evidence of damaged carpet during move-in, which XXXX XXXX is attempting to charge us for.
I have yet to receive my security deposit of {$650.00} back. XXXX XXXX, as per the law, is supposed to send the deposit back within 15 days of move-out. However, it has been 5 months and still my deposit has yet not been returned.
Instead, on XX/XX/XXXX, I received a letter from the National Credit Systems Collections Agency stating that I owed a debt of {$670.00} ( the full apartments cleaning charges ) to XXXX XXXX, which is factually incorrect. Instead of giving me my deposit back, I was charged the cleaning charges for the full apartment which is again incorrect. I sent the National Credit Systems a description of what had occurred to no response. I also tried to talk to various employees but left to only leave voicemails that were never returned.
I tried to resolve this issue by speaking to the property manager of XXXX XXXX on XX/XX/XXXX. He assured me that he will get back to me by XX/XX/XXXX with resolution. However, as usual, XXXX XXXX property managers have failed to get back to me in a timely manner and resolve the issue.
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| 03/13/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American |
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I am writing in response to a phone call on XX/XX/2018 because I do not believe I owe what you say I owe. This is the first I've heard from you, or any other company on this matter therefore, in accordance with the Fair Debt Collection Practices Act, Section 809 ( b ) : Validating Debts : ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
I respectfully request that you provide me with the following information : ( 1 ) the alleged amount of the debt ; ( 2 ) the name of the creditor to whom the alleged debt is owed ; ( 3 ) Provide a verification or copy of any judgment ( if applicable ) ; ( 4 ) Proof that you are licensed to collect debts in Florida Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. For instance, I know that : because I have disputed this alleged debt in writing within 30 days of receipt of your dunning notice, you must obtain verification of the alleged debt or a copy of the judgment against me and mail these items to me at your expense ; You can not add interest or fees except those allowed by the original contract or state law.
you do not have to respond to this dispute but if you do, any attempt to collect this alleged debt without validating it, violates the FDCPA ; Also be advised that I am keeping very accurate records of all correspondence from you and your company including recording all phone calls and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau.
I have disputed this alleged debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgment without validating this alleged debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
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| 04/18/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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Web |
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I was never contacted about this debt or given a chance to respond to it. I don't believe the debt to be valid and I am currently gathering evidence to dispute it. This alledged debt was never verified and placed on my credit report without anyone ever contacting me at any point in time by any medium.
On Saturday XX/XX/XXXX, I received a notification from XXXX that my credit score had changed. I pulled my XX/XX/XXXXand XX/XX/XXXX credit scores and found that I had a complaint against me from a company called national credit systems. This was for another company called XXXX XXXX. I called them both on Monday XX/XX/XXXX and it turned out that XXXX XXXX received a claim from an old apartment that I used to live at called XXXX house apartments.
On Monday the manger of XXXX house apartments informed me that XXXX house apartments decided to replace the carpet after 7 years. I had lived there XXXX of the time. They charged me XXXX of the cost of a new carpet. I'd asked why they never informed me of this, she claimed to have sent a letter to an old address of mine on XX/XX/XXXX. I'd never received this letter despite living there at the time and having mail forwarding for this address until XXXX or XXXX. They also had my phone number and email address and never bothered to message me on those mediums either.
My last contact with XXXX house apartments was with the XXXX who had told me that due to covid ( in XX/XX/XXXX XXXX that they wouldn't do a formal walkthrough with me. She'd told me that I was XXXX, and there were no observed damages.
Apparently. sometime last year they made the decision to replace the carpet on my dime, despite there being no clause in the lease allowing that. As replacing normal wear and tear isn't something covered by the lease. They sent it to sure deposit as a claim.
Then sure deposit says they don't actually attempt to contact people. They sent it on to national credit systems for collections. National credit systems claim to have sent a bill in XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXMi. Which I had moved out of in XXXX of XXXX. My mail forwarding from that address lasted 3 months from XXXX of XXXX to XXXX of XXXX.
If they actually sent a notice to the wrong address 6 months after I moved out, I would have no way of actually getting said letter. They also never called or emailed me, despite sure deposit a subsidiary having a copy of it. The representative I spoke to claimed that they called my number, but was unable to produce any logs of the calls. They also reported the wrong phone number as mine on my TransUnion credit report. I believe they called the wrong number.
I actually rented an industrial rug washer from the hardware store and washed/cleaned the carpet before turning the keys over on XX/XX/XXXX into a dropbox because of covid the office at XXXXXX/XX/XXXX apartments would not meet me in person.
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| 06/02/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I resided at an apartment complex from XX/XX/XXXX-XX/XX/XXXX. I was signed on to the lease a few weeks after the original leaser ( my roommate ). After graduation, I left the apartment complex a few weeks before my roommate, as I was moving out of state. I called the complex and confirmed with the apartment complex leasing department that the account had been paid in full. My roommate was issued a refund on her deposit, though the complex had taken money out of the deposit, she still received a refund. Although the account was paid in full to the apartment complex, I paid my roommate {$150.00} dollars to cover my share of what was taken out of her deposit and any final utilities.
Fast forward two years, in XX/XX/XXXX, I received an alert on my credit regarding a collections account from XXXX XXXX XXXX XXXX. Considering the account was paid in full and that I, nor my roommate, had never been contacted by the complex via phone, email, mail stating there was now a balance due, I have no knowledge of the account, nor believe it to be a valid debt. As such, I disputed the collections with the credit bureaus. XXXX and XXXX deleted the account from credit report within 2 business days. XXXX refuses to.
I submitted my initial dispute with XXXX in XX/XX/XXXX ( Dispute # XXXX ). It took over 2 weeks from them to return to me stating that they confirmed the account belonged to me. I called on XX/XX/XXXX to inquire about their finding. I explained the situation above and asked if they had obtained proof of the validity of the debt, such as a final bill. The rep told me that they just confirmed it belonged to me. I then brought up the fact that the other two bureaus launched a similar investigation and have since removed the account from my report and asked about why XXXX findings were different. The rep immediately changed his story and advised that I had not filled out the dispute correctly, hence the discrepancy ; however, he would submit a new dispute ( correctly ) on my behalf to get the account deleted for me. I asked how I completed my original dispute incorrectly, as I followed all of the online prompts, and he essentially told me not to worry about it, since he was going to submit the dispute correctly for me.
The rep submitted a second dispute on XX/XX/XXXX that concluded with the same results as the first dispute on XX/XX/XXXX. He submitted the exact same information as my initial dispute, which resulted in the same findings - that the account belonged to me, when I specified that I wanted them to confirm that the debt was valid.
Though this particular complaint is primarily for XXXX, the apartment complex in question has a reputation for doing this to previous tenants and probably be investigated as well. I have attached numerous complaints from prior tenants ; however, I understand if this is outside of the scope of the CFPB.
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| 11/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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National Credit Systems , Inc . Spoke with XXXX XXXX at XXXX.
I received an alert from my credit monitoring company on Friday, XX/XX/2022, that an update to my credit file was available, when checking my account, I found that National Credit Systems , Inc. had placed a collections account on my credit file, which instantly dropped my credit score by approximately XXXX points. I contacted XXXX XXXX and explained that I had received calls and letters from his company and spoke with them and told them and XXXX XXXX that this account was not mines. I explained that I have only lived in XXXX and that my daughter, resides in XXXX XXXX and that we do have the same first and last name, but our Social Security numbers are not the same. XXXX XXXX stated that the leasing company XXXX XXXX hired National Credit Systems , Inc. to collect the outstanding lease balance due and gave him information with my name, social security number, address and phone number. He also stated that my daughter used my social security number to secure the lease property. He stated that he could not provide me with any documentation that shows that her application for this lease that was applied for and approved on-line, but that my daughter needed to contact the leasing company. I told XXXX XXXX that I am familiar with skip tracing practices and that is the only way that he could have tied my personal information with that of my daughter based on us having the same name and that she once resided in XXXX. I asked XXXX XXXX to supply me with documentation that proves that my daughter used my personal information on line to be approved for this lease and he stated that he did not have anything from the leasing company other than my personal information. XXXX XXXX asked me to supply him with a copy of my Driver 's license, Social Security Card and Credit Report. I did not feel comfortable submitting any documentation to him, because it is not my debt. XXXX XXXX told me that I only had two choices, one was to pay the debt myself and try to get my daughter to own up to the fact that she used my identity, or to file a fraud/felony report on my daughter and threatened that she would be arrested and prosecuted. XXXX XXXX could not provide me with any documentation to prove that my personal information was used to apply for the rental home. Again, I believe that some sort of skip tracing was used to trace the aforementioned to me and my personal information. THIS IS NOT MY DEBT AND I WANT THIS REMOVED FROM MY CREDIT REPORT. I AM A XXXX XXXX AND I FEEL THAT SCARE TACTICS WERE USED BY XXXX XXXX TO TRY AND GET ME TO PAY FOR A DEBT THAT IS NOT MINE. HE EVEN TRIED TO GET ME TO PAY BY CREDIT CARD STATING THAT HE WOULD REDUCE THE AMOUNT OWED BY {$2000.00} IF I AGREED TO PAY THE DEBT. PLEASE INVESTIGATE AND HAVE THIS REMOVED FROM MY CREDIT REPORT, BECAUSE THIS IS NOT MY DEBT!
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| 05/04/2023 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The company name is through National Credit Systems for XXXX XXXX XXXX XXXX original creditor balance of {$9600.00} joint account opened XX/XX/XXXX last reported XX/XX/XXXX due to a dispute I mad said it met FCRA requirements still have not received no documents/information after contacting them that violates FCRA requirements, and them sending negations offers to pay bill in full at high ridiculous unrealistic amount that would take me more then 7 years to pay regardless. I contacted them various times regarding why there are charges of {$9600.00} wanting an itemized report on how they came up with this large amount of collection. This joint account was due to other non payer during Covid-19 that lost there job. The apartment were already in not good living conditions they were for XXXX XXXX next to XXXX XXXX XXXX the amount of money is unrealistic for the apartment realistically a studio I have photo still of how the apartment looked when we moved in, and many others in that complex has the same issues with ridiculous charges made fraudulently. In the small time period I lived there two new management teams were there they could not keep management. I tried contacting the office they were unresponsive and in the middle of training new management. I contacted the collections company I have never been treated so poorly before as if the stress of a XXXX XXXX with school depth with a XXXX dollar collection during Covid -19 was not stressful enough because an old roommate was not paying his bills. I tried to explain I wanted itemized documents on how they were getting that amount of money, and possible resolution I will not be able to pay that much money my self it would just have to wait 7 years to get dropped off. I know there was a Covid-19 relief to pay renters who were unable to live there XXXX cash to move out immediately because they did not want people not being able to get evicted. They transferred me to multiple representative all harsh, and still couldn't give me information said I just had to pay it. I ask them its my right to have documentation why I owe that much money they hung up on me I called back tried to make a complaint they transferred me to the management and supervisor line went straight to voicemail I left 5 plus voicemails never got back to me. I was so upset I cried and left it alone this has been ruining my credit, and I don't have a lot of depth I'm in XXXX XXXX struggling. Due to this my chances of renting on my own will be impossible. This company wont respond or give me information of the documents I asked for the charges are insane for those apartments there trying to exploit us on extra outrageous fees. I have seen the company 's reviews I'm clearly not the only person having this issue they have many many complaints. I have had a collection before where it was easy and handled professionally.
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| 12/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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We are writing this letter to your organization in regards to false information and charges by XXXX XXXX XXXX and National Credit Systems. In particular, we are incensed that this creditor is trying to export more money than is called for from the XXXX XXXX Magistrate court..
The collection agency and XXXX XXXX Apartments have both conspired to send false and incorrect information to the major credit bureaus. Substantiating information is described as follows : 1. On XXXX/XXXX/2016, the XXXX XXXX XXXX Court entered a Judgement on the Pleadings in the amount of {$1700.00} against the defendant ( s ). The judgement amount included court filing fees, bills due for water, a trash pick-up fee and included past due rent amount accruing from XXXX/XXXX/16 to XXXX/XXXX/16.
2. In full compliance with the court 's order to vacate the premises, the defendants vacated the apartment on XXXX/XXXX/16 as stated in the court order.
3. On the morning of XXXX/XXXX/16, XXXX of the defendants walked through the apartment with the apartment complex manager, XXXX XXXX XXXX. At the completion of the walk thru, the apartment complex manager provided us with a Move Out Procedures/Checklist which clearly indicated that there were no damages to the apartment at all. The apartment was left completely clean and in the same clean state as on the day that they moved in, XXXX/XXXX/16.
4. Sometime after XXXX/XXXX/16, the defendants received a move out statement from XXXX XXXX XXXX. Charges on this statement {$4500.00} which is {$2700.00} more that the court ordered amount of {$1700.00}.
5. The XXXX XXXX XXXX move out statement shows charges that are false and misleading. As described previously, our move out date was on XXXX/XXXX/16, with the apartment being inspected on XXXX/XXXX/16. The move out statement from XXXX XXXX shows charges which are not listed on the XXXX/XXXX/16 magistrate court order.
6. The XXXX Move Out Statement shows rent for the entire month of XXXX 2016 which is in conflict with the court judgement ordering rental charges through XXXX/XXXX/16 only and not for the entire month of XXXX 2016.
7. The XXXX/XXXX/16 XXXX XXXX XXXX Move Out Procedures/Checklist also shows that there were no damages to the apartment at the walk-thru with the apartment rental manager. This document is in conflict with the {$2000.00} for stipulated damages for the XXXX/XXXX/16 date as listed on the move out statement.
Any and all additional charges that are not on the magistrate court order and especially for any charges on dates such as XXXX/XXXX/16, XXXX/XXXX/16, and XXXX/XXXX/16 are illegal and indicate the submission of false information for the collection of funds which are in excess of the amount stipulated in a court order.
We mailed documentation to XXXX via certified mail on XXXX/XXXX/16 and have not received any response back from them at all.
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| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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I have sent over 3 letters to National Credit Systems, asking them to verify the debt they say I owe and advised them the original creditor has already removed their reporting of the debt off of my credit due to bill being fictitious and made up by a property manager who was upset that we made a complaint against her with the corporate office. After investigating our claims of this manager not repairing things in a timely manner and refusing to move our family in a new unit after a neighbors unit caught on fire and partially burn down ours, they fired her but it came after we had already moved out. The company keeps sending me a copy of my lease with the original creditor in which I have with a made up bill from that property manager with her name on the bill. There was no furniture left in the unit and nor were we evicted from the property, and all keys to the unit and mail box was turned in to management. This reporting on my credit is preventing me from obtaining a pre approval letter for a home loan and damaging my credit worthiness. The fire happened on XXXX XXXX, 2013 at night while we were away from the home. We were called to get as much out as possible and my family was placed in a hotel for a couple of days and not allowed back in for over a week. I moved out on XXXX XXXX, 2013 due to their property manager stating she did not have another unit to put my family in but she allowed our neighbors to move into another unit who stayed on the other side of the burned down unit. My youngest son has XXXX and the smell of the smoke was too intense and our townhome was no longer suitable for living in. I advised corporate after moving what happened and was told I would not owe them anything and they apologize for the actions of their employee.
In the end there was no eviction and there was no bills left unpaid. I have attempted to call National Credit Systems and asked them for the President or CEO name and I get hung up on, I have been forwarded to supervisors voicemail with no return call. So Im to the point where I want to report this collection company and possibly need to report XXXX of the reporting agencies for ignoring my requests to have this information deleted off of my credit.
Its my understanding that they can not report anything that have been properly verified according to law. National Credit Systems Inc, employees are rude and when you are an informed consumer they prefer not to talk to you. I was told just like " I do not know you I do not know who the CEO or President is of our company we have XXXX account. '' This is what XXXX . XXXX XXXX told me earlier today and he forward me to a XXXX XXXX voicemail after asking to speak with a supervisor. When I called back to see if I can speak to a supervisor on duty I was told no one was available.
My account number with this company is XXXX.
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| 03/22/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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- In XX/XX/XXXX, I learned upon looking at my credit report that a company named XXXX XXXX XXXX had reported a collection account in my name for the amount of {$2200.00}. Since I didn't recall any outstanding debts, much less from this company, I disputed that with the credit Bureaus and they responded to my dispute saying that XXXX XXXX XXXX had validated the debt.
- On XX/XX/XXXX. I sent a letter by certified mail to XXXX XXXX XXXX disputing the validity of the debt and asking for their proof that I own this debt and also their authority to try and collect this alleged debt. ( letter is attached ). I also made this a cease-and-desist request and requested that they remove this wrong information from my credit report unless it was 100 % verified.
- On XX/XX/XXXX. I received an email from this company with a pdf file attached. ( both the email and file are attached here ). In this email, XXXX XXXX XXXX notifies me, for the first time, that a negative credit reporting action might be taken against me. After they have reported this item, without proof, for over 3 months. The pdf File shows an invoice that I have never received from an apartment complex and does not bear my signature.
- On XX/XX/XXXX. I Sent a second letter by certified mail to XXXX XXXX XXXX, explaining how they were in violation of my rights and allowed them an additional 30 days to produce the proof I had requested on my previous correspondence. ( Please see attached letter ). Again, I requested for this wrong information to be removed from my credit reports.
- On XX/XX/XXXX. I sent a third letter by certified mail to them. ( Please see attached letter ). In this letter, I stated once again how they failed to produce the appropriate proof that shows I'm liable for this alleged debt, as well as informing them what " Estoppel by Silence '' means and how refusing to respond to my requests must mean that they are in agreement with my statements. I allowed them an additional 15 days to resolve this matter, and I even mentioned my intentions to file this complaint if I did not receive absolute proof, or if they did not remove this false information from my credit reports.
As of right now ( 30 days after the last letter ), XXXX XXXX XXXX has not provided any proof of my responsibility over this alleged debt. Neither have them responded to my last 2 correspondences in any way, shape or form. Therefore I am filing this formal complaint against them.
This has been EXTREMELY damaging to my reputation and to my ability to acquire credit. I am a small business owner and the inability of securing a credit line has put tremendous amounts of financial strain on me and my family. I sincerely hope I can get this issue resolved through this formal complaint.
All correspondence mentioned above are being attached with this complaint.
|
| 10/23/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I moved out of this apartment complex in XXXX XXXX. The reason was due to the lasting effects of XXXX fires in the apartment above me. The first fire was above my kitchen area, and the second happened above the back bedroom. The events were caused by XXXX different tenants. Due to the water damage, I lost everything and was never compensated by the XXXX apartments, nor by the tenants that caused the fire. The unit I resided in became infested with roaches, and I had to get rid of all our belongings. The super, XXXX XXXX, said to me too bad you do n't have renter 's insurance. Then, I was relocated to another apartment while the repairs were done in my unit. This caused another issue ; the apartment complex wanted to charge me for the electric bill on the loaner apartment, as well as the bill in my unit. Therefore, I could not afford to pay the rent and XXXX utility bills, so the complex evicted me. XXXX apartment complex hired National credit systems to handle the collection process. This creditor has been reporting to all XXXX credit bureaus for over 7 years. I tried to resolve this issue XXXX and the following statements were communicated via XXXX processing.
XXXX CASE # : XXXX web XXXX Case Received by XXXX XXXX Case Reviewed by XXXX XXXX EMAIL Send Acknowledgement to ConsumerXX/XX/XXXX XXXX EMAIL Notify Business of DisputeXX/XX/XXXX WEB XXXX RECEIVE BUSINESS RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you.
XXXX/XXXX/XXXX XXXX EMAIL Forward Business response to ConsumerXX/XX/XXXX WEB XXXX CONSUMER REBUTTAL TO BUSINESS RESPONSE : ( The consumer indicated he/she DID NOT accept the response from the business. ) the company has not agreed to remove its claws from my credit report, the law states up to 7 years and not until 7 yrs has passed. i am not an indentured servant and i will not be penalized for the miserable time i spent in that apartment for another year.
XXXX/XXXX/XXXX XXXX EMAIL Forward Consumer Rebuttal to BusinessXX/XX/XXXX WEB XXXX RECEIVED BUSINESS ' ADDITIONAL RESPONSE : Thank you for contacting our office. We reported this consumer in default in XXXX XXXX. If there is a seven year statute period, as she states, it would end in XXXX XXXX. Thank you.
XXXX/XXXX/XXXX XXXX EMAIL Send Consumer Rebuttal - No New Offer - UNRESOLVEDXX/XX/XXXX Otto EMAIL Inform Business - Case Closed UNRESOLVEDXX/XX/XXXX XXXX XXXX Case Closed UNRESOLVEDXX/XX/XXXX XXXX ReOpen the ComplaintFurthermore, I am not requesting compensation for any damages or loss of personal property. I want them to simply stop harassing me via credit report inquiries, phone ( INCLUDING CELL PHONE ), or mail. I have been penalized enough, I am trying to move forward with my life.
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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Good day, My name is XXXX XXXX, my family and I when we were first moving to XXXX we signed a lease to move in to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX in late XX/XX/XXXX but we did not find the place to be comfortable mostly there was a constant smell of smoke at night so I decided to move out as I'm a XXXX XXXX and was already not feeling well. I also was hospitalized in XX/XX/XXXX due to XXXX XXXX and had an XXXX done at the XXXX XXXX XXXX on XXXX, XXXX TX.
I described my XXXX XXXX problem and the continuous smoke through the XXXX XXXX XXXX vent at night and requested to terminate and leave their apartment. At that time I asked them about any extra fees or charges and discussed lease agreement says it will be {$800.00} something charges on my lease pg 9 but the XXXX XXXX property Supervisor informed me that it will not be an issue as long as I move out of their apt in 4 days which I did. I left their apt in 4 day time frame and did not damage anything. Nothing no information on the early termination charges are placed by the XXXX XXXX XXXX and I have communicated with them in XXXX in the time I left as to collect my postal mail. I left in good terms with the XXXX XXXX XXXX and they never asked me for any additional payments.
I'm not sure where this collection company National Credit Systems has reported a collection debt in my name and it is reported on my credit file. I never received any info on this until when in late XX/XX/XXXX and early XX/XX/XXXX through my daughter loan officer. My daughter was trying to get loan approval and asked me to be her cosigner but the loan officer informed that I have a collection charges in my name. I never was aware of this or contacted by either the collection company National Credit Systems or XXXX XXXX XXXX while these charges have been posted since XX/XX/XXXX. It is not fair to me. It is not just impacting my score but I can not help my daughters out with either their loan applications or even signing for utility company such as XXXX as even that my daughter had to do for me as she has a good credit. I need help in getting rid of this false collection charge by the company National Credit Systems. If there was an early termination per lease agreement then XXXX XXXX XXXX should have given me that correct info and my financial responsibility at that time when I was vacating specially when I did inquire and expressed my financial obligation. If they never provided me with that info or any requests to pay the early termination charges at that time then why is this National Credit systems unnecessarily claiming such charges on my name, makes no sense. I would have never known anything if my daughter loan officer didn't give us the info including the collection company info. Please guide me and provide some assistance. Thank you.
|
| 08/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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National Credit Systems, INC-Debt Collection Agency Current Creditor ; XXXX XXXX XXXX XXXX XXXX Balance : {$1400.00} I read a letter that was dated XX/XX/2020 from National Credit Systems , Inc stating that I owed the Current Creditor the balance above, the letter was an attempt to collect a debt. The letter stated in bold letters of my rights to notify National Credit Systems in writing within 30 days of receiving the notice my dispute of the validity of the above debt and that National Credit Systems , Inc would obtain verification of the debt or obtain a copy of a judgement and mail a copy of such judgement or verification ... .. and that the office would provide the name and address of the original creditor.
On XX/XX/2020 the day I received the letter, I wrote and mailed first class a letter to National Credit Systems , Inc. disputing the validity of the debt, I stated that I do not owe for a carpet replacement in the amount of {$1400.00} and that all that I believe I owe the apartments was around {$55.00} dollars for a light bill. I stated that I have a video of the apartment when I moved out that shows that the carpet and apartment was left clean and in good condition. On XXXX XXXX I read another letter from XXXX XXXX XXXX XXXX XXXX stating that I did not make suitable arrangements to resolve the above-referenced debt and that they would soon report the account to one or more of the consumer reporting agencies and still requested a payment from me. On XX/XX/2020 the day I received another letter from National Credit Systems , INC, I immediately called and spoke with the Collection Representative named XXXX XXXX @ XXXX @ XXXX, I told her that the apartments and charges are in dispute, I told her that I have video proof that I do not owe to replace the whole carpet and that all I owe is a water bill that's around {$55.00}, she said ok and she would note the account. Today. XX/XX/2020 I received an alert from XXXX stating that I have a MAJOR DEROGATORY DEBT FROM National Credit Systems that was reported on XX/XX/2020 and opened for 3-months..XX/XX/XXXX.which instantly dropped my credit. So, I called XXXX XXXX and spoke with her, I told her I never received any type of documentation from them regarding the validity of the charges or debt nor did I receive a copy of the judgement in which the letter stated I would in bold. XXXX XXXX was shocked and at a lost of words, she read her notes and saw my dispute letter, she also saw an email from XXXX XXXX on XXXX XXXX where all they provided was a copy of the lease and not walk-thru information or any validity of the debt according to XXXX XXXX. National Credit Systems violated my rights and never provided the proper documentation to prove the disputed debt, instead they looked over my dispute and added the debt to my credit reports.
|
| 05/06/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX, XXXX ; XXXX XXXX XXXX XXXX in XXXX XXXX, Texas Office Manager XXXX XXXXXXXX XXXX XXXXXXXX XXXX fraudulently reported a huge debit owed to National Credit Systems as a Retaliation to my filing of over charges to myself and other residents that included water bills that many were not required to pay according the the lease terms, to the State of Texas, filed a Disability & Race Discrimination claim, code enforcement and other major property issues to city and government offices.
XXXX XXXX begun to refuse my rent on 3 different occasions, to force an eviction, in which, I prevailed, the Judge ruled in my favor each time. I had lived there for 3 years and never had a problem. Rent always paid on time not one manager before her refused my rent until XXXX XXXX XXXX came to the property. XXXX XXXX would not complete my work orders, she falsified ledgers and allowed many residents to live in dwellings where their ceilings fell in due to water damages ( I have pictures ). I requested to have hand rails installed due to my XXXX she refused on many occasions. This is the small of it. When she lost her last court appearance, she accepted my rent and offered to let me out of my lease with no penalties since I informed her I wanted to move 3 months prior to XX/XX/XXXX.
XXXX XXXX provided my current XXXX XXXX XXXX a good rental history with no balance owed report on paper via fax. Now I learn XX/XX/XXXX about this HUGE false debit that was report to & for collections which will affect my rental history, in which, she knew this was my greatest concern after she offered to let me out of my lease. About a month after I moved ( according to the credit report date ) she/property management company sent the false Rent/Lease/Mortgage debit to XXXX, XXXX XXXX XXXX was only able to obtain my personal information from my current Property Manager, because she and prior and the following personal ( XXXX was removed from the property due to the discrimination complaint filed and 22 other residents complaints also, and I reached out to the owners ) LOST nearly every residents files once the company she was hired by, took over the XXXX XXXX XXXX. There weren't any Disabled Parking on the property, I advocated to the City of XXXX XXXX and the State of Texas to have disabled parking on the property. ) The care of the property and how the XXXX XXXX XXXX and its staff handled business can be tracked through Code Enforcement and the XXXX. They are 2 residents as today living in their unit with the ceiling falling in from water damages. 1 of the residents has cancer. The mold build and the water exposure in the whole unit. This resident can not even bath nor shower as of today of this complaint. This and others reasons are why I filed complaints with the State and other government agencies.
|
| 08/30/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
|
- Problem with a company's investigation into an existing issue
- Problem with personal statement of dispute
|
|
Web |
|
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Regarding Dispute : National Credit System XXXX XXXX XXXX XXXX XXXX XXXX A amount : {$24000.00} To whom it may concern ; I am disputing XXXX XXXX XXXX even though I already did throughout RENT TO GO. Account showed on my credit after it was removed from my rental history after being disputed.
This account was disputed because my landlord refused to accept the payments from NJDCA after I was approved Due to Covid 19 I saw myself unemployed from both jobs I had at the moment, which is the reason I was unable to pay my rent. I applied for NJDCA covid relief funds and was approved putting me on a waitlist, which led to me being in court for back payments.
At my court appointment on XX/XX/2023 I was offered an agreement by my landlord and her lawyer saying that THEY NO LONGER WANT TO WAIT FOR ASSISTANCE, AND TO TAKE MY LITTLE BIT OF MONEY AND LEAVE AND FORGET ABOUT WHAT I OWE.I got scared the lease was not current and it was not my name on it but my kids father XXXX XXXX.
which they are also trying to charge even after i asked for him to be removed after he left way before this covid even happen.
I left the premises on XXXX XXXX how they so nicely asked.
( by NJ law according to XXXX landlords are not to deny assistance which I didn't know ) .I was given 30 days to leave with my kids because if I didnt they were going to evict me and would be a possibility of closing my doors if they continue court procedures. They claimed the government assistance where not going to help me and me being ignorant agreed because why will they not want their money. This was all in front of a judge who second the landlord by saying that this was true, that if i stayed and the follow court i might get my doors closed and be ask to leave without time to prepare. I should sue them because i am currently still homeless House hopping between people I know because of this.
While homeless with my kids the NJDCA reached out to me claiming they were paying them at the time I was being offered to leave and also that they want to give the funds to my new landlord ( Which I don't have ). THEY ARE RYING TO HELP ME GET THESE FUNDS TO USE ON A DIFFERENT APARTMENT. I have not been able because of my low income which now is another issue and on top this being on my credit if affecting my kids even more. This is my last resort because I was given until XXXX XXXX by NJDCA to find an apartment for this funds or ima have to bring me and my kids to a shelter because I can't no longer stay where I am staying These reports being on my credit is stopping me from getting an apartment.
If there is anything you recommend me doing please tell me, I feel like I was cornered to aggre to something that either way was meant to make me loose by some professionals that where not trying to help me.
Thank you in advance
|
| 07/25/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
First, I would like to ask the National Credit system to stop reporting this account on my credit report because they are injuring my credit profile and this has caused my credit score to drop XXXX points, they have caused some of my credit limits to drop and I am unable to obtain more credit.
I have asked the National Credit system for Debt Validation and they had failed to do so, I demand a line-by-line w/description explanation and supporting documents ) from the first month, I would like to see from XX/XX/XXXX to XX/XX/XXXX which they have failed to provide. They are reporting on my credit report knowing they have not validated the debt according to 15 U.S.C. 1692e, entitled False or Misleading Representations, which states that a debt collector may not use any false, deceptive, or misleading representation.
This account is also reporting charges that do not belong to me I have asked the national credit system to Explain in writing what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia. My rent was NEVER late but my rent was refused by the leasing office. Rent was refused for unit XXXX ( see attachment below ) therefore it would be impossible for XXXX XXXX nor National Credit System to try to collect the initial late fee late payment in the amount of {$310.00} for XXXX months. Please provide me with any supporting documents that XXXX XXXX tried to collect rent from me.
This account is also reporting a {$200.00} paint fee, I have already paid an {$130.00} clean move fee and the company did not return my security deposit therefore they can not keep charging me fees on top of fees. Needless to say, the apartment has to be repainted each and every time its rented my unit has normal wear and tear.
Here are a few more other things I am looking for in connection with the National credit system collecting this debt.
Any creditor regarding this account has made any insurance claims ( I need ) Any Judgments obtained by any creditor regarding this account ( I need Name on the file of the alleged debtor ( I need ) Address on file for the alleged debtor ( I need ) Amount of alleged debt ( I need ) This alleged debt became payable ( I need ) Date of original charge off or delinquency ( I need ) Verification that this debt was assigned or sold to the collector ( I need ) Complete accounting of alleged debt ( line-by-line w/description explanation and supporting documents ) from the first month I paid my rent and my security deposit. ( I need ) Explain in writing in my lease, what is an initial late fee in the amount of {$310.00} and where I agreed to pay every month for XXXX months in the state of Georgia ( I need ) Commission for debt collector if collection efforts are successful ( I need )
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
I am the consumer writing and there is no third party involved.National Credit Systems a debt are reporting inaccurate information to the national consumer reporting agencies to coerce payment. The FDCPA was passed to eliminate abusive, deceptive, and unfair debt collection practices. According to my records, I do not recall giving National Credit Systems a debt any prior consent to communicate with me aboutanymatter.Was I even given a choice to hold an account with National Credit Systems a debt? How do I owe National Credit Systems? How was this verified? National Credit Systems and XXXX and XXXX ignored my recent disputes and never provided sufficient evidence because this can not be verified.
XXXX send an automated response without even investigating which violated the FCRA. Fraud is wrongful or criminal deception intended to resultin financial or personal gain. And that is exactly what National Credit Systems, XXXX, and XXXX are, a fraud.In additionto that, furnishing this alleged debt to the national reporting agencies to coerce payment violates 15 USC 1692d ( 4 ).
XXXX was not habitable. And do I not have a right to PRIVACY? Why was I never given the option to opt out of this reporting? Why was I never given an option to opt out of an account with NCS? In other words, this sounds like account LACKS FULL DISCLOSURE, AND ADEQUATE CONSIDERATION!
I never agreed to any terms with National Credit Systems, THEY WERE FORCED ON ME.
There was no working AC for MONTHS, water leaks, pest were NOT CONTROLLED and I refuse to pay this debt.Prove tome how this extension of credit with XXXX even became a debt with NCS. Please send a complete audit trail with accounting history evidencing added charges, and payments made since I have never even seen it.I wish to deal with this matter only in writing.NCS must cease all communications engaging any conduct to harass, oppress me in connection with collection of a debt, except by US Postal mail to inform me thatcollection activities are being stopped. In accordance with 15 USC 1692c ( c ), I refuse to pay this debt. To be clear, Communication means reporting of an alleged debt to XXXX. Communication under the FDCPA means The convenience of information regarding a debt, directly or indirectly to any person through any medium. I demand this tradeline bedeleted from all national consumer reporting agencies as it is preventing me from obtaining a car and house for myfamily. Not to mention, the mental anguish that comes with it not being able to provide for my family.I am writing to claim all rights, titles and interest on the subject matter. This will be my 3rd time attempting to rectify this matter. I would appreciate your timely response as I am falling harder and harder on already hard times.
Warm regards, XXXX XXXX
|
| 05/18/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I rented a property from XXXX XXXX in XXXX XXXX . I left in XXXX XXXX and paid the required early termination about to leave. I received a bill in XXXX for an addition {$240.00} for cleaning. I paid a professional service to clean the property prior to moving out so I wanted to dispute the amount. I called the number on the invoice several times and received no response. I finally looked at the website for managers email and send an email. They responded withi n 24 hou rs. I was advised to go onto a link that they sent me and record my dispute, which I did. I never heard back until today when I received a call from a collections ag ency National Credit Systems that my bill went up to {$600.00} due to electric bills not paid from XXXX and XXXX of XXXX . I advised the agent I moved out of the home XXXX XXXX and my bills are paid current. I ended up paying the bill because they threated to put it on my credit report and I cant afford to jeopardize my credit score. They said because I had questions about the bill they would mark it as disputed and report it to my credit anyway. I asked to speak to a supervisor and they said none were available. I felt like I had no choice and paid the full balance that included an extra for an electric bill from XXXX that I have no idea about. They also called my HR department at my job. I have never ignored a call from my property management company and all my number are valid and working. XXXX has XXXX numbers to reach me ( pers onal cell, work cell and work desk phone ). The collections agency said they had no other number so they called the HR department at my job to give me message. That is ridiculous and wrong. I am completely disappointed with the treatment of both companies ( XXXX and National Credit Systems ). I paid every bill with th em on time and most of the time early. I should not have been treated this way. Now I am out {$600.00} because I was bullied by the agent telling me she would report it to my credit today if I did not pay. The agent I spoke to said that it was going to be in my credit report regardless if I paid or not since I was disputing the amount. She then refused to take my money or give me a supervisor. She transferred me to another agent. I asked that agent if I paid today will it still report to my credit, she said it would not, so I paid the amount. I asked her for a supervisor and she said she was XXXX . I told her that the agent before her said she was another agent, I repeated my question are you a supervisor she said yes I am an ac count manager. I asked for a manager again. She they do n't have managers, I said so you do n't have a boss and there are no supervisor??? She said, ohh yes we have those, but they are not available.
|
| 02/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
National Credit Systems and their client have placed a {$500.00} collection on my credit file for a deductible on a bond policy that had paid my previous landlords monies for damages/fees I supposedly incurred due to my leaving.
Originally, I was disputing this debt under the notion that it was for damages left in an apartment and potential violation of lease fees, because thats what I was told by the leasing office. This information was not correct. The account manager for National Credit Systems XXXX XXXX XXXX who had previously provided me with incorrect information, updated the reason for the debt to be that of one owed to a Bond Company that was in contract with XXXX XXXX XXXXXXXX XXXX XXXX Once the reasoning behind the debt was clarified ( XX/XX/XXXX ), I explained that I did not leave my apartment with any damages. I have a few clips from my move-out. In addition to this the regional mgr XXXX approving my leave. I had purchased a home and could only break the lease without penalty with his approval. The conditions were to give the official notice, leave the apartment in mint condition/have anything fixed my maintenance prior to the leave, and complete a walk-thru. All those conditions were met. Now I'm being told by NCS that the bond deductible is owned by me due to the apartment complex stating I owed for damages and prorated rent ... .the bond company apparently paid XXXX XXXX XXXX for damages that were completely false. When I asked for the bond company 's direct contact info or to be conference called with them NCS declined my requests. I went to the physical location of the apts, the maintenance mgr XXXX even confirmed to the new owners that nothing was wrong with my apt when I left. The new/old property management offices have neglected to return my calls. The NCS account mgr told me on a recorded line that she's never seen this overturned and that I should just pay what I owe. She told me that there was no way to prove the apts had sent in false info to the bond company. Even with a statement from the maintenance mgr and a vid of my apt she stated that no one ever wins in these scenarios. I abided by all the terms of my early lease termination which is how I was able to leave without penalty. I do not owe this debt and have been blocked and rejected at every turn to fix this injustice. Please help me. There has been no evidence from XXXX XXXX management or the maintenance staff anything other than my leaving the apartment in outstanding condition. Also, I even paid utilities days after I left, and no one reached out to inform me that this was happening from the leasing office.
I have attached a screenshot of the timeframe where XXXX approved my request. The video says " exceed '' I was unable to upload it here.
|
| 05/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
National credit systems inc. is constantly harassing me for a fraudulent collection from an apartment complex called XXXX XXXX. Theyre claiming I owe XXXX and threatened to get a fraudulent judgement against me to try and garnish my bank account which contains my XXXX social security Benefits and child support. Both of these types of income are exempt. I dont owe this money and have provided proof from station heights resident account dated XX/XX/XXXX showing a zero balance. I closed on a home on XX/XX/XXXX and my lease expired on XX/XX/XXXX. I moved out XX/XX/XXXX and station heights cashed a check from me dated XX/XX/XXXX for {$560.00} for final move out rent payment with utilities included all noted on the check they cashed. please keep in mind ( THEY DONT ACCEPT ANY PARTIAL RENT PAYMENTS ) I owe absolutely nothing as if I owed I would not have been able to purchase a home if I was someone who didnt pay my rent. I lived at this apartment complex for 6 years and they have changed mgmt. many times. They would often charge erroneous fees to receive extra money from tenants. Not once was I ever late in paying rent I have an impeccable rental history. XXXX XXXX is retaliating against me because I complained about their maintenance issues to corporate and because I refused their lease renewal and bought a home instead. I have documents proving when I closed on the home XX/XX/XXXX, copy of the cashed check for {$560.00} dated XX/XX/XXXX, bank statement showing they cashed it, lease showing it expired XX/XX/XXXX, moving company receipt dated XX/XX/XXXX and resident log in dated XX/XX/XXXX showing a zero balance with my name and apartment number. They constantly call and send threatening letters to try an intimidate me which is not a tactic thats working. I know my rights are being violated and this is a fraudulent collection. I sent them a cease and desist letter via email on XX/XX/XXXX and have filed disputes with all 3 credit bureaus. I will not be bullied and or forced to pay a fraudulent debt. If I moved out on XX/XX/XXXX why would it say on XX/XX/XXXX on the resident portal after my leased expired on XX/XX/XXXX I owe XXXX dollars? This proves theyre just trying to manipulate me into paying a false debt. Tenants are constantly moving out and the management company is desperate to make money for the apartments theyre not able to rent. National credit systems/station heights need to be fined and penalized for their fraudulent collection tactics and fraudulent debt practices. I ask that this is investigated and proper reprimands are executed against them. They need to delete this off of my credit report and stop contacting me before I take expeditious legal actions against them. Thank you as I look forward to an amicable resolve.
|
| 09/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
After living at XXXX at XXXX XXXX XXXX for over two years I suddenly started feeling sick and felt a weird sensation coming from the upstairs neighbor 's apartment. I often heard a rolling sound following me as I moved. I went upstairs and told my neighbor that something was making me feel sick in my bedroom and asked if she noticed it too. She said she wasn't sure of what it was. I also saw several maintenance men in her apartment, pest control, and they even replaced the carpet.
During that time I started to having someone attempts to break into my apartment at night. My front door had two locks. One that is accessible from the outside and the other that can only be accessed inside. One night, while getting a drink in the kitchen, I noticed someone unlocking the bottom lock using a key. Thankfully the top lock was bolted and they could not gain access. I reported it to the apartment manager and requested that the locks be changed. The locks were changed, but the same thing happened twice again. All these incidences were reported to the XXXX County Sheriff Office.
Shortly after the man downstairs, got sick I found myself in and out of the ER and the doctor 's office. The final event that frightened me so much, I knew I could not stay there any longer. On XX/XX/2018, at XXXX XXXX I was at work and I got a notice on my phone my personal camera detected motion. When I looked at the footage I say a maintenance man entering my apartment to replace an already clean AC filter. The apartment policy is that filters are replaced by the residents. After he walked into my apartment, he moved my camera out the way so I could not see what he was doing. Once I got home that day I started searching for a new place.
Once I found a place I asked the apartment manager if she would let me out my lease citing the maintenance staff incident. She agreed and we both signed a document that ended the lease on One XX/XX/2018. I already paid the month of XX/XX/XXXX and left 17 paid days on the lease. The manager soon leases the property to a new tenant and I know this because I had to visit the property to retrieve a misdelivered package which was never found. There were moving boxes outside the apartment indicating that someone moved in.
In XX/XX/XXXX, over a month later, I received a bill from the XXXX at XXXX XXXX for {$930.00} the remaining balance in XX/XX/XXXX ; knowing that it was being lived in by someone else. The account has since been placed in collections and my credit ruined because I refuse to pay for someone one else to live in that apartment.
Enclosed I have a list of police reports provided by the XXXX County Sheriff Office and a photo of the maintenance man entering my apartment. I can also provide the video if needed.
|
| 05/08/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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CREDITOR/DEBT COLLECTOR DECLARATION and PROOF OF CLAIM Please provide all of the following information and submit the appropriate forms and paperwork back to me along with an Affidavit signed In Accordance with 28 U.S.C. 1746 within 30 days from the date of your receipt of this request for validation and proof of claim.
1. Alleged Name and Address of Creditor 2. Name on File of Alleged Debtor : 3. Alleged Account # : 4. Amount of alleged debt : 5. Date that this alleged debt became/becomes payable : 6. Date of original charge off or delinquency : 7. Amount paid if debt was purchased : 8. Please attach a copy of any signed agreement alleged debtor/claimant has made with debt collector, or other verifiable proof that debtor/claimant has a contractual obligation to pay debt collector.
9. Furnish a copy of the original promissory note/agreement redacting my social security number to prevent identity theft and state that your client named above is the holder in due course of the note agreement and will produce the original for my own and a judges inspection should there be a trial to contest these matters.
10. Produce the account and general ledger statement showing the full accounting of the alleged obligation that you are now attempting to collect. Such as ; FR 2046 balance sheet ( OMB # s 2046, 2049, 2099 ), 1099 OID report, S-3/A registration statement, 424-B5 prospectus, RC-S & RC-B call schedules 11. Identify by name and address all persons, corporations, associations, or any other parties having an interest in legal proceedings regarding the alleged debt.
12. Verified specifically, name ( s ) of person ( s ) assigned as Trustee to handle Corporations affairs and to be held accountable for the actions of the Corporation. Such as CFO and subordinates responsible for debt collections.
13. Verify as a third party debt collector, you have not purchased evidence of the alleged debt and are proceeding with collection activity in the name of the original maker of the note.
14. Verify you know and understand that certain clauses in a contract of adhesion, such as a so-called forum selection clause, are unenforceable unless the party to whom the contract is extended could have rejected the clause without impunity.
15. Provide verification from the stated creditor that you are authorized to act for them.
16. Verify that you know and understand that contacting me again after receipt of this notice without providing procedurally proper validation of the debt constitutes the use of interstate communications in a scheme of fraud by advancing a writing, which you know is false with the intention that others rely on the written communication to their detriment a violation of United States Code TITLE 18 PART 1 CHAPTER 63 1341.
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| 03/16/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXXXXXX XXXX XXXX a collection was placed on my credit report in the amount of {$10000.00} with National Credit Systems. The original owner of the debt was XXXX XXXX XXXX, a company that owned and managed XXXX XXXX XXXX XXXX XXXX complex where I used to live.
At the time the collection was placed on my credit report, I had an attorney-XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX working on my case with the attorneys from XXXX XXXX XXXX . We were in litigation and no legal suit had been filed against me.
I lost my job in XXXXXXXX XXXX XXXXXXXX due to Covid-19, therefore leaving me unable to afford rent. I was also pregnant with a new baby at the time, leaving me in a horrible situation. I immediately contacted the property manager, XXXX XXXX. I asked for options on breaking the lease, re-renting the unit, payment plans, and even Illinois Rental Relief programs. I asked her to apply for the rental assistance on my behalf, as only the landlord could start an application at the time. I was informed that once the tenant application portion opened, I would receive emails with more information directly from the XXXX XXXX. I did not ever receive any emails or additional information. The complex was unwilling to work with me. I offered to settle the debt multiple times in writing through my attorney, I even returned the keys and surrendered the apartment on XX/XX/XXXX XXXX XXXXXXXX. While this entire case was still in litigation-I was placed in collections for over {$10000.00}. XXXX XXXX XXXXXXXX gave me no written notice or warning that they would be selling the debt to a collections agency and placing me in collections, no legal law suit has ever been filed against me, and the collections agency has been unable to provide me with enough information to verify the debt. Not a single one of the parties involved ( XXXX XXXX XXXX or National Credit Systems ) has been able to provide me a copy of the lease with my written signature on it. Not to mention, I called XXXX to verify whether or not XXXX XXXX ever submitted rental assistance application on my behalf on XX/XX/XXXXXXXX XXXX XXXX. The woman I spoke with confirmed that there is no application to be found under either my name, address, email address nor XXXXXXXX XXXX name, address, or email address. This tells me nothing I was told was true.
I still have a collection of {$10000.00} showing on my report. I have attempted to dispute it multiple times. I have even contacted XXXX XXXX XXXX multiple times in attempt to settle the matter. No responses have been sent to myself or to my attorney.
National Credit Systems and XXXX XXXX XXXX have insufficient information to attempt to collect a debt from me and to allow it to remain on my credit report unresolved.
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| 03/08/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2023 I contacted national credit systems inc to pay an old debt. It was from a lease that had been broken bc my life was in danger do to an abusive partner. I had put it off because I had other financial obligations. I went to rent an apartment on XX/XX/2023 and was denied because of this debt soley. So I tried to pay this debt in hopes it would resolve it. Initial contact the girl was nice. But said that they cant provide me with any receipts or proof of payment. That I would get my letter of paid in full via email within 24 hours. I said that wasnt acceptable I need a receipt or some for of proof that I paid. I got her supervisor on the phone and he was rude and aggressive. Told me I should have taken care of this sooner. But no receipts are provided. I said Ill pay online then bc I need to provide something to the apartment complex so I dont loose it. He said thats not his problem and if I pay online it will take 48 hours for the debt to clear. I chose to go online so that I had proof of payment on my end incase anything happened like that guy tried to claim no payment and pocket the money. 24 hours pass and nothing so I call back and Im sent to the supervisor who is nasty and aggressive! Telling me too bad I should have lived my life better. I started yelling bc I was beyond over his trash attitude. Told him if it wasnt resolved in 48 hours Ill contact my cc company bc this is fraud. He started saying go ahead and Ill lie and u will look like a XXXX bc its not been 48 hours. I told him he was a piece of XXXX or something to that affect and is doing this intentionally to hold my credit hostage. Bc I cant get housing without this off my credit report. And then he decides to say he is going to issue a refund. I told him he didnt have the authority to do so. And he kept saying nope thats what Im gon na do! Issue u a refund so u have to start the process all over. I told him I would pursue legal action as he is making fraudulent usage on my credit card without my permission. Last time I checked I used a secure payment source that shouldnt be giving my credit card details to the staff. It has now been 60 hours since I paid this debt and it is still not clearing. My credit card company said they paid out their part but the collection agency seems to be refusing payment. Also note I was paying the account in full. I have lost 3 apartment opportunities now bc of this!!!!! This trash human is ultimately and knowingly and intentionally refusing the paid in full amount bc I hurt his feelings. And he is holding my credit hostage making it impossible for me to secure a place to live and after tomorrow I will be out on the street.bc of national credit systems and the unprofessional behavior by its employees.
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| 09/28/2022 |
Yes |
- Debt collection
- Credit card debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Letter sent XX/XX/2022 refuse to sign and sent back to me confirming my identity and name My name is not XXXX XXXX XXXX - that name is used on fraudulent accounts per the police report Letter sent again on XX/XX/2022 Attached Identity Theft Report Attached Police Report License attached with new driver license # separating me from the fraud that was committed by defendant XXXX XXXX. Full court records is public information. XXXX XXXX was found guilty of Fraud/ Impersonation - XXXX I have reviewed my credit report again XX/XX/XXXX and the 2 National Credit Systems account continue to reflect on my credit reports and I have not received PROPER validation from creditor to validate National Credit Systems with XXXX at XXXX XXXX XXXX and National Credit Systems with XXXX on XXXX XXXXXXXX XXXX to validate these 2 accounts as correctly belonging to me, nor has my credit report been updated to reflect that the account has been disputed and therefore a 2nd validation letter was sent out this day. After reviewing credit report again on XX/XX/XXXX XXXX there have been no updates and account is still reflecting on my credit report.
These fraudulent accounts were removed by the assigned detective XXXX, ( XXXX ) of XXXX XXXX Police Department on my case and now they are back reporting on my credit report after I submitted Identity Theft Affavidit years ago.
Spoke with XXXX XXXX Collection Representative XXXX ID THEFT To whom it may concern, I wrote you requesting validation of this alleged debt. I asked for very specific information in my initial request and again in my re-sponse to the information you sent on ( XX/XX/2022 ). I requested information that proves that not only a debt is owed and a breakdown of the debt, but that I am the party re-sponsible for paying it. As of today, you have failed to supply the demanded proof of the al-leged debt. Your response to my request was not a debt validation so I can presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.
In a final act of good faith to resolve this matter amicably, I restate my demand for proof of the debt, specifically the alleged contract or the other instrument bearing my signature, as well as proof of your authority in this matter. If you cant provide these items, you must terminate this collection action and correct any erroneous reports of this debt as mine.
Failure to do so will result in me filing a complaint with the Federal Trade Commission for violating my rights as a consumer. The inaccurate reporting of this account is costing me thousands of dollars a year in interest.
For the record, I state again that as I have no account with you, nor am I your customer, nor have I entered into a contract with you
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| 09/11/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was checking my credit and noticed that there was a debt collector agency on it by the name of National Credit Systems Inc. dated XX/XX/2018. I immediately called the landlord XXXX XXXX in XXXX XXXX, Texas that the debt came from to see what it was for and wanted to know why I did not receive a notification letter because I never received one from the collections agency or a call before the debt was placed on my credit. I could not reach them so I called management company XXXX XXXX and spoke with someone in the billing department and she claimed the assistant manager XXXX at XXXX XXXX claimed a letter was sent but returned per email dated XX/XX/2018. This is not true and I do not believe it. I gave them all of my forwarding information and I never received anything. Not sending a notification to tenant regarding debt is a violation of Texas tenant law because the notice should come within 30 days after departure which was XX/XX/2018. Texas law sec 92.109. XXXX sent me straight to this collections agency. The collections agency sent me a letter on XX/XX/2018 4 months after it was placed on my credit and 7 months after my departure from XXXX. XXXX XXXX from National Credit called me in XX/XX/2018 on a recorded call and said that she will send me another letter with verification to assist me in disputing the debt. I never received the verification letter from National Credit Systems , Inc. She immediately sent me to a third party. I called National Credit Systems and asked where was the letter and they said I had to talk to the third party company. This was another violation Texas law sec 92.110. This was wrong and should have followed proper protocol. The debt collection company violated me here and I never got to dispute with them if I needed to. They also placed on my credit that I did dispute the matter which is false and manipulative. The collector made an improper move here that was not right. I never ever received anything after the first letter. I think it's unfair to pay for something without verification as to what it is and with so many scams out there when this happened I didn't trust the situation and wanted to call the authorities because I feel that National Credit Systems , Inc. and XXXX XXXX have violated the Texas state tenant law here with how this was all handled to get money and that the debt was bogus. I also feel that this situation was manipulated on purpose due to personal issues with the assistant manager XXXX. I feel that she was manipulative and made promises that she did not keep. This was a new management company that came in under this lease and I assure you that the old management company would have never done this. This is improper treatment and I feel totally violated.
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| 12/20/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies to me 2011 Louisiana Laws Civil Code CC 3494 Actions subject to a three-year prescription Universal Citation : LA Civ Code 3494 SECTION 2. THREE YEAR PRESCRIPTION Art. 3494. Actions subject to a three-year prescription The following actions are subject to a liberative prescription of three years : ( 1 ) An action for the recovery of compensation for services rendered, including payment of salaries, wages, commissions, tuition fees, professional fees, fees and emoluments of public officials, freight, passage, money, lodging, and board ; ( 2 ) An action for arrearages of rent and annuities ; ( 3 ) An action on money lent ; ( 4 ) An action on an open account ; and ( 5 ) An action to recover underpayments or overpayments of royalties from the production of minerals, provided that nothing herein applies to any payments, rent, or royalties derived from state-owned properties.
Acts 1986, No. 1031, 1.
civil code sec. 2 art. 3494 Louisiana Also I would like to state you keep deleting accounts and then the creditors add them back to my credit and re age debts that are in fact 3 + years older and also none of the creditors are registered in the state of Louisiana. I have provided proof were accounts have been deleted and creditors are illegally adding accounts back as new accounts. I have also provided proof that you are reporting accounts open that have been charged off and in my state prescription which is only allowed there Years ... do whats right and delete these accounts as you are reporting false documents!!!
The following accounts listed on my transunion as follows National credit systems- I havent lived in XXXX Arizona , they cant provide proof of a lease or a drivers license with my signature. Over 3 years old per my state that I have lived in for 5 years ( Louisiana ) I have contacted this creditor no response I disputed with credit bureaus 3 separate Times to validate these debts which they found and deleted and some home this account is on my credit again for the 4th time with a different age date. No contract
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| 12/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I am submitting this complaint due to the nature in which National Credit Systems has attempted to collect on a disputed debt. This companies representatives have acted in an unprofessional manner in the tactics they have attempted to extort money from consumers. Upon getting a phone call from this company in regards to a debt they allege was owed, I requested documentation to determine validity of the allegations. I than received a packet of paperwork which appears to have electronic or non handwritten signatures. Upon review of these documents there is now an even further confusion as to why this company is attempting to extort this money. After reviewing these electronically created and signed documents I received another call from this companies representatives who verified I had gotten and had a chance to look over these documents. After I advised her that I had some serious concerns for what I received and did not agree with the balance or what they were alleging. At this point the representative appears to take this information as an opportunity to disrespect me and act completely unprofessionally by stating, " Well than we will just put it on your credit! '' and proceeds to hang up without me being given an opportunity to say anything additional. As someone who has XXXX I understand the pressure and desire to want to do well at XXXX. However, having XXXX in the past it seems counterproductive to just threaten to place something on someone 's credit and than hang up without any actual dialogue or discussion. Obviously this representative needs further coaching and development on how to handle the collection process also how to successfully conversate in a professional manner when conducting business for a company. Not allowing her personal feelings or opinions to get involved and taint the conversation. Im disgusted that the level of unprofessionalism and rude behavior is allowed and obviously condoned by National Credit Systems. This company should be investigated and audited for its unacceptable and atrocious treatment of consumers. Sincertainly the original rep hung up in my face is than called back and requested a manager at which time the receptionist refused to transfer. I advised that since this was the manner in which they conducted themselves in business that they cease and desist from any phone communication with me until I had an opportunity to file a complaint based on there actions. No company per the FDCPA can act in a threatening or unprofessional manner for the purpose of trying to collect a debt and unfortunately this company feels it does not need to abide by those same laws. Please investigate them for the manner in which they have attempted to conduct business.
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| 02/11/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX of XXXX I became aware that I was the victim of identity theft. I received an alert from XXXX that my credit score went significantly down. Around this time, I received two collection notices in the mail from National Credit Systems Inc. One was for an unpaid apartment rental in Michigan ( XXXX XXXX XXXX ) for {$4900.00} and the other was for a related security deposit company, Sure Deposit, for {$750.00}. After looking into it, I found out that someone had been renting an apartment using my personal information including name, date of birth, and social security number. Both of these collections appeared on my credit report. I later found out that my personal information was compromised as a result of the XXXX XXXX Data Breach.
I originally tried twice to dispute the collections through XXXX and their fraud department, and each dispute was denied. I then placed a fraud alert on my credit. I have also frozen all of my credit profiles through XXXX, XXXX, and XXXX XXXX. I then filed an identity theft report with the FTC. The FTC provided me with a list of steps I needed to then take which I completed, including filing a police report.
I filed the police report in XXXX of XXXX when I was told by National Credit Systems Inc. that I needed one. Also in XXXX I submitted the following documents to National Credit Systems Inc : my police report, FTC report, two years worth of leases proving my actual residency ( not in Michigan ), a picture of my drivers license, an affidavit packet and a Notice to Furnishers of Information. I followed up by calling them in XXXX and they said that they investigated the situation but my dispute was once again denied because my information matched the information that the false renter had provided on her rental application. I have contacted the collection agency and the apartment complex multiple times and neither have provided me with any options on how to move forward and resolve the issue. A few weeks ago, I gathered all my documentation and then mailed them to both XXXX and XXXX in order for them to reach out to National Credit Systems Inc. to resolve the issue and remove the collections from my credit report. This included a cover letter, police report, updated FTC report, copy of my drivers license, copies of the collection notices, and a copy of 605B of the Fair Credit Reporting Act. I recently received my dispute results from XXXX, and it has been denied once again, even though I have provided the proper documentation multiple times to both the credit bureaus and the collection agency. National Credit Systems Inc. has been very uncooperative in resolving this issue and I am requesting your assistance in helping to remedy this situation.
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| 08/18/2022 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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On XX/XX/2022, I contacted National Credit Systems INC. I spoke with XXXX XXXX. I paid the balance in full ( approximately {$2600.00} ) owed on behalf of XXXX XXXX XXXX. I was assured by XXXX once XXXX updated my payment I would receive a paid in full letter ( attached ) and the debt would be removed from my credit report. Until recently, this was true.
On XX/XX/2022, I submitted a rental application for XXXX XXXX of XXXX XXXX I was denied rent because XXXX XXXX reported the balance of {$2600.00} for XXXX XXXX Apartments was still owed.
I called XXXX with XXXX XXXX company ( the management company for XXXX XXXX XXXX XXXX on XX/XX/2022 and was advised to contact XXXX as they were reporting the incorrect/negative information. I called all three credit reporting agencies and each one stated that neither XXXX or XXXX XXXX was reporting on my credit report. I can not submit a dispute that does not exist.
On XX/XX/2022 I contacted XXXX XXXX and spoke with XXXX. XXXX advised he would submit a complaint to XXXX XXXX on my behalf. Reference number XXXX.
I received a notification today ( XX/XX/XXXX ) my credit reports had been updated by XXXX. All that was done by XXXX was to update my report with " dispute received ; account reporting accurately ''. I am tired of XXXX ' automated system flagging my credit report as disputed without an actual human verifying the information. Especially when a copy of the paid in full letter was submitted.
Having this debt on my credit report is causing me financial harm. I am scheduled to move from my current residence on the first of XXXX and have no where to live and like many others I can't afford a hotel. If I am not working I will lose my job. I can not simply stay in a woman 's shelter.
I want the account removed from my credit report as promised by XXXX ( tecorded line ), along with the dispute. I also asked XXXX to follow up with XXXX XXXX as I never received my deposit back from them. To date I have not received a response from XXXX or XXXX. I did contact XXXX XXXX as well, to which was in vain as they never returned my phone calls. I received the same lack of response from their corporate office as well.
I do not think it is too much to ask to report accurate information and I am tired of XXXX not taking the time to do the research. It's not complicated as they have the information on file.
I am sincerely hoping that you can expedite my request and have my credit report corrected as soon as possible. If I need to seek legal action I have no problem taking this route as this debt should have been updated and corrected at the beginning of XXXX.
Thank you for your time and I look forward to hearing from you soon.
XXXX XXXX XXXX
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| 12/12/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Im reporting the Apartment ( XXXX XXXX XXXX XXXXXXXX XXXX ) by and the collection agency ( XXXX XXXX XXXX ) for wrongfully charging me {$1600.00} for early termination and XXXX $ for legal fees when I have in-fact not terminated my lease. I have tried to as you will find in the emails I'm uploading as supporting documents- I believe the early termination fees is a wrong claim. I moved out on the last day of my lease XX/XX/2020. They claimed they charged the fee because I did not give a notice, but since they lied about the charge I would like them to remove the charge. The reason I couldn't give a notice is that when I called them to inform of the move out they talked me into extending my lease and offered to reverse the rent increase and I agreed, hence I couldnt have given a notice ( even though I called the office to give the notice as the email will prove ). As you will find in the email I'm sending, I was asked to come in and sign a new lease. This happened during covid and the office was closed every time I went to sign the new lease. Afterwards my car was vandalised which cost me {$850.00} in repair, neighbour pulled a XXXX, dogs without leash, the XXXX in the apartment broke for XXXX and it was not fixed until 2 days to the end of the lease ( ticket completion email was provided to collection agency ), all these and more made the apartment inhabitable, which I reported but nothing was done, so I had to move to my friends apartment at the beginning of XX/XX/2020 but I did not break the lease to avoid penalties. I moved out on the last day of my lease and returned the keys but they refused to do a walkthrough yet they charged me for various things that wasnt accurate like cleaning fridge and oven. All these happened during covid and offices were closed and everyone was on locked down per government advise to prevent spread of the virus. They filled an eviction which they withdrew when I moved out on the move out date on my lease and they charged me for the eviction fees. Also they charged me for trash that wasnt mine, I sent them a photo of the apartment when I moved. The trash was put there by their maintenance guys that had come to renovate the apartment for lease, the picture showed things like paint bucket and wood used for renovation, they agreed to remove this charge but never did. I also have a deposit which was never taken out of the balance they charged. They reported this in my credit and I have tried to dispute but they two companies are trying to frustrate me by denying responsibility and when I speak to the collection agency the agents are rude and they say the charges are valid notwithstanding the facts that there was Covid and the office was closed.
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| 08/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Hello, My name is XXXX XXXX XXXX and my Fair Credit Report Act rights were violated. On XXXX XXXX, XXXX. I was contacted by National Credit Systems on behave of XXXX XXXX XXXX. The letter was to collect a debt of XXXX. I have no knowledge of a balance with XXXX XXXX XXXX. I moved out XX/XX/XXXX. I was never contacted by the XXXX XXXX XXXX saying a owed them money. So when I got the letter from National Credit Systems a year later, I was shocked and surprise. I then wrote a letter on XXXX XXXX, XXXX. ( See Dispute letter attached ). I wanted them to validated the debt. On XXXX XXXX, XXXX. I received a letter saying they investigated the debt. However, the document they sent me are not sufficient evidence saying I owed this money. Print out with no signature, no hand written date and my lease. Just an electronic print out that could be doctored up to reflect dates they want to reflect. Around XXXX XXXX. I wrote and sent another letter ( trying to locate that letter ). I asked for postmark date mailing to prove that they tried to contact me before placing in collections, asked for move out paperwork with signature, walk through paperwork, payment history. On XXXX XXXX, XXXX, I received mailing stated that I did n't have sufficient evidence to validate my claim. Which was confusing because I 'm not the on making a claim of money owed. The burden of proof is on them to prove they did their due diligence. On both letter, it states national credit systems will revise or delete the information it may have reported on my credit report. On XXXX XXXX, XXXX, I applied for a car loan and was denied mainly for having time since delinquency is too recent, serious delinquency filed and time since collection is too soon. So after being denied for delinquency and collection ( See XXXX Load attachment ). I paid XXXX so I can look at my report. On XXXX XXXX, XXXX a collection was place on my credit report by National credit systems ( see XXXX attachment ). However, my first contact with them was XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I place a dispute with dispute with XX/XX/XXXX and a few hours later National credit system collection was removed. ( see XXXX investigation attachment ). National credit systems put a collection on my credit report before ever validating the debt. Also, the failed to remove the collection while my case was under investigation. I was denied car loan I desperately need, because of these legal act and practices by National Credit systems. My Fair Credit Report Act right were violated, National Credit systems were negligent and careless. My credit profile with my bank put me in a bad light. They did n't report my collection as a dispute. NCS defame my character.
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| 12/01/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XXXX XXXX XXXX, I XXXX XXXX was a guarantor for my daughter XXXX XXXX XXXX attending college ) for an apartment at the University XXXX XXXX in XXXX Ms XXXX The rental agreement that we applied for and completed a notarized document was for was for 1 year lease from XXXX XXXX, XXXX XXXX, XXXX. XXXX did not move from XXXX XXXX XXXX XXXX after the first year and she extended the lease for another year immediately after for XXXX XXXX, XXXX thru XXXX. Months later, I noticed a {$2800.00} debt on both our credit reports. I have disputed the debt for several years explaining I did not renew a contract nor did I sign for another lease in my name after the first lease but National Credit System nor the Credit Bureaus removed the debt. On XXXX XXXX, XXXX, I sent a certified letter and requested a letter of authorization for the debt owed by XXXX XXXX XXXX XXXX. The documents I recieved from the National Credit Systems were inaccurate and falsified. I did not relieve the lease that we both sign but instead I was sent a lease contract dated XXXX XXXX, XXXX thru XXXX, XXXX, a period that me nor XXXX never sign for. Here are a list of inaccurate item in the contract.
1 ) The lease contract was not filled out by XXXX nor myself. It 's in someone else 's handwriting and the Guaranty Information at the top of Guaranty page was not completed by me.
2 ) The starting date on the new contract do not coincide with the date of the original lease from XXXX XXXX, XXXX to XXXX XXXX, XXXX.
3 ). The date on page XXXX of the contract was changed to XX/XX/XXXX. Why would anyone sign in XXXX, XXXX to rent an apartment in XXXX XXXX.
XXXX ). The notary signed by XXXX and myself was signed XXXX XXXX, XXXX for a lease dated XXXX XXXX, XXXX XXXX, XXXX, XXXX. This notary was attached to the new lease dated XXXX XXXX, XXXX thru XXXX, XXXX XXXX.
5 ). The Residents Transaction inquiry detail show for months outside of the contract date, Also on the transaction page it showed she was a previous tenant. Where is the previous contract?
6 ). There are no transactions to show charges and amounts paid from the beginning of the original contract ( with XXXX an last months rent deposit ).
XXXX ). The move in condition form was dated XXXX XXXX, XXXX. Which was the date she first moved into the apartment.
I did not sign nor did I agree to attaching the original notary with my signature to a new contract nor was I informed that this would be done. After carefully looking at the XXXX XXXX XXXX contract, I recognize that the XXXX XXXX contract was completed by taking pages from the original XXXX XXXX contract and inserting pages with our signature to forge a new contract.
Please investigate this matter!
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| 08/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I moved into the XXXX XXXX sometime in XXXX of XXXX. I signed a lease. That following year, sometime after the pandemic hit, I was having financial difficulties and fell behind on my rent, in the amount of aprox XXXX. I was being threatened that I would be evicted. I reached out to several agencies to apply for help. One agency in particular said they would help. XXXX XXXX I let the property manager know. ( XXXX XXXX ) After the agency paid the balance on my behalf, I regained a positive rent balance. A year later, At one point, I was deciding on moving in with a family member to share the financial responsibilities. So I let the office manager ( XXXX XXXX ) know that I wasnt ready to sign a lease for another year just yet. So she started charging me a month to month rental amount, which was XXXX. Which also included a fee of an extra XXXX. In total that was a XXXX monthly rent amount for a one bedroom apartment.
( And the complex had a bad roach problem. ) Knowing that amount was too steep for me, I decided to go ahead and sign the new lease. This is where the drama started. I let XXXX know I was ready to sign the lease, she said she would put it in my door ( as she did with all paperwork ) and for me to sign and bring back to the office. She never put it in my door. I emailed her several times about the lease, stopped by the office to sign the lease to no avail, she wasnt there. Never received the lease. She continued to charge me the XXXX a month amount. So I fell behind on the rent. But not the amount she is claiming and reported to the company who reported to my credit report. I reached out to XXXX again. I contacted XXXX numerous of times by phone / email and stopping by the office to get the new lease and also get the correct amount that I owe so I could pay. ( I have proof ) She just kept saying that the agency would pay it, dont worry about it. So, the agency, indeed was going to pay it. But XXXX didnt send in the paperwork needed for them to pay it. And also some paperwork she sent in didnt have my name on it, ( I have proof ) so the company denied my request for help. So, she would never give me the correct amount, never would give me the new lease to sign and she kept overcharging me that ridiculous XXXX a month. I decided to move, I was afraid of being evicted. I moved out in XX/XX/XXXX. She was XXXX that I moved and reported a bogus amount that I owed ( over XXXX dollars ) to this collections company, who then reported to my credit report. Causing me to be XXXX. I believe she price gauged my rent in attempt for me to get the agency to pay it so she could pocket some of the money. Thats why she was XXXX when I moved, because her plan didnt work.
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| 08/03/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX National Credit Systems opened a collection action against me in the amount of {$950.00}. NCS reported to all three credit bureaus that XXXX XXXX XXXX is the original lender. The invoice by XXXX XXXX to me was not a loan, but rather charges for damages to an apartment I rented for 15 years. The claim of damages was for smoking in the premises which was not dissalowed.
I disputed the charges with XXXX XXXX, National Credit systems, and all three credit bureaus stating that this was not a recurring payment, a loan, or a charge permitted under the rent agreement between myself and XXXX XXXX. In the only telephone conversation with NCS, I stated that this charge was a contract dispute, I would not pay it, and would welcome any lawsuit against me to collect the charges. NCS stated they would not pursue the matter further, but reported the uncollected charge to the three major credit bureaus. I also requested to XXXX XXXX to sue me in court, but they have not done so.
NCS inititially reported this unsubstantiated charge five times to XXXX between in XXXX according to XXXX records. NCS has also just recently reported it again in XX/XX/XXXX to XXXX, and XXXX has reported it again as a late payment. According to credit laws and regulations, this is not allowed as this is not a recurring payment as explained above.
My filings with the three credit bureaus stated that this charge was a contract dispute with XXXX XXXX and not unpaid rent or any other recurring charges, but all three credit bureaus replied to me that they had validated the charge. Their " validation '' would require them to make their own legal opinion of fifteen years of contracts, contract amendments, apartment rules changes, grandfather clauses in the contract, and XXXX XXXX managements to me acknowledging that smoking was acceptable under my contract terms.
The deragatory negative reporting of this charge by the three credit bureaus without a proper validation process of a contract dispute leaves the door open for abuse to me by XXXX XXXX and National Credit Systems. This matter can only be settled by a court of law and should not be allowed to be reported as a derogatory account on my credit reports. I can not bring a lawsuit in small claims court since I can not show a monetary loss or expense. XXXX XXXX or NCS will not sue me as they both know that they do not have the contractual basis to charge me the {$950.00}. A court could rule on this matter in 30 minutes, but XXXX XXXX and NCS has chosen in malicious behavior instead. And the three credit bureaus should not be able to list this on my credit reports based on their delinquint and abbreviated " validation process ''
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| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I have contacted by ( certified mail via USPS ) XXXX and have not had this issue resolved. In accordance with the Fair Credit Reporting Act, everything reported has to be 100 % accurate on a credit report. XXXX is reporting addresses that are not accurate or relevant. I did not give XXXX permissible purpose to report false and inaccurate information on my credit report. I can not receive mail or any correspondence nor do I have access to any of these addresses. XXXX is reporting inaccurate account numbers and reporting collection accounts as " late ''. When I cross checked my credit reports the account numbers are different across all of the agencies. In my certified Letter I requested the original contract to show proof the accounts were valid. All i received was a letter saying the accounts were verified and none of the request made in the letter. There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. My rights have been violated under 15 USC 1681 section 602A, which states I have the right to privacy and under 15 USC 1681 Section 2 which states a consumer reporting agency may NOT furnish a credit report without the consumers written permission. Pursuant to the FAIR CREDIT REPORTING ACT 15 USC 1681 ( a ) ( 4 ), I am a federally protected consumer and I have a right to privacy. Not granting me my rights is in direct violation of 15 USC 1681 and all its subsections.
In accordance with the Fair Credit Reporting act ( National Credit System ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
In accordance with the Fair Credit Reporting act ( XXXX XXXX XXXX ) has violated my rights by reporting inaccurate information across all 3 credit bureaus. I would like the account to be removed and deleted. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my hand written instructions.
I would like compensation for the various violations on my credit report for this has had an adverse affect on my ability to obtain credit. For this i should be compensated do to their fraud and negligence. An example should be made so that no other consumer rights are violated. This is a serious matter and should be rectified asap.
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| 12/10/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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The collections company : National Credit Systems , Inc. ( NCSI ) has been attempting to collect a debt from me since XX/XX/2015. I didn't feel obligated to pay the debt because I was living in an Apartment Complex where the maintenance and office staff were harassing me and my roommate by " XXXX us with odors '' that made us feel noxious and sick and made it hard for me to sleep at night, which made it hard to go to work the next day and hard to go to work the next day. The Apartment Complex is called XXXX XXXX, in XXXX AZ, and the it was apt XXXX that I left w/out paying to break the lease. Me & my roommate kept calling police, fire dept., and even hired a private investigator to try and find out who was " XXXX us '' and how they were doing it. We concluded that it was an inside job, because when it first started and we had the manager come over to smell the odor, she said of course, that she could not, and the same w/the maintenance staff so we were unable to say that the apartment was uninhabitable to break the lease. We ended up having to go through the AZ Tenant Association ( ATA ) and followed XXXX XXXX advice to not break the lease and not have any contact w/the collections agency. After a year of doing this, I tired of the phone calls from everywhere at all hours, and I ended up calling them and attempted to dispute that we owed any money since we were the ones that were harassed by odors being pumped into our apartment, making it inhabitable. If there were no odors or ( harassment ), we wouldn't have left. NCSI stated they investigated but they didn't find any evidence to validate our claims. I didn't set up a payment plan w/them or call them after this, however, the horror story of being harassed by odors being pumped into any place we have rented since leaving XXXX XXXX XXXX XXXX has been ongoing, and we believe it is now being done by the collectors that work for the agency. I have moved every year since leaving XXXX XXXX XXXX XXXX to find a place that is safe where the odors will not happen to us, not because I enjoy spending the money it has cost me to move, even paying to break leases, in an attempt to escape the harassment as the odors inevitably start again in about XXXX mos. every time I have moved in to a new place. I have moved XXXX times in the XXXX years since leaving XXXX. I am not living in a house I rented thinking I could escape being harassed if I didn't rent an apartment, townhome or condo which are more closely spaced together and often times share the same ventilation systems, making it easier to have access to, but I'm still being XXXX by smells here! This has got to stop, please help me with this ongoing harassment.
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| 03/17/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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TO NOTE : I already disputed on CFPB about this same case last year. The case number is XXXX. The company responded and removed the debt off my name. But I don't know why it is showing up again this year.
National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX XXXX but left even before I moved in. We have the same last name and our first names are similar. The first three letters of the first names are the same. This might have caused the company to think that we are the same person. I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX XXXX in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary. In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof. This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue. The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time. In the attached documents, you can see that debt owner and I are completely different people. Description for the attached documents : 1. NCS Account.pdf- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX XXXX ( All this information shows the debt owner is not me. ) 2. Itemized Charges {$150.00} from NCS.pdf -- shows the charging details. Again, the listed residents are not me. XXXX. XXXX XXXXXXXX XXXX -- This is the lease I signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX, starting from XX/XX/XXXX. XXXX. XXXX XXXXXXXX XXXX XXXXXXXX -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX XXXX for unit XXXX. XXXX. XXXX -- This is the dispute case details on CFPB that I submitted last year.
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| 09/08/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Started : XXXX XXXX Today : Date : XX/XX/XXXXXXXX Re : XXXX XXXX ( SS # ) My name is XXXX XXXX. I currently receive mail at XXXX XXXX XXXX XXXX, XXXX, FL XXXX. In XXXX I moved to XXXX Ga for 5 years. National Credit Systems has a outstanding balance of {$5200.00} with XXXX at XXXX. I am listed as a guarantor for XXXX XXXX. I spoke with XXXX XXXX XXXX after my application was denied for a rental property ( XX/XX/XXXXXXXX ) due to this debt., XXXX XXXX XXXX she did not use my Identification to obtain residency at the XXXX on XXXX. XXXX claims she used her mom XXXX XXXX information to obtain residency. I have also contacted XXXX XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX with National Credit Systems concerning this balance. I asked XXXX ( ext XXXX ) for more information or seek a settlement for the debtor ( XX/XX/XXXX ). XXXX claims she reached out to the debtor. XXXX is the company in charge of XXXX on XXXX. I contacted XXXX on XXXX Account recovery manager XXXX @ XXXX XX/XX/XXXX. On XX/XX/XXXX, XXXX XXXX ( XXXX ) returned my call. XXXX XXXX ( account recovery manager ) states XXXX does not have any collection on my name or records. I reached out to XXXX a 3rd time and she stated that XXXX contacted them via email confirming they don't hold any debts pertaining to my name. XXXX claims she is reaching out to the debtor to resolve my concerns ( would get back with me its been over 3 months ). However, XXXX ext XXXX has not returned my call concerning moving forward with information from the debtor. XXXX has not succeeded in helping me move forward, XXXX will not give me any information who hold the outstanding housing debt account, or who she reaching out to help resolve my concerns. I need help getting this resolved. I have tried to dispute this outstanding housing debt to establish residency for my family. We are currently homeless. Please help! I have explained my concerns to XXXX XXXX with National Credit Systems at Ext XXXX, however she has not been helpful at ALL! Today XXXX XXXX, XXXX, I called XXXX XXXX XXXX to see if she has heard back from the debtor and she says that she can not release me any information but will contact me soon as she does. One hour later XXXX calls me back and says she called back by accident. This is very upsetting because my lively hood is being held in the balance while XXXX XXXX seems to enjoy keeping me in XXXX, only demanding {$5200.00}. I asked XXXX if I can make a payment of {$50.00} until in can get This case in a court room to clear my name ) she replied thats such a small amount on such an outstanding debt! She will not accept a payment or an arrangement under {$3000.00}.
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| 08/30/2021 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Good Evening, I am complaining against NATIONAL CREDIT SYSTEM for using depictive tactics to collect a doubt that I was never notified of until more than a year and a half later on an apartment.
Back ground : I resided at XXXX XXXX XXXX for 4 months in XXXX XXXX for an internship. I moved out on XX/XX/XXXX. I turned my keys in then. Electricity was turned off as well. I forwarded the mail in case there was any bills.
I never received a notice of any past due items from the apartment, as required by the Tax law ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX page 20 ).
I since then moved to XXXX to work at the XXXX, and during telework I received a call ( on XXXX ) saying that I was in collections from National Credit system using a Florida number ( XXXX ) XXXX for an XXXX company. On the XX/XX/XXXX call after being told that they did not have to prove that the date was correct ( XXXX ) for the move out, I told the collections company to only contact me through the mail. They have since contacted me from the Florida As stated on the phone with XXXX XXXX on XX/XX/XXXX, I contest these charges. I gave notification on XXXX that I was moving out in 30 days. I actually turned in my keys on XX/XX/XXXX, before I had a job interview at XXXX. I paid rent completely through XX/XX/XXXX ( attachment 1 ). At that point all fees associated with normal day to day living ( for all previous months ) had been covered.
The fees that are being charges are padded and I told XXXX XXXX on XXXX that. Case in point, On XX/XX/XXXX I received an email ( from XXXX XXXX ) saying I owed until XX/XX/XXXX, in which I responded back that I only owe 30 days since I was not under a lease. I also asked for a prorated cost of the 5 days and never received a response ( attachment XXXX ). I will not pay a late fee associated with this since the request for a prorated bill was requested beforehand.
I dispute all charges, including charges such as a VCR. XX/XX/XXXX does coincide with the date I stopped electrical service. With the charge from XXXX stopping the Monday after I moved out, this does give evidence that the Landlord knew I was no longer residing at the residence and notice the electricity was in their name. Which they did not legally This bill has been padded and is not correct. As I told them on the call. I also submitted my contestation of the debt to the email account that they used.
Besides the business trying to collect a debt they are not legally able to, I believe they are using deceptive practices ( numbers from outside of their state ), not allowing email communication even thought they verified the debt through email, and
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| 02/26/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Consumers ( XXXX XXXX and XXXX XXXX ) excised their right under the FDCPA secton 809 requested in writing a letter of Validation of debt to NATIONAL CREDIT SYSTEMS defined as a debt collector under the FDCPA and Person under FCRA. The first letter of validation of debt was sent XX/XX/XXXX to debt collector ( NATIONAL CREDIT SYSTEMS ) requesting the original signed contract the original signed security agreement and requested proof that Persons ( NATIONAL CREDIT SYSTEMS ) is in fact an license XXXX XXXX XXXX XXXX XXXX ( XXXX ) and has the legal right to collect debt. Months has went by and the Person ( NATIONAL CREDIT SYSTEMS ) has still not provided any documents requested in the letter of validation of debt therefore the debt is unverified. According to the FCRA section 609 the consumers XXXX XXXX and XXXX XXXX exercised their rights to request further information about the item on credit report ( which is defined as consumer report under the FCRA ). Further information request was for the original sources of the information reported including but not limited to the Original signed contract and the original signed service agreement. XXXX ( defined as consumer reporting agency under FCRA ) has not done a proper investigation behind the person ( NATIONAL CREDIT SYSTEM ) claim nor provided the consumers ( XXXX XXXX and XXXX XXXX ) the required documents requested within their rights under the FCRA Section 609. The person ( NATIONAL CREDIT SYSTEMS ) continues to be non compliant to the FCRA by false publication of unverified debt the consumer reporting agency and has caused damage to both Consumers ( XXXX XXXX and XXXX XXXX ) consumer report ( Credit report ).
XX/XX/XXXX The consumer ( XXXX XXXX ) spoke to XXXX XXXX an manger at persons ( NATIONAL CREDIT SYSTEM ). When asked was there any Original signed contract or Original signed security agreement. XXXX XXXX stated that she does not have to provided the information and that she will continue to report the item until the alleged debt has been paid. XXXX XXXX employed at person ( NATIONAL CREDIT SYSTEMS ) has made a threat to continue to report unverifiable debt to the consumers ( XXXX XXXX and XXXX XXXX ) consumer report. The behavior and action of both consumer reporting agency ( XXXX ) and Person ( NATIONAL CREDIT SYSTEMS ) is a violation of the rights of the consumers protected under the FCRA section 609. The alleged item is to removed from both consumers ( XXXX XXXX and XXXX XXXX ) consumer report immediately. The following documents attached are correspondence sent to both consumer reporting agency ( XXXX ) and Person ( NATIONAL CREDIT SYSTEMS )
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| 10/09/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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On XX/XX/XXXX I received a notice from XXXX XXXX XXXX leasing office in XXXX, TN that I owed {$1800.00} in back rent. I immediately called the leasing office to ask how is it that I owe back rent when I have paid my rent on time and full for the past three years. The person who answered the phone hung up on me. On XX/XX/XXXX I was delivered a Detainer Warrant to appear in court on XX/XX/XXXX, at XXXX : am in General Sessions court. I continued to pay rent. I paid XXXX rent on time.
I went to court on XX/XX/XXXX at XXXXXXXX XXXX. and waited for docket # XXXX to be called. That docket number was never called and I didnt see anyone from XXXX XXXX XXXX I recognized. The docket # was never called, but instead rescheduled for XX/XX/XXXX at XXXXXXXX XXXX I called the General Sessions Court and spoke with court clerk and she told me that the case was a continuance and rescheduled for XX/XX/XXXX at XXXX XXXX I went to court and my case still wasnt heard.
I went to the leasing office XX/XX/XXXX, to pay rent and the office manager told they were no longer taking rent from me. She didnt tell why. I told her I had already paid XXXX rent. She told me that she knew and it was in their attorneys office. The case wasnt being heard and I contacted XXXX XXXX office via email and let them know I would be moving out in XXXX. I had been to court many times and my case hadnt been heard. In XXXX In went to General Sessions Court and received a print out of a document that a writ had filed on XX/XX/XXXX for eviction. The document had the initials XXXX, the wasnt me initial of my first but my daughters first name, but she didnt live in Tennessee or has never been to Tennessee XXXX I never mentioned my daughter to the leasing office or anyone else in the building.
Before moving I made every attempt to share the documents I had with the leasing office and corporate office located in XXXX, TN to show that my rent was paid on time every month and in full. They never bothered to respond.
Before moving out on XX/XX/XXXX I made sure was clean and livable. I handed in the apartment key to the office manager, the key fob, and mailbox key. I offered to pay for the months from XXXX to XXXX which would have been {$3000.00} with a down payment of {$860.00} with a notarized statement. They refused. There was a court date scheduled for XX/XX/XXXX and I returned to XXXX hoping this case would be finally resolved. This was my 10th court appearance. A collection agency in XXXX, Georgia National Credit Systems case # XXXX has a reported amount of {$4900.00} from XXXX XXXX XXXX XXXX.
I been to court a total of 10 times.
XXXX XXXX XXXX XXXX.
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| 01/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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For several months, i've relentlessly tried to get inaccuracies removed from my credit so that my children and i would have access to the basic necessities. Ive had some success as evidenced by the exhibits attached ; however the deliberate consumer abuse unfortunately continues. These companies ' negligence has caused such harm and distress to myself and my XXXX minor children. There are Acts put in place to protect the consumer ; and willingly and knowingly violating the laws have monetary, civil, and sometimes even criminal liability. National Credit Systems, after failing to ADEQUATELY and LAWFULLY validate any alleged debt, slightly followed protocol by the removal of this inaccurate and derogatory account from the XXXX consumer credit report. Sadly, they've knowingly committed fraud and inflicted harm by continuing to report this inaccurate account ( National Credit System Acct # XXXX ) to XXXX as " verified '' ; all while essentially admitting to the inaccuracy and fraud by the deletion from the other previously mentioned Bureau ( XXXX ). Please help me to understand how this account can be verified with one Bureau and be deleted/removed by another. Are other Bureaus, such as XXXX, held to a higher level of integrity and accountability than XXXX? Why is XXXX willing to assist these fraudulent companies in harming the consumer? What is the use of the Fair Credit Reporting Act or the Fair Debt Collection Practices Act, if it is not abided by ALL in commerce? What is the future of commerce if consumers are purposely oppressed by the entities designated to protect them? What is the future of commerce when criminals get to hide behind fictitious entities and bleed the natural person of their XXXX given rights. As I type this complaint, one of many, I literally have XXXX weeks to vacate an extended vacation home but am unable to, due to the inaccuracies on the consumer report causing the adverse action during the application process with leasing companies. This inaccuracy and fraudulent, unruly behavior on the behalf of the companies attached to this complaint ; has done far more than damage my credit worthiness, or my slander my reputation in commerce- these excessive and perpetual violations have ultimately infringed on my life, my liberty, and my ability to obtain even a rental property to call home for more than a couple of months. I need these inaccuracies PERMANENTLY and IMMEDIATELY deleted and blocked from ALL consumer credit reporting companies and bureaus, this includes XXXX, Corelogic and all other adjacent reporting companies which XXXX furnishes with this inaccurate information.
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| 10/22/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XXXX my roommates and I found the property XXXX XXXX XXXX, managed by the company XXXX, online and as I am the only one of the four of us in the same state as the property I took two days and rented a hotel to see it in person. In order to view the apartment/townhome, we had to fill out a lease and put down the {$100.00} application fee as well as a {$350.00} deposit. When I arrived it was to find XXXX XXXX XXXX was not the clean and safe community advertised ; the streets were in disrepair, the garbage was overflowing onto the street and people 's possessions appeared to have been thrown out on the lawn. When we inspected the apartment itself not only was it outdated, there were cracks in windows and patio pavement, part of the stair railing missing, and old carpet in a filthy condition. As this was not at all what we'd been led to believe we were paying for I asked for our money returned. First with the community office, where they were very confrontational and when it became clear we could not reach an agreement I then contacted my credit card company to file a dispute. My credit card company refunded the money and XXXX agreed to send a check back. I informed the XXXX 's office multiple times that I would not open any mail or check addressed to the other three people on the lease as they do not live with me but the company sent a check addressed to the four of us to my address anyway., this was around XX/XX/XXXX. I sent it back. Recently, as of XXXX, I received a letter and three other letters addressed again to people who I'd informed the management at XXXX XXXX XXXX multiple times do not live with me. The letters were from a collection agency and the one addressed to me stated I owe XXXX XXXX XXXX {$400.00}. I can confirm they also requested the same amount from my potential roommates. After being promised a return of our money they are now requesting through a debt collecting company that we pay {$400.00} each ; and will damage our individual credit scores if not paid. I attempted to contact the debt collecting company, XXXX XXXX XXXX, and spoke with a representative who not only refused to transfer my call to a supervisor but hung up on me. I then attempted to call the Corporate Office for XXXX at XXXX and have yet to receive a call back after leaving a message about the situation. The application fee was {$100.00} if that is what they are requesting we pay, not {$400.00} each. I can only assume this is some sort of petty scam for extra money, the consequences of which are going to have a negative effect on my credit. I will also be contacting the XXXX XXXX XXXX on this matter.
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| 11/01/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I rented an apartment in XXXX, AZ around XXXX or XX/XX/2017. Within the first month or two, I was able to terminate the 12 moth lease early because my apartment was deemed uninhabitable due to a roach and silverfish infestation. They had said there were roaches around the complex, and to be careful even though the complex was sprayed often. However, upon move-in day and over the course of my time living there, they only sprayed once despite several complaints. I gave full permission to enter premises to spray for roaches. Several times they said someone was scheduled to spray but just never showed up. There was bug infestation in and around the dishwasher, kitchen sink, bathroom sink, behind/around the fridge, in ALL of the kitchen cabinets. A hole in the cabinet also led to droppings falling in my sink. Also, I was able to break the lease because they lied about certain and specific facilities ( even when asked before I signed the lease ). They said they had a gym, a pool, and a tennis court. They had none of these. They said there was a personal trainer XXXX times a week for an hour instead of a gym. Regarding the pool and tennis court on the complex 's map, it was just a parking lot, storage, and grass. I found evidence of an undisclosed mold/mildew problem that was merely painted over ( you could still smell it ). The dishwasher leaked causing a large mold problem that rotted the cabinets and warped the floor. There was mold everywhere in the bathroom and a kitchen sink area. The bathroom breaker box did not have a cover. There was a very large ( think full jansport backpack ) sized hornet/wasp nest in our outdoor storage shed. They showed me a model apartment and said the apartment I was to be renting looked virtually the same. I was told I could not view the apartment due to it being rented. Then XXXX XXXX put me in filthy, unsanitary, unhealthy conditions. I was intentionally misled about facilities, common areas, and the ability to rent in livable conditions. There were many more issues as well. I have all documents involved with my lawyer and the XXXX XXXX complex if you would like more info. My lawyer helped me terminate the lease legally. There is no public judgment against me. However, XXXX XXXX sent me to collections for {$3200.00} with National Credit Systems. I even paid for a credit repair team named XXXX XXXX XXXX to help take the collections off. I still have the collection on my Experian credit report. I do not owe the debt. I do not deserve a near hundred point drop in credit. I can send over any and all documents, emails, and communication, if requested. Thank you.
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| 10/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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National Credit Systems , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX ) ( NCS ) is causing us intentional harassment, and financial harm due to invalid debt collection/ reporting to credit agencies.
NCS is intentionally concealing the accurate description of this invalid debt, as they know it is not subject to collections in AL. I have reached out to NCS to dispute the validity of this debt, from our previous Landlord ( XXXX XXXX XXXX XXXX XXXX/ XXXX XXXX ), in XXXX AL.
NCS is attempting to collect {$490.00} from us for 'carpet damage ', however, 'carpet stains ' are not considered 'damage '. In Alabama Landlord / Tenant Law : 'stains on carpet ' are considered 'normal wear and tear ' in the legal sense, and not subject to collections. NCS must know this.
( There are additional details omitted from this complaint specific to the carpet / Landlord deficiencies not relevant to the collections company ( NCS ) ) NCS sent photos of the carpet stains, but did not call them stains, NCS listed the 'stains ' as 'damage '. I have included this NCS XX/XX/XXXX letter for reference. Also, in this letter specifically, the XX/XX/XXXX Security Deposit Statement letter included from XXXX, and the XXXX XXXX XXXX were never sent to us by US mail.
Furthermore, I do not know the stains are even from our carpet. From the beginning, I have requested debt validation documents- like an actual bill, ( none was ever sent to us by XXXX ), and each letter I write to dispute the debt, NCS and XXXX collude to fabricate fake documents I have never received by US mail from XXXX. NCS will send these fake documents, and avoid to accurately describe the actual details of the charge as carpet stains, and instead mislabeling it as carpet 'damage'- which is subject to collections.
National Credit Systems sent collection letters on the following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Now NCR has reported this invalid debt to the credit reporting agencies, and our credit scores have fallen. This is intentional harassment, and NCSXXXX XXXX XXXX is causing us financial harm due to this invalid debt, that I have requested re-evaluation, and additional documentation on. NCS knows this is not a valid debt, and is trying to conceal that fact, in order to harass and harm us for the predatory LandLord - XXXX XXXX is the XXXX XXXX XXXX of XXXX XXXX XXXX XXXX ( XXXX, NY ), XXXX XXXX is the XXXX XXXX at XXXX at XXXX XXXX XXXX XXXXXXXX AL ).
NCS needs to restore our credit rating, and retract this harmful, false, and derogatory information from the record. I hope you can help, and we look forward to a resolution soon.
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| 05/26/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX, Apt XXXX XXXX XXXX, GA XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Cease and Desist Communication Pursuant to FDCPA, Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ) Dear Sir/Madam, I am writing to you in regards to the communication I have received from your company, National Credit Systems , Inc. , regarding an alleged debt. This letter serves as a formal notice demanding that you immediately cease and desist all communication with me through ALL and ANY MEDIUM except for communication of remedies for XXXX XXXX, the natural person and consumer, via EMAIL ONLY, as outlined under the Fair Debt Collection Practices Act ( FDCPA ), specifically under Title 15 USC 1692a ( 6 ) and Title 15 USC 1692c ( c ).
Pursuant to Title 15 USC 1692c ( c ), I dispute the ALLEGED debt and refuse to pay the ALLEGED debt.
According to my rights as a consumer under the FDCPA and pursuant to Title 15 USC 1692c ( c ) ( 2 ), I am entitled to request the following remedies : XXXX out the balance of this account.
Provide XXXX XXXX, a consumer and natural person, with documentation showing the account was XXXX out via email.
Cease and desist reporting of the debt collection activity to all consumer reporting agencies before and after this date of XX/XX/2023.
Remove ANY AND ALL reporting of the debt collection activity from all consumer reporting agencies.
I expect full compliance with this request within fifteen ( 15 ) days of the receipt of this letter. Failure to comply with this request will leave me no choice but to pursue all available legal remedies under the FDCPA and any other applicable laws to protect my rights. This may include filing a complaint with the appropriate regulatory agencies and seeking legal action against your company.
Please be aware that any further communication from your company after receiving this letter will be considered a violation of the FDCPA and may be used as evidence in legal proceedings against National Credit Systems , Inc .
Kindly confirm in writing that you have received this cease and desist letter and have taken the necessary actions to halt all communication in relation to the alleged debt. Please note that any further contact or attempt to collect on this debt without providing proper validation or proof will be considered a violation of the FDCPA.
Thank you for your immediate attention to this matter. I trust that you will respect my rights as a consumer and comply with this request. I look forward to receiving your written confirmation.
Sincerely, XXXX XXXX Natural Person and Consumer
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| 06/09/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I moved out of XXXX apartments in XXXX in XXXX of XXXX the property manager sent me an email asking for {$310.00} pro rated move out cost. I submitted payment the very next day. After a month or so I had to email her to ask for any other move out cost including what is the balance that I would get back from my deposit. Then she claimed that she mailed me that information to the same apartment that I moved out from hoping that I had a forwarded mail under USPS. when I signed my move out document, I said I didnt know where I was going to live to please email me any important document. I had to contact a regional manager of hers to claim that she never sent me these documents and on top of that that I would be owing {$1000.00} because of apartment damages when I claimed that I never received notice. She forwarded an email to the regional office that was falsified by adding information that she did not add in the email she sent to me, after many communications back-and-forth with the property management company, they decided to drop any charges because I was able to prove that the damages that were claim were from another unit that I never lived in based on the pictures they added as evidence the pictures did not match my floor plan on top of that I paid and {$970.00} deposit that should cover my damages. They claim that I never paid a deposit although I have the letter requesting a deposit and the two money order that I paid to be able to move. After a year, they send me to collections for a different amount than the one they sent me and I received a year before claiming that I did not pay my prorated rent for the last month, which I also have a receipt I tried to reason with the apartment building up with national credit collection systems, but they denied to receive any evidence claiming that regardless of any evidence I need to pay full amount and before I do this, I wont be able to move Anywhere which is true I was denied a residential application. I have evidence of the payment submitted for the prorate it last month I have evidence of paying my move-in deposit. I have evidence of the wrong amount that they submit it to the credit bureaus comparing the request that they sent to me first to stay amount they reported. And I have evidence of falls, attorney fees that she tried to charge me. I added evidence of the XXXX XXXX disposition showing a different amount and evidence of me providing a good address for important documents but and claim they sent collection documents to a wrong address. When asked for that evidence they denied it. There is a screenshot of the collection.
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| 02/05/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX National Credit system , Inc was contacted about a letter received in the mail about a debt for the amount of XXXX. XXXX was the person responsible for the account. When, i was transferred i was connected to her. As, the representative she was the one handling my case. We talked on the phone about the the debt owed to the XXXX XXXX then I informed her after looking at the charge statement that there were discrepancy and inaccurate information reported from the XXXX XXXX XXXX. When, this was mention to XXXX XXXX she kept referring me to the lease agreement and kept telling me that I still have to pay the debt even if what they are reporting is false. Also, when asked for a more details charge statement XXXX was unable to provide the documents claims.
However, a proper noticed was given to the XXXX XXXX in which they Summit falsified information to the collection. In they are telling me to pay and that their client have a right to whatever charge and i have to pay. I explained to her that a written notice was given and the correct move out date which was XX/XX/XXXX.
After, that I kept asking for a better explanation to properly understand the charges XXXX proceeded to tell me " she was not going to keep going back and forth with me because has already explained to me ''. Which, was when I told her " I'm not going back and forth with you because I'm trying to understand these charges which are not making any sense to me '' then she said " yes you are, '' then I said " I'm trying to understand these charges, ''.
However, the conversation carried on in which XXXX started to become very unprofessional, rude, emotional and condocending. Then, proceeded to abruptly disconnect the call.
She also brought up that " they were her clients '' and I replied back " Yes, they are your clients so your going to do everything you can to get me to pay even if its false, so you are bias in this matter because your not her for me but for your client. She She told me I was taking this personal and making this personal. In, which I had to say " no I'm not, '' again. I, then told her that I'm trying to understand charges. I'm being told to to include late fee in the amount but it is included in the statement charge.
On top of that when asked for a detailed statement she said she has to contact her client for them to properly confirm but if that was the case the settlement would be no more and it could more to pay for me. Also, to send in documents and a letter about the charges. She then proceeded to escalate the the dispute when I did not give consent or direct permission.
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| 06/30/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I believe this collection is falsely being reported on my credit report by error or as a result of identity theft. in 2019 I was contacted by a business who suggested I contact the credit bureaus because I may have been a victim of identity theft and fraud. I contacted another credit bureau is where I found the collection. I reached out to the business. I had never heard of this business until seeing the name on the report. I am not liable for this debt with NATIONAL CREDIT SYSTEMS INC. I do not have a contract with the collection agency trying to collect and report this to my credit report. I did not sign any paperwork with the collection agency NATIONAL CREDIT SYSTEMS INC. stating that I would pay them or owe them any money. I requested they provide me with the original contract. They did not provide me with the contract as requested. I want a correction to my credit report, I demand that this account be removed from my credit report. I do not know who National Credit systems is, yet I do know that they are doing bad business practices as far as I can see, National Credit Systems does not verify information they receive for accuracy. They report inaccurate information and put debt in collections accounts that otherwise would not be there. This is wrong and has caused conflict when it comes to verifying my identity because I do not have any debt. I am making this complaint because I have contacted National Credit Systems about this more than once, from the time I first learned about their information on the consumer report file account, yet they have not made any effort to remove the inaccurate information that they are reporting saying I owe them money I never agreed to pay them and do not owe and is not my debt, yet they have made every effort to have it remain on the consumer report so that they can be paid from my account to themselves which is a attempt to use me as a source of their funding, which is wrong. They have been trying to do so by using a way to have this incorrect information continue to be reported, causing me delays, false declines, and a negative narrative that I have debt and owe and not responsible to pay. Which is not true and absolutely unfair that no one is taking that seriously, because I have made several complaints about this from the time I have learned about it, and even I years later I have made complaints about it and it is still there on the report. I am making this complaint to have this removed for a resolution for this error or what is being intentionally done by NATIONAL CREDIT SYSTEMS INC. Thank you for you help with this.
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| 04/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was discharged in bankruptcy
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Web |
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This issue has already been brought to the attention of Cfpb, with no outcome, even when submitting all documentation trying resolution of this debt.
In XXXX, after losing my job due to a XXXX medical condition, I leased a XXXX-bedroom apartment through XXXX XXXX XXXX. Below is the address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX.I entered into this lease with a co-worker, XXXX XXXX ; and due to my job loss, and my first SS XXXX check not coming till XX/XX/XXXX ; I had a co-signer XXXX XXXX , a friend of mine.
After not quite 6 weeks, XXXX, my roommate explained to me that her daughter needed a place to live. Together, we both went to speak with the Business-Department @ XXXX .They were understanding, allowing me to transfer to the only apt . vacant @ the time, as a temporary move until something became available on the first floor. With my medical condition worsening, my physicans wrote a letter to the XXXX that I was in need of a XXXX floor apt , due to my inability to continue living on the XXXX floor without elevators. This new address I moved into on XX/XX/XXXX was : XXXX XXXX XXXX XXXX . XXXX XXXX, NC XXXX. My security deposit and co-signer application was transferred to the new address.
Upon losing my position in XX/XX/XXXX, I was faced with filing Chapter XXXX Bankruptcy, due to my debt I could n't pay. My lawyer advised me, to convert this to a Chapter XXXX, since I could not pay the debts included in my initial Chapter XXXX petition. named XXXX as a debtor in both chapters. They did not respond to the Chapter XXXX or XXXX claims, so it was the option that they did not want to follow-up with this.
XX/XX/XXXX, I was no longer physically able to live on the XXXX floor. I was in constant contact with XXXX Business Office discussing with them my situation. Due to this apt . being kept in excellent condition, I was able to give a 30-day notice with the understanding that this would be paid for my last month 's rent. I felt supported by them and assumed that this matter was closed. My Chapter XXXX Bankruptcy was discharged on XXXX/XXXX/XXXX. XXXX never reported this to me, and initially the collection amount was placed on all XXXX credit bureaus in XXXX. This was not reported since XX/XX/XXXX.Upon my vacating this apt . I left forwarding addresses, phone numbers and my email. I was n't placed in Collections for this @ the National Credit Systems till XX/XX/XXXX. I feel that I explained the situation to XXXX upon me leaving, and parted on good terms with a XXXX balance. I again ask that this account be removed from all XXXX credit bureaus.
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| 10/08/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXXXXXX XXXX They sent my information to National Credit Systems XXXX.
I turned my move out notice in in XXXXXXXX XXXX XXXX, with a move out date of end of XX/XX/XXXX They sent me a letter 60 days after I moved told me I owed them for XXXX XXXX-I did not live there in XXXX of XXXX.
Never had a walk through when moving out-This complex did not have ANYONE EMPLOYED AT THE TIME...
I emailed them at the end of XX/XX/XXXX, was promised a follow up by XX/XX/XXXX they never followed up, I have tried contacting them to get this out of collections.. I want to file a complaint against the collections and the complex Below is a copy of the email sent...
I received a notice at my new address of money owed. I owe you nothing.
I have attempted to come there multiple occasions to return the keys and no one is ever on the property. I have made multiple attempts to reach someone and resolve this matter when I moved out and do not agree with the notice that I received. I also called the civil court house for advice on how to settle with your apartment complex as there is not support on the property. That is bad when things are not fixed and you have to call civil court and they are aware of problems on this property. That is not good.
I do not owe XXXX XXXX any money. You all never fixed anything, the property is not well maintained or well kept and multiple tenants are complaining and you have the nerve to send me a notice states that I owe you.
I need to detailed list of WHAT damages as some things are normal wear and tear, I have been there since XXXX REALLY!!!!
I need you to locate my move in information and make sure you are NOT billing me for damages documented when I moved in.
I turned in my intent to vacant letter, closed on XX/XX/XXXX and moved out over that weekend-Show proof that I lived there in XX/XX/XXXX.
Document my multiple attempts to reach someone to turn the keys in-I work the same hours you all do and you dont follow up.
Carpet cleaning-that carpet has been in that XXXX XXXX XXXX did you replace it? Why are you charging for cleaning.
Lastly, I paid someone to come in and clean.. I closed on Friday and moved on Saturday the XX/XX/XXXX I was out of there XXXX XX/XX/XXXX ( I have receipts for moving to show proof but how would you know you are never on the property ). You cant just make up a date that I left. Please show proof.
Some things I agree with like the stove-I did not damage that apartment.
Please contact me as soon as possible to resolve this matter so that I will know how to proceed.
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| 08/09/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American, Servicemember |
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I have already filed a complaint but was unable to add to it so I went ahead and filed this report in order to add what I missed. Confirmation number for complaint filed is XXXX. I keep getting letters in the mail with the wrong amount on debt owed. XXXX XXXX XXXX has already contacted National Credit Systems with the request to remove my son 's name from the account and make the corrections to the amount owed. Here 's the correct amount something that I didn't include in the first complaint. Sorry I got the amount wrong.
Charged : Market rent for XX/XX/XXXX {$1100.00} Credit from XXXX XXXX XXXX Then a month-to-month fee XXXX Total rent due for XXXX {$1200.00} Renters Insurance waiver XXXX Utilities billed in XXXX XXXX usage for XXXX Total due {$1300.00} XX/XX/XXXX received payment of XXXX XX/XX/XXXX late fee charged XXXX XX/XX/XXXX received payment of {$86.00} {$1200.00} Balance due for XXXX XXXX file was sent to attorney on XX/XX/XXXX for non-renewal Market rent for XX/XX/XXXX {$1100.00} Month to Month Fee XXXX Renters Insurance waiver XXXX Utilities billed in XXXX {$120.00} usage for XXXX Total due for XXXX, XXXX {$1300.00} Keys turned in XX/XX/XXXX XXXX prorated rent and month to month fee credit for XXXX Total owed for XXXX {$690.00} Rent, Utilities and insurance waiver {$1900.00} ( open balance ) That was owed for the two months you stay without paying.
Prorated rent was done from when system moved you out on XX/XX/XXXX so we can credit back the 3 days off your balance.
{$680.00} credit given for XXXX {$700.00} should have been the credit for ( XX/XX/XXXX XXXX ) {$22.00} additional credit Balance {$1900.00} minus additional credit {$22.00} balance due {$1800.00} Attorney Fees charged since your file was sent to the attorney for evictions since we failed to receive keys. XX/XX/XXXX and the charge is {$240.00}. This is a set charge ; ( These fees were assessed once file is received at attorneys office for not moving out on the non-renewal ) Insufficient Notice fee Penalty charged {$680.00}. You are correct with the nonrenewal this fee should have never been charged, I will back out the charge.
Standard Charges : Damage and cleaning addendum : Pictures attached all charges for the unit cleaning fee, paint and carpet clean were charged at a minimum. The damages of Vertical blinds, Blind slats were charged at cost. Total {$390.00} Moving out and disposing of furniture left behind {$350.00} Total Charges {$740.00} Total charges for move out {$3500.00} Minus Insufficient notice fee XXXX Minus your deposit - XXXX Total Due {$2100.00}
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| 09/15/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/XXXX I contacted XXXX XXXX to provide them with 30 days written lease termination notice because I was being called to XXXX XXXX in excess of 90 days, as protected under the Uniformed Services Employment and Reemployment Rights Act ( USERRA ) as was outlined/suggested by my Unit. My lease was already going to expire on XX/XX/XXXX and I was establishing an effective termination date of XX/XX/XXXX.
On XX/XX/XXXX, a representative for XXXX XXXX contacted me and said they were 'unable to release you from your lease without penalties '. I promptly responded requesting an explanation of what about the paperwork I had provided was unacceptable and for a copy of my lease agreement. On XX/XX/XXXX, the representative finally responded again saying that they had reviewed with their legal team and that their understanding was that USERRA did not provide these protections for service members ( which is definitely untrue ). Additionally, I was never provided a copy of my lease agreement.
National Credit Systems , Inc. would later start pursuing me for {$4000.00} in XXXX of XXXX. This is outlined as a combination of my balance at move-out along with an insufficient notice and lease termination fee.
I notified National Credit Systems in the Fall of XXXX that this debt was invalid and requested additional evidence that they believed this debt to be mine. They sent me a partial copy of the lease agreement on and tried to substantiate that the debt was valid.
I sent them a letter in XX/XX/XXXX wherein I attached my original 30 day notice, all email communications between myself and the XXXX XXXX representative, and my military orders from XXXX. In my letter I also reinforced the specific code that applies in this situation is Section XXXX of the SCRA, 50 U.S.C. National Credit Systems then sent me a response on XX/XX/XXXX claiming that they felt this was insufficient evidence to validate my dispute.
Feeling that what I sent must have been overlooked, I resent the previous evidence with a new letter on XX/XX/XXXX, providing additional context around what was previously provided. National Credit Systems sent me a response on XX/XX/XXXX echoing that I still have not provided sufficient evidence to validate my dispute.
My issue at this point is that this debt is not valid but still appears on my credit report with the remark : 'Completed investigation of FCRA dispute-consumer disagreed '. This has been most recently updated as of XX/XX/XXXX. This collection should be closed, as it is clearly invalid, and promptly removed from my credit report.
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| 07/07/2023 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have disputed NATION CREDIT SYSTEMS Collections MULTIPLE times. XXXX, XXXX, XXXX continues to report it even though the collection agency has provided NO proof of verification. The collection was removed in 2020 yet XXXX XXXX XXXX allowed it to be added back with no verification and without notifying me 30 days prior as required thus giving me no time to dispute. The collection agency provided no 30 day letter prior to attempting to adding it giving me no time to dispute. XXXX has drawn this out and it is affecting my credit substantially. The collection company continues to repeat the same information and provides NO proof. I keep attaching these conversations from email showing this and NOTHING is done In Fact, and truth, Bureaus violated my rights even more so in accordance with the Fair Credit Reporting. Everything has to be 100 % accurate on my credit report. The Credit bureaus state my account was properly investigation but how is that possible if when I contacted the Debt collector agency, they could not provide me with Privacy disclosure : their ability to retrieve my private information and how it was transferred from original creditor. No documentation including or showing interest charges, payments, credit fees associated with the acclaimed amount owed was provided by credit collection agency. No full account number was provided by the collection agency to and Credit Bureaus because that information is redacted if full privacy disclosure is BREACHED. ) This grounds for removal. They also violated the law because according to : 15 USC 1681 Section 602 A. States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states consumer reporting agency can not furnish a account without my written instructions. 15 USC 1692. ( c ) ( a ). A debt collector may not communicate with a consumer in connection with the collection of any debt. 15 USC 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owes any debt. 15 USC 1692. ( B ) ( 5 ). Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt. of 15 USC 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. I did not give anyone written instructions.
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| 11/02/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Dear CFPB Complaints Department, I am writing to file a formal complaint against National Credit System for their relentless pursuit in attempting to collect a debt that is a direct consequence of identity theft. An individual, using my stolen identity, leased multiple apartments across the country simultaneously and failed to pay rent. Despite my efforts to provide National Credit System with evidence of this fraudulent activity, including a police report, FTC affidavit, proof of identity, proof of residency, and the multifaceted nature of the identity theft incident, they persist in their collection efforts. Their actions blatantly violate the Fair Credit Reporting Act ( FCRA ).
The debt collector, National Credit System, has continually disregarded the evidence provided, which unequivocally proves that the debt in question is a result of identity theft. Their actions not only defy the FCRA, which explicitly mandates fair and accurate reporting, but they also ignore the multifaceted nature of this identity theft incident, which has resulted in multiple fraudulent leases across various locations.
The following are the laws and regulations that National Credit System is violating under the FCRA : Failure to conduct a reasonable investigation into the disputed debt, as required under 611 ( a ) ( 1 ) ( A ) of the FCRA.
Neglecting to cease collection attempts and reporting to credit agencies on a disputed account, as mandated by 611 ( a ) ( 2 ) ( B ) of the FCRA.
Failing to comply with the FCRA 's requirement to verify the accuracy of the debt following a consumer 's dispute under 611 ( a ) ( 7 ).
As a result of their persistent and unlawful actions, I demand the following immediate actions be taken by National Credit System : Cease all collection attempts related to the fraudulent debt associated with multiple leased apartments resulting from identity theft.
Remove any and all mentions of this debt from my credit reports.
Provide written confirmation that they have ceased collection efforts and taken necessary steps to remove this fraudulent debt from my credit history within 30 days.
I am providing additional copies of the evidence supporting the multifaceted identity theft incident and the fraudulent nature of this debt. It is my expectation that the CFPB will promptly investigate this matter and take necessary actions to ensure that National Credit System adheres to the laws set forth by the FCRA.
Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue.
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| 07/24/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The reason for this email is in regards to a dispute that I have with XXXX XXXX XXXX XXXX in XXXX, XXXX. I moved in on XXXX XXXX of 2016 and occupied XXXX. I had the best signing experience I think any renter could possibly have and even though I do have a rather unsatisfatory pending issue, I can say that XXXX in the Leasing Office was beyond amazing. I believe in giving credit where it is due. I enjoyed 7 months in my apartment and had minimal issues while residing there. Unfortunately, my employer decided to relocate me to XXXX, XXXX and i have been here since. I submitted the requested paperwork to prove I was being relocated because my job was being moved ( eliminated if I stayed in XXXX ), and I was in correspondence with the property manager the entire time, making sure to update them on dates, issues, or even payment options for the month of XX/XX/XXXX. I moved out on XX/XX/XXXX, and turned in my key that day. I checked in with the property manager to see if there were any loose ends to be tied up before my drive to XXXX. She told me she would submit the required paperwork ( The letter from my Human Resources Department reflecting my relocation date and initiated job relocation ) to corporate and I was fine. She even told me not to pay for the month of XX/XX/XXXXonline ( like all my previous payments ) as she did not want me to overpay because I was moving out before the month began. Since then I had not heard from the property manager or XXXX. Nearly 8 months after my departure and closure with XXXX I get blindsided with a bill from a credit collection. I asked the rep what the bill was for and she stated a fee because I left without notice. I was completely blindsided and a little set back. I had requested all information regarding the order be sent to my forwarding address had given XXXX and have yet to receive said bill, however the collection account has shown on my credit report. Im completely dissatisfied with the way this whole matter has been dealt with. The property manager, assistant property manager and XXXX all had access to my email/phone number and forwarding address. Im not sure how or why no bill was sent to me before handing this matter to another 3rd party. I would like some type of answer or resolution to the matter as if I was given notice beforehand I would have made accommodations to reflect the balance. I even emailed the property manager the day before my departure and day after to ask if there were anything I needed to resolve before I left and both times I received not word.
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| 08/12/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Initial contact by National Credit Systems : XX/XX/2022 - voicemail || Call to XXXX initiated by me : XX/XX/2022 - not in office || Call initiated by me : XXXX claims to have a debt of {$8700.00} in my name, matching my birthdate. The creditor and location, a rental unit or apartment, is outside of my state of residence and the debt includes parties I am unrelated to and unaware of. Received basic details via a National Credit Systems internal ID theft form. Agent became aggressive and combative when I refused to provide personal information via the Internal ID Theft claim, call was terminated.
XX/XX/2022 || Email to XXXX : Subject line " Data packet request '' Written request for debt validation - No reply XX/XX/2022 || Contacted creditor : Voicemail XX/XX/2022 || Contacted creditor : Received identities of the parties on the delinquent account, an individual of the same first and last name as myself, with a matching birthdate, and his mother. None of the other details given by the creditor, such as middle name, title, SSN or even ethnicity of any parties, on the account match my identity. I was also able to find these individuals ' social media via a cursory search and verified their images with the creditor, who had access to photo identification.
XX/XX/2022 || Call to NCR initiated by me : Agent immediately raised her voice, becoming aggressive and insisting the only course of action was the internal ID theft claim. I insisted she once again verify the social security number on the account. After a few minutes on hold, the agent claimed that information ( the debtor 's full SSN ) was not included with the information given by the creditor, then terminated the call when I attempted to provide the information given by the creditor.
XX/XX/2022 || Sent cease contact and proof of debt letters to XXXX po box via certified mail.
XX/XX/2022 || Left a XXXX review on National Credit Systems of their conduct.
XX/XX/2022 Received a reply to contact them via their public email address.
XX/XX/2022 || Letters were received XX/XX/2022.
|| Did not receive Debt Validation or any other written communication from National Credit Systems . I received another call on XX/XX/2022. I sent a follow up email to National Credit Systems with regards to the lack of cooperation in resolving this issue, and their lack of compliance with FTC and FDCPA. Following that was a delinquent report on my credit via XXXX and XXXX as of XX/XX/2022, and the debt was listed as a cosigner.
|| Currently contesting the debt with XXXX.
|
| 04/05/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am a natural person, consumer writing this complaint and not a credit repair company.
Thank you for taking the time to review my complaint.
It has come to my attention that if any individual or company uses your no public personal information to create an account, thats identity theft.
I am writing today related to an account listed on my consumer report. While reviewing my report I noticed an entry made by National Credit Systems for the amount of {$2300.00}. I disputed the item attached on Monday XX/XX/2022. Following the dispute National Credit System deceptively attempted to settle this alleged account for {$1200.00}. I did not respond.
I have never initiated any transaction with anyone employed by National Credit Systems nor gave this company permissible purpose for any account to be furnished on my consumer report pursuant to 15 USC 1681b ( a ) ( 2 ).
The reporting of these account is/are violations of 15 USC 1681a and also constitutes identity theft. 15 USC 1681 ( a ) ( 2 ) ( B ) ] : ( 2 ) EXCLUSIONS.Except as provided in paragraph ( 3 ), the term consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device Send me every document pertaining to this entry used to validate this debt, including, a summary of rights, verifiable proof of contract, Complete account history, including any additional charges added, names, addresses, and phone numbers of everyone contacted during your reinvestigation. The FCRA says that these companies has to tell me this in 15 days if I ask. Also, what is the date of the commencement of delinquency? Dont provide the generic 7 years response. I am aware of that. Tell me specifically when this account allegedly became delinquent, and specifically when they will be removed. Some of these accounts are reporting as charged off as well as being included in bankruptcy. So which is it?
I refuse to pay this debt, pursuant to 15 USC 1692c ( c ). I wish to terminate all further debt collection efforts related to this entry with National Credit Systems, XXXX, XXXX, XXXX, through all mediums except by mail. I also wish that this alleged account be sent back to the creditor immediately.
In the absence of information mentioned above, I demand this entry be deleted immediately from all consumer reporting agencies.
This damaging entry has only added to my emotional distress and anxiety and decreased my credit score. I appreciate your prompt response to my concern.
|
| 05/07/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
|
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I have NO contract with this debt collection service the original debt was discharged and balance was paid by XXXX which I have had for 20 years. I am a XXXX XXXX XXXX and I have tried contacting the company and it's CEO XXXX XXXX via email and mail requesting the following : " 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.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL ; NOTICE TO PRINCIPAL IS NOTICE TO AGENT I hereby give you ten ( 10 ) days to reply to this notice from the above date with a notice sent using recorded post and signed under full commercial liability and penalties of perjury, assuring and promising me that all of the replies and details given to the above requests are true and without deception, fraud or mischief. Your failure to provide the aforementioned documentation within ten ( 10 ) days, from the above date of this notice, to validate the alleged debt, will constitute your agreement to the following terms : 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 agree to pay all fee schedules.
Please Note : I wish to deal with this matter in writing and I do not give your organisation permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under XXXX XXXX XXXX XXXX XXXX XXXX. '' They have yet to respond or remove negative remarks from my credit report
|
| 07/05/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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While I was a tenant at XXXX XXXX Apartments in XX/XX/XXXX, water came up through the drain of my kitchen sink and caused damage to the unit below me. I was not in my apartment when the incident took place and I had no knowledge of any plumbing issues that could cause water to come up through my drain. The XXXX XXXX feels as though I am liable for these damages. I disagree and have refused to pay despite multiple attempts to collect by XXXX XXXX. Ultimately I got my attorney involved and he reiterated that I would not be paying the alleged debt until a verdict was rending in favor of the XXXX XXXX proving that I owe the amount at issue. At that time XXXX XXXX indicated they were not intending to file a lawsuit. Instead they were going to going to continue to seek payment and ultimately jeopardize my credit. Earlier this year I was contacted by National Credit Systems , Inc. on behalf of the XXXX XXXX. Again, they were seeking to collect the alleged debt that had previously been dispute with the XXXX XXXX. I explained to the National Credit Systems representative that the amount had been disputed and I would not be paying. Last month, XX/XX/XXXX, National Credit Systems , Inc impacted my credit by reporting the alleged debt to the credit bureaus. Shortly thereafter I received a letter threatening me with a lawsuit and explaining my ability to get credit, favorable interest rates, or a home are now in jeopardy because they have reported the alleged debt to the bureaus. On or about XX/XX/XXXX, I reached out to National Credit Systems , Inc to inquiry how the alleged debt had been validated and what gave them the right to impact my impeccable credit score. I was told the XXXX XXXX had provide a copy of my rental agreement and an invoice for the repair costs and that was all they needed, as I had failed to provide any documentation to the contrary. I explained that I did not need to provide any additional documentation as my stance is supported by the rental agreement that was provided by XXXX XXXX. I asked where in the rental agreement it stated I was liable for unknown maintenance issues, which I was told my rental agreement states the tenant is liable for all water damages. I can assure you that the rental agreement does hold the tenant liable for all water damages. Rather, section XII ( F ) of the agreement indicates that the tenant as the duty to promptly notify the Landlord of the need for repairs. Since I had no knowledge of the maintenance issue, I had not duty to notify them. Nor could I have.
|
| 04/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft and violating my consumer rights. On several occasions, they have manipulated the debt amount to make it seem like there has been activity on the account and that I have paid, when I have not. They also have reported past due balances to the credit reporting agencies and per FCRA on furnisher rules, it is against the law. I have included screenshots of all these egregious actions. I also have never given NATIONAL CREDIT SYSTEMS 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 aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I haven't even received any documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS cant provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to XXXX ( 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 SYSTEMS can provide me with sufficient documentary evidence, like a trilateral contract, and receipts of when I paid money on the alleged debt that would make the price increase and decrease ; and that I have any legal obligation to pay them. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS 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 UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Hi NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 06/17/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I XXXX am stressed out about this Company call National Credit Systems. They are on my Consumer Reports holding me back financially by staying on it, attempting to collect a debit on behalf of a Creditor. They also even state they are collecting for another Creditor which is illegal. This practice makes National Credit a 3rd party Collector. I have no contract with National Credit nor ever gave them any permission to report anything on my Consumer Report. They are required by law to notify me 1st before they want to post on my Consumer Report.
15 U.S. Code 1692 ( c ) ( 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 Systems have been contacted by me several times and each time they have stood by their efforts to insist that i owe them a debt.
I have sent them an Affidavit Of Truth which stands as truth in a court of law. They sent my mail back to me but yet i sent the mail to the address listed on my Consumer Report they had as their listed address. I had to find another address for them online. They clearly are playing games trying to avoid truth. They have not sent back a rebuttal by Affidavit. My word stands as Truth in a court of law.
15 U.S. Code 1692a ( 4 ) The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed, but such term does not include any person to the extent that he receives an assignment or transfer of a debt in default solely for the purpose of facilitating collection of such debt for another.
The debt is reported in positve amount not in a negative amount as owed debt. Also the amount of debt reported has been different amounts. Amounts from {$3500.00} to {$3700.00}. They even sent me a copied contratct where a column for credits listed a security deposit of {$250.00} was added to a credit of {$3400.00}. Then that total what listed in the charges column in positive for of {$3700.00} It makes no sense. This is not fair to me and this is inaccurate and illegal. I have attatched documents with close ups of the copied contracts and my Consumer report where they clearly show they are not Creditors in fact, i point out the XXXX XXXX who listed on the contract. XXXX XXXX XXXX XXXX. If is not even the name that National Credits Systems listed as the Creditor XXXX XXXX.
|
| 03/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
|
|
On XX/XX/XXXX I co-signed a lease agreement for XXXX XXXX ( my son ) and XXXX XXXX XXXX friend of son ) for an apartment at XXXX on XXXX managed by XXXX XXXX XXXX. The rental lease agreement ran from XX/XX/XXXX through XX/XX/XXXX.
On or about XX/XX/XXXX the move out paperwork was signed, keys were returned and all parties vacated the property. I have not received any form of communication from XXXX on XXXX or XXXX Communities XXXX since.
On the evening of XX/XX/XXXX I checked my credit report on WellsFargo.com and discovered that XXXX on XXXX had reported a debt to National Credit System and that National Credit System had reported a collection to the credit reporting listing XXXX on XXXX as the original creditor.
The next morning XX/XX/XXXX I went to XXXX on XXXX to inquire about the collection and I was told that I owe {$150.00} for carpets replaced in XX/XX/XXXX. I provided the onsite property manager XXXX XXXX with a cashiers check for {$150.00} later that day. She gave me a receipt and admitted that she did not attempt to notify me of this debt because she did not have a forwarding address. I was a co-signer. I did not ever reside at the property. However, I provided XXXX on XXXX my home address, cell phone and email in my co-signer lease application. XXXX verified that the cashiers check was cashed on XX/XX/XXXX.
I disputed the collection with XXXX, XXXX and XXXX. XXXX deleted the collection from my credit history. XXXX and XXXX verified that National Credit System reported the collection and closed the dispute without taking any action.
On XX/XX/XXXX at XXXX I spoke with XXXX XXXX at National Credit System . I explained that I had not been contacted by either XXXX on XXXX, First Communities or National Credit System about the debt. XXXX XXXX stated that National Credit System sends notifications by mail but they were not able to obtain my home address from XXXX on XXXX. National Credit System notified the credit reporting companies without attempting to contact me, or providing me with a validation notice.
I informed her that the debt was paid to the original creditor on XX/XX/XXXX and the check was cashed on XX/XX/XXXX. She stated that she would verify that the debt has been paid, and once confirmed, she would notify the credit reporting companies that the debt has been paid. I asked that she also request that the credit reporting companies delete the collection from my credit history because I was not notified of this debt. She said she was not able to do that.
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
HI : NATIONAL CREDIT SYSTEMS / XXXX XXXX # XXXX {$2700.00} ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 10/27/2017 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
National Credit Systems Inc has reported a collection account against my social security number and I never authorized the use of my personal information to this company nor have I ever received any services from this company. This business holds no legally binding contract with me that obligates me to pay for any sort of alleged debt. I disputed the accuracy of this account and they keep sending it back as verified. National credit systems has YET to send me any type of adequate proof that shows me agreeing to pay them. I filed a complaint with the Better Business Bureau and National credit systems responded that they were acting on behalf of another creditor, but 73 American Jurisprudence ( AmJur ) 2nd, Sect. 93 states " The right of subrogation does not exist for a stranger to the transaction. '' It 's illegal to act as a substitute to a contract that they were never apart of. National credit systems is in violation of the law, the FCRA, and the FDCPA. FDCPA Section 805 ( b ) says : COMMUNICATION WITH THIRD PARTIES. -- Except as provided in Section 804, without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a postjudgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than the consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector.
This inaccurate information was reported to the three major reporting bureaus without my consent.
FCRA Section. 604 says : 604. Permissible purposes of consumer report a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 3 ) To a person which it has reason to believe ( F ) [ otherwise ] has a legitimate business need for the information ( i ) in connection with a business transaction that is initiated by the consumer ; or ( ii ) to review an account to determine whether the consumer continues to meet the terms of the account.
National credit systems has not been in any connection or listed on any contract signed by me and they refuse to properly validate this inaccurate information. Until a contract ( original contract ) is produced with my signature between national credit systems inc and myself, this information must be deleted.
|
| 04/19/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
This debt originated out of a tenancy with a XXXX property management company. My husband and I vacated the property due to a habitability issue. We complained in writing ( XX/XX/XXXX, XX/XX/XXXX ), gave notice to vacate in writing ( XX/XX/XXXX ), left a forwarding address ( XX/XX/XXXX ), requested our security deposit back ( XX/XX/XXXX ), everything in writing and made copies of all of this for our records. They never gave us a breakdown of what we owed or notified us that they would send it to collections.
In XX/XX/XXXX we received demand letters from National Credit Systems ( NCS ) of a debt from our former landlord, with no breakdown or explanation of the debt, only an amount total, and language stating NCS reported the debt to all 3 credit bureaus. The letter also threatened garnishment, liens, and or seizure and auction of personal property. We responded in writing that we denied owing the debt ( XX/XX/XXXX ). We contacted our former landlords in writing at the same time, and again received no response. NCS eventually sent us a breakdown of the fees but would not talk to us about disputing the debt at all. We received demands from an attorney in Georgia, XXXX XXXX XXXX, and also responded to them denying the debt in writing. We then contacted XXXX to begin disputing the reporting of a debt.
This year ( XX/XX/XXXX ), my husband called NCS ( phone call on XX/XX/XXXX to the number XXXX extension XXXX ) to dispute the debt and a XXXX XXXX told him that he was NCS 's lawyer and tried to pressure him into paying the entire amount. He asked questions such as, " Did you even leave a forwarding address? '' and " Did you ever ask for your security deposit back? '' When Mr. XXXX began reading through the documents we sent them he could see that we did request our security deposit back and did leave a forwarding address. I mention this because it was clear he had not read the documents we sent NCS. After answering his own questions, he announced " this is going nowhere '' and hung up on my husband. I looked his name up on the Georgia State Bar website and got back no information. We do not trust that this person is a lawyer, especially when a different lawyer contacted us regarding the debt, and we are not comfortable talking to someone like that in negotiation or discussion of any alleged debt when he uses harassing tactics. We are not sure if we should proceed by calling NCS again or the attorney, nor are we sure that by talking to either of them we will get anywhere.
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
HI NATIONAL CREDIT SYSTEMS ; XXXX XXXX XXXX XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
|
| 04/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
Dear Sir/Madam : The below collection agency has been calling me about a debt that I am disputing from an apartment that I moved out of at the end of my lease ( XX/XX/2014 ). The apartment is in New York XXXX XXXX XXXX XXXX XXXX XXXX.
I left my apartment on legal terms as I was supposed to at end of lease and left my new mailing address. I never received any mail or contact from XXXX XXXX at my new address advising that I had a debt to pay for apartment damages. I only received notification directly from this debt collector almost five months later ( enclosed ). The only evidence they sent me is an inspector 's checklist stating the damages, with no pictures. What rooms are the damages in? Even if they had shown pictures, this complex has XXXX residential buildings with XXXX apartments. It would be very easy for them to take pictures of any apartment. I know that I did not make these damages and I want to see pictures prior to me moving in as proof of damages. Also, as I explained to them, New York landlords can not charge for normal wear and tear, and these building are pre-war buildings from the 1950 's. My unit 's floors were original floors. XXXX also renovates EVERY apartment after a move-out so they increase the rent for the next renter. So it is my understanding that any " fix-ups '' needed would have already been done during a renovation.
It is also my understanding that XXXX is very negligent to their renters. After receiving these charges from the debt collector, I received a 'Thank You ' card ( enclosed ) at my new address thanking me for renewing with XXXX. That shows me that they do not care for their residents to pay attention to the details and they did actually have my new address. They could have sent me these charges themselves so I could handle it directly with XXXX versus sending the charges directly to a debt collector. In fact, if anyone were to look at XXXX XXXX XXXX XXXX on XXXX, they would see how much debt they are trying to recover. This is just another reason why I think they are just trying to pinch every penny they can out of their residents.
The collection representative, XXXX XXXX, has called me multiple times now and continues to harass me and speak over me making it a very frustrating call. He will not give me details on how I can dispute or when they would send my debt to the Credit Bureau. He only says it could be at the end of the month but he does n't know.
Debt Collector contact : National Credit Systems , Inc .
XXXX
|
| 06/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has sent my information to a collection agency called National Credit Systems , Inc . Since XX/XX/XXXX I have been receiving calls and letters from NCS requesting payment for something I never agreed to pay. I signed a lease with XXXX XX/XX/XXXX that ended on XX/XX/XXXX.
As stated in the lease, the contract only automatically renewed on a month-to-month basis if neither if either party failed to give 60 days notice. I gave my 60-day notice on XX/XX/XXXX ( move out date of XX/XX/XXXX ) and did not enter another agreement with XXXX XXXX. There was no new lease signed, I did not agree to any of the charges they tried to bill me for.
When I received my first letter from NCS I informed them, through certified mail on XX/XX/XXXX, that I had no knowledge of the charges. I asked if they could validate them and provide a detailed explanation. I have receipts from that letter that my letter was received on XX/XX/XXXX. National Credit Systems ignored my requests and continued to ask for a payment in a letter dated XX/XX/XXXX.
On XX/XX/XXXX I sent NCS another letter explaining to them that I think my right had been violated by failing to validate a debt at my request and continuing to attempt to collect a disputed debt, both FDCPA violations. I asked them, again, to validate this debt. I specifically asked for them to provide me with the following : 1. Proof of right to own/collect this alleged debt 2. Balance claimed including all fees, interest and penalties 3. Contract bearing my personal signature 3. License proof to collect debts in my state To date they have yet to comply with my requests for validation. The lease they insist on providing me with expired with no new agreement on XX/XX/XXXX. XX/XX/XXXX, I fulfilled my final payment to XXXX XXXX and had a XXXX balance. XX/XX/XXXX, I received extra fees and charges ( I also disputed and was told by NCS I should've done a walk through - XXXX was NOT doing walk throughs at the time due to covid ) I never agreed to and along with threats to my credit report.
I am distressed that National Credit Systems has now included this information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the information they report. At this point I feel this company and any claims for amounts owed is untrue and not properly investigated. Im very bothered by the months of total disregard of my rights by National Credit Systems and XXXX XXXX.
|
| 08/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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HI AND HOW ARE YOU? You continue to report incomplete and unverifiable negative items on my credit - how is that even possible? I was shocked when I reviewed my credit report and I still found multiple inaccuracies on my credit report from the 3 major credit bureaus. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information.
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/24/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had received a letter in the mail from a collection agency ( National Credit Systems , Inc ) stating that I have a balance of {$990.00} from an apartment complex we were once residents at. The complex is called The XXXX XXXX ( XXXX XXXX XXXX ). The letter stated that we owed money due to property damage. I called the collection agency outraged trying to find out why we were billed for such a large amount. And why werent we notified about the balance before or around the time of our move out. National Credit Systems told me that they didnt have the answers to that, but that they were the XXXX to collect the money. I tried to dispute it with them, but I was just given the run around.
Now the reason that Im making such a big deal about this situation is because around XX/XX/XXXX, around XXXX, I had casually bumped into one of the front office employees of The XXXX XXXX ( At the XXXX that I work at. It was around the time I was getting off ). Who informed me that after we had moved out, XX/XX/2016, a family of possums had moved in the vacant apartment and in the employees words Tore up everything, they tore up the carpets, the floors, and even the walls. The employee also went on to tell me that they were having a hard time renting out the apartment because of the rodent problem. Saying that the carpet needed to be replaced and other things in the apartment due to the damage the possums caused. The collections agency asked for the walk through paper. But I didnt have the final walk through because on the day we moved out the property XXXX XXXX XXXX XXXX was not in. The XXXX XXXX told us that because she wasnt in they would call us to go back for the final walk through. But we never received an email or a call. In addition to the miss call for the walk through, we never received a call after we moved out informing us that there was property damage. I never received a call or an email about a {$990.00} dollar fee that needed to be paid. All we got was a letter 3 months later, from a collections agency stating that I owed a balance for an outrageous balance.
I feel that we have been treated unfairly in the situation. Please help us any way possible, it would be greatly appreciated.
We eventually came to a agreement and I paid a payoff amount national Credit System were willing to accept but it is still showing up negligent on my credit and they letter XXXX XXXX sent me has a false amount, making it seem as though we didn't make a payoff payment.
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| 12/08/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XX/XX/XXXX, I leased a rental unit from XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. They imposed a MANDATORY rental ( insurance ) bond that had to be paid by me ( tenant ) in addition to a full {$1200.00} security deposit ( one month 's rent ). The rental bond was purchased through XXXX for {$350.00} and it's purpose ( as told to tenants ) is to protect us and so XXXX XXXX can be reimbursed through the bond in the event that I did not fulfill my lease or damaged property. I was told if a claim is filed and paid XXXX would seek reimbursement from me prior to forwarding to a collection agency. My lease ran from XX/XX/XXXX - XX/XX/XXXX. I moved out XX/XX/XXXX XXXX XXXX XXXX after providing a 30 day notice. Due to XXXX - family members lost housing and landed on my doorstep. Management confirmed it would be a violation of my lease for them to stay at my apartment so I had no choice but to lease a bigger rental space.
I moved on a weekend. There was only an assistant in the office who stated I would receive my ending balance or refund due in the mail. I was expecting a refund since the apartment was left in mint condition ( I have video ) and I would only owe pro-rated rent for my XXXX days in XXXX. In XX/XX/XXXX, I discovered a collection for {$3400.00} on my credit report. My complaint today is for the following reasons : 1. Property failed to contact me or mail/send a Notice of outstanding balance due. They were provided with my forwarding address.
2. The required claim was never submitted to XXXX to recover outstanding balance. The property was legally obligated to file a claim for any balances owed otherwise why mandate tenants buy the bond.
3. The outstanding balance was sent to a collection agency/reported to all credit bureaus without allowing me the opportunity to be made aware of, pay or dispute the alleged balance.
4. XXXX XXXX charged an unfair and excessive " Late Notice Fee '' of {$2400.00} as a fraudulent attempt to keep security deposit ( lease requires 60 day notice ). Pro-rated rent and utility totaled approx. {$1000.00}. XXXX did not apply any of the {$1200.00} deposit paid towards the balance. My unit was immediately rented after my move-out so the late notice fee charged is not justifiable.
5. XXXX XXXX mandate tenants purchase these rental bonds for their protection in case of lease breach or default but do not file claims because it results in a kickbacks/profits for the property if minimum claims are filed.
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| 05/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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XX/XX/2021 National Credit Systems on behalf of my former landlord, XXXX XXXX, XXXX, placed collection on my credit report for {$21000.00}.
NCS acct XXXX Prior to this I submitted a dispute to NCS for the amount charged and being collected with explanation. NCS stated the information was insufficient to validate, dispute or revise their records. The dispute included Federal, XXXX and local statutes, executive orders which were in place that prohibited any eviction. My response also stated that we vacated the property, at the XXXXXXXX XXXX XXXX XXXX XXXX listed a named individual and referencing email ) on XX/XX/2021 and that the charges listed by the landlord were billed through XX/XX/2021. This also is evidenced on the eviction order.
A dispute and response was filed with the district court within 1 day of notice and stamped by the clerk. No hearing was held, no state, local or federal statute was followed whereby a hearing should take place under my rights, nor has the landlord, its lawyers, or NCS provided me with the required tennet information in writing, outlining the protections that were and remain in place for tennents on the same day the eviction was filed. This is a XXXX law.
Te landlord charges list late fees which are also banned under the Federal, Executive Order by Florida XXXX and CDC moratorium which are invalid.
A XXXX hardship form had been supplied to the landlord months in advance of eviction filing and is on record.
Gate passes were charged as not being returned when maintenance staff were told where they were in the unit in the main entry table.
The XXXX and Eviction Moratorium also states that misleading statements about this order used to collect a debt or rent is a breach of Federal law.
No charges should have accrued past XX/XX/2021 yet they are listed and charged through XX/XX/2021.
No itemized water, sewer or cable charges have been supplied to me. Any rate could be listed and the calculations remain unseen to validate them.
The landlord stated that they never intended for eviction to occur as they were seeking funds from XXXX XXXX Cares which were approved and due to be disbursed on XX/XX/2021, per XXXX XXXXXXXX XXXX. This is evidenced in emails from XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX who had to withdraw the funding as it had already been allocated and was being sent to XXXX. XXXX has not shown any evidence that they did or did not receive funds from XXXX XXXX XXXX or their correspondence to such.
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| 02/25/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, National credit system sent me a validation notice letter regarding a debt owed to their clients the XXXX XXXX XXXX One for {$600.00} account number XXXX and the second for {$7500.00} account number XXXX. The letter stared that I have until XX/XX/XXXX, to dispute all or part of the debt. Please see PDF exhibit 1 and 2.
On XXXX I responded by certify mail requesting for a validation letter. Exhibit 1 and 2. According with the tracking number attached they received the letter on XX/XX/XXXX.
On XX/XX/XXXX, I received another letter from national credit system stating that they want to resolve this issue if I pay 50 % of the debt. I responded asking for a validation letter. Please see exhibit 3 and 4. They should receive the letter according with the tracking by XX/XX/XXXX.
On XXXX XXXX I got an alert in my credit report that national credit system has reported the accounts as derogatory to the three major bureaus ( XXXX, XXXX, XXXX ). The same day I called XXXX, XXXX, XXXX to begin a dispute.
The same day I contacted the national credit system to request to remove the mark until the debt has been validated. They said that they have been trying to contact me since XX/XX/XXXX. I never received any letters, phone or electronic message before from the national credit system or their client ( XXXX ) regarding this debt. They were very rude and unprofessional. I was constantly interrupted by the agent, making it impossible to communicate. He took my e-mail address and stared that they will e-mail me a validation letter in 24 hrs. Until this day i have not received any correspondence from them.
On XXXX my husband received a letter from them regarding the debt. They stated in the letter that they will soon report this account to the credit bureau if he did not respond asap. Please see Exhibit 5.
I want to mention that my husband ( XXXX XXXX ) was never contacted before regarding his debt, never did he receive a validation note, a phone call or an electronic notice. We requested a validation letter. Please see exhibit 5.
We did not know about those charges ; we were never contacted by the XXXX XXXX regarding this debt before it went to collection. rented for them for 3 years and we always paid on time.
I want to mention that we were approved for a mortgage loan, and we will be closing at the end of XXXX. I am afraid we won't be able to close due to their allegations. Please let us know if you can help us.
Thank you so much.
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| 02/06/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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This is a complaint from my wife and I against National Credit Systems for their failure to provide requested information for alleged debt. National Credit Systems ( NCS ) has been reporting two open accounts against me ( {$3100.00} acct # XXXX & {$500.00} acct # XXXX ) and one for my wife ( {$3100.00} acct # XXXX ) that we do not recognize. NCS sent written notification of debt recovery based on initial 30 day validation on XX/XX/XXXX. On XX/XX/XXXX I responded ( based on legal advise ) with a written request for documentation, including the following : 1. debt amount clarification ( including fees and interest added ) ; 2. Name of creditor owed and notice of assignment or receipt of sale to 3rd party collection ; 3. Verification or copy of any judgment ; 4. Proof that you are licensed to collect this debt in Texas ; 5. Proof of last payment made on the account and any other documentation which tend to show validity. 6. If they do not own the debt I demand they send the request to the original creditor so they are aware. On XX/XX/XXXX I was contacted at my place of employment by NCS 's rep. and I informed them that no calls are acceptable please respond to me in writing. NCS called me at home and I asked for all calls to stop but NCS reps. continued to call my place of employment 2 other times in XX/XX/XXXX following my validation request. I again expressed that they should contact me in writing. On XX/XX/XXXX I reviewed my Credit report and noticed NCS had reported inaccurate information on both of our credit reports before validation. I received mail on XX/XX/XXXX from a old address, of NCS partial response to my XX/XX/XXXX validation request. NCS responded providing partial documents from original creditor and no verification that they own the debt or that it was transferred to them. No verification of break down of debt amount balance or accounting of payments. No proof of NCS license to collect debts in Texas. NCS 's failure to respond to a consumer 's good faith request for documentation makes it impossible for me to make an informed decision regarding alleged debt. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts. Also, to have already reported alleged debt to any credit reporting agency or credit bureau, prior to validating the debt violates Fair Credit Reporting Act ( as stated in my XX/XX/XXXX validation request.
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| 01/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Credit monitoring or identity theft protection services
- Billing dispute for services
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Web |
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I am disputing the move out fees and the damage the XXXX XXXX ( XXXX XXXX XXXX XXXX ) did to my person and my credit report through the collections agency National Credit Systems and The XXXX XXXX XXXX XXXX XXXX. I started a sublease at University XXXX, XXXXXXXX XXXX in XX/XX/XXXX to XX/XX/XXXX. I decided due to convenience to renew and lease again with University XXXX on XX/XX/XXXX through XX/XX/XXXX. In this period they did renovations and changed old furnitures for new ones. They changed the carpet for two of the rooms in the apartment XXXX but not my room since they said I was in a sublease. They sent me a move out statement and each and every item I was not responsible for ( including carpet replacement, ironic? ). I left the apartment in better conditions that what I received it and I have dozens of pictures from the move in and move out. I can provide proof. I sent multiple emails to the then resident manager XXXX XXXX and XXXX XXXX with no response and resolution ( they just straight ignored me ). I went to the office several times and was never able to speak to them. They did not consider the move-in condition form I submitted and charged me all cleaning, painting, carpet, mattress replacement ( the mattress was in the room ). I left my room in good conditions except for normal wear and tear. Btw, the apartment was infested with roaches when I moved in.
Recently, I needed the account XXXX to be removed from my credit report. I tried contacting again XXXX XXXX XXXX but the managers were not able to speak to me since they were in a meeting. I had to resolve the matter with XXXX XXXX. Provided are the emails and pictures as proof.
You have a pdf with all my proof. Okay, I have provided all the proof requested from you. Now I request proof that I owe this. Because you pretend to charge me for this. Please provide all the pictures ( not my pictures ) of the move-out that you are attributing me this charge. Please provide me the inspection that was completed at my move-out since I never saw that report. There is an inspection done per the statement you provided in XXXX XXXX, XXXX ( two years after I moved out ).
I have a clean credit and you pretend to mess this up. This is not how you do it.
I request reimbursement or refund for the {$720.00} I had to pay due to every management ignoring my requests, apologies from the company and complete deletion of the account from the three credit reporting agencies and from my credit report.
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| 07/09/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, NV XXXX XX/XX/2020 National Credit Systems , Inc .
XXXX : XXXX XXXX, Collection Representative XXXX XXXX XXXX XXXX, GA XXXX XXXX : Account Number XXXX Dear XXXX XXXX, This is my second letter to National Credit Systems , Inc. concerning an obligation to XXXX XXXX XXXX. My previous letter was dated XX/XX/2020, and was sent to National Credit Systems , Inc. via United States Postal Service ( USPS ) certified mail with a return receipt requested. As of Thursday, XX/XX/2020, I have not received that return receipt.
In my letter, dated XX/XX/2020, I expressed that the first written correspondence I have received concerning this obligation was the letter from National Credit Systems , Inc. dated XX/XX/2020. I specifically requested that National Credit Systems , Inc. provide verification that this obligation was factual by providing me with the following information, in accordance with the Fair Debt Collection Practices Act ( FDCA ) ( Section 1692g ) : Proof of my agreement to pay the original creditor ; A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and basis for each charge.
I also specifically stated that the debt should not be reported to the credit reporting agencies because I am disputing the obligation.
Since I have not received neither the requested information nor any other written documentation from National Credit Systems Inc., I was dismayed to learn that this obligation has been reported to the credit reporting agencies since I am disputing the validity of it. Consequently, I am filing a complaint with the Consumer Financial Protection Bureau, the Federal Trade Commission, the state of Georgia Office of the Attorney General, the state of Georgia Department of Law Consumer Protection Division, the XXXX XXXX XXXX, and will be disputing the obligation with all three credit reporting agencies.
I will reiterate that National Credit Systems , Inc. should contact me regarding this matter until the requested information is provided and the obligation verified.
Thank you and be well.
Sincerely, XXXX XXXX Cc : Consumer Financial Protection Bureau Federal Trade Commission State of Georgia Office of the Attorney General, Consumer Protection Division State of Georgia Department of Law, Consumer Protection Division XXXX XXXX XXXX XXXX XXXX XXXX
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| 10/31/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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National Credit Systems reported a false account of {$360.00} from XXXX XXXX XXXX in which neither never notified me in writing or verbally of. I have contacted XXXX XXXX XXXX XXXX XXXX numerous times & was never made aware of {$360.00}. XXXX submitted the {$360.00} in retaliation for an issue in which they were liable for a broken water heater in cased completely in a wall that damaged a lot of my clothing, shoes, and other items. Mold resulted in the walls & vents. I never paid late or owed XXXX XXXX XXXX Anything.
XX/XX/2020 XXXX pm I was on an 18 minute call w/XXXX to dispute this account and the rep stated it would take 30 days to investigate. XX/XX/2020 XXXX am I received an email from XXXX stating the dispute was completed. I called XXXX and was told the collection verified but no legitimate proof was ever provided by National Credit Systems or XXXX to verify their false claim. XXXX is unjustly closing out disputes on behalf of the collection agency without proof or properly investigating. Im unable to dispute online with XXXX and wasnt provided a reason why when I called. I called XX/XX/2020 XXXX XXXX on 22 minute call to report the dispute was never properly investigated and closed in less than 12 hours violating my rights as a consumer. I have made multiple calls to XXXX with no justified resolution.
XX/XX/2020 XXXX XXXX I was on a 21 minute call with XXXX to dispute National Credit Systems and was informed it would take 30 days to investigate. I asked for a confirmation # but the rep didnt have one for me and I was told I could upload documents to XXXX online although the system doesnt allow me to dispute online. On XX/XX/2020 XXXX XXXX I received an email stating this dispute was resolved however no legitimate proof or any documentation was provided from the collection agency or XXXX. XXXX failed to properly investigate this dispute or request any factual documentation from the collection agency to verify. These credit bureaus are violating consumer rights by not properly investigating disputes or requiring collections agencies to provide documentation before affecting the consumers credit negatively. The credit bureaus are only verifying the word of these predatory collection agencies. I have made multiple calls to XXXX with no justified resolution.
The same occurred with XXXX when I previously submitted a dispute for this same collection agency. No documentation of verification was ever provided.
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| 04/30/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I lived at XXXX XXXX XXXX and was never late on my rent. I am a nurse and at the time was a XXXX instructor for a private school. XXXX XXXX ( which was declared a national disaster ) hit and XXXX was asked to evacuate, which I did. The school I worked for at the time got destroyed by the hurricane and I called XXXX ( the apartment manager ) and explained I did not have a job to come back to. I also asked her to go check my apartment and see if there was damage from the storm. This was a very old hotel that they turned into apartments. She stated there was water damage that resulted from coming in the windows but stated " it was not that bad ''. We discussed my problem and what I should do. Mind you I only had 1-2 months left in my lease. I would never just leave a lease. She stated she had found a women that wanted to take over my lease and reassured me not to worry. I searched for an apartment in XXXX and they sent a form to XXXX to complete to verify I owed nothing. She sent the letter and I moved into my new place. The manager is a very unprofessional person and lied to me and the women moving in. The women changed her mind at the last minute and XXXX was stuck so she has now come up with a bill AFTER she signed and sent a form stating I owed nothing. She is wrong and I would like this removed from my credit ASAP. I have sent pictures of the molded apt and the letter of a XXXX balance multiple times to the credit bureau XXXX and they will not remove it or help me in anyway. Please help d/t this is now affecting me to rent anywhere. This is crazy and makes no sense. I have a letter signed stating I owe nothing. How can she be allowed to do this to me? I have enclosed a release of rental agreement the XXXX apartment in XXXX made me get from XXXX XXXX XXXX stating that I was a good tenet and I did not owe any money to XXXX XXXX XXXX apartments which as you can see was clearly dated after I moved out. I would not have been able to rent another apartment without XXXX sending this. Please notice the move out date of XX/XX/17 and notice the date that XXXX signed and completed this document XX/XX/17 from XXXX stating that I owed no fees whatsoever for any kind or of any violations. She is now coming back saying I owe. Did she falsify a rental agreement or a bill? I sent her an email asking for this after I moved out which is dated XX/XX/17 to my new apartment complex. Please review this and help me finally resolve this.
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| 07/19/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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We were leasing an apartment at XXXX XXXX XXXX. Upon move out we received our final statement via email and noticed a charge of {$300.00} for cable boxes they accused us of removing after we moved out. I responded to the email and explained our apartment never had cable boxes and we would not pay the {$300.00} for for them. This was all communicated through email. This was in XXXX. I never received any response from them after disputing this charge. I was waiting to hear back from them or receive any official bill in the mail ( I provided them with my new address, email and they had my phone number ). Fast forward to XXXX XXXX when I received a letter from National Credit Systems ( a collection agency ) saying I " have failed to make suitable arrangement concerning the referenced obligation of {$800.00}. '' I immediately called National Credit Systems and explained I had never even received a final bill from XXXX and we had never finished our conversation regarding the disputed amount of {$300.00}. I told National Credit Systems this was not a valid debt. We disputed all charges from you and we told them to send the debt back to XXXX. They sent a settlement amount back to XXXX for {$500.00}, which XXXX agreed to, and NCS still posted the debt to the credit bureaus. I will pay the {$500.00} and I would have paid this amount to XXXX immediatly if they would have continued to work with me. Now I have a negative collection account on my credit and the National Credit System will not send this account back to XXXX and delete this accusation on the credit report. I want to pay XXXX for the corrected amount, but XXXX will not take my payment and says I have to pay National Credit Systems. I do n't want to pay them because that makes it look like it was a valid debt. Again I reached out to the apartments trying to work out my closing bill. I never got any response from them or any final bill after discussion about the invalid {$300.00} charge. Instead I received a letter 5 months later from a collection agency saying they had posted the unpaid debt to my credit. I have checked to verify and it is currently on my credit report. I am in the process of buying a home and this mess could prevent me from financing for a new home. Please help!! I feel like both companies have been unprofessional and unreasonable. XXXX validated their charges were inaccurate by immediately correcting the amount down to {$500.00} once disputed.
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| 03/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have submitted police reports and fraud affidavit to National Credit Systems on XXXX XXXX, XXXX the first time and 3 more times since then ; last time on XXXX XXXX, XXXX. I have called their office on numerous occasions inquiring about follow up on the fraudulent account opened in my name. I received various information from different employees of National Credit Systems depending on who was available to answer my call. I was told that my correspondence was forwarded to their client several times and they have not received any communication back, I was told to call back on XXXX XXXX, XXXX to get resolution to this account. When I called today, I was transferred to XXXX XXXX. He informed me that this was the first time he has seen my account, he can see my account noted that there was correspondence received from me ; however, it was not reviewed because the company handles thousands of accounts and can not give individual attention to each account. XXXX also told me that since National Credit Systems have not heard from me via telephone ( which is a blatant lie ), they have not proceeded with any inquiries into my correspondence or the fraudulent account in my name. XXXX could not provide me with any documentation proving validity of this debt except my social security number obtained from my stolen social security card, my date of birth obtained from my stolen driver 's license, and an address which I am assuming is XXXX of the fraudulent addresses reported on my credit report. Upon my further inquiry, he told me I was rude and hung up on me. If my correspondence had been forwarded to their client and the client could actually prove validity of the debt, I am sure I would have received some sort of communication back. National Credit Systems and their representative, XXXX XXXX, are violating my consumer rights by mishandling my credit dispute and false credit reporting.
I have contacted XXXX who deleted this account from my report for National Credit Systems not being able to verify this account. XXXX is the only CRA still reporting this account and appropriate complaint has been filed for XXXX. My messages to National Credit Systems legal department XXXX XXXX XXXX XXXX have gone unanswered. In 2 1/2 months XXXX National Credit Systems had more than ample time and notice to communicate with their client and resolve this fraudulent account. They need to contact XXXX to delete it from my report immediately.
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| 04/24/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX Deposit Disposition {$630.00} XX/XX/XXXX Email & Payment {$230.00} From : XXXX XXXX XXXX Date : XXXX XXXX XXXX XXXXXX/XX/XXXX at XXXX Subject : Re : Final Account Statement/Balance Due! # XXXX To : XXXX XXXX XXXX XXXX XXXXXXXX XXXX, XXXX To Whom it may concern, I just paid {$230.00} online out of the {$630.00} from the XXXX XXXX XXXX XXXX I will not be paying for the {$400.00} vinyl damage that the maintenance man caused by dragging a new refrigerator in the kitchen that was witnessed by two people on move in day XXXX. The witnesses offered to help the maintenance man with the refrigerator but he refused the help which led to him dragging the refrigerator in the kitchen causing the scrape marks on the vinyl floor which matches up with refrigerator wheels on bottom. after placing the refrigerator, the witnesses noticed the scrape marks on the kitchen vinyl floor which were caused by the maintenance man, he said not to worry about it. I'm a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that can't physically move a refrigerator by myself. I will not be paying for damages I did not cause. I have been a very good tenant, I have done everything by the book, never paid rent late, stayed an extra 3 months and paid for an additional month for replacement tenants to leave my lease early. I left the apartment in better shape than what we had on move in day. This apartment was originally rented for my mother XXXX who is XXXX of stage XXXX XXXX XXXX. Part of the reason why we had to leave the lease early was because the apartment was not safe for her. 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
If you have any questions or concerns regarding these matters, please do not hesitate to contact me.
Thank You, XXXX XXXX XX/XX/XXXX XXXX XXXX, call to Manager. Wanted to pay {$400.00} of balance, but manager couldn't find documentation and wouldn't accept {$400.00} for remainder balance and had no record of payment and was trying to reach the previous management company.
XX/XX/XXXX Collections Letter National Credit Systems , Inc. {$630.00} XX/XX/XXXX We contacted both XXXX XXXX and XXXX , Inc. to resolve this. XXXX XXXX didn't have the previous management company 's documentation and wouldn't accept documentation and or hung up the phone on us. Same with XXXX XXXX XXXX
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| 02/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
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| 06/28/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am writing to formally lodge a complaint against National Credit Syst, located at XXXX XXXX XXXX XXXX XXXX, GA XXXX. This company has engaged in practices that are in direct violation of federal laws, specifically those related to abusive debt collection behavior, inaccurate reporting to credit reporting agencies ( CRAs ), and failure to send required notifications via mail.
National Credit Syst has engaged in conduct that clearly violates the Fair Debt Collection Practices Act ( FDCPA ), as codified in Title 15 of the United States Code, Section 1692d. This law explicitly prohibits any conduct that harasses, oppresses, or abuses any person in connection with the collection of a debt. The company 's abusive behavior is a clear infringement of this law.
Furthermore, the company has violated the Fair Credit Reporting Act ( FCRA ), as codified in Title 15 of the United States Code, Section 1681i. This law mandates that if a consumer disputes the completeness or accuracy of any item of information contained in their file at a consumer reporting agency, the agency must 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. National Credit Syst has reported inaccurate information to CRAs and has failed to correct it upon dispute, which is a direct violation of the FCRA.
In addition, National Credit Syst has failed to comply with Section 1692g of the FDCPA, which requires a debt collector to send the consumer a written notice containing the amount of the debt, the name of the creditor to whom the debt is owed, and a statement that unless the consumer disputes the validity of the debt within thirty days after receipt of the notice, the debt will be assumed to be valid by the debt collector. The company 's failure to send such a notice is a clear violation of the FDCPA.
I am demanding that the CFPB investigate these violations and take the necessary action to ensure that National Credit Syst complies with federal laws pertaining to debt collection and credit reporting. As a consumer, I have the right to be treated fairly and in accordance with the law. It is crucial that these violations are addressed to protect my rights and the rights of other consumers who may be affected by these unlawful practices.
Thank you for your immediate attention to this matter.
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| 02/01/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems Inc reported that I owe them {$150.00} when I stayed with XXXX XXXX XXXX XXXX XXXX. However, the debt actually belongs to someone else who stayed at XXXX XXXX XXXX XXXX Apartments but left even before I moved in. We have the same last name and our first names are similar. The first XXXX letters of the first names are the same. This might have caused the company to think that we are the same person.
I entered the United States in XX/XX/XXXX for the first time and moved into XXXX XXXX XXXX XXXX Apartments in XX/XX/XXXX. However, this charge was caused by the previous tenant when they moved out on XX/XX/XXXX. I have US customs documents to prove this, if necessary.
In XX/XX/XXXX, a debt of {$150.00} showed up on my credit report. XXXX refuses to remove the debt off of my credit report. So I had to contact National Credit Systems ( NCS ). NCS sent me the files including the itemized charges and the lease on their record. All these files show the previous tenant 's name on it, not mine. I disputed to them, sending my id, trying to prove to them that I am not the debt owner. I even sent them my US customs documents, showing that I had never even entered the US until this point. Still, they say that this is not enough, and I need more proof.
This issue also happened in the past with this same person. They owed XXXX XXXX XXXX {$550.00}. This caused a mess to my credit report and I noticed it when I applied for my first credit card in XX/XX/XXXX. I called the main credit bureaus such as XXXX and XXXX to remove the debt for me. They did, without issue.
The debt owner and I do not even have the same name and she moved out before I even entered the US for the first time.
In the attached documents, you can see that debt owner and I are completely different people.
Description for the attached documents : XXXX. XXXX XXXX- shows the debt information including name, amount, account number and the unit number of the XXXX XXXX XXXX XXXX apartment. ( All this information shows the debt owner is not me. ) XXXX. Itemized Charges {$150.00} from XXXX -- shows the charging details. Again, the listed residents are not me.
XXXX. XXXX XXXX Disputer.pdf -- This is the lease I signed with XXXX XXXX XXXX XXXX apartment for unit XXXX, starting from XX/XX/XXXX.
XXXX. XXXX XXXX Debt Owner.pdf -- This is the lease the debt owner signed with XXXX XXXX XXXX XXXX apartment for unit XXXX.
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| 08/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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On XX/XX/XXXX, National credit system added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
On XX/XX/XXXX, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX XXXX. Upon, further research, this account was transferred/sold and I am I am no longer responsible for the account. Debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say this its mines. According to the FCRA XXXX XXXX XXXX has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
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| 12/08/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am writing to seek your assistance and intervention regarding an ongoing issue with a collections agency, National Credit System which has been attempting to collect a debt from me that has not been adequately verified.
I first became aware of this debt when I reviewed my Credit Report. However, I have not received a letter, call or notification from National Credit System.it I have not received any documentation that provides any detailed information or documentation to substantiate the validity of the debt.
I promptly reached out to National Credit System Via phone in XXXX, 2023. They couldnt not provide any detailed proof of debt other than Original Creditor, Account number and date. I then reached them via email with no reply back. I proceed to reach the collection agency by sending a request for debt validation via certified mail sent on XX/XX/2023. In my letter, I requested that they provide me with the necessary documentation, such as valid proof of the alleged debt. The original creditor 's contract, and proof of their authority to collect the debt.
I have called, sent emails and a certified letter with proof that I do not owe this debt. I believe this debt to be a fraud from original creditor.
Despite my request, I have not received any documentation or verification from National Credit System to date. It has been 6 months since I initially contacted them, and I remain concerned about the validity of this debt.
Consumers have the right to receive proper verification and documentation when dealing with collections agencies. This not only protects consumers from potential unjust collections but also ensures fair and ethical practices within the industry.
I kindly request your assistance in this matter.
I have requested proof of damages being reported and the reason for this collections but no proof has been provided by the collections agency or the original creditor ; other than the false accusations of landlord to collect. I have provided proof to the collections agency of the state of the premises when we left. Annual inspections were done and we always passed them. For the Final inspection the representative XXXX XXXX did not show up. She then claimed our deposit was being returned and it would reach us via mail. Months later she then sends a collections letter with false accusations. You may look into XXXX XXXX she seems to be doing this to many tenants.
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| 10/28/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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NATIONAL CREDIT SYSTEMS which is representing XXXX XXXX XXXX has threatened me and my previous roommates about a debt from a rental agreement that was null and void due to non-action on a 7-Day Notice. Our apartment became infested with roaches, ants, and bedbugs and they would not let us out of the lease even after a month went by and 3 attempts by their on site pest guy. Then they were saying we ( the renters ) were responsible for the mitigation costs of a Reputable company to come and for the adjoining units. Not only did they break florida statutes that specifically mention the bugs above and that they can not waive our rights to being able to break the lease. When we cleaned the apartment and moved out and hired a lawyer they stopped bothering us but then suddenly they say we owe them for the entire rest of the lease and additional amounts they haphazardly added. I have documentation of the original contract that has " bugs '' written in the portion for issues with the unit before signing the lease because there was little XXXX when we did the walk through of the unit but they assured me that they covered pest control. They did not cover pest control and wanted me to be subject to their XXXX apartment that was {$1500.00} a month. This has damaged my perfect XXXX rental history and now I have trouble getting apartments. I have copies of the rental agreement with bugs on it, 7 day notices which mention the specific statutes in florida for renters rights, and I have email documents proving bites to my body and girlfriends body and the communication with them that went on for over a month with no remedy and yet expected funds without a livable situation. I retained a lawyer that had to provide me with a residence for a year because I could not move in anywhere due to their illigimate claims against me. I have proof and they do not. How can companies get away with damaging peoples credit without fair representation. I would like them to remove this false debt because they have no claim or warrant to it. I can also provide XXXX submission, complaint to Department of Agriculture and Consumers services, and XXXX review that has required the company to change names because no one would want to live in a bug infested apartment for that much money. Please help as this is not a legitimate debt because I was injured in this situation and now have negative credit rating because of it.
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| 08/27/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX XXXX XXXX CT XXXX OH XXXX XXXX : Notice for Proof of Claim Account : NATIONAL CREDIT SYSTEMS # XXXX To Whom it may Concern : This is a this complaint is submitted Under OHIO LAW U.C.C 1319.12 Taking assignment of debts States ( C ) No collection agency shall commence litigation for the collection of an assigned account, bill , or other evidence of indebtedness unless it has taken the assignment in accordance with all of the following requirements : Credit contracts are non-assignable even if the contract has a clause for assign ability because it violates contract Law. Where there is no fair valuable consideration given, the contract or agreement is void ab inito. The debt is non-transferable. If it is a contract for credit or goes to the character of the parties, it can not be transferred or assigned. No state can make a law impairing contracts, Under OHIO LAW U.C.C 1319.12 Taking assignment of debts ( 3 ) The assignment was manifested by a written agreement separate from and in addition to any document intended for the purpose of listing the account, bill, or other evidence of indebtedness with the collection agency. The written agreement shall state the effective date of the assignment and the consideration paid or given, if any, for the assignment and shall expressly authorize the collection agency to refer the assigned account, bill, or other evidence of indebtedness to an attorney admitted to the practice of law in this state for the commencement of litigation.
The written agreement also shall disclose that the collection agency may consolidate, for purposes of filing an action, the assigned account, bill, or other evidence of indebtedness with those of other creditors against an individual debtor or co-debtors. XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX, XXXX Id XXXX. Once the Creditor writes off a debt, it can not be assigned or Collected. Since this is an error I demand that you send me the following proofs. As you are obligated to do in accordance with the Fair Debt Collection Practice Act. Section 1692 ( g ) : Under the Law, FDCPA, Section 1692 ( g ), you have 30 days to supply these proofs, if more time is needed please contact me by certified mail and I will extend you 15 extra days. I also request to see a certified copy of any contract or agreement between you and the original creditor that gave you the right to collect this debt.
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| 10/05/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX, a federally protected consumer, and I am making this complaint against ( National Credit System ) for committing identity theft. I have never given ( National Credit System ), 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 aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I have not validated any alleged debt with ( National Credit System ) and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/2023, I have not received any documentary evidence, such as a trilateral contract, giving ( National Credit System ) any right to collect on this alleged debt. I have never received any documentation requesting validation from ( National Credit System ), before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If ( National Credit System ), can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 System ), 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 System ), continues its collection efforts, I will file for litigation for actual damages caused and, ( National Credit System ) 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 UCC 1-202f. Your prompt attention and response are both requested and required.
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| 08/23/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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National Credit Systems claimed the following as a response to my previous complaint : " National Credit Systems , Inc. is a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX XXXX. These charges were not assessed by XXXX. XXXX XXXX has disputed her debt and XXXX has submitted her dispute to the CRAs as required by law. Additionally, we conducted an investigation of XXXX XXXXXXXX XXXX claim ( s ) by contacting the original creditor directly. They confirmed that the charges assessed were accurate and advised XXXX that XXXX XXXX never gave notice to move out. She came in and stated to the leasing office that she had given a 60-day notice to move out with previous management company. XXXX XXXX XXXX ( rep with XXXX XXXX ) stated she was employed with previous management and she never received any move out notice from her. When XXXX XXXX took over she came in the office on the XXXX of XXXX and said she was leaving on the XXXX of XXXX therefore we gave her the 30-day notice for her to sign she refused to sign and said she was not going to pay another month when she was not going to be here. They confirmed that she did turn in keys on XX/XX/XXXX If the consumer has additional information supporting her claim ( s ), please have her provide the documents to XXXX for further investigation and action if appropriate. '' However, there are fabrications in this message. I, XXXX XXXX, DID provide my 60-day notice ( see all previously provided proof ). I also could not have possibly gone into the office of XXXXXXXX XXXX on XX/XX/XXXX as I was working a XXXX XXXX shift in XXXX, Texas. I have attached the proof from my employer. On XX/XX/XXXX I had a XXXX appointment immediately after work at XXXX and immediately went to XXXX XXXX afterwards for lab work. I do not feel proof of these medical circumstances are required at this time but if they become necessary I will provide the proof. Therefore, I could not have possibly done the events XXXXXXXX XXXX and National Credit Systems are claiming which makes these a lie and a serious violation. I am being wrongfully accused and wrongfully being reported. Lastly, I turned in my keys on XX/XX/XXXX. If they are claiming I went to the office to turn in keys on XX/XX/XXXX they will need to provide proof as it has been established that they lie in an attempt to receive money and they simply can not be trusted.
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| 06/20/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I rented an apt at XXXX XXXX in XXXX in XX/XX/XXXX. My next door neighbors were XXXX, biting, yelling and slamming each other against my dining room wall on XXXX XXXX 's day in XX/XX/XXXX. XXXX Police and SXXXX XXXX XXXX the boyfriend ( went back to XXXX ) out of the apt and girlfriend went to hospital. This event breached my apt . lease. I delivered XXXX breach notice. Next Sunday, the same girl was drunk again, making all the noise again and she was kicking, cussing and banging on my front door to retaliate. I called XXXX cops and they arrested her for XXXX conduct and I had her served with an XXXX against XXXX in XXXX XXXX. I delivered copy of restraining order and more breach of apt . contract letters to XXXX manager, XXXX right away. Later, same girl at XXXX XXXX was screaming, children crying and banging on my wall. I called XXXX cops and the noise stopped. I delivered another breach letter to XXXX office. I went to XXXX to do a walk thru and XXXX, mgr agreed to do this, she reneged, I told XXXX she waived her right to a walk thru and I am not responsible for anything. I handed XXXX my keys. I moved out. A month later, I got a collections letter.
I disputed it with XXXX-XXXX and National Credit Systems as identity theft, fraud, and I am not responsible-my lease was breached by XXXX. XXXX allowed my next door neighbor to harass me, XXXX cops and Swat team over several times to my apartment as she lived next door to me. Neighbor even went to XXXX XXXX for violating my restraining order and XXXX was very well aware of this by my letters to them. XXXX chose not to follow the law and harassed me by doing nothing to follow the law and evict her. I hand delivered several breach notices to XXXX, XXXX chose not to obey the law and evict her immediately.I had no lease for XXXX to file collections on me. THIS IS FRAUD!!!
I told and in writing to collections that XXXX broke several AZ laws and AZ Landlord Tenant Act which I delivered typed to XXXX. There was no apartment contract for XXXX continued to allow the breaches for the other tenants conduct that terminated by lease agreement with XXXX-health and safety and no noise agreement in my lease and upheld by the laws. The collection remains on all 3 credit reports since XX/XX/XXXX.
This is illegal and has totally screwed up my life for I can not rent an apartment because of the fraud or get credit.
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| 05/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I am requesting that this claim be removed from my credit report.
The creditor 's claim was made on XXXX 2010 ( over 6 years ago ) and I never received documentation on this claim. I have XXXX debt collection agencies requiring payment for the same claim originally sold to them by XXXX XXXX XXXX of Alabama. I have verified over the phone with both debt collection agencies that the claims are from XXXX XXXX XXXX and for the SAME CLAIM made by XXXX XXXX XXXX. In order to verify this in documentation I have pursued National Credit Systems seeking documentation on the claim. These are the steps I have taken with National Credit Systems : 1. I have never received any documentation on the claim from National Credit Systems, they are required to send me documentation of the details of the claim made.
2. I called National Credit System 's home office and spoke to a representative requesting documentation of their claim, verifying my current address. No documentation was ever sent to me.
3. I sent a letter ( attached below ) requesting documentation of claim XXXX within 30 days requiring they remove the claim from my credit report if not received. No documentation was sent to me.
4. After 30 days of the first letter I sent a second letter ( attached below ) again requesting documentation or claim XXXX or to remove the claim from my report. No documentation was sent to me.
5. I contacted National Credit Systems over the phone and spoke to a representative requesting documentation, I also informed them that another debt collection agency was seeking payment for the same claim and they needed to be contacted. Again no documentation of claim XXXX was ever sent to me.
The original claim made by XXXX XXXX XXXX in 2010 was that I had not given them proper notice to end my lease ( 60 days ). I gave them a 30 day notice before my lease agreement ended for job transfer to another state. I forfeited my deposit to them for this reason and they still attempted to require of me moneys even though the deposit would cover the extra 30 days rent. I never agreed to their pursuit of extra rent money and thus they sold the claim to XXXX different collection agencies.
The original claim made by XXXX XXXX was erroneous and National Credit Systems was required to send me documentation of this claim and never did so. Please remove this claim from my report. Thank you
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| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against National Credit System, for committing identity theft. I have never given National Credit System, 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 aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have not validated any alleged debt with National Credit System and my failure to dispute the validity of these alleged debts shall not be construed as an admission of liability. As of XX/XX/23, I have not received any documentary evidence, such as a trilateral contract, giving National Credit System any right to collect on this alleged debt.
I have never received any documentation requesting validation from National Credit System, before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report, including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If National Credit System, can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 15 U.S. Code 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 System, 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 System, continues its collection efforts, I will file for litigation for actual damages caused and National Credit System, 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 UCC 1-202f. Your prompt attention and response are both requested and required.
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| 03/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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My identity was stolen and used to open an apartment in the state of NC, I have never lived in nor do I know anyone that resides in NC, I have lived in GA for over 15 years. upon further review of my credit report, I saw that there was a balance of {$3000.00} and contacted the debt collection agency, National Credit Systems. I informed them that the debt was not mine and they sent me an affidavit to fill out. Prior to mailing it back, I called National Credit Systems to ensure there wasn't any additional information I would need to send along with it, the manager stated no, just the affidavit. To be sure, I sent a copy of the police report and my drivers license along with the notarized affidavit in the month of XXXX by certified mail which they validated they received XX/XX/2021 and that the fraud process would take 30 days, they were waiting on the rental community to verify the validity of the debt. I called again in the beginning of XXXX and they stated they were still in the process of validation. I called again in mid XXXX and they stated their investigation was complete and that they needed more information ( they made no attempt, written nor telephonic to request more information from me ), upon asking to speak with the fraud department they told me that I was unable to speak with them, they do not have a phone number/direct line to the department. Within the same call as I proceeded to get frustrated, the manager stated that the debt was verified to be mine and has been sent to their sister company ( Law Firm : XXXX XXXX ) and I needed to contact them for further information, there was nothing they ( National Credit Systems ) could do. Upon contacting XXXX XXXX, they stated that I needed to contact National Credit Systems regarding the fraud-related portion of the debt and I also needed to send them everything that I have already sent National Credit Systems for them to review. The companies have continued to place the file on my credit for debt collection, latest dates being XX/XX/2021 and XX/XX/2021.The companies have not completed their full due diligence to verify the validity of the debt nor have they provided me with supporting evidence of the results of their " investigation ''. Due to this, my credit score has lowered and I am unable to move out of my current residence due to the eviction still being reported on my credit.
|
| 09/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I signed a rental agreement from XX/XX/XXXX until XX/XX/XXXX. I had numerous issues with this company from having strange men that supposedly were there to spray for bugs just walk into my home without knocking or announcing themselves. When this happened I requested to have someone contact me from corporate which never happened at this time i made it very clear that I would not be signing another lease. In XXXX I went to the leasing office again explained My current landlord would be sending over a rental verification because I was not renewing the lease and could they fax it back This was on XX/XX/XXXX. My new landlord advised that she never received the verification so I went back to the leasing office gave the young lady that sits by the door the documentation stating I would be out by XX/XX/XXXX. She stated she would resend the verification to my new landlord but of course they did not I had to go back and forth to this leasing office until XX/XX/XXXX and stand in front of the woman that claims to be a manager but is extremely nasty and watch her fax it while I stayed on the phone with my new landlord. AT this time I advised and asked do I need to do anything else with yall to make sure im in good standing with you all. She said I was all set just turn in my key which I did on XX/XX/XXXX. Mind u I moved out on XX/XX/XXXX and also paid the rent that was owed. Maintenance and everyone in that office was aware I was moving. I have copies of documents provided to me by the apartment complex showing where all payments were up to date as well as my current bank statements. I never once signed a new lease and my rent was XXXX and that simply doesn't add up to over XXXX dollars owed to them not when i have proof they were paid out. On top of that I never got my security deposit back either. I was told by others in the building that XXXX XXXX XXXX will just continue billing u each month even when they should not be which is obvious in my case because there was no damage no stains on the floor no holes in the wall or anything just an empty apartment when I turned my key in. I have made several attempts to call them since then and I get no response. I call and call and nothing. Even the collection agency that I realized they used to add this to my credit just sends u to voice-mail. This was the absolute worst experience dealing with these people
|
| 09/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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In XX/XX/2021, I had consent to a complete background screening for employment. Only then was it brought to my attention that I had a multitude of debt and arrests I had absolutely no knowledge of. Due to a private domestic XXXX situation, 10 years ago, I went into hiding and refrained from anything that placed my information on public record. During this period I had not asked for any credit from anyone cause it placed my safety at risk. I immediately obtained legal counsel and began researching all of this fraudulent activity which began nearly 10 years ago. I filed an identity theft report with law enforcement and the Federal Trade Commission where I received instructions on the recovery process. A fraud alert was immediately placed on my account to prevent further theft and new fraud accounts. Also, all of the necessary documents needed to dispute these fraudulent accounts, were sent via certified mail to the credit bureaus. Under the Fair Credit Reporting Act 605B, the reporting agencies shall remove and block any information from a file that is a result of identity theft. The credit bureaus are alleging that National Credit Systems was informed of my documented report of identity theft but instead continue to report this debt as valid ignoring the proof in my documentation. I have never done business with this agency or any creditor affiliated. They do not have anything indicating that I authorized use of my identity to receive any services. I have never provided any forms of identification or signed any contracts to validate this debt. Therefore, ignoring my requests and continuing to pursue payment on a fraudulent debt is extremely unfair, illegal and a bad business practice. I am currently working on obtaining video evidence to bring criminal charges to the person responsible whom I believe is a close relative. In the meantime, this agency needs to honor my rights as a victim and remove this debt from my name and cease all collection efforts from me as I am not responsible nor have I participated in incurring this debt. I believe each company has a process on dealing with fraudulent accounts as they would also have extensive means to verify one 's identity prior to opening these accounts. This has been an overwhelming process and I'd appreciate it if my rights were honored and this debt is removed from my account permanently.
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| 01/23/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XX/XX/XXXX and provided a release from National Credit Systems on National Credit Systems ' letterhead.
Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history.
Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , IncXXXX and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file.
1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to remove my name from the account and collection action. Ive attached that email sent XX/XX/XXXX.
2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated XX/XX/XXXX, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems.
Please immediately remove the National Credit Systems , Inc. collection listing from my report.
Thank You,
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| 09/19/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received two notices from National Credit Systems , Inc . Both notices stated that I had until XX/XX/2022 to dispute all or any part of the debt and that I could do it by phone or mail ... Because I had received the notice days before the dispute deadline, I decided to call to issue my dispute on XX/XX/2022. On this date, I called with XXXX XXXX directly at ( XXXX ) XXXX and spoke with him... I informed XXXX XXXX that I was disputing both notices with reference numbers XXXX and XXXX and requested that he prove that i owd the debt by providing me with a debt validation letter and supporting documents. XXXX XXXX at the time asked for my email address and I informed him that I was requesting this information be sent by mail. XXXX XXXX then agreed to mail these documents to me, but to no avail. XXXX XXXX website also clearly states that National Credit Systems does not provide any correspondence via email. I later received another notice from XXXX XXXX of National Credit Systems statting that I haver not made a suitable arrangement to resolve my debts. On XX/XX/2022, I called XXXX XXXX again and informed him that I did not receive the requested debt validation documents ... XXXX XXXX went on to indicate that he did not have the documents but that I still owed the debt. I asked to speak with XXXX XXXX XXXX and XXXX XXXX ended the phone call. I tried calling back right after and was left on hold by XXXX XXXX for a long extended amount of time with no success of being connected to a supervisor or manager. I followed up with another phone to XXXX XXXX on either XX/XX/2022 or XX/XX/2022 and had an extensive conversation with him. I informed him I was disputing these debts and still wished to speak with his supervisor, again to no avail ... XXXX XXXX informed me he would again email me documentation and I informed him that his website clearly indicated that National Credit Systems did not communicate with clients via email. XXXX XXXX informed me that he would have his supervisor contact me that day but I have yet to receive a telephone call. These accounts have been placed on all three of my credit reports and have caused my scores to go down over XXXX per bureau. Because of this inconvenience, I have not been able to obtain the requested credit needed for myself and my family. I appreciate your assistance in helping resolve this issue.
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| 01/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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A collection # XXXX was started by National Credit Systems , Inc. for an amount of {$5300.00}. This debt was for the apartment lease of my estranged adult son. I did not sign or cosign a lease. I called the landlord, XXXX ( XXXX XXXX XXXX ), and they were very apologetic. There was no cosigner agreement on file or any attempt to use my social security number or personal information fraudulently. They wrote an apology on XXXX XXXX 2017 and provided a release from National Credit Systems on National Credit Systems ' letterhead. Everything appeared to be fine until a derogatory report/collection action appeared on my XXXX credit report in XXXX of last year. I immediately disputed the report with both National Credit Systems and XXXX. National Credit Systems claims that I was removed from their collection and multiple XXXX representatives ( at least 4 ) have said that it would be removed from my credit report after 48 hours. It has not been removed and has affected my ability to obtain a credit card even with a XXXX FICO and otherwise blemish free credit history.
Here is the fax cover letter I sent to XXXX : Ive attached two documents in support of clearing the collection action on my credit report with confirmation # XXXX. The debt is not mine. I did not sign or cosign a lease with The XXXX XXXX or ever live in their apartments. The XXXX XXXX started a collection action with National Credit Systems , Inc. and National Credit Systems erroneously tied my name to the collection action. They do not have my social security number, a signed lease, or a cosigner agreement on file. 1. The XXXX XXXX wrote an email apologizing for the error and confusion. They instructed National Credit Systems to remove my name from the account and collection action. Ive attached that email sent XXXX XXXX, 2017. 2. National Credit Systems complied and sent a retraction to me and The XXXX XXXX on their letterhead, dated X/XX/2017, removing my name from the account and stating that they would no longer pursue me for the recovery of the account. They also stated that any derogatory credit listing would be removed promptly. Ive attached a copy of their letter. Several voicemails over several days have simply gone unanswered by National Credit Systems. Please immediately remove the National Credit Systems , Inc. collection listing from my report.
Thank You,
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| 02/27/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was hoping it wouldnt come to this. But XXXXXXXX XXXX deserve to be protected!! I lived at XXXX XXXX XXXX for 2 years. I gave them 2 years of loyalty, never a late payment in spite of having to deal with, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX one of which was a good friend of mine in the neighborhood who owned the liquor store across from the apartment complex that happened directly across the street from my apartment unit and another third shooting that happened in my apartment complex at XXXX XXXX. Is one supposed to have to live like that? I carried out 2 years and when it was time for me to sign my third lease I had the option to sign that lease 2 months in advance. At the time my finances were not in the best position to move so I went ahead a signed the lease. Well, things changed when my friend was shot at the store, I needed to desperately move and for a peace of mind. My XXXX, my friend had just been shot and killed in his own store that I frequently shopped at. I never asked for any sympathy but 1 month before my new lease was supposed to go into effect I went to talk to XXXX who was the XXXX XXXX XXXX of the company that owned XXXX XXXX XXXX which was XXXX XXXX. I just asked that because my lease had not gone into effect could they simply waive the fee that they charge to break the lease. I've been a great tenant despite the issues. You have already taken my deposit that I paid which I never got back. Now you want me to pay {$800.00} to break the lease. so boom they put the {$800.00} on my credit when they know I'm moving to another place. the debt hit my credit faster than I could move out. So now I just recently settled the payment at {$400.00} which they could have offered that before and met me half way but now it effects my credit. This how you do XXXX people when it comes to credit. The lease had not even gone into effect. This entire situation was insane. I held up my end of the bargain by paying 2 years straight but they failed me as a tenant. provided no safety measures following the first shooting, didn't even offer resources for therapy for the mental health issues that could arise from simply hearing XXXXXXXX XXXX. we do our communities a disservice when we don't show empathy and we make it all about the money. that is pure greed.
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| 09/23/2019 |
No |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/, 2019 I received the first phone call from National Credit Systems Inc. XXXX XXXX was the employee who spoke to me. He used aggressive and loud language and while attempting to understand if the debt was added XXXX my credit report, he hung up on me.
I called back and reached him where he told me if I didnt listen to what he had to say he would hang up on me again. I asked to speak to the manager, and he hung up on me.
On XX/XX/XXXX he called me back and I told him I would make a complaint if he spoke aggressively toward me one more time. I was able to tell him that I am not disputing all of the charges owed, but my previous lease did not require me to pay for some of it. He stated that he filed the dispute.
On XX/XX/, 2019 XXXX XXXX called me back and stated that the lease he had did not contain literature about pet damage. Once I realized the apartment complex provided the wrong lease, I provided the updated lease that included the pet addendum. I told her what paragraph to find the literature and we disconnected neutrally.
On XX/XX/XXXX XXXX XXXX called me and spoke to me. He explained that the apartment complex would not remove the disputed amount of money. He told me that he never asked me for an updated lease and that he did not know what I was talking about. I reminded him that I in fact sent the email to his XXXX, XXXX XXXX with he email he provided me.
XXXX asked me why it was a big deal to dispute the small amount that was owed instead of paying it. I told him my lease stated I was only responsible for a replacement and not a repair, as the literature stated. XXXX XXXX interrupted me and disconnected the phone call.
National Credit Systems is refusing to mediate the amount owed and refusing to understand the literature of the lease in question. National Credit Systems is using harassing tactics to prevent me from paying only the money I owe. I have stated many times I am not disputing the majority of the debt and I am willing to make payments. I am unwilling to pay for what I am not responsible. National Credit Systems is attempting to stall on the issue to allow for enough time for the debt to go into collections for purposes of profiting. I attempted to speak to the XXXX XXXX XXXX XXXX on XX/XX/XXXX but was only allowed to leave a voice mail and was told he would not accept my call.
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| 04/12/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Parties : 1. XXXX XXXX XXXX XXXX, 2. XXXX XXXX XXXX at XXXX XXXX, 3. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX From : XXXX XXXX XXXX Sent : Monday, XX/XX/XXXX XXXX XXXX To : XXXX Assitant Manager XXXX Subject : Re : XXXX XXXX Dear XXXX - I am extremely disappointed. I am trying to get to the bottom of why there is a collections account filed for me? When I turned in my door keys and mailbox keys to you in XX/XX/XXXX, I asked you whether there was anything else needed. You stated that everything had been finalized and gave me a receipt. You indicated that there was no balance owed and you took my mail forwarding address for any further correspondence. I did not receive any communication from you. However in XX/XX/XXXX, a collection agency called me and said that I had an outstanding balance. I thought that this must be a mistake, so I called your office to find out and I even emailed you as seen below. I have not received any correspondence from you or your office and unfortunately, a collections has been placed on my credit file.
XXXX, we both know that I do not owe any rent to XXXX XXXX XXXX. I have kept all of my receipts, all of which are signed by your staff as paid. I have pictures after my move that show that there was no damage done to the apartment. So, I can not imagine why my account was sent to collections. I have repeated asked for someone to show me a balance sheet to see where these charges originated. However, I have yet to receive this information. My requests for information are being ignored and yet my credit is being negatively affected.
From : XXXX XXXX XXXX Sent : Wednesday, XX/XX/XXXX XXXX XXXX To : XXXX XXXX XXXX ; XXXX Assitant Manager XXXX Subject : Re : Apartment XXXX XXXX - did you send an account to collections for me? I moved out in XX/XX/XXXX and I received a notice from a collection agency that stating that I owe a balance. This is not true. I do not owe a balance and I did not owe a balance when I moved out. I was never notified of any such balance and when I turned in my keys, I was not told of any balance. Since I moved out, no one contacted me letting me know that there was a balance and then out of the blue, I get this notice and the collection agency has been calling me demanding that I pay money that I do not owe.
I would like to know what is going on?
Regards.
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| 07/19/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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on XX/XX/XXXX my husband XXXX XXXX received a phone call from XXXX XXXX ( XXXX or XXXX ) representing National Credit Systems Inc she called from an auto dialer with a XXXX area code. We rented an apartment XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX XXXX in XXXX and gave them notice to vacate as we had a new home under construction that was finished in XXXX and our lease was scheduled to end XX/XX/XXXXXXXX we had a balance left over from XXXX rent and I tried to negotiate payments with the in house billing office for XXXX XXXX but they would not accept our terms. I wanted to make a {$50.00} a month payment because at that time that is all we could afford. Those collection efforts started in XXXX we could not reach a resolution so they forwarded our account to collections and we were not aware of this and the collection agency did not communicate with us in writing they called on XX/XX/XXXXdemanding us to make a payment and that if we did not pay full amount or high deposit to start payment arrangement that they would report the account to our credit. feeling pressured I offered to pay {$100.00} we I spoke to XXXX XXXX on XXXX XXXX and then told her would could possibly make another {$100.00} by XXXX XXXX. She said we needed to pay at least {$400.00} to get on a payment plan that would protect this account from reporting to our credit. I called again on XXXX XXXX to let XXXX XXXX know after reviewing our budget we could not afford to pay {$200.00} this month to this account and then she said that she could not protect this account from reporting to our credit and I told her well this is all we can afford right now as my husband was laid off in XXXX. I then went to the NCDOI website to get their license # and I found that National Credit systems incXXXX is not licensed to collect in the state of NC. which is illegal and now I need to go to my bank and have my checking account numbers because I am not paying this credit agency a dime. They are supposed to allow consumers 30 days to respond to their collection efforts and they were not even giving us the opportunity they went straight to threats of credit reporting. I believe her name is XXXX XXXX the collector in charge of my account so if you call speak to an operator who will direct you straight to her line. Unfortunately I am unable to find a physical address.
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| 08/18/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Hello, I moved into a student apartment 9 months after the lease and I failed to get an inspection. Seven weeks, we were all kicked out. We were told if we left immediately that it would n't be on our credit record no would we incur any expenses. Just to note they kicked us out after the check for rent was cashed.
There was a large repair bill and it was split three ways by management. XXXX roommate ( XXXX ) paid her share. We negotiated a reduced fee, and paid my share. The XXXX, never paid her share and they are going after us/me for the remaining balance.
I have call and spoke to me, harassed me, disagreed with me, I have given them the contact info on the third person and when they ca n't reach her ( she ignore them ) they come back and harass me. The call at my home, my work, I recently sent them a certified letter with proof of payment and they sent back a letter saying they need proof.-Already sent. I have looked up the info on XXXX and they constantly get complaints. After a while they have a different person from their organization take over my " case '' and the harassment starts over. When we paid the debt they refused to give us written confirmation. We did however pay for it with my father 's credit card. The name of the company is NATIONAL CREDIT SYSTEMS of Georgia, the Harasser is XXXX XXXX XXXX, I also sent to the President and the Collection manager XXXX XXXX by registered mail on XXXX/XXXX/XXXX.
The bill was paid on -in full- for my portion on XXXX/XXXX/XXXX -- whereby we gave XXXX XXXX my dad 's credit card number and paid {$750.00}.
As I said we recently received another piece of mail from XXXX XXXX XXXX and they said there is n't sufficient evidence to validate my claim. I would think a credit card statement to the to National Credit Systems would be proof enough. In addition, we started keeping records of the calls and documenting them and outlined that in the certified letter.
How do we stop this? it has been paid, they are continuing to harass me and I feel a XXXX on this matter. It was n't my mess, I should n't have paid anything, They should have cashed my rent check and then kicked me out the next day. But they did and now I am being harassed so much I am sick over this.
I did all the right things. Make this stop- they are criminal in the tactics and their efforts to get money
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| 12/07/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my third attempt trying to handle this matter with National Credit System.
In accordance with the FDCPA, 15 U.S.C 1692 CC, I refuse to settle any financial obligation I might lawfully owe, I have not received the following documentation from you # XXXX : Validation of the debt ( the actual accounting ) ; Verification of your claim against me ( a sworn affidavit or a hand signed invoice in accordance with The Uniform Commercial Code ) ; A copy of the contract signed by both parties and therefore binding both parties.
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 Money Laundering Control Act of 1986 and what actions s/he has taken in relation to this account.
Payment history from original creditor A non negotiable estoppel notice was sent XX/XX/XXXX ( CM # XXXX ) and XXXX XXXX ( CM # XXXX ) requesting the creditor to removed the following account : National Credit SystemXXXX XXXX XXXX XXXX XXXX {$3000.00}.
Please Note : I wish to deal with this matter in writing and I do not give your organization permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under The Fair Debt Collection Practices Act.
IN ACCORDANCE WITH THE FAIR CREDIT REPORTING ACT, MY RIGHTS HAVE BEEN VIOLATED MY RIGHTS : 1. ) 15 U.S.C 1681 SECTION 602, 15 U.S.C. 1692 States I have the right to privacy.
2. ) 15 U.S.C. 1692 ( C ) ( A ) States a debt collector has to have my consent to text, call, or email you.
3. ) 15 U.S.C 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish a account without my written instructions.
4. ) 15U.S.C 1681 B ( 2 ) States if I did not give permission to have anything on my credit report it is not suppose to be there.
5. ) 15 U.S.C 1666 B : States a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
6. ) 15 U.S.C 1692 ( F ) ( 8 ) - States you are not allowed to use logo or symbol on their envelopes.
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| 12/26/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX, I received a letter from National Credit Systems , Inc. in response to a letter from a XXXX XXXX regarding a Debt collection. The letter was dated XX/XX/XXXX in regards to a debt owed to XXXX XXXX for the amount of {$730.00} ; however, I did not incur any debt when I moved from this apartment complex back in XX/XX/XXXX. I was never notified, by XXXX XXXX. ; of any questions following my leaving their site neither, and they had all my contact information. I responded with a letter of explanation to NCS on XX/XX/XXXX requesting information. I received only a copy of my lease and a screenshot print out of an incorrect move out date. This printout did not match the ledger details or any other paperwork from XXXX XXXX that I had received in the past. This appeared to be a scam. I received another letter XX/XX/XXXX from a XXXX XXXX of XXXX XXXX XXXX, XXXX ( XXXX ) and spoke with a XXXX XXXX and XXXX - they both said that they are collecting a debt for XXXX XXXX, but when I called them on XX/XX/XXXX and spoke to the reps who said that they were representing XXXX, then they said XXXX XXXX, and they yelled that I need to get a lawyer when I tried to explain that I did not owe any money, and I could provide proof. I called National Credit Systems, ( XXXX ) on the the same day, and they mentioned this law office on their phone system. Then, I spoke with a rep who says that the XXXX XXXX of XXXX XXXX XXXX represents National Credit Systems. It appears that the debt collector, National Credit Systems , Inc. is representing themselves as the XXXX XXXX of XXXX XXXX XXXX, XXXX. in XXXX, GA. I have reached out XXXX XXXX several times, and finally was able to speak with XXXX XXXX on XX/XX/XXXX ; who informed me that they are no longer tied to the company XXXX, and she was not aware of any debt collection proceedings through them. She advised me to contact XXXX at ( XXXX ) XXXX but no one answers their phone. A collection from National Credit Systems remains on my Credit report with all 3 agencies since XX/XX/XXXX, and has prevented me from rental applications, and has reduced my credit score to prevent me from other purchase and application activities. I want this removed from my credit reports and dissolved since this debt is not correct, and I have paid XXXX XXXX in full prior to moving in XX/XX/XXXX.
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| 08/19/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was evicted from my aprtment complex due to my rent going up and me not being able to afford it. I was getting assistance from XXXX company so that I could pay a portion of my rent. My apartments filed against me stating that I owed an amount of about XXXX. I was taken to court and there I filed a paper affadavit since I wasnt able to afford to pay that much. I was told to pay to the clerks office a set amt each time so that I could eventually pay off the debt. Each time that I made a payment I would get a receipt. When the time had come for my final hearing in court, my apartments stated that they sent me a letter and even called me to inform me of the court date. I received the letter of notification in the mail weeks later. I was eventually put out of my apartment and had to move in with my parents. Shortly after this I was contacted by National Credit Systems and was informed of my debt to my apartments. I was totaling over XXXX. I started on a payment plan with the company for {$50.00} a month. Everything was going smoothly until I was charged XXXX one month. I spoke to a supervisor and it was straightened out. I continued to make payments of {$50.00} a month. They were taking out my payments on different days which was n't discussed with me. I was charged XXXX again for {$50.00} and told them that I did n't want to be on monthly billing anymore. I was charged every third and fourth Thursday or at least that when I was supposed to be charged. I started to make payments on my own and got my balance down to just a little over XXXX the balance was XXXX to be exact. I was going to make a payment of {$300.00} around XXXX. They stated that my balance was XXXX. I asked XXXX which is the person that handle my acct. She stated that there were fees added from XXXX. I wanted more clarification on this matter and spoke to her supervisor. she stated that she would do more research and call me back. She didnt return my call. I called back 2 days later and was told that my balance was XXXX. I asked again why the balance was different and was argued with. I am trying to be an honest customer and pay my debt but I refuse to do so if a company wo n't clarify why the amt of the debt increased. I hope that this complaint is researched and I receive a follow up for it very soon. Thank you for your time.
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| 06/23/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received bill from the debt collector, National Credit Systems, in XX/XX/XXXX. Immediately I called them to find out what the bill was and was told it was from my previous apartment. Upon reviewing the bill, I found that the bill included rent from AFTER I left the apartment and cleaning, damages, etc. I immediately disputed the debt by letter sent on XX/XX/XXXX. I kept receiving calls demanding full payment and was told that I " did not dispute '' correctly. I then sent another letter to request written explanation of how to dispute, and I sent additional proof of my contested amounts. That letter was written XX/XX/XXXX. I have not received any letter explaining the dispute process but I was reported to the credit bureaus. I called the debt collection agency on XX/XX/XXXX to ask about the status. I was told they are waiting for the original property management ( their " client '' ) to respond to my debt dispute. I asked if they had notified the credit bureaus of my dispute or just my debt. They said they had notified them of the dispute as required by law. I called XXXX and they had the original amount of the debt reported as outstanding but NO notification of my dispute. I am also questioning whether or not the original property management actually determines the validity of my dispute - from reading online it sounds like the debt collectors actually buy the debt and then deal directly with the person owing. I don't think they are being honest about the process and certainly not honest in their dealings with me. In addition, they have reached out to my ex boyfriend about this debt and discussed it with him though he had left the apartment over a year prior to my vacating so I am unclear why that is happening. Though I am finding that the apartment did not process his removal from the lease nor the addition to the lease of my then new roommate when that happened in XX/XX/XXXX. This has lead to much of the confusion with this entire bill - unfortunately the bill was never presented to me until it ended up across the county with the debt collector. The property management company refuses to return my calls and has only communicated with me through the XXXX XXXX XXXX in our state. I am at a loss on how to clear my record so that I am able to rent again when I relocate in XX/XX/XXXX.
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| 12/05/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In or around XX/XX/XXXX, I received notice from the National Credit Systems , Inc, that I owed a debt to Ascent at XXXX XXXX in the amount of {$1200.00}. I repeatedly made attempts to contact management about a notice that was left on my door, in which I told them I didn't understand, in which the notice was about resigning my lease, but they never answered the phone, nor were they in the office, which is around when Covid hit. On my lease it states that i should have given a 60 day notice, in which I linked up with management at and was allowed by XXXX XXXX, to give a 30 day notice. XXXX XXXX gave me a notice to vacate, she crossed out the 60 day part, and wrote 30 day notice, she also filled in the rest of the form and wrote, As of XX/XX/XXXX XXXX XXXX does not owe any more money to XXXX of XXXX, my lease was due to expire on XX/XX/XXXX. As they feel like the lease is a signed contract, I feel like the notice to vacate is a signed legal document also. XXXX XXXX chose to void the contract, and now wants to hold me accountable over a year later. I moved, and placed these apts as my previous residence, because I knew I left in good standing. They are trying to charge me for damages without proof, cleaning fee, in which I cleaned unit myself, and a lease termination. Had XXXX XXXX not agreed to honor the 30 day notice, I would simply have stayed in the unit and allowed myself time to present a 60 day notice, or I could have signed on to lease from month to month. XXXX XXXX refused to walk the unit the day of signing the notice to vacate, again because of covid, now they wan na come with made up charges. I have XXXX XXXX XXXX of XXXX XXXX XXXX for oven 15 years, I am not a nasty person. I cleaned that unit because I knew I wanted my deposit returned. I can also prove through their work order system, that the only damages to that unit, was because negligence on the maintenance staff, in which due to repeated flooding inside the wall and under the sink, the bottom of the cabinet collasped, and was full of mold. A square was cut out in the wall to access the leak, and was never repaired the entire time I lived in the unit. I feel as though, if I owed and money, it should have been noted in the Notice To Vacate, not when my new apartments contact you, when Im trying to move over a year later.
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| 11/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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To Whom It May Concern : This letter is being sent to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your claim is disputed and validation is requested.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : At this time, I will also inform you that if your offices have reported invalidated information to any of the XXXX major Credit Bureaus { XXXX, XXXX or XXXX } this action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such time all collection activity must cease and desist.
Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate.
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| 05/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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National Credit Systems is unlawfully reporting an account on all XXXX of my credit reports that does not belong to me.In contacting this debt collecting agency to request debt validation for the account ( XXXX apartments ) I was told that the wrong information was uploaded to this account, that supposedly belongs to me, ( that there was information there under this account with my personal information on it, but that the documentation that they have to support it is incorrect and belongs to someone else ) and that they did not have any type of original contract etc to provide at the moment. I was also told by the representative XXXX XXXX XXXX that she would request this information from the said original creditor and to wait a weeks time. I also spoke with XXXX 's supervisor XXXX XXXX XXXX XXXX who also advised me of the same thing, that he would request this information and to wait a weeks time. It is now concluding week XXXX and I have yet to receive and type of documentation. After first waiting for a response, I decided to contact the original creditor ( XXXX apartments ) and spoke with the manager directly who informed me that there was no knowledge of an account under my name. She also stated that if there were, the agency should have it, which again, both the representative and her supervisor stated that they did not but that they were requesting. I then contacted the agency again and was informed by XXXX that there were XXXX request over the past few weeks made by both herself as well as her supervisor, but nothing was ever received. XXXX then stated that she did not know what was going on and that she could only inform me of what she was seeing which was that someone else 's information had been scanned to an account that supposedly belongs to me and that XXXX requests were made to obtain this information but that nothing was ever received. I was then transferred to her supervisor ( XXXX XXXX XXXX who stated that they would no longer take anymore phone calls from me and that I needed to have an attorney contact them, which I find odd since they are reporting me in an attempt to collect a debt which again does not belong to me. XXXX XXXX then disconnected the call while I was still attempting to inform him that this creditor stated that there was no documentation of any kind.
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| 05/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I initially moved into XXXX XXXX XXXX in XXXX, IL in XXXX after XXXX. Before I signed the lease, I had authorization from XXXX to received XXXX in order to pay for the apartment, as well as their approval to live off base. Shortly after I signed the lease my command and I learned that the base would not authorize both the XXXX pay and the off-base housing. I had no option but to withdraw from XXXX XXXX.
My command supervisors had worked out an agreement with management so that I may leave the apartment. The verbal agreement was XXXX XXXX kept my security deposit and I pay the rest of the month 's worth of rent. The rent was somewhere around {$500.00}. One of my supervisors personally handled that affair. I did not sign any papers for the agreement. Nor did I receive and collection notices, phone calls, or mail from XXXX XXXX XXXX XXXX.
On XXXX XXXX, 2016 I received a call from National Credit Systems with an attempt to collect {$3000.00}. I immediately opted to dispute the charges. Between XXXX and XXXX XXXX, 2016 I have been submitted letters, government documents, and statements from the supervisors involved with the debacle to help support my dispute. On XXXX XXXX, 2016, one of the managers from XXXX XXXX XXXX XXXX made it a point to call me, or rather harass me.
The conversation summed up to be her claiming that my statements and the statements from my supervisors were " falsified, '' that they did not indeed accept or receive the ~ {$500.00} payment, and that my supervisors and I were " dishonorable. '' She also stated she felt threatened, that we were after her to get her fired. I did not say much in reply throughout the entire phone call, as I felt insulted. The next day I received a call from a representative of National Credit Systems Inc.
The representative stated that XXXX XXXX XXXX XXXX would not accept the documents, that they did not receive the ~ {$500.00} payment, and the amount stands as {$3000.00}. The representative also went on to say XXXX XXXX XXXX XXXX would settle to {$2000.00}. I again opted to dispute the charge. As of XXXX, 2016 XXXX showed that my XXXX report had a " past due '' amount of {$3000.00}.
I have since submitted another letter to National Credit Systems asking to dispute the charge, as well as dispute the charge on my credit reports.
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| 10/29/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I was contacted by phone on XXXX/XXXX/15 by XXXX XXXX with National Credit Systems. She told me that I had a bill from XXXX XXXX that had been turned over to her office for non-payment. I explained that I had moved out of the complex and was not aware of any bill. I requested a copy of the bill be sent to me. XXXX XXXX said she would put it in the mail to me that day and put a hold on the collection account. I received a generic phone message on XXXX/XXXX/15 from XXXX XXXX asking me to call her. I returned her call and left a message. I called again on XXXX/XXXX/15 and got XXXX XXXX, she had no record of our previous conversation. XXXX XXXX said that XXXX XXXX claimed I left over {$1100.00} in damage to the apt . I explained that the apt was left in perfect condition and I had friends who helped me clean it and could confirm the condition. I again requested a copy of the bill, all the charges itemized and photographs of the so called damage. XXXX XXXX said she had a bill with a total and would mail it to me that day but could she get my credit card number and have me make a payment. I told her that I am disputing this bill. She assured me that the account was in dispute and it would not be filed on my credit. I called XXXX XXXX on XXXX/XXXX/15 because I still had not received the bill. She said she would request the bill. I stopped her and asked " What do you mean request the bill? Do n't you have a copy of it? '' XXXX XXXX said that she had requested the bill but never gotten it. XXXX XXXX immediately transferred me to a voice mail box that she claimed was her supervisor. I left a message with my account # and phone #. I was not called back. I left a message on XXXX/XXXX/15 and XXXX/XXXX/15 and have not received a call back or a copy of the bill. I did received a letter from NCS on XXXX/XXXX/15 stating that they were placing this debt on my credit history if I do n't make payment arrangements with them immediately. I filed a complaint with the XXXX on XXXX/XXXX/15. I received a call from XXXX XXXX on XXXX/XXXX/15 in response to my complaint. He said that his office mailed a copy of the bill to me on XXXX/XXXX/15 and he would request another copy be mailed. He was very abrupt and rude. He said my account is still in dispute and nothing will be filed on my credit at this time.
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| 06/26/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received this letter that is attached from National Credit Systems after sending a request for them to validate the alleged debt to them. They claim that they did not receive sufficient information to validate my " dispute '' or more so my debt validation letter. I have provided both my name and my address which should be more than enough for them to locate any file of an alleged debt that they may have in their system. They also stated that they are a third party debt collection agency and their efforts are solely on behalf of the current creditor, who has previously validated the alleged debt. Pursuant to 15 USC 1692g once a consumer notifies a debt collector in writing that they are disputing the alleged debt the debt collector must cease the collection of the alleged debt and obtain verification which should then be mailed to the consumer within 30 days. National Credit Systems has failed to do so. Under 15 USC 1692 a debt collector is defined as ANY person who uses ANY instrumentality of interstate commerce or the mail in any business the principle purpose of which is the collection of any debts, or who regularly collects or attempts to collect. This means that the original creditor that National Credit Systems has claimed they are collecting on behalf of is also a debt collector. TWO DEBT COLLECTORS CAN NOT HOLD THE SAME DEBT, THAT IS AN ACT OF CONSTRUCTIVE FRAUD. So, my question is who owns this alleged debt?
Being that National Credit Systems is the one who is actively trying to collect on this alleged debt clearly means that they were responsible for answering and providing the following : 1. Signed agreement debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector.
2. Was this debt assigned to a debt collector or purchased?
3. Amount that was paid if debt was purchased.
4. Date of original charge or delinquency Since they have failed to provide any of this information and they have clearly missed the 30 day mark that was granted to them for providing this information for this alleged date. As a consumer I am seeking the following remedies : 1. All references to this account be deleted and completely removed from my credit file.
2. A copy of such deletion request be mailed to me immediately
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| 02/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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National Credit Systems Inc placed on my credit that I was high risk for a debt that I was never aware of and a debt that they never made me aware of. I never received any call or any communications even though the XXXX XXXX creditor ( XXXX XXXX XXXX XXXX ) had all of my information ( my email and place of work that they needed for employment verification to even apply for the apartment complex has not changed in the past 3 1/2 years ; I was a resident from XXXX XXXX XXXX ; employed with XXXX since XXXX XXXX ). With that being said, I also never received a debt verification letter. I was only aware of the debt after I tried to apply with a previous residence and they told me I was declined because of the debt in XXXX. Keeping in mind that XXXX XXXX did n't even know who I was initially when contacted by the apartment complex I was applying for rental verification. Afterwards I went to XXXX XXXX to see what the problem was and I meet XXXX XXXX who is the current property manager. She was extremely unhelpful, of course, and before I was introduced she spoke to her assistant in front of me in XXXX ( she did n't realize that I spoke some XXXX ) about my situation. I asked her about the situation in XXXX and she told me that she could n't give me any information. The only information that she gave me was that they had me moving out on XXXX ( mind you the debt collectors reported " my '' debt to the national credit bureaus in XXXX ) and she said " something about carpet. '' She did n't furnish me with a list of infractions or anything, even after I asked her. All she said was that " she deals with this all the time '' and that it was " out of her hands. '' She gave me an email but was hesitant to give me the name of the person to whom I was sending the email to. The only notification I got from the National Credit Systems , Inc was after I disputed it with XXXX in XXXX and the letter states that they have already reported to all XXXX national credit bureaus. Still no debt verification or contact outside of that letter in the form of email, phone call, or even through my job ( I would n't even mind that if it meant paying a debt that I actually owed ). " We urge you contact our office to begin this process and to avoid other collection remedies available under the law. ''
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| 09/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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On XXXX XXXX, XXXX I got a credit alert from my credit monitoring service that there was a change in my credit bureau. I went online and looked at it and saw simply a reference to a collection from a company called National Credit Systems. I had never received a phone call or letter or any other communication from this company.
I called their offices as soon as it opened, inquired about the debt they were collecting on, and realized it was related to an early termination fee from an apartment I was renting in XXXX! I do n't dispute the amount, but I was never billed for the early termination fee and did n't know it was outstanding.
So, I informed the agent that I had never received notice from the apartment company or from the collection agency that anyone was trying to collect. I told him I would pay the debt that day, which I did, if he could ensure that it would be expunged from my credit bureau because I 've never gotten any phone calls or letters from anyone. The agent said " absolutely ''. He suggested that they did n't have any contact information for me even though I kept the same mailing address and phone number before, during and after the time I lived in the apartment. Surely the apartment complex had all that information from my initial application. Even so, a simple google search could have easily found me.
I paid the bill that day and continued to follow up with the company about expunging the collection from my record because they had n't provided any notification or made any effort to notify me about collecting a debt. My bureaus show the credit as paid off, but its still on there as a derogatory, negatively impacting my credit score.
I have no way to contact the prior apartment management as the complex was sold. And my attempts to resolve this with the collection agency have obviously yielded little result.
I believe that a collection agency, as a furnisher of information to the credit bureaus, is required to Inform consumers about negative information which is in the process of or has already been placed on a consumer 's credit report within one month. I received no such notification from the time I vacated the apartment ( XXXX XXXX ) until the time I got the alert from my credit monitoring ( XXXX XXXX )!!!
Thanks for your help.
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| 05/08/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Dates that I have been disputing the charges and balances myself.
XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Speak to XXXX XXXX XXXX National Credit System XXXX she said that was not willing to work with me.
And I also have a collection repair company helping. And they started sending letters to National Credit System on XXXX.
XXXX XXXX which is the original creditor. Misinformed this third-party collection agency National Credit Systems . I'm not sure exactly what was communicated between XXXX XXXX and National Credit Systems when it comes to the balance that I owe. I informed XXXX XXXX that I was moving out on XX/XX/XXXX. As I was moving out the manager XXXX was kind of upset that I was moving out He was giving me a hard time today that I was moving out and from the movers. even though I gave them a 60-day notice the day that I was going to be moving out which is required based on the lease agreement. On the day that I moved out, I gave the least assistant manager the keys to the apartment that was moving out on. So, I don't understand why I am getting charged for the whole month of rent if I didn't stay a whole month based on my agreement of moving out. This is why the National Credit system is charging me more than what I was supposed to be charged with XXXX XXXX already collected by keeping my security deposit. If my rent was {$930.00} a month how did it get to the amount that they're trying to charge and they're trying to charge me for the whole month 's trash, I don't know what the misc charges are and utilities. Where I pay my own utilities, I'm not sure where that's coming from. And on top of that National Credit Systems, I also sent some named XXXX XXXX acct number XXXX address XXXX XXXX XXXX XXXX XXXX GA XXXX along with my mail in my letter envelope had someone else 's collection letter saying that they owe a debt. When I spoke to the collections representative XXXX XXXX XXXX ) and I'll let her know she didn't seem to be bothered and she did not care. And she was not willing to work with me today regarding this collection balance due to me.
I let some codes here. I hope they will help.
15us code 1692 c 15us code 6801-6803 15us code 1681H 15us code 1681i 15us code1681a ( 2 ) ( b ) 15us code 1692 ( c )
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| 09/21/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2013. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
National Credit Systems did not respond or provide requested information when I contacted them via certified mail XXXX XXXX XXXX XXXX XXXX XXXX. They have never notified me of their claim.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 07/27/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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For Several months I have repeatedly reached out to National Credit Systems , Inc. in regards to them reporting false, inaccurate, and misleading information on my credit report. With proof of identity theft I have responded with completion of there fraud package, my police report, sign affidavit of my identity and copies of my identification and social security number. This company has repeatedly failed to adhere to the law and has in fact violated the Federal Fair Credit Reporting Act.
First attempt was made XX/XX/XXXX and I informed the associate that I was a victim of identity theft. He notified me that he would send out a fraud package. I later returned that package within a few days. I followed up with a call and the company verified that they received it. For several months I continued to send correspondence via. mail.
Attempt 2 : XXXX XXXX XX/XX/XXXX : A phone call was placed to National Credit Systems at ( XXXX ) XXXX XXXX. After first being forwarded to a collection agent I was HUNG UP ON! At XXXX XXXX a second phone call was placed and a lady by the name of XXXX forwarded me to a XXXX XXXX who stated that he was a supervisor of the department and that he in fact had no manger above him that i can speak with in regards to the case. A return phone number was provided and Mr. XXXX stated that it would be forwarded. At this time of XX/XX/XXXX no return phone call has still never been made and they continue to break the law.
All calls have been recorded.
Last Attempt was made today XX/XX/XXXX at XXXX XXXX Eastern time to their office and after being hung up on twice after simply saying that I was a customer calling about a debt I then, called for a third time an spoke with XXXX again, who this time forwarded me to XXXX XXXX who then verified again that they did indeed receive all of my correspondents and that I can not talk to anyone in the department to properly get the matter resolved and it could take months longer! It has been over a year that this company continues to report false information on my credit report and has cost me employment wages and opportunities along with emotional stress.
The amount of the inaccurate debt is {$5300.00} and I do not owe this debt or have ever done business with the company that they are referring to.
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| 02/14/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems , Inc in XXXX, GA submitted a collection account from a previous apartment I stayed in while I was filing for ch. XXXX was submitted to my credit a year later. I left XX/XX/XXXX, the collection appeared XXXX of XXXX. My ch XXXX was submitted XXXX of XXXX. I do not know why it did not include the current resident I resided in while filing but the collection account for the apartment was not included. Again, I was staying at this apartment while filing the bankruptcy. I was told by XXXX XXXX, " it was my fault the bankruptcy didn't include the apartment. '' I corrected her and stated it would not be my fault but the lawyers who submitted the information. Maybe he made a mistake or maybe he knows something XXXX XXXX and I don't. The apartment was given notice, I let them know of financial situations changing and that I would have to break the lease 2 months early. The notoriety of the apartment complex is it's own mess but XXXX XXXX, ext XXXX, who claims to be a supervisors, lacks the proper customer service skills and has a bad habit to constantly talk over you and undermine your intelligence how credit and filing collection accounts works. I tried to resolve the issue by requesting a settlement and was given a discount of {$400.00} on a {$2900.00} notice. I'm not stating the accuracy of the collection account is correct nor do I state it belong to me. I was trying to clear up my report since it's tax season and get this debt removed from the credit since its been on there since XX/XX/XXXX. You would think a collection company would prefer settlement and money for an account rather than not get paid at all. As well as the knowledge to know you catch more flies with honey than vinegar. That being said, when I asked her to see if we could come up with a better deal and submit it to her supervisors that's when her tone quickly switched over to the negative state she had. If National Credit Systems would like another chance at coming up with a better " PAID FOR DELETION SETTLEMENT '' I'm willing to handle the account with someone else. This account from my knowledge was suppose to be included in to my bankruptcy, I'm willing to pay on something I was not expecting to have to handle from XXXX but at a lower ethical rate I can afford.
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| 12/04/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I was a resident at XXXX XXXX XXXX XXXX in XXXX Michigan ( owned by XXXX XXXX, at the time ). We moved out at the end of XX/XX/XXXX with all bills paid up, including the return of our deposit minus the final utilities ( water, sewer, trash ).
In XX/XX/XXXX, they added a charge for {$760.00} and reversed the charge the same day. They are saying that I owe the {$760.00}, even though their own records indicate I have a {$0.00} balance.
We never received a bill from XXXX XXXX XXXX XXXX, nor XXXX XXXX. Starting in XX/XX/XXXX, my wife and I both started receiving calls from a debt collection and eventually a law firm attempting to collect the {$760.00}. Each time I was contacted, I told them that we had a good relationship with XXXX XXXX XXXX XXXX and if we owed them money, we wanted to make it right. It took from XXXX until XX/XX/XXXX before the finally sent documentation showing what we owed and that our balance was {$0.00}.
I sent this information to XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX. I could not contact XXXX XXXX by telephone. I sent them a packet with all of the information asking them to intercede ( I have not heard back from them ). I was able to contact National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX. National Credit Systems refused to do anything, even though they were the ones who published derogatory information in both of our credit reports, because the case was in the hands of the law office. Even though I sent the information back to the law offices ( the information they provided to me ), they refused to take any action to correct this whole situation.
I also filed disputes with 2 of the 3 credit bureaus who simply checked with National Credit Systems, who said it was a valid debt even though I had provided them the paperwork showing it was not a valid debt.
To this date, our credit ratings still have the false information and none of the three ( XXXX XXXX, National Credit Systems and the XXXX XXXX XXXX XXXX XXXX XXXX ) have sent me any information acknowledging the mistake, nor have they been willing to discuss the matter when they called me or I called them. I even had one person tell me I should pay the amount requested without any documentation proving I owed anything.
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| 09/04/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I lived in an apartment community in XXXX XXXX for over several years but I had to move out due to my health as I am XXXX and unable to work anymore. They keep telling all 3 credit bureaus that I owe {$1000.00} in which I do not owe. I went down to tell the apartment manager before the rent was ever due that I could no longer stay there because I faced eviction if I stayed. I was only getting around {$700.00} a month through SSDI at the time and the rent was {$650.00} plus utilities. I decided to go down and face the manager head on with my problem. I did not want to wait to tell her that I was no longer working at the XXXX there in XXXXAs you can see from above I would not have been able to stay in this apartment. I did apply for housing assistance but there was like a 3 year wait list already waiting. I moved in with my daughter which I did not want to intrude on her but had no where else to turn or stay at the moment. When I moved out, I took my keys to the manager and they insected the apartment for damage and found none. They just told me to make sure the appliances were clean as they were going to remodel this apartment anyway. They would tear these apartments down to the bare stud walls and start over. I know, I witnessed this as others had moved out. They also kept my {$350.00} deposit that I gave them when I moved out. No worries there as I was sure they would do this. Now this has been turned over to a collection agency in fact all 3 for {$1000.00} that I do not owe. I did what they asked of me. This is discrimination of my XXXX as well I feel. I can not help what happened to me. To be fair I wished I was still in my apartment and working at the XXXX Best job I have ever had in so many ways. When I tried to contact the Collection bureau they are nasty people and told me that they can not talk to me and that my XXXX is no worry for them. Hateful people and what they said I can not put into this letter. It is awful. I want this erroneous info removed immediately as it is keeping me XXXX No collection agency has a right to treat people this way. Do not rent from XXXX XXXX XXXX Apts. This is terrible I need a place to live. I have disputed this info several times to all 3 credit bureaus as it is wrong and keeping me homeless. To no avail.
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| 05/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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My name is XXXX XXXX XXXX XXXX. I am filing this complaint against your company for the fraud you have committed against me. I did not give NATIONAL CREDIT SYSTEMS any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt they claim I owe. NATIONAL CREDIT SYSTENS has also committed aggravated identity theft by sharing my social security number with the credit reporting agencies without my permission. No one can use my social security number but me. It was given to me by the government and no one else can use it without my knowledge or written consent. I am demanding a cease and desist of all illegal activity, any communication of this and any alleged debts until NATIONAL CREDIT SYSTEMS can provide me with sufficient documentary evidence that I gave them written permission ( a signature on a contract is not written permission ) to share my personal information such as my social security number and to report any transactions on my consumer report. If this documentary evidence can not be produced and NATIONAL CREDIT SYSTEMS continues to report transactions between my self, the consumer, and the person making the report, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are herby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
I have filed an identity theft report with the FTC. Per 15 U.S. Code 1681c2 - Block of information resulting from identity theft : ( a ) Block Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any 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 by such agency of Furnishing this alleged debt to my consumer report as a means of coercing me to pay is EXTORTION. COLLECTION OF EXTENTIONS OF CREDIT BY EXTORTIONATE MEANS IS A VIOLATION OF 18 USC 894 AND CARRIES A CRIMINAL LIABILITY OF UP TO 20 YEARS!
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| 09/03/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Our apartment was managed by XXXX in XXXX ga ( XXXX At XXXX XXXX ) I spoke to the office telling them we were buying a hone and would be moving out in XX/XX/2019 thats when our lease was up so we wouldnt renew. The office manager was named XXXX she was fine with this and that was that. Closer to XXXX I spoke to the office and was informed they changed owner ship and that XXXX took all files the lady in the front office said its no problem because we never were late on our rent in the 3 years we lived in this apartment she said to email her a statement saying we would be moving in XXXX so I did. When I went to give them all the info about our move out date XXXX the property manger was rude and said he had no idea about this and that I didnt give them 30 days notice which I did but he was so mean very rude and told me the only way I could move out without being turned over to debt collectors was for me to wave my deposit and to pay for the month of XXXX which was {$1400.00} plus he kept my {$500.00} depot we agreed even XXXX I gave them my notice month ago to XXXX management and felt that it wasnt my problem if they didnt get all the records I couldnt have this on my credit so we just paid the money. We moved out on XX/XX/XXXX and I gave the keys back XXXX even tho I paid for that entire month XXXX said we had to get out we did we had our new hone so that was fine. Months later in XXXX I received a letter saying we still owed {$1200.00} in rent for our last month but this time it said they were going after my XXXX year old son then they sent more letters going after myself and husband. I spoke to XXXX and he said he took care of it but its still on my credit Iv called XXXX office as well and they say the same thing that I paid in full. I even paid XXXX {$50.00} dollars for some paper work that he said would definitely close this case and its still on my credit. I feel this is a scam Iv paid them so much and lost so much I did everything I was supposed to and told todo. Please take this off my credit I was never late on my rent and never was a bad tenant they took my deposit and made me pay for extra month for no reason and now they want more XXXX is the one in charge and I call him every week he still says the account is closed and we owe nothing
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| 01/23/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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My credit report is continuously showing a balance owed to National Credit Systems that is steadily increasing. Original creditor was XXXX XXXX. I did live here in 2012. There were some serious issues with the apartment complex ( mold, my apartment was broken into and robbed, my car was broken into twice and a homemade bomb was placed on a car in front of our building that blew the car up ). The final straw was when my apartment was broken into and robbed, I then proceeded to get a hold of the manager of the leasing company, after multiple attempts, I was finally able to reach her to explain my situation and that I no longer felt comfortable in my own home with my XXXX baby. She stated that I only had 2 months left of my lease so she would agree to let me out of my lease early as long as I was out by the end of that month, as my rent for that month had already been paid. I did as she asked and left the apartment clean before the end of the month, leaving my keys in their drop box. About 3 years later, I tried applying for an apartment complex in my local town who informed me XXXX XXXX reported I owed them $ XXXX- {$6000.00} for breaking my lease. I was never, not one time, contacted by them to have this settled from the beginning, by the time I was aware, it was too much for me to pay, as well as I felt like I wasnt responsible for this as the manager had verbally agreed I could leave with no problems. Now here we are over 6 years later and I can not find anyone to rent to me due to this and National Credit Systems is continuously increasing my balance, which I was informed is illegal. Once a debt is in collections, it should not accrue interest of any kind, is what I was told. My XXXX children and I are facing homelessness purely because of this issue. I currently work for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, with steady income and need housing by the end of February and this is making it extremely hard for me. I have been trying to get this dealt with for so long, on so many different occasions and have gotten no where! The balance is now up to over {$11000.00} and there is no way I can get this taken care of before XXXX, especially considering I shouldnt have owed any money to them in the first place. And, why is it steadily increasing?
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| 09/26/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I have no idea who National Credit Systems is or who they represent. This company entered a collection on my credit report without notifying me or contacting me regarding what this debt was about. I have never had an account with this company or anyone they claim to represent. National Credit Systems is indicating that an account with the account number XXXX was opened with their company in XX/XX/2014. I never opened an account with them or anybody else. This account must be a result of identity theft or someone opening an account in my name using my identity. I have no knowledge of this account nor did I give anyone permission to open an account with my name.
National Credit Systems has not provided requested information. I contacted National Credit Systems via certified mail RR XXXX XXXX XXXX XXXX XXXX and they did not respond.
When a debt collector engages in the collection of DEBT they must provide copies of the following items : 1. Provide a certified copy of the complete credit application that debtor signed to secure the credit with your entity.
2. Provide signed verification of each transaction that is part of the alleged cumulative debt.
3. Provide the contract or other instrument through which [ Alleged Creditor } authorized National Credit Systems as third-party collection agent.
4. Provide a true and correct copy of the instrument by which [ National Credit Systems } was authorized as a mixed-ownership government corporation with authority to hypothecate credit of the United States ( 31 U.S.C. 9101 ).
5. Provide the delegation of authority from the Director of the Office of Management Budget to National Credit Systems, that authorizes your company to settle accounts of the United States ( Public Law 104-316 ).
6. Provide the Certified Assessment Certificate.
Violation ( s ) : * Failure to provide a notice prior to reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide a notice within 30 days after reporting negative information to a credit reporting agency ( CRA ).
* Failure to provide an Opt Out Notice.
* Failure to disclose as required by federal law mandatory information in their Privacy Policy notice.
* Sharing Non Public Information ( NPI ) without providing an Opt Out Notice
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| 05/19/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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We ( My husband and I ) bought a house and closed on the purchase earlier than we anticipated. Notified the property manager where we lived of this development and that we will be terminating the lease in XXXX of XXXX although our lease was supposed to end in XXXX of XXXX. As we can not afford to be paying a mortgage and a rent. They refused to negotiate with us despite several attempts to do so. We were billed an amount of {$7800.00} which lacked no concrete evidence. We still made several attempts to negotiate with them telling them to remove charges that were not ours, so we could pay what we are liable for but they never did. The debt was sold to a credit company called National Credit Sytems, one of their bill collectors called us and told us to just start paying in a rude manner. We took our time to tell her about the charges that were billed to us which lacked no basis, but she stated in her words 'I am not having this ' and cut the call short. Every time I or my husband called her, she made sure to threaten us with that statement ; I am putting this on your credit report in XXXX. I called her at another time and the first few responses from her to me was I am putting this on your credit report.
Please note that we got the notice XX/XX/XXXX of XXXX, wrote XXXX letters to the bill collector who was handling our account at National Credit Systems but never got a response.
Despite that, we went ahead and made payment on the XXXX of XXXX, XXXX so as to show commitment to paying our debt.
Despite showing reasonable cause and intention to pay our debt, it was reported to the credit bureaus causing damage to our credit report.
My husband called the bill collector in charge and asked why our credit report was showing a debt that is currently being resolved, being paid on and the notice is not even up to 90 days as per the FCRA, her response was 'the payment made was too small which is {$50.00}. Plus, your wife was rude to me, and I told you earlier I will report it to the credit reporting bureaus '.
For the life of me, I can not understand why someone would say {$50.00} is too small a payment to be made even when it is advised that one should payment that will not cause undue hardship on your finances and leading you into more debt.
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| 04/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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XXXX Another XXXX I lived in an apartment complex as a minor with a lease expiration near my XXXX birthday. I moved out and got my own place but my family remained in the unit.
It was tax credit and under my uncle 's name so the kids could go finish and not change schools. Initially my mom applied and they told her her income was over the limit. She didnt even complete the application nor sign but they kept her application on file for 4 yrs with her social security number.
When my uncle passed, my mom tried to finish off the lease payments but the new property management changes yearly and they said we had to move out because her income grossed too high.
They went to court and the judge ordered the apts to return my mom 's rent money she had been paying since we were n't able to stay. They were trying to kick us out and keep month 's of rent at $ XXXX.
Out of spite they ran bogus charges like {$100.00} to change a {$10.00} lock for example and many more until it added up to $ XXXX. They posted it to both my credit and mom 's credit history.
I tried the credit bureaus to dispute and it 's been over 2 yrs and its still there. We got no 30-day dispute notification or anything. We found out by another apartment lease application.
I called the original apt office who posted collections and got a new manager and she agreed to have it removed and send a letter to the new apts office but the leasing agent from before was still there and realized i was connected to that experience she had in court and squashed the resolution letter because of personal emotion that the judge sided with my mom in court.
She was mad she had to return all the money and being a stickler for everything she could grab claws to and hadnt even verified the debt like requested but the credit bureau did not follow up like they were supposed to and kept extending them long grace periods for response which the creditor abused the system.
When the lease ended I never signed anything to stay there. I had my own place.
So here it is XXXX3 yrs later and i still have dispute under collections for my credit report. We spoke with other neighbors from the apt XXXX and they had similar experiences with XXXX kicking them out frivolously and posting to their credits.
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| 05/10/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I've been FIGHTING a debt for XXXX XXXX since XXXX. They falsely accused me of leaving my apt A MESS and not returning the keys. I did neither. I don't know how to FIGHT this debt. It's exhausting. So I decided to try with the debt collector ( XXXX ) who bought this bad debt. They won't budge/ won't settle/ are abusive to me on the phone, etc. Again ... it's exhausting. So I paid {$500.00} out of the XXXX they say I owe. I never got a receipt and I never got confirmation that my debt was reduced to approx {$700.00} after that payment. HENCE ... .I 'm being SCAMMED! I'm so sick and tired of this debt being on my credit report!
THEN ... .along comes ANOTHER Credit Company trying to collect on the same debt. I'm like ... '' WTH! Who are these people ''? I called them and they claim they've had this debt since day one. I told them I've NEVER HEARD OF THEM BEFORE IN MY LIFE and I'm working with XXXX. They claim I'm paying the wrong people and they own the loan. NOW I'm XXXX! ( sorry ) I'm NOT giving another dime to either collection company! SEE BELOW! I want this debt erased from my credit report immediately. THIS IS WRONG! I'm trying to buy a house. ENOUGH IS ENOUGH Date Reported : XX/XX/XXXX Collection Agency NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # 30 Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES AFTER RESOLUTION Contact NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Collection Agency XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$1100.00} Amount {$1100.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # # # # # XXXX Creditor Classification RENTAL_OR_LEASING Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX ( XXXX ) XXXX Disputes
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| 02/06/2016 |
Yes |
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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While working in XXXX several years ago I stayed at an apartment complex called " XXXX ''. After fulfilling my lease obligations, I moved back to my home in XXXX were my family stayed during this two year long work assignment. I paid my last lease payment in full, professionally cleaned the apartment and did not think anything else was owed. A month later I went to the apartment complex and turned in my gate pass which I accidentally took with me and took to the day manager, we were friends. At that time there was no information shared on any money owed from my lease and I did n't expect there would be any. I received regular email correspondence from the XXXX complex about social activities and nothing about money owed. Over a year later I started getting collection attempts from National Credits Systems over {$210.00} owed from XXXX XXXX. I called XXXX to find out what was going on but apparently the apartment complex was sold to XXXX XXXX in XXXX and while they had a statement showing {$210.00} was never paid, nobody could answer what some of the charges were far. Nobody was able to help me since they sent the balance due to National Credit Systems. At one point when I was speaking with the collection agency, I identified some items that I may have paid if had known about it but other charges were still not identifiable. I told NCS that I would agree to pay this amount if they would remove the negative remark from my credit score but the agent said she could not. Known of this was my fault yet my credit is penalized for a mistake that the apartment complex made and then correcting this is impossible because it was sold to a residential management business. A consumer should never have to pay for something that they do not owe and to be penalized for this {$210.00} does more to protect business than protect consumers. The burden of proof that all attempts to contact the consumer who is alleged to have not paid for something owed should be on the business. I was not called nor did I get any communication on the amount owed in my email account. I did not leave a forwarding address because I did not want " junk '' mail to follow me home. Too much already. How do I get National Credit Systems to remove this record from my account.
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| 08/06/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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On multiple attempts dating back to XXXX of 2017 I have disputed an unverified account with National Credit Systems , Inc with client account number XXXX and XXXX account number XXXX. Each time this item was disputed with XXXX the collection agency responded with account verified. On or around XX/XX/XXXX/XX/XX/XXXX I called into National Credit Systems , Inc. and spoke with a rep that was unable to locate an account with my social but a similar account with the same or similar name/DOB. The representative would not provide me with any additional information although she gave a completely different name and an address of XXXX XXXX XXXX XXXX in XXXX, GA that I have never lived or been associated with. At that time the rep advised I dispute again with the credit bureau and stated that the account should not be reported on my credit bureau report. Well, on or around XX/XX/17 I received a letter from National Credit Systems , Inc addressed to XXXX XXXX ( not now or ever known by that name ) requesting I complete a Fraud Packet with that name. I declined to complete the form because the name associated with the account is n't mine and I was advised the packet needed to be completed by XXXX whom I do not know. After advising this information to the manager when I called in I was told thats what needed to be done for them to move forward with an investigation. As we all know, this means that National Credit Systems , Inc. have NOT verified or can not verify this account and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if they fail to comply with this Federal Law. I demand the following account be verified or deleted immediately. As mentioned earlier, the name is incorrect, the social they have provided to the the credit bureaus does not belong to me ( which has caused and alias by the name XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX with a social ending in XXXX, XXXX, XXXX, XXXX and XXXX. I have only been issued one social and it does not end with either numbers mentioned and I have not been associated with any name mentioned.
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| 06/10/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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Received a call from a Mrs. XXXX who stated I owed a certain amount for a recent dispute with a former landlord. She said she was collecting a debt, I asked for a fax number as I wanted to validate the amount of the debt as it sounded inflated. She stated NCS doesn't have a fax number, so I asked for a mailing address which she provided me a P O Box. I asked for a mailing address to overnight the dispute but she failed to provide me the proper information so as I may dispute the amount in question. Further, her tactics on the phone were bullying and stalling and placing me on hold without my consent. I am complaining about the tactics being utilized of putting me on hold without asking, taking extended hold times, not providing me the proper information to accurately and confidently request a validation of the debt, not providing me the proper channels to request the validation and to feel comfortable that the information would be provided is accurate. I am not certain if the phone call was recorded or not but it was never explained to me that it was, which I would always forbid and would not take a call that was recorded. I told Mrs. XXXX since there was no fax or mailing address that I would request verbally to have the calls stop but she just stopped talking and put me on hold. I later explained to her that this was something in dispute because the company didn't preform any maintenance that was satisfactorily completed, for the entire time I lived in the apartment, even though I have arthritic knees and needed to have the dishwasher working, it didn't work for over 2 years. She had no interest in helping me validate this debt but just wanted to give me a P.O.Box and no other information when it comes to being able to adequately validate this debt. I would encourage the CFPB to call this company and take a sample of how their operators act and talk on the phone and you will immediately see the bullying tactics being used to try and collect debts that are not being properly validated when in dispute. Further, during the call, no information was provided to me to help me navigate the debt in question, no account numbers, tracking numbers, etc. I have no idea what these people are talking about other than it was XXXX XXXX.
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| 12/10/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On the date of XX/XX/2021 I questioned the Balance : {$1800.00} of obligation that you are endeavoring to gather from me for alleged account # XXXX. Also, I mentioned confirmation of the supposed obligation according to my privileges under the FDCPA. Concerning my confirmation demand under the FDCPA, I mentioned a duplicate of a marked agreement too assuming any security store was held to balance the equilibrium, evidence of mailing of any assertion of charges itemizing the justification behind keeping store assets, and verification of the letter mailing date. Any agreement or understanding sent should be with the first bank and marked by all gatherings to it You have neglected to acquire and send confirmation of the supposed obligation by not mailing me an agreement. Rather than sending me a consented to agreement or arrangement as mentioned, you sent didn't give any reaction Consequently you don't have an agreement with me and I don't approve this obligation. There are additionally state laws that expect you to send me a report by affirmed mail which and should involve the subtleties of the leftover store sum. Moreover, I mentioned that you cut it out all assortment movement, counting credit announcing. That is, I mentioned that you erase all announcing made to any purchaser revealing organizations. You have neglected to address my quite certain legitimate demands and are in clear infringement of the FDCPA. Under the FDCPA, it is unjustifiable or inappropriate to endeavor to gather a supposed obligation in any sum that isn't explicitly approved by an arrangement making the obligation or allowed by law.
Because of the previous, you have caused me extra pressure, disappointment, credit harm, and expenses. You have likewise deferred your chance to agreeably resolve this issue without the need to prosecute. I expect to advance this make a difference to a lawyer or start case against you under the FDCPA. Until you are officially served process, you might resolve my FDCPA guarantees by doing the accompanying : ( 1 ) stop this instant assortment, ( 2 ) erase all of your credit detailing, and ( 3 ) delicate {$1000.00} U.S. The {$1000.00} U.S. should be made payable to the request for XXXX XXXX and got inside 14 days.
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| 09/14/2017 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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National Credit Systems has been calling me at work and harassing me. They claim they can not call my cell phone number - which no one else seems to be having this problem.
A woman named XXXX XXXX called me at the beginning of XX/XX/XXXX stating that I owed my former apartment complex {$700.00} because I terminated my lease early. Fair enough. It is a debt that I owe. I made a payment to them the following Friday. XXXX XXXX asked that they set up an automatic withdraw from my checking account. I told her that I was not comfortable with this and that I would just send them a monthly payment of {$100.00} until the debt is paid. She said that would be fine.
Well today ( XX/XX/XXXX ) XXXX XXXX calls me back ( at work again! ) and tells me that my account will still be reported on my credit because I elected not to have the money automatically debited from my account. I told her AGAIN that I 'm not comfortable with that and that last month it was n't a problem and now suddenly it is? I said " So you 're telling me that even though I am making payments, you 're still going to report this on my credit just because I do n't want to give you my checking account information? '' She said " That 's not what I 'm saying. You 're putting words in my mouth. '' So I said " That is exactly what you just said. '' She continued arguing with me stating that is n't the only reason. I asked what the other reason is and she told me that this had been discussed with me prior. I said " No, you told me last month it was fine for me to make payments on my own. '' Then she just told me that this was their policy.
I do n't think it 's right for them to still report this on my credit when I am making monthly payments just because I do n't want to hand over my checking account information so they can do an automatic debit. The only thing they should be concerned about is whether or not I 'm sending in payments NOT that they have access to my checking account. This company seems fraudulent to me. I have another pending payment going out to them tomorrow. I wish I could stop the payment but it is already in process.
I just do n't see how this is even legal and I really do n't think they should be allowed to call me and harass me at work!
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| 09/24/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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The aforementioned credit collections agency National Credit Systems INC. representing XXXX XXXX apartments has violated the FCRA by not providing documents to me in regards to this debt. ( account number is XXXX in the amount of XXXX ) I am unaware of this debt, I have asked for validation of the debt owed as well as validation of contract and to no avail has the company provided me the necessary information requested in the allotted time. My first initial request for this information was XX/XX/XXXX never received anything pertaining to this debt. this account remained unverified and then on XX/XX/XXXXthe debt was removed from my account. However, upon checking my credit report XX/XX/XXXX I saw that said collection agency had placed collection account back on my credit report without proper notification of doing so I was completely unaware. By law they were to notify me within 5days which they did not! 15 U.S code 1681i-FCRA 611 ( a ) ( 5 ) ( B ) ( ii ) Notice to consumer : If any information that has been deleted from consumers file pursuant to subparagraph ( A ) is reinserted in file, the consumer reporting agency shall notify the consumer of the reinsertion in writing no later than 5 business days after reinsertion or, if authorized by consumer for that purpose, by any other means available to agency.
Again, I reached out to said agency requesting information again and advising them that they were in violation of FCRA on XX/XX/XXXXXX/XX/XXXX the agency then removed the debt from my credit reports, but again without proper notice the account was then reinserted. I filed a complaint with the BBB onXX/XX/XXXX because of this violation ( case # XXXX ) and the company responded back that the account was not able to be located however said account is reflecting on all three credit reports. This account is unverified and immediately needs to be deleted from all credit filesXXXX, XXXX and XXXX.
The business is require to disclose to me all of the documents that they recorded and retained in their files that pertains to this " Debt '' and they failed to do so in the allotted time, National credit System has violated FCRA in more than one way and needs to retract this from my credit file immediately!! Thank you.
|
| 07/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX, GA XXXX Subject : Dispute of Alleged Account Account Number : XXXX Dear National Credit Systems, I am writing to formally dispute the alleged account associated with the account number mentioned above, as per a court order dated XX/XX/2023, which concluded the parties have agreed that the landlord dismisses the monetary claim without prejudice. I do not have a monetary obligation in this matter. The court case was mediated and subsequently closed without prejudice. I received a notice from your agency regarding the collection of a debt, and I believe this to be a violation of the court 's decision.
As stated in the court order, which I have attached for your reference [ A physical copy is on file with your office as well ], the matter at hand was thoroughly examined, and it was determined that I do not owe any monetary obligations related to the alleged account. Therefore, I kindly request that you cease all collection activities immediately and update your records accordingly. To assist you in resolving this matter swiftly, I have enclosed a copy of the court order for your review. It clearly states that the case has been closed without prejudice, emphasizing that I am not liable for any outstanding debts associated with the alleged account. It is imperative that you abide by the court 's decision and discontinue any attempts to collect on this debt.
I expect your full cooperation in this regard. Failure to comply with the court 's order and to cease all collection activities may result in legal action being taken against your agency for violation of the Fair Debt Collection Practices Act. Please provide written confirmation within 30 days of receiving this letter, acknowledging the closure of the case and confirming that all collection efforts related to this account have been terminated.
Additionally, ensure that no further communication or reporting to credit bureaus occurs concerning this disputed debt. I trust that you will handle this matter promptly and with the utmost professionalism. Thank you for your immediate attention and resolution of this dispute.
Respectfully, XXXX XXXX XXXX
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| 12/10/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
At the end of XX/XX/XXXX, I began to experience mold in my apartment. I took pictures of the areas in my apartment that had mold, mold was present in and on the vents and walls. There was also a thick musk smell through out the apartment. I contacted the Leasing office at XXXX at XXXX XXXXXXXX XXXX and let them know I had mold in my apartment and I became ill. The Manager at the leasing office told me that they would send someone out. After a few days past I contacted the leasing office again about the mold because no one had came to my apartment. Again the Manager said she would send someone out to my unit. Someone finally came after XX/XX/XXXX, and replaced the vent covers, however there was still a presence of mold in the apartment and I was still ill. I left the apartment on XX/XX/XXXX and began staying with my friend. I had to pay her {$500.00} to live with her for the remaining of XX/XX/XXXX and {$700.00} for XX/XX/XXXX. I contacted the leasing office at XXXX at XXXX XXXX and informed them that there was still mold in my apartment and the manager told me I could terminate my lease early. She advised me to email them stating I will terminate my lease and state the move out date. On XXXX XXXX I agreed to terminate my lease and submitted an email stating that I was terminating my lease due to mold and my move out date would be XX/XX/XXXX. I did not agree to pay the Ascend at XXXX XXXX anything. They did not provide me an invoice stating I had to pay anything at the time of terminating my lease. I also did not sign documentation stating that I would pay anything. I was in process of finding another place of residence there was no way I could pay for a new residence, pay for my current living situation and pay XXXX at XXXX anything. Also 90 % of my belongs that I removed from the apartment had to be disposed of because there was mold on the items. I had to dispose of a new mattress, clothes, any item that had a penetrating surface. An invoice or notice of payment was never provided to me at the time of terminating my lease. The XXXX XXXX XXXX provided me an invoice of the debt on XX/XX/XXXX. However, they did not provide documentation stating that I agreed to a debt at the time of terminating my lease.
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| 08/30/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/30, I attempted to resolve a debt, {$7400.00}, with National Credit System. When I called, they stated that the calls were recorded, quite clearly. I spoke to a gentleman who said his name was XXXX XXXX. He stated that my debt was {$7400.00}. I then asked if we could compromise for an amount of {$6500.00} and make payments. He refused. He said it would have to be a lump sum payment. I told him that we do not have that type of money. This is a refusal.
He then offered {$4500.00} if it were a lump sum. I again, because he is so special, told him that we do not have that kind of money laying around.
Then Mr. XXXX stated that even if I make payments to them that it does not get reported to the credit beaureaus at all unless its paid in full. Then Mr. XXXX stated that my " Rental Bureau '' report would not show anything of payments unless its paid in full. This is false statements and economic terrorism.
XXXX shows payment history on their site for this particular debt, as does the other bureaus- XXXX , XXXX . This company shows no payments being made for each and every single month since the debt was placed with this company. Economic destruction threats. Statements made by Mr. XXXX.
This company is allowing their employees to coerce and make false and misleading statements to consumers. According to their own intake call messages, all calls are recorded. I attempted to negotiate in good faith. I explained that I could file bankruptcy instead of making an offer. He was not swayed and refused to work with me in any tangible way.
The complaint against this company is that the person, I believe used a false name as it was, made false statements and representations in a bad faith attempt at collecting a debt.
I made a {$20.00} payment to see if I even get a receipt to prove payment. Still have not gotten a receipt, at all, to which Mr. XXXX stated would be received.
Then this company first shows a {$11.00} fee, a " convenience '' fee, to pay by debit card. Then when you run the card, it charges you {$4.00}. Why am I being charged for running a card even?
In closing, this company and its representatives are fraudulent in their statements and can not be trusted to follow the laws as outlined.
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| 01/09/2018 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I have asked these collections agencies on several occasions to provide me with proof that the debts belong to me. I have also asked for XXXX XXXX XXXX and NATIONAL CREDIT SYSTEMS INC to proved me information such as : I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ), that you have on file for the account listed above.
Under the FCRA, unverified, invalid accounts must be removed.
If you are unable to provide the me with a copy of the verifiable/validated proof that you have on file within 30 calendar days from receipt of this notice, for the account listed above then you must at once remove the account from my credit reports. I demand the account be verified or removed immediately!
I have also asked these collections agencies : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for XXXX XXXX XXXX in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
and all I 've received was their letter stating that I owe these debts and some copy of an application and a lease.
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| 06/01/2018 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XX/XX/2018 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX ( XXXX ) XXXX To whom it may concern, At this time, I am writing to you regarding an account listing on my credit reports. This account is NOT mine and when contacting National Credit Systems, I have been treated very poorly. I have requested a copy of a credit application filled out by myself several times, they can not provide one. When asking how they have my social security number I was advised that is none of my business. I have attempted to contact XXXX XXXX XXXX, Manager several times to resolve this issue. I am placed on hold and then transferred to a collector.
I have contacted the apartment complex and spoke with XXXX and she stated that they have nothing to do with XXXX XXXX XXXX, but that if the collection agency would call them she would have this removed from my credit. When speaking with Nation Credit Systems they stated that XXXX XXXX bought out XXXX XXXX and it is not their job to contact the apartments manager.
According to 444.3 Unfair or deceptive cosigner practices I should have been given a separate form to sign notifying me that I was a cosigner and what my rights and responsibilities are.
( c ) To prevent these unfair or deceptive acts or practices, a disclosure, consisting of a separate document that shall contain the following statement and no other, shall be given to the cosigner prior to becoming obligated, which in the case of open end credit shall mean prior to the time that the agreement creating the cosigner 's liability for future charges is executed : I was never given this form and upon requesting this I get transferred from collector to collector asking me to verify my social. I refuse to give my social any longer because I feel this will be their excuse for having it.
I am at this time DEMANDING that this be removed from my credit report as it has been affecting me in a negative manner. I was never a resident and was told by apartment manger that I was being used as a reference, NOT a cosigner. Please see enclosed eviction notice for this property where I was never listed. Please contact me for any further information needed at the above address or phone number.
Thank you, XXXX XXXX XXXX
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| 10/09/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I rented at XXXX XXXXXXXX XXXX XXXX XXXX for one year. I moved out early because the landlord wouldnt fix the boiler and it had been stuck on for months and I made several complaints. I had to sleep with the windows open and the ac on in the winter and would come home to a XXXX degree home. It was now the summer so I moved out early ( in XXXX ), and then paid XXXX rent. My lease was up in XXXX so I decided not to pay it as I believed my deposit would cover the last months rent and had received in writing from the property manager that the apartment was in perfect condition. I did not trust the landlord to send me my deposit in the mail after paying the last months rent because they had not fixed the boiler for 6 months. However, the security deposit did not cover the last month of prorated rent because the landlord cleverly only charged {$500.00} for the deposit and then had other charges to cover the rest when I moved in ( ~ {$170.00} admin fee, application fee, and other misc. fees ).
After not paying last months rent, I never received a single communication from the property manager or landlord. I did not receive a call, text, email, postal mail, etc. On XX/XX/XXXX I received an email from National Credit Systems notifying me of Documents Ive requested, I had never heard of National Credit Systems, not have I requested documents from them. The letter stated I owe {$390.00} and that it was 30 days past due. Additionally, there was no contact info to dispute the charges with XXXX XXXX, National Credit Systems, or the property manager. Someone on behalf of the creditor waited 30 days to notify me so I would be unable to file a proper dispute. I responded to the email and copied XXXX XXXX stating this and that the charges were wrong.
The math used to calculate prorated rent was incorrect and they charged me an additional {$95.00} for turnover cleaning charges, even though the property manager, XXXX, stated it was in perfect condition. I tried calling XXXX XXXX and no one would answer. No one has responded to my email either.
I have prepared a correct calculation of the prorated rent, XXXX XXXX claimed to prorate rent for 25 days, but upon doing the math myself, it was not 25 days.
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| 09/12/2018 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Re : XXXX at XXXX and National Credit Systems , Inc. Complaint Dear Consumer Finance : I am writing to make a complaint against XXXX at XXXX XXXX for failure to rectify and create habitation to unit. For the past few months, I have filed several complaints regarding the conditions in which I was forced to endure inhabitable unit. The landlord had refused to make repairs and rectify nuisance. The law states, Texas tenants can terminate lease or deduct and repair for necessary repairs. The tenant has a reasonable right to enjoy a place. The landlord is obligated to maintain property in suitable condition for the purpose for while it was leased.
Most importantly, After filing 11 complaints from XX/XX/XXXX to XX/XX/2015, in regards to ceiling leaking water overhead in shower while in use, tub does not drain out during shower, shelving is loose/detached, toilet leaks, multiple indoor pest such as centipedes, ants, spiders, roaches, flies and termites, kitchen stove burner sparks and backfires during use, glass sliding living room door blinds chain/ cord/ wand broken when I moved into unit, tiles and paint peeling off shower wall and tub, nonstop leaks, electrical and lighting outlets did not work, refrigerator parts/ access missing/ broken, excessive noise levels originating from unit ( heard overhead in master bedroom ) due to neighbor in upstairs unit arguing and fighting constantly. Ive called police numerous times to report XXXX XXXX and notified the rental management of this issue. As per the rental agreement and the landlord failed to remedy these issues after receiving notification. I had no choice but to submit notice and vacate unit. Due to the ongoing stress and being unable to get proper rest it worsened my history of atrial fibrillation and caused me to make costly emergency room visits.
Furthermore, I dispute the validation of the debt {$2600.00} and firmly believe I do not owe XXXX at XXXX XXXX anything. Due to several violations stipulations of the rental agreement and my right to terminate the lease due to inhabitable conditions and my right to reasonable enjoyable place to live.
Thank you for your prompt action in addressing these concerns.
Sincerely, XXXX XXXX
|
| 07/04/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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XX/XX/XXXX this law was violated 15 U.S. Code 1692j ( a ) States : 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.
On XX/XX/XXXX this law was violated 15 U.S. Code 1692e A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section On XX/XX/XXXX, XX/XX/XXXX this law was violated 15 U.S. Code 1692g ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector On XX/XX/XXXX, XX/XX/XXXX this law was violated 15 U.S. Code 1681i ( A ) In general Subject to subsection ( f ) and except as provided in subsection ( g ), if the completeness or accuracy of any item of information contained in a consumers file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly, or indirectly through a reseller, of such dispute, the agency shall, 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 ).
Several laws have been violated since this debt is not owed ( atttached proof ) On XX/XX/XXXX & XX/XX/XXXX I contacted the creditor via mail asking them to investigate ithe inaccurate debt for {$250.00} and remove from my credit report, and they did not nor have they respond.
XX/XX/XXXX, XXXX I disputed account with all XXXX credit bureau agencies XX/XX/XXXX I disputed with National Credit Systems
|
| 08/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
This place you should stay away from it has some serious safety and building code violations that the city of XXXX should have enforced but did not.
1 ). Roof leaking in the bathroom with water falling on our faces 2 ). Fuse box trips on the 3 prong outlets and sometimes makes noise.
3 ). We endured 6 years of Luke warm or cold water. They replaced the water heater but we still had luke warm water.
4 ). They only have 1 maintenance man to fix things over 250 units.
3 ). Security is non existent We had damage to our vehicle that costed us thousands to repair. I believe the Federal and State Governments should investigate XXXX XXXX XXXXXXXX for Domestic Sponsored Terrorism we found Flour acid and other chemicals in our gas tank found by XXXX filed a complaint with the Attorney General nothing was done.
4 ). We paid XXXX Security and Pet Deposit XXXX and still charged XXXX for cleaning their mold mildew. I think they should pay us for XXXX for the building and safety violations and furniture damage 5 ). The trash has vermin running all over the place mice racoons and other creatures paid double in Trash bill.
6 ). Excessive processing fees to pay rent XXXX XXXX for rent XXXX XXXX for utilities I would urge XXXX XXXX XXXX to get a Criminal Defense attorney for all the evil actions committed.
7 ). We stayed over 6 years in this XXXX hole. Please have XXXX not access my credit reports or personal information do to RICO related crimes.
8 ). Water was brown and have rocks 9 ). Appliances old and outdated and makes noise during the summer asked last year for a new refrigrator and they refused.
10. ) we replaced blinds 5 times at our expense we were still charged.
11 ). Nails placed in our rear tires at XXXX XXXX XXXX XX/XX/2020 and XX/XX/2020.
12 ). The utility Bill had us listed at a wrong address and my wife 's name is not correct 13 ). Fraudlent Utility Bills paid two months eletric bill and we did not live at this place 14 ). ADA act violation Our child has a Recognized XXXX being charged Pet rent and Fees See Federal law 15 ). XXXX XXXX did not accept Certified Return mail during Pandemic virus Health and safety violations forced us to come to them in person??
|
| 09/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
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I have asked for a signed copy of the lease agreement from XXXX XXXX XXXXXXXX, XXXX XXXX and National Credit Systems. All have stated they do not have the original lease. They also do not state the terms of any agreement explaining the charges. I have asked for this information, but all parties have refused to provide the terms of any agreement or how the charges were justified and under what terms outlining the costs they are saying that it is owed for. Under the terms of my original lease, which ended on a different apartment than they are stating I owe for, the terms for how I will be charged for breaking that lease were outlined in my lease agreement which begin in XX/XX/2019. For example, I would be charged an additional month of rent to end my lease early or without notice in apartment XXXX as agreed to by the property management company and I. My original apartment lease was for XX/XX/2019 in apartment XXXX. I chose not to renew this lease. The company is saying I also agreed to be charged for breaking a lease for apartment XXXX and are pursuing charges they say are outlined in a XX/XX/2019 lease agreement for a renewal. I've stated multiple times I had no lease to renew and I asked for them to outline the terms for how fees would be calculated to justify the charges that were agreed to for the XXXX lease they are alledging i have broken and they've refused to do so and have admitted that they have no lease with my name for the apartment they ( XXXX XXXX, XXXX XXXX XXXXXXXX and National Credit Systems ) are stating I owe money for. XXXX XXXX, XXXX XXXX XXXXXXXX Property Manager, has specifically stated she does not have a original lease agreement for XXXX and that the lease is with the previous property management company, XXXX XXXX XXXX. She also admits that she has not seen such lease, but assumed my account should be sent to collections because she thought there was one with my name on it. When I told XXXX I did not have a lease, she told me she will not correct her error. I was also told by XXXX XXXX XXXX management and staff that further attempts to retrieve information from them directly regarding the lease they do not have will be met with a lawsuit.
|
| 06/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
Servicemember |
|
We entered into a rental contractual agreement which ended XX/XX/XXXX. We decided to not continue with the apartment due to various reasons. The keys were surrendered to the manager and the apartment cleaned and in excellent condition. We have pictures and other documentation. We had no access to this apartment after XX/XX/XXXX. All rents and utilities were paid through XX/XX/XXXX. Around XX/XX/XXXX we received a notice regarding a collection account from XXXX XXXX XXXX for XXXX XXXX XXXX XXXX for {$1900.00}. We disputed the debt and filed a complaint with SC Dept of Consumer Affairs, however according to their correspondence on XXXX, no response was received from National Credit Systems.
On or about XX/XX/XXXX we received another notice reflecting the creditor name to XXXX XXXX XXXX XX/XX/XXXXand the balance of {$1200.00}. We are concerned that some type of claim may have been made against XXXX XXXX against the {$500.00} bond we had moving in. Again the property was paid through XX/XX/XXXX and left in excellent condition that can be verified. Also, note we had a refundable security deposit that was never disclosed as to what happened to it and we never received any details as to why the collection account or amount change.
On or about XX/XX/XXXX we mailed a certified letter to National Credit Systems maintaining that we still dispute this debt and initiated a Cease and Desist order indicating until the investigations and reviews are completed. The letter was noted by the US postal tracking system as picked up XX/XX/XXXX at XXXX. Our credit accounts have been dinged by National Credit Systems unreflective of the information in the XX/XX/XXXX notice we received from National Credit Systems on XX/XX/XXXX. Please note they have dinged each credit reporting agency differently from what their notice in XX/XX/XXXX states. We still maintain our position of disputing this and this company has used unfair and unethical practices, in modifying and changing information without notification of changes, information reported to credit bureaus.
According to South Carolina Department of Consumer Affairs letter they did not make any progress with this company responding.
|
| 04/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX NATIONAL CREDIT SYSTEMS of XXXX My boyfriend and i lived in XXXX XXXX and he lost his job as soon as we moved in so i came in to the office to make payment arrangements and cancel the lease so it wouldnt be on our credit reports after living there only XXXX3 months.
The Property Manager then was very disorganized and wanted to have her hands in every affair but she never followed up on anything. I came at LEAST twice weekly after moving out abruptly so they rent it out to the next person to stop the bleeding of future continued payment.
They had new renters in 3 days but the manager would never meet with us to discuss official process but I find they posted to our credit for non-payment.
I CAME IN XXXX and XXXX for resolution but the manager was fired and they werent able to verify the debts as being mine. they even had bogus charge amounts and maintenance left defecation matter in the toilets and they never even fixed problems that existed before we even moved in.
The electrical outlets needed fixed, the kitchen lights, the garbage disposal, floor tile and a couple other things since before we moved in they said they would have fixed before move in but never did.
i even specified countless times for approved entry only when scheduled so someone could be there because we experienced apt staff stealing from tenants ' homes in their absence and they ONLY came when we specifically stated we werent going to be there saying they didnt find no problem and left msintenance slips in inconspicuous places like in the bedroom and closet.
Since going in person in XXXX and XXXX and getting nowhere i filed a dispute with the credit bureau and everytime i gave information and proof they required me to furnish, they extended the creditor 30 new days but me only 10 days and never followed up.
No one ever sent me anything from XXXX XXXX. THats why the credit bureaus say they 'll give them more time to respond. To this day i havent received anything from them.
I came in to the office a few weeks ago and learned there was some kind of process that was supposed to be done that i had never even heard of that was not done.
|
| 06/15/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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National Credit Systems put a file on my husband and my credit report. When I called several years ago when it first appeared the amount the were trying to collect was over XXXX. We knew we did not and had never owed that amount. The issue is we moved and had to break a lease. The owner of property had property management company take us to court for judgement on what was owed. They were awarded around XXXX from the court. Nothing more was to be owed. We began paying the property management company and have a ledger with their letterhead to prove that. I am not sure how or when National Credit Systems became involved but I did receive a letter and called them. When I attempted to give the facts they were hostile, rude, cussing me out and yelling. National Credit Systems has over the past few years changed the DATE on the account, the NAME on the account and the amount owed. We have gotten all credit bureaus to take it off when we send documents to them, but 3 or 4 wks later they put it back on with information changed and we start all over again. As the amount they now show is XXXX it is deeply hurting our credit. There is a judgement for the correct amount and per that court that is ALL WE OWE. THey have been told that and send that information on the judgement. If you look up this National Credit Systems online you will see all the shady things they do by reading reviews. We would like this taken off our credit and something done to this fraudulent company so they no longer bother us. I do not believe it is legal to CHANGE DATE, NAME and AMOUNT to keep sneaking it back on to our credit. We have called them as well and again get cussed at, threatened and they do not see that they are doing anything. Their attitude on phone is we can do what we want.
This is not ok- to put false information on someones credit and then try to bully them into paying. How many people have they scammed that did not know to fight back? Please help. I have documents I can send that show judgement, ledger of payments and all the times they CHANGED the info to get it back on our reports.
National Credit Systems is a fraudulent company scamming people and should be stopped.
|
| 11/06/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I sent a certified letter to national credit systems inc. on XX/XX/2018 the letter demanding the information below ; : Your reference number : National Credit Systems # XXXX To Whom It May Concern : Per the FDCPA I demand validation of any debt you claim I owe your company and demand you provide me with all of the following ; 1. You have purchased or were assigned the debt and provide full chain of assignment.
2. The amount you paid for the debt 3. The full accounting of the transaction history ; every charge, every interest charge and any other charges and fees, and the date ( s ) on which they occurred, for the entire life of the alleged debt.
4. That the debt is not time barred 5. Original Contract between myself and the Original creditor with my signature and an authorized signature from an employee of National Credit Systems, all pages, both sides, or a certified copy 6. Original Contract between myself and National Credit Systems with my signature and an authorized signature from the employee of National Credit Systems, all pages, both sides, or a certified copy.
I do not believe I owe your company anything and dispute I owe your company anything. Pursuant to the FDCPA, you are immediately stop all collection activity and delete ant reference of this alleged debt from my credit report ( s ).
Under no circumstances do I authorized you or give your company consent to furnish any information to my credit report ( s ) nor take any action that would result in an inquiry on my credit report ( s ) from your company.
Provide to me, in writing, the demanded validation information listed above. If you can not provide everything you are to immediately and permanently delete all reference of this account from all of my credit report ( s ) and send me confirmation this has been done.
They responded with a lease that was auto signature Which is not my signature. They did not provide all 6 documentation that I needed. I sent them a fraud packet along with my lease, drivers license and police report and they still stating that its verified without showing any proof that I owe National Credit Statems. I am demanding for this to be deleted right away
|
| 06/15/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
national credit systems sent letters threatening to report accounts unpaid to XXXX, XXXX, and XXXX if I did not pay a supposed debt. I wrote a letter to them explaining that I have no account with them nor was I a customer, nor have I entered into a contract with them, nor was I aware of any debt due to their company. And that I dispute the validity of the debt.
I request verification with the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) : 1 ) Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2 ) What is your authorization of law for your collection of information?
3 ) What is your authorization of law for your collection of this alleged debt?
4 ) Please evidence your authorization to do business in my state.
5 ) Please evidence proof of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.
6 ) Please show proof to establish balances, payments, interest rate disclosures, etc. as alleged in your demand letter.
7 ) Provide the original application with original or electronic signature.
8 ) Provide full payment history from the original creditor.
9 ) Provide the original agreement that shows you legally own and are legally allowed to collect this alleged debt. Must provide original creditors name and address.
I advised that Pursuant to 15 USC 1692g, they have 30 days from receipt of the notice to respond. That their failure to respond, on point, in writing, hand signed, and in a timely manner, would work as a waiver to any and all claims in this matter, and will entitle me to presume that they sent the letter in error and that the matter is closed.
I also demanded that they remove any and all accounts reported to all credit bureaus, and stop any and all collection attempts at once.
I did not receive any response within 30 calendar days, however, the debt has been reported to all 3 credit agencies as a delinquent debt.
Looking at my credit report 90 days later I found that National credit systems had reported a debt of {$4200.00} to XXXX, and XXXX.
|
| 02/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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On Sunday, XX/XX/XXXX I performed my weekly check of my credit report through XXXX ( see latest report attached ). I was unpleasantly surprised to learn that my credit score had dropped 57 points due to a derogatory remark from National Credit Systems for a {$170.00} debt that does not belong to me. I called NCS ( XXXX ) the next day, XX/XX/XXXX @ XXXX XXXX. The operator was unable to find an account with my social, but put me in contact with an agent that was also unable to retrieve any details that matched what I was seeing on the credit report. I figured maybe NCS realized their mistake and the error was corrected. I decided I'd check the credit report again in a week to see if the remark was dropped. Unfortunately, a week later the misplaced debt was still on my credit. I called NCS again on XX/XX/XXXX @ XXXX XXXX and had success with the operator XXXX determining the account number of the debt and also the agent Mrs. XXXX responsible for helping me resolve this issue. I called Mrs. XXXX shortly after @ XXXX XXXX as she was unable to immediately answer the phone after being transferred several times by the operator. Mrs. XXXX response was curt as our call lasted all of 5 mins with several minutes spent with her looking at the account details. She informed me that she would mail me a copy of the lease from XXXX XXXX XXXX XXXX in question and be in contact with the client to confirm I did not live there. The real kicker is this " due diligence '' step would take up to 30 days. That's not to say that this will be off my credit report by that time. My main problem with NCS, which is why I decided to file this complaint, is the debt collector should have done their " due diligence '' before they put someone else 's debt on my credit report not after the damage is already done where now this is unfairly impacting my lending opportunities. Furthermore, the age of this account debt is 6 years 4 months. I have received no notices or contacts from the debt collector or the leasing company before I contacted them after this appeared on my credit report. If this type of practice isn't illegal, it should be since this affects people 's livelihoods.
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| 09/03/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Subject : Dispute Regarding Debt Collection by Unknown Company Dear CFPB, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding a debt collection agency that has been pursuing me for a debt that I have no knowledge of. I believe there may be discrepancies in the contract or signatures associated with this debt, and I am uncertain about the legitimacy of the company involved.
[ NATIONAL CREDIT SYSTEMS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Cash Amount : {$16000.00} ] Despite multiple attempts to seek clarification and validation of this debt, I have not received any concrete evidence or information about the alleged debt 's origin or validity. Furthermore, I have not been able to identify the debt collection agency itself, as they have not provided sufficient contact information.
I understand the importance of addressing legitimate debts and fulfilling my financial responsibilities. However, I am deeply concerned about the lack of transparency and the possibility of fraudulent activity in this matter.
I kindly request that the Consumer Financial Protection Bureau investigate this issue and take appropriate action to ensure that my rights as a consumer are protected. Specifically, I would appreciate your assistance in : * Verifying the legitimacy of the debt collection agency in question.
* Requiring the agency to provide complete and accurate documentation regarding the debt, including any contracts or signatures.
* Ensuring that all communication from the debt collection agency adheres to the Fair Debt Collection Practices Act ( FDCPA ).
I am committed to resolving this matter responsibly, but I need your help in verifying the validity of this debt and the actions of the unidentified collection agency. I look forward to your prompt attention to this issue and request that you keep me informed of any progress made.
Thank you for your time and assistance in this matter. Your efforts to protect consumers like me are greatly appreciated.
Sincerely, XXXX XXXX
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| 05/23/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I pulled my credit report along with using XXXX XXXX, I have sent a letter to the company with no avail. I have not nor have I ever done business with this company.I 'm sure you are aware of the provisions in the Fair Debt Collection Practices Act ( FDCPA ), and I am requesting validation of this debt. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation which is binding on me to pay this debt. I request that you cease contacting me via telephone and all future correspondence be writing. To refresh your memory on what constitutes legal debt validation, I am providing you a list of the required documentation : Complete payment history, the requirement of which has been established via XXXX v XXXX XXXX XXXX XXXX ; XXXX XXXX. XXXX. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the original creditor. Letter of sale or assignment from the original creditor to your company. XXXX XXXX with your client that grants you the authority to collect on this alleged debt. XXXX v. XXXX XXXX Services, XXXX, XXXX XXXX XXXX ( XXXX., XXXX XXXX, XXXX ) - Information relating to the purchase of a bad debt is not proprietary or burdensome. Debtor must phrase their request clearly to obtain : The source of a debt and the amount a bad debt buyer paid for plaintiff 's debt, how amount sought was calculated, where in issue a list of reports to credit bureaus, and documents conferring authority on defendant to collect debt.
Intimate knowledge of the creation of the debt by you, the collection agency.
As I am sure you are well aware, under FDCPA Section 809 ( b ), you are not allowed to pursue collection activity until the debt is validated. You should be made aware that in XXXX XXXX, Plaintiff, vs. XXXX, No. XXXX XXXX UNITED STATES DISTRICT COURT FOR THE DISTRICT OF ARIZONA, XX/XX/XXXX, the courts ruled that reporting a collection account indeed is considered collection activity.While I prefer not to litigate, I will use the courts as needed to enforce my rights under the FDCPA. I look forward to a speedy resolution of this matter.
Sincerely, XXXX XXXX
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| 12/20/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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National Credit Systems , Inc .
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, TX, XXXX, XXXX To XXXX The Office of Registered Agent for National Credit Systems , Inc .
From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX My credit report shows a collection from your agency. I was never notified of this collection. Whats More, I do not believe this debt is accurate. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. Therefore, Please provide me with a copy of all the following : An explanation of what this alleged account is for.
A calculation of this balance, including the complete payment history on this account, so I have proof that the amount is correct.
Documentation that shows I agreed to pay this debt with my signature.
The agreement that grants you the authority to collect on this alleged debt.
A copy of your state license, including license number that give you rights to collect in my state.
You will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector XXXX XXXX passing XXXX 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 the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
National Credit Systems , Inc., has invaded my individual privacy under 15 U.SA 1692 A.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
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| 02/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is long but explains everything This company isn't following the law ( National Credit Systems Inc ) I got illegally evicted from my apartments of 6 years in XXXX of XXXX I knew it was illegal because the management company that is now fired never put it through courts she typed it out and left it at my door and then tried to say " We can talk about it '' and even extended time for me. I moved out with a good reference from the assistance manager still have the letter that says I always paid rent on time and kept my place clean. I moved out of state and the manager who gave me a fake eviction tried to blackmail me for my sister 's address which when I told her I knew what she was doing she stopped all contact and was removed by the owners. Well 3 years later I check my credit report and I see a debt of {$140.00} from the apartment place I never knew about it no one tried to contact me via mail, phone or email. and Indiana tenant law they have 45 days to let me know of charges and what they are for and they didn't do it. So it got sent to National Credit Systems Inc. I called them but when I tried to tell them what happened everyone talked over me and hung up one lady saying " You're going to listen to me! '' No one actually spoke to me like a human until I told them I was recording on my end for my legal safety which I was transferred to customer service but once I told her I was recording as well the lady told me she was on the phone with someone else put me on hold and never came back it went to voicemail. They will not let me explain anything to dispute it or even ask if I can get a copy to see for myself. I'm on a list for an apartment in a safe area for my family and don't want this on my credit please help me. I even tried their website to look up my information and when I clicked to view it my file was blank like it didn't exist and their payment option is completely broken leaving clients no choice to be stuck with this on their file. Also if you look them up there are hundreds of complaints like mine of them doing people wrong. Not providing payment proof and refusing to send any letters about their supposed debt.
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| 05/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XXXX I sent a letter asking for validation for this collection I was responded by the company with some papers from the original creditor I then requested them to validate that I am obligated to pay them as a company they have yet to supply me with the documents that I asked for which was Name on file of alleged debtor : Alleged Account # : Address of file for alleged debtor : Amount of alleged debt : Date this alleged became payable : Date of original charge off or delinquency : Was this debt assigned to a debt collector or purchased? No Yes Amount paid iT debt was purchased : Commission for debt it collection eftorts are successtu : Please attach copies of the following : Agreement with your client that grants COLLECTION COMPANY NAME the authority to collect this allegea debt.
Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pav Debt collector.
Any agreement that bears the signature of Debtor, wherein agreed to pay Creditor.
All statements while this account was open Have any insurance claims been made by any creditor regarding this account? ( ves, No ) Have and judgements been obtained by any creditor regarding this account? ( yes, no ) Please provide me the name and address of the bonding agent for Collection Company Name, in case legal action becomes necessary Date Creditor.
Authorized Signature of Creditor You must return this completed form along with copies of all requested information, assignments, or other transter agreements. which would establish vour rights to collect this alleged debt within 30 calendar days from the date of receipt of this letter. They Have yet to provide a contract showing proof that I am obligated to pay them. I have never signed a contract with NCS and I am asking them to provide proof to me that I am obligated to pay them and that they have rights to take this debt they keep responding with information that isnt the information I am ASKING for I AM NOW asking this account to be deleted off of my credit report within fifteen days and I will suing for 1000 for each inaccuracy that was made upon this account
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| 11/25/2022 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2022 I satisfactorily completed my XXXX lease at the XXXX XXXX XXXX XXXX XXXX XXXX Ga XXXX
1. On XX/XX/2022 I requested cancellation of my Residential utility services Georgia XXXX and notified XXXX XXXX who also manages the XXXX XXXX utility billings.
2. On XX/XX/2022 I received the Final Move Out statement from XXXX XXXX, XXXX at XXXX XXXX Property XXXX.
3. I personally questioned XXXX XXXX in the office regarding the additional {$270.00} payment due. XXXX statement was all Utilities are prorated and this is my final bill.
4. XXXX stated that the final bill due was due of {$270.00} but only payable at the XXXX at XXXX XXXX XXXX.
5. XXXX XXXX provided me copies of my Final Ledger which shows I owed the {$270.00} as of XX/XX/2022. In driving back to GA to speak directly with XXXX XXXX regarding the ledger, I clearly showed that I was being charged an additional {$130.00} for services now totaling ( {$410.00} ) when clearly, I was now longer under any contractual agreement with XXXX at XXXX XXXX from XX/XX/2022, and I do not owe for future nonuse of the apartment or residential services Im being charged for by XXXX XXXX that are listed on the ledger.
6. XXXX XXXX agreed I didn't owe the additional {$130.00}. I had believed he corrected the error as we reviewed the ledger on his computer.
7. XXXX XXXX stated I should wait for the final bill to be sent from XXXX as XXXX would collect the final payment.
8. I moved back to Florida and never received the final bill from XXXX via email nor physical mail per my mail forward request.
9. I reached out to XXXX XXXX for an update with no contact. I reached out to XXXX and was told the final bill payment for {$270.00} was to be paid directly to the XXXX XXXX XXXX XXXX.
9. Payment was sent to the XXXX at XXXX XXXX XXXX via certified Mail in the amount of {$270.00} as final payments owed to XXXX at XXXX XXXX.
10. I do not owe any debt to the XXXX XXXX XXXX, nor do I owe any debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX who has placed this fraudulent amount for {$410.00} as a collection account on my credit reports to attempt to collect on a debt not owed.
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| 04/11/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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XXXX ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX GA XXXX PHONE : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission XXXX XXXX # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX
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| 01/14/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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My mother, XXXX XXXX, who was on the lease, as well entered into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to XXXX XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. This was surprising because my mother was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. According to my mother, she asked him what can she do to prevent from hurting my credit. Mr. XXXX ensured her that if she makes a payment and continues to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though she has NEVER missed a payment and/or never later ( they drafts my account every 2nd of the month ) XXXX XXXX XXXX blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/XXXX, payment on XX/XX/XXXX, they reported me late before XX/XX/XXXX payment was due. She inquired with Mr. XXXX and he acknowledged that she was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. She contacted Mr .
XXXX 's manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/XXXX. It now XX/XX/XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they removed the account from XXXX XXXX 's but continue to report me as " late Payment ''. Which is totally inaccurate. No payments have ever been missed and/or late!!! Several attempts to contact NCS now no longer responds.
|
| 09/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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|
Web |
Servicemember |
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NOT A DUPLICATE COMPLAINT XXXX XXXX XXXX has already conceded that for three years they were damaging the credit of my wife and I even though I had notified them of their mistake on multiple occasions.
They only and finally took action on my account as it relates to the first of four errors I pointed out in my last complaint ; that they can not legally seek two forms of recovery for a single financial harm. To date, they have not even updated their credit reporting to adjust their mistake. This admission of violation of FCRA law carries a {$1000.00} statutory penalty.
In electing the financial penalty based on a failure to provide sixty days notice amounting to roughly {$1600.00}, the total amount they now claim we owe is still three times their actual financial damages. I believe XXXX XXXX re-rented my unit on XXXX, which would make their actual damages roughly {$640.00}. Seeking to collect financial recovery in a contract in excess of actual damages is recognized as a " penalty in contracting '' and is barred by federal law, as I referenced in my previous complaint.
Included in the charges are roughly {$300.00} for alleged physical damages to the property including cleaning and painting the unit. Under Colorado law, the burden of proof for keeping a security deposit against actual damages lies with the landlord, but XXXX XXXX has provided no evidence of any damages. As such, my security deposit was improperly withheld and though I have lost my chance at treble recovery under statute, I am still owed that {$250.00} by law.
The {$500.00} liquidated damages charge is the only legitimate portion of this debt and I have ALWAYS been willing to pay this amount, but XXXX XXXX and their collections agent Nation Credit Systems, INC have insisted on collecting only the inflated false amount.
In a Colorado Court of Law I am legally entitled to {$750.00} from XXXX XXXX XXXX for furnishing an pursuing a false debt, and improperly withholding my security deposit, against the {$500.00} I rightfully owe them. Their admittance of fault in my last complaint and lack of proof of damages shall serve as my evidence.
|
| 09/14/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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We lived in an apartment for XXXX XXXX XXXX XXXX which apt name was XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. In XX/XX/XXXX the complex was sold to XXXX XXXX XXXX. Because of Covid and the fact that DES unemployment had run out, we reached out to the City of XXXX for Emergency Rental Assistance. We moved out of the apt XX/XX/XXXX the date our lease expired. The new management was about to get paid for 3 months rent by City of XXXX but refused to renew our lease. On XXXX XXXX, XXXX the City of XXXX issued a check to XXXX for {$10000.00}. This was for past due rent up until the end of the lease. When we tried to rent a house in XXXX of this year, XXXX, to our surprise we were denied. XXXX XXXX XXXX had placed 2 eviction court judgements in our credit profile. I obtained check info and payment from City of XXXX and found that the XXXX XXXX had got paid. When I contacted them I was told that they had not received a check and that they had no doubt that the check went to XXXX XXXX XXXX. That was not the case. I contacted XXXX XXXX XXXX, spoke with XXXX XXXX and she told me to get a copy of the cashed check and send to her. City of XXXX is unable to give me that copy but they were able to send it to XXXX. XXXX XXXX lawyers were able to vacate and dismiss the judgements. Next thing I learned that now XXXX XXXX has put a derogatory note on my credit and my partner XXXX XXXX credit for non payment in the amount of a bit over $ XXXX. We did not sign a lease with XXXX and we owe them no money. I called the Collection agency and tried to explain this to them but they told me that XXXX XXXX and XXXX have merged and that no, no one has received the payment for rent in XXXX. They would not let me explain to them anymore and cut me off the phone. This has gone too far because the money has been paid. XXXX XXXX has it but they are not willing to inquire in their accounting ledgers. This has damaged us because I have been trying to resolve this issue for some time already and we are having to live with friends, relatives, sometimes hotels because we are unable to rent a home or apartment due to these errors.
|
| 09/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/XXXX furnish my information to a third party without my consent i have request real ink of my signature on any form that allows them to share my information there in violation of my rights. Because a consumer has a right to privacy 15 U.S. Code 1681 ( a ) ( 4 ) and to preserve that privacy consumers the right to Opt Out of third-party sharing, therefore preventing financial institutions from sharing account information and history to consumer reporting agencies 15 U.S. Code 6802 ( a ) ( b ). You're absolutely right, I should provide a case specifically involving liability for reporting information prohibited under FCRA 1681a. One relevant case is : Farren v. RJM Acquisition Funding, LLC, 2005 WL 1799413 ( E.D. Pa. July 26, 2005 ) - The plaintiffs alleged that defendants violated FCRA 1681a ( d ) ( 2 ) ( A ) ( i ) by furnishing inaccurate and impermissible information. - The Court denied the defendants motion to dismiss, finding : Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. - So this case demonstrates that furnishing inaccurate or impermissible information prohibited by 1681a ( d ) ( 2 ) ( A ) ( i ) can provide grounds for liability under the FCRA. Please let me know if this helps provide a relevant case example per your request! I apologize for not citing this applicable precedent initially. The Eastern District of Pennsylvania federal court denied XXXX 's motion to dismiss the claim alleging XXXX violated FCRA 1681a by furnishing prohibited information to credit reporting agencies. In denying the motion to dismiss, the Eastern District of Pennsylvania federal court ruled : " Taking Plaintiffs allegations as true, Defendants violated 1681a ( d ) ( 2 ) ( A ) ( i ) by reporting information that did not meet the statutory definition of a consumer report. By rejecting the motion to dismiss, the Eastern District of Pennsylvania federal court allowed the 1681a claim to proceed against XXXX based on the alleged reporting of prohibited information, even if factually accurate.
|
| 04/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This is an attempt by a former landlord and its Debt Collection Agency to profit from the Covid-19 hardship. After successive phone calls in which I contested the debt, I demanded validation of this debt and the collector sent a letter demanding payment of a " late fee '' of {$3100.00}. The fee purportedly arose from my prior residential tenancy in Philadelphia. Commencing on XX/XX/XXXX, months before the XXXX expiration of my lease, I gave multiple written notices by certified mail, return receipt to my landlord stating that I would not be renewing my lease because I was fired due to Covid-19 layoffs. The landlord signed for my letters. It knew my financial condition. I was unemployed and couldn't afford a lease renewal. Simultaneously, on XX/XX/XXXX, the XXXX XXXX XXXX passed the Emergency Housing Protection Act ( " EHPA '' ) ( Sec 9-809 ) which barred landlords from charging late fees from tenants who experienced financial hardships due to Covid-19. The law covered fees imposed from XX/XX/XXXX to XX/XX/XXXX, overlapping the exact period of my lease. The EHPA rendered any lease provision charging such fees " void '' and " unenforceable ''. My lease expired in XX/XX/XXXX and on XX/XX/XXXX the Landlord demanded payment of the " late fee ''. The Landlord 's managing agent concealed my prior certified letters and unilaterally inserted her own dates to make my notice of termination appear late. The landlord then predicated its " Late Fee '' on the late date imposed by its own agent. I wrote the landlord regarding all of the issues and never heard back. On XX/XX/XXXX, I commenced a mediation before the XXXX. Attorney General. The landlord defaulted and never appeared to adjudicate its claim. Unfortunately, the mediation was voluntary and the landlord evaded a final determination. No further communications occurred over the last six months, until the current debt collector attempted to resurrect this claim. This debt was fraudulently manufactured by this landlord and was explicitly void under the Phila. EHPA, but this Debt Collector is acting oblivious to the underlying illegality and pressing a spurious claim.
|
| 04/14/2021 |
Yes |
- Debt collection
- Medical debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I was contacted by a person named XXXX XXXX from National Credit Systems, stating that I had a debt in their office due to collections. I confirmed my name with her, and I asked what debts she was referring to. She never asked me to confirm any other information such as my date of birth before providing me with medical information. She then proceeded to tell me that I had a debt from Texas XXXX as well as 5 other debts from XX/XX/XXXX XXXX XXXX XXXX, gave me each debt amount, the date of service and the providers name. and the account number for all the accounts. I told her that I needed to see this information in writing and asked her for a letter of validation. she said she would notate the account and request for me to have a statement sent down showing the breakdown of all the charges. I gave her the address and she assured me that she would make sure that this was not going to be reported to my credit until I had a chance to see the letter and verify everything. on XX/XX/XXXX, I got notification that 5 new collections had been reported to XX/XX/XXXX A debt from XX/XX/2016 for XXXX to XXXX XXXX XXXX XXXXXX/XX/XXXX, a {$21.00} debt to XX/XX/XXXX XXXX XXXX XXXX, another debt of {$170.00} to XX/XX/XXXX XXXX XXXX XXXX, a {$25.00} debt to XX/XX/XXXXXXXX XXXX XXXX and a {$24.00} debt to XX/XX/XXXX XXXX XXXX XXXX. I never received any letter in the mail before the dumping this to my credit not even 2 weeks after contacting me. This is a violation of HIPAA regulations as well as the Fair Debt Collection Practices Act. also, National credit Systems continues collection activity on accounts they did not validate within 30 days as specified under Texas Finance Code. Under Texas Finance Code Section 392.202 a debt collection agency has thirty ( 30 ) calendar days to respond to a debt validation request. If they fail to respond to the validation request then they have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. As of XXXX XXXX they are still reporting the account on my credit. Which puts them in violation of various state collection laws.
|
| 04/03/2023 |
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
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|
Web |
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Method of verification Highly Requested Under15 U.S.C. 1681i ( 7 ) Method of verification As a consumer I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure. A consumer reporting agency shall provide to a consumer a description referred to in paragraph 15 usc ( 6 ) ( B ) ( iii ) - a notice that, if requested by the consumer, a description of the procedure used to determine the accuracy and completeness of the information shall be provided to the consumer by the agency, including the business nameand address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher, if reasonably available ; by not later than 15 days after receiving a request from the consumer for that description.
Please send the following information used to validate the validity of the invalidated items below { XXXX XXXX XXXX } Items Highy Requested 1. The name of the original creditor 2. The creditors address and telephone number 3. The persons name they verified the dispute with 4. The Valid documentation used to validate the dispute.
5. Also, the procedures your company have in place to ensure each account is 100 % correct which i doubt.
6. IF YOU CANT PROVE IT YOU MUST REMOVE IT OR PAY 1000 per VIOLATIN YOU ARE COMMITING.
In accordance with FCRA,15 U.S. Code 1681e ( b ) Compliance proceduresI am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. if you fail to comply with this request and send all documentations that prove you seen and were sent valid documentation to say these items are 100 % accurate you will be held liable under15U.S. Code 1681nand15 U.S. Code 1681o Civil liability for negligent noncompliance I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response, I will have no choice but to exercise
|
| 08/27/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Servicemember |
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I terminated a lease with XXXX XXXXXXXX XXXX prior to its expiration in XXXX of XXXX. From the outset, they have ascertained that I owe them an amount slightly over XXXX XXXX dollars, which constitutes in material part both a liquidated damages amount and a penalty for failure to provide sixty-days notice to vacate.
Both of these amounts attempt to recover for the property owner in the event of the tenant 's breach, however, seeking to recover both constitutes a " double recovery for single harm '' which is forbidden under Colorado Court Rule.
Further, a charge of XXXX dollars, when actual damages sustained by my breach are only XXXX and XXXX dollars clearly identifies this contract provision as a penalty, as it has no correlation to actual damages nor does it constitute any accurate speculation at what actual damages may be. Penalties in contracts are federally unenforceable under the Uniform Commerce Code.
Moreover, as of XX/XX/XXXX, the debts in debate here pass Colorado 's three-year statute of limitations on contractual debts. As such, while there may remain legitimate actual damages, the material portion of the stated debt is no longer enforceable in court outside of my previously stated objections.
I have attempted on numerous occasions to argue the validity of this debt with both XXXX XXXX XXXX and their assigned collection agency National Credit Systems. I have exercised the dispute process both internally and with all three major credit monitoring bureaus to no avail. A discussion with senior management at National Credit Systems ended with the suggestion that I seek legal action because they have no intent on validating my claims, and no credit bureau will support me without judgment or court order.
This debt as reported has always been a violation of FCRA and FDCPA regulations against reporting debts that are not legally supported by the organizing document or enforceable by law. I have always been willing to pay the legitimate portion of my debt and would have been willing to do so without creditor intervention, but XXXX XXXX XXXX has never given me that chance.
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| 11/02/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I called twice on Monday, XX/XX/XXXX. The first instance was at XXXX XXXX., in which I was trying to obtain information about the charge for {$430.00} that was opened XX/XX/XXXX. I was told they were hired by the original creditor ( XXXX XXXX XXXX XXXX ), which I know not to be true because they no longer exist as a landlord entity and haven't for a long time ; Also this charge just became active again. I was told they sent letters in the mail as an attempt to contact me, I never received any letter at any address I've updated with the post office. I asked to which address they sent the contact attempts, to which the agent replied " It doesn't matter '', I quickly replied " Of course it does if you say you made attempts to contact me '', to which she finally gave me an address. I asked what I could do to dispute this, she asked if I had any documentation of proof I did not owe payment, to which I replied that she could provide any proof of my liability to pay. She said " We can dispute this back and forth until we're both blue in the face but it won't matter '' and ended up hanging up on me.
I called back five minutes later at XXXXXXXX XXXX., talked to the same lady, and asked if she could provide me with any and all signed documentation of proof of agreement to pay the stated amount of {$430.00}. She replied that she would send it to my email, I provided her with the correct spelling ( although they should have my information on file if they were truly hired by that landlord entity ), but I still have received no information or proof from National Credit Systems. Upon contacting the property she told me they sent the letters to, the current management told me they have never received mail there in my name nor had any documentation to provide as the property itself has been bought out by a completely different landlord entity. Due to the fact this is affecting my credit score, ability to find a home to rent, and ability to apply for loans, I disputed this on XXXX, XXXX, and XXXX as I have been provided with no proof of signed agreement to pay the {$430.00} even after requesting it.
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| 09/02/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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On XX/XX/XXXX I reached out to my then property management company XXXX, a.k.a XXXX XXXX to renew my lease. My family was living in " student housing '' that also rented to no students. Because the previous lease I had was specially written, I trusted the information that the management companies representative gave me. She sent me a lease with just my name on it and told me that my husband was a co-applicant in the system, and encouraged me to sign because they only had 1 4-bedroom unit left for the following year. I did sign believing what she said. I then called her because something didn't sit right with me, because of the property being a rental I did not want my husband or children evicted if something happened to me. While on the phone she said that a guarantor application was being emailed to me, which was a lie because I have access to his email he never received, nor signed anything for a the lease of XXXX. We met with XXXX XXXX on XX/XX/XXXX, who acknowledged that XXXX was incorrect and they were able to issue leases identical to the one we signed for XXXX. All she had to do was contact him and he would have contacted legal. He also acknowledged that my husband would have no rights to the apartment if anything were to happen to me. We were sent to collections for the entire amount of a lease when we never lived there, we were out before XX/XX/XXXX, and that unit was rented out, so they did not lose the full amount of the unit. We did actually drive by and speak to one of the students that lived in that unit. They also sent the 2 different bills to the collection agency and filed the collection as a joint account for the XXXX lease which is was not. I asked for XXXX the area manager to contact me which he didnt. But I do have the XX/XX/XXXX conversation that he admitted that his representative XXXX was wrong and she did lie about the lease to make her sales numbers. XXXX can look over our payment history and see that we always paid our rent on time, and they never had to threaten eviction and we did comply with the term of the lease that was issued and signed correctly.
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| 07/11/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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National Credit System is attempting to collect an invalid debt on behalf of XXXX XXXX XXXX as I am not responsible for the {$1700.00} that they claim I owe them. I was an employee of the XXXX XXXX and was on a month to month lease agreement therefore my rent was automatically taken from my check every time I was paid. When my employment terminated so did my lease and I was allowed 30 days to move from the apartments which I did. After I left employment with them and moved out I never received any letter from the apartments stating that I owed any type of balance so I was under the impression that we were in good standing. On XX/XX/XXXX I reviewed my XXXX credit report and noticed a third party collection from National Credit System on behalf of the apartments stating that I owe {$1700.00}. As I did not recognize the debt, have never been informed about the balance and have no knowledge what it could be for, I then sent a letter requesting debt validation directly to National Credit System on XX/XX/2018. I did not receive a response to my validation request and reviewed my credit report again on XX/XX/2018 and the account was still reflected on my credit profile and was not even updated to reflect that I was disputing the debt. On XX/XX/2018 I sent a dispute letter directly to XXXX stating that I had previously requested debt validation from the agency which they failed to provide within 30 days of my request according to FCRA 611 ( a ) [ 15USC168li ( a ) ] .I also indicated that the agency also failed to update the account to reflect a disputed status. I did not receive a response to my direct dispute with XXXX and on XX/XX/2018 I pulled my credit report again and found that although the account status was updated to reflect that it was in dispute ; I still have not received validation for this account and still do not know what the charges are for. At this time I would like this erroneous entry to be completely removed due to gross negligence from both National Credit System and XXXX in attempting to provide evidence that this debt is valid and accurate and belongs to me.
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| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, TX XXXX XX/XX/2023 Consumer Financial Protection Bureau Subject : Dispute of Credit Reporting Agency Dear Sir/Madam , I am writing to file a formal dispute regarding the information listed on my credit report. I have made previous attempts to resolve the matter directly with XXXX, but have been unsuccessful in reaching a satisfactory resolution.
I want to bring to your attention the following details regarding the dispute : Account Information : Name on Account : XXXX XXXX Account Number : XXXX XXXX Date of Incident : XX/XX/2023 After reviewing my credit profile on XX/XX/2023, I identified a discrepancy with account listed under National Credit Systems and validation was requested as this was and account that I did not recognize. I reviewed my credit report again on XX/XX/2023 and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate this account as correctly belonging to me, nor has my credit report been updated to reflect hat the account is disputed and therefore a second validation letter was sent out on this day. After reviewing credit report again on XX/XX/2023 there have been no update and account is still reflecting on credit report. I do not believe the account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving this account belongs to me and all information is correct.
Enclosed with this letter are copies of relevant documents that support my claim.
I kindly request that the CFPB investigate this matter and take appropriate action to help resolve this dispute. Please keep me informed of any progress or communication with the financial institution regarding my complaint.
Thank you for your attention to this matter. I appreciate your assistance in helping to resolve this dispute.
Sincerely, XXXX XXXX
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| 09/12/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems did not adequately resolve my last complaint. The XXXX XXXX XXXXXXXX XXXX refused to accept a subletter that I had found that met all requirements to " mitigate damages '' to a lease I was claimed to owe money towards, as in, I had found an individual that was willing and prepared to accept all debts claimed by The XXXX XXXX XXXX XXXX. This was following their own mitigation of damages, in which they found an individual to move into the unit I was claimed to have been assigned. Because they mitigated damages to the unit I was claimed to have been assigned to, and because they refused to allow me to mitigate damages on a supposed alternative unit, I have no obligations of payment and the debt is invalid.
To substantiate these claims, please refer to original communications attached.
One series of communications was with an individual named XXXX XXXX, who would have been my roommate in the unit I was claimed to have a lease for. It was only through this individual did I discover that The XXXX at XXXX XXXX had themselves mitigated damages. The XXXX did not communicate this to me at any point beforehand. This affirms that they themselves successfully mitigated damages.
The other series of communications was with an individual named XXXX XXXX. These affirm that I successfully found a subletter to mitigate any damages I would owe towards the supposed alternative unit, that The XXXX at XXXX XXXX refused to share the unit number, and therefore refused to allow me to mitigate damages.
The information I've provided here, including direct evidence that I've worked in good faith with The XXXX at XXXX XXXX to mitigate damages but they refused it, demonstrates that they've acted inappropriately and coercively. It is especially shameful, given I was a poor college student, working 2-3 jobs and donating XXXX XXXX weekly just to make ends meet.
A speedy resolution with the complete removal and total expungement from my credit reports of any collections and derogatory marks stemming from claims made by the XXXX at XXXX XXXX XXXX or National Credit Systems .
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| 03/06/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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After exhausting all measures known to me to get more information and pay a debt that I supposedly owe, the defendant refuses to send photographic information to prove the debt is mine. A debt that was put on my credit without my knowledge and only appeared as I was trying to apply for another apartment a year later. The apartment complex, XXXX XXXX, nor the debt collectors, National Credit Services Inc., tried to reach me at the numerous telephone numbers they had nor sent out correspondences to the other addresses on file they had nor sent out a debt verification letter with an itemized list of charges or notification of my right to dispute the debt before putting it on my credit which is a violation of the FDCPA. I have filled with the CFPB ( XXXX XXXX ) and disputed it with the credit bureaus ( multiple times ; most recently XXXX/XXXX/XXXX ). I believe the reason for this was to try to force me pay for something that I do not owe, abusing their power which in turn makes me look less than an upstanding citizen ; even after numerous demand letters they still wo n't provide actual evidence of their claim. In the meantime, I have been denied car insurance, credit cards, financing for vehicle and apartments ; XXXX of those listed things are things of necessity. Without the apartment, my roommate and I have been homeless. Luckily, we were able to find some people who were able to help, but that does n't excuse the fact that we still need a permanent place of residence and that process was and still is unnecessarily hindered by the other parties. On XXXX XXXX, XXXX, I sent a correspondence to the Law offices of XXXX XXXX XXXX and XXXX ( they are representing National Credit Systems , Inc in this matter ) asking for substantial proof of the debt and as of today ( XXXX/XXXX/XXXX ) I have n't heard anything back from them in the form of the asked evidence or a general correspondence. They still have n't sent me all the information that I asked for in a correspondence I sent in XXXX XXXX ; information that is pertinent to the validation and verification of the supposed owed debt.
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| 06/22/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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National Credit Systems is showing up as a XXXX collection account on my XXXX Credit Report. It was showing on all three of my credit reports but XXXX and XXXX deleted the incorrect information from my reports but this continues to show on my XXXX report. I have disputed this over and over and given all of the information that I have gotten which is not very much. I called National Credit Systems on XX/XX/XXXXat about XXXX while waiting for a doctors appointment spoke to a few people. ended up speaking to Mr. XXXX. He looked every way that he could in his system under my and my wifes social security numbers. He said you are not in our system. Which makes sense because we dont owe any money. We called National Credit Systems again on XX/XX/XXXXand recorded the phone call. They looked up our social security numbers and said you are not in our systems if either of you had ever owed us money you would show up in our system. There is nothing that we can do for you. We disputed with XXXX and they say verified then the next time the added a statement. that is not acceptable. The original creditor listed on the XXXX report is XXXX XXXX in XXXX OH. We did live in those apartments but our lease ended on XX/XX/XXXX. We did not owe them any money when we moved out. In fact they returned our deposit to us. When we called them they said that the company was sold in XXXX and they have no prior records. We applied to get an apartment they told us no because this was on my credit report. National Credit Systems says I dont owe and there is nothing in their system but somehow this was reported to the CRAs. XXXX says verified. We have been fighting to have this incorrect information deleted for over 6 months with no help from National Credit Systems or XXXX. National Credit Systems says they cant help me but from what XXXX Says they reported and verified the collection debt. We have put earnest money down on a house and are scheduled for an appointment with our Mortgage Lender on Friday XX/XX/XXXX at XXXX. And this will affect our getting mortgage and the kind of rates we are offered.
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| 10/15/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Subject : IMMEDIATE Removal of Fraudulent Account from XXXX XXXX XXXX NATLCRSYS , Account # XXXX To Whom It May Concern, I am writing to notify you that National Credit Systems , Inc. is continuing to furnish a fraudulent account on my XXXX Credit Report. On XX/XX/XXXX, I communicated to National Credit Systems , Inc. and all 3 credit reporting agencies that the account appearing on my consumer report as NATLCRSYS, Account # XXXX, opened on XX/XX/XXXX, with a reporting balance of {$2200.00}, was a result of identity theft, and I did not provide written permission or instructions for the identified transactions to be reported on my consumer report.
Pursuant to Section 605B of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-2 ), I formally requested that the fraudulent account be blocked and deleted from my consumer report. In that request, I provided all the necessary documentation required by the FCRA to support my dispute and the removal of the fraudulent account.
Despite my efforts, upon reviewing my most recent XXXX consumer report, I found that the fraudulent account is still being reported. Moreover, National Credit Systems , Inc. has failed to provide me with any documentation to validate this fraudulent debt or any documentation to support their claim that I owe this money pursuant to the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ).
To further clarify, the Fair Debt Collection Practices Act, 1 : USC 1692g Sec 809 ( b ) requires that if the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
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| 04/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is not a Dispute. I am a Victim Of Identity theft. Please do not act in violation of the FCRA 605B, 615 ( f ) and 623 ( a ) ( 6 ). As the consumer, I have done my part in reporting this to all necessary authorities including the FTC and Local Police Dept. My Signature on the FTC report serves as my sworn statement. 1. Violated 15 USC 1692c ( a ) ; Communication without prior consent, expressed permission 2. Violated 15 USC 1692c ( b ) ; Communication without prior consent, expressed permission 3. Violated 15 USC 1692d ; Harass and oppressive use of XXXX about an alleged debt.
4. Violated 15 USC 1692d ( 1 ) ; Attacking my reputation, accusing me of owing an alleged debt to you.
5. Violated 15 USC 1692d ( 2 ) ; Use of obscene or profane language on my report ( saying I owe you a debt ) 6. Violated 15 USC 1692e ; Using false, deceptive or misleading representations 7. Violated 15 USC 1692e ( 2 ) ( A ) ; False representation of the character and amount of the alleged debt 8. Violated 15 USC 1692e ( 2 ) ( B ) ; False representation of any service rendered or compensation 9. Violated 15 USC 1692e ( 8 ) ; Communicating false information 10. Violated 15 USC 1692e ( 9 ) ; Use/distribution of communication with authorization or approval 11. Violated 15 USC 1692e ( 10 ) ; False Representation ( not a party to alleged debt by my consent ) 12. Violated 15 USC 1692e ( 12 ) ; False representation/implication ( innocent purchasers for value ) 13. Violated 15 USC 1692f ; Unfair Practices attempting to collect an alleged debt.
14. Violated 15 USC 1692f ( 1 ) ; Attempting to collect a debt unauthorized by an agreement between parties.
15. Violated 15 USC 1692g ( a ) ( 4 ) Certifiable Validation and Verification of alleged debt ( s ) 16. Violated 15 USC 1692j ( a, b ) ; Furnishing certain deceptive forms. ( You are not a party in the alleged debt ) 17. IDENTITY THEFT ; Obtaining personal identification information without prior consent and creating an account in my name without my knowledge. 18 USC 1028A Aggravated Identity Theft 18. Invasion of Individual and Family Privacy
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| 05/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the XXXX XXXX Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case XXXX, which was paid directly to a XXXX at XXXX XXXX by money order.
Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this.
The attorney of record attempted to garnish the co-signers income, a woman of XXXX years at the time who was on a pension and Social Security, in gross violation of the law and a gross ethical violation under Arizona State Law.
Upon contacting the creditor and demanding my rights to deal directly with them, they refused in violation of my rights.
Upon contacting the collection agency and trying to make payment arrangement with one XXXX XXXX XXXX, on numerous occasions, this was denied and I was informed he would only accept the full amount for the settlement amount.
Upon contacting the collection agency and attempting to pay a [ predetermined collection settlement amount I was informed XXXX of XXXX XXXX had now increased the amount. At this time I was also informed my account had been reported to a secondary agency for renters and a settlements would affect my ability to rent in the future. I was never informed of this.
Upon contacting the collection agency with regards to the entire amount and requesting a breakdown, I was refused and rudely informed by XXXX that he had this file for years and he knew the amounts.
Inasmuch as my mother is also listed on this account, she had her attorney contact XXXX and he subsequently chastised me for having an attorney contact him and was told to deal with him directly.
Upon being told by the XXXX XXXX Justice Court that the second judgement amount had to be paid directly to them, I was informed by XXXX that HE was the one taking all the funds and I was NOT to pay the court.
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| 02/01/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a notice that I owed a debt from national credit systems. The letter stated that I had until XX/XX/XXXX to dispute the debt. I sent a dispute letter via usps to the national credit systems on XX/XX/XXXX. The letter was delivered on XX/XX/XXXX ( I can provide the tracking number if needed ). I have not received any response from the company at all. Today XX/XX/XXXX I received an alert of a new collection on my credit report. I do not know what this debt is for and I have not been granted the proper response from this company. This is completely unacceptable!
Here is a copy of the letter I sent previously : Dear National Credit Systems , Inc : I am responding to your contact about a debt you are trying to collect. You contacted me by mail, on XX/XX/XXXX and identified this alleged debt.
Please supply the information below so that I have all information : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original credi-tor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from.
Provide verification and documentation that there is a valid basis for claiming that I must pay the debt to the current creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I must pay.
The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor.
State the amount of the debt when you obtained it, and when that was.
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| 10/08/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I and my family stayed at the XXXX at XXXX XXXX apartment at XXXX ( currently named as XXXX XXXX at XXXX with address - XXXX XXXX XXXX, XXXX, XXXX ) for around a year until XX/XX/2017. Throughout our stay, there were many maintenance issues and the management did not fix many of them. The reason given was - non-availability of contractors, could not be fixed and they don't want to spend on a unit that they are planning to renovate completely. We repeatedly complained and moved out since it was not bearable. The apartment management agreed for an early release ( 15 days before lease end period ) and the move-out notice clearly states that we are moving out due to maintenance issues.
I have attached the following documents that prove the above-mentioned facts Move-Out-Notice : Clearly stating the apartment management agreeing to allow us to move our earlier than the lease end period since the maintenance issue can not be fixed Signed by XXXX XXXX XXXX representing the apartment management e-mail correspondence with apartment management that mentions the maintenance issues and the fact that they were not fixing.
Move-Out statement : To show that the amount demanded by the apartment management and the collection agency ( NCS ) is not the same.
The apartment management sent a demand notice claiming the unresolved maintenance issues as damages. We responded thru our attorney with the above facts for the demand notice sent by the apartment management. We were ready to pay the utilities bill that was legitimate. However, the apartment management did not respond and transferred our account to collection agency National Credit Systems ( NCS ).
NCS communicated with us and demanded a sum that is more than what was demanded by apartment management ( the apartment management demanded {$1500.00} while NCS demanded {$2300.00} ). NCS did not go the legal route and opted to damage our credit report presumably because of the strong evidence we have against the apartment management. Our effort to negotiate with NCS for a reasonable settlement were not accepted by NCS.
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| 08/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
Older American, Servicemember |
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XXXX XXXX XXXX To : XXXX Thu, XX/XX/XXXX at XXXX XXXX Dear XXXX the account number XXXX XXXX - Client Account number XXXX has been adjusted and a request sent to remove my XXXX XXXX XXXX. I am sending this email because I received a letter from XXXX XXXX Collection Representative XXXX or XXXX explaining that I owe XXXX when I have proof that the adjusted amount is XXXX. XXXX. I don't understand why I am getting a letter with the disputed amount. I have already reached out to XXXX XXXXXXXX XXXX XXXX managers and I was assured that they would handle their mistake.
I am willing to pay what I owe but I need a letter with the new adjusted amount. I want to pay XXXX a month until it's paid off because I am on a limited income and if I can send more than XXXX a month I will. I just need something in writing explaining that NCS has accepted the adjustment because I can't pay on an amount That I know I do not owe. If I am unable to solve this matter I will contact Consumer Financial Protection Bureau in order to get this matter settled. Feel free to email me with an acceptance of the request submitted from XXXX XXXX Apartments located in XXXX XXXXXXXX.
Thank you!
Sincerely, XXXX XXXX XXXX P.S. I have the emails that were sent to me from XXXX XXXXXXXX XXXX concerning this matter. I found this picture online two weeks ago about your company 's business conduct.
XXXX XXXX XXXX XXXX To : XXXX Cc : XXXX XXXX XXXX, XXXX, XXXX Thu, XX/XX/XXXX at XXXX AM Good Morning XXXX XXXX I hope your day is going great! I have attached the updated deposit accounting for previous residents- XXXX XXXX and XXXX XXXX XXXX XXXX is requesting to have XXXX XXXX removed off this debt and is willing to start a payment plan to settle debt. XXXX will need to work with you to have any payment plans approved. You have permission from XXXX XXXX to remove the debt from XXXX XXXX and to work with XXXX on the final debt amount owed allowing this collection account to be resolved.
Should you have any questions or need additional information, please feel free to reach out, XXXX XXXX XXXX XXXX
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| 12/07/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I applied for an apartment at XXXX XXXX on XXXX there was an app fee of XXXX dollars for me and an app fee for XXXX dollars for XXXX XXXX XXXX this was paid with a check for XXXX dollars. see attached.
XXXX XXXX asked for a check for a deposit of XXXX dollars that would only be cashed if I was approved for the apartment.
Per there application they had 10 days to deny or approve the apartment. They denied, then on XX/XX/2020 XXXX XXXX days after I applied they attempted to cash this check. It is clear this was set aside for deposit and instead of mailing the check back or destroying it they had misplaced it, found it, did not know what it was for and just cashed it. but this check was declined at this point. Please keep in mind the cashed and cleared the XXXX dollar check for the two app fees on XX/XX/2020.
I have tried to call them and ask them for an itemized bill numerous times. i have attempted to email them as well. If I am missing something and I owe them XXXX dollars I would like to know why and what for. the refuse to provide that for me.
to make matters more difficult the collection agency or there company has been sending the bill to the wrong name. the have been trying to bill my XXXX year old daughter and there fore i was just recently made aware that this is on my credit report.
ive asked them to provide a itemized bill and they have not done so. ive asked them to take it off my credit report because i do not owe that money and never have. i have also never received a bill from this.
I have done everything possible to resolve this situation and would have no problem paying XXXX dollars if I owe XXXX dollars. but as of yet i fail to see where they could believe i owe them money. if so all I am asking for is documentation and I will pay it. but given that they have refused to provide that and that they have been attempting to bill my daughter I have asked this be removed from my credit report.
I would suspect XXXX XXXX has a tendency to operate like this and most people give in and just pay because it is such a small amount of money.
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| 07/15/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Furthermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE
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| 10/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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i signed a year lease with XXXX property management company i began having issues with the house i lived in i advised the rental company several times of the issues. 1st issue was the basement flooded do to a crack in the foundation of the house the property management company had several companies come out to get estimates to repair but no repair was done in a timely fashion the basement ended up flooding causing damage to my belongings i filed a insurance claim through my renters insurance they denied claim stating that flood damage was not covered but owners could possibly have coverage for that. I then contacted XXXX and informed them sent then denial from renters insurance and pictures of damaged items totaling around XXXX dollars. They then had maintenance come out in cheaply repair the wall. this happen in XXXX XXXX my second issue was the air conditioning unit going out in them not repairing it for over a month i have XXXX children that were in the house with me when temperature got almost 100 degrees outside. my 3rd issue was the mold growing in the basement where they were notified by the health department to make repairs within 30 days in they failed to do so. they company is trying to collect over XXXX dollars in back rent they say is owed to them but took my deposit were there is no where in the lease that says my deposit will be fortified for unpaid rent they should have applied it to the unpaid rent they say was owed. I then in XX/XX/XXXX get a call from a collection agency called national credit systems demanding money and being very rude and unprofessional every time they called i informed them of me having a attorney because a rent escrow case was filed before our lease was up and they still continued to call and advise me of debt owed. i need this debt to be removed from my credit and also the joint persons credit that is on the lease with me. i have tried to reach out to XXXX plenty of times and they are always given me the run around about why i was charged for XXXX rent when the lease ended XX/XX/XXXX and we moved out before XX/XX/XXXX.
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| 04/13/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2019, I received notice of a collection filed against me by National Credit Systems for unpaid rent at XXXX XXXX apartments. I immediately started a dispute with XXXX the same day.
On XX/XX/XXXX, I contacted National Credit Systems and spoke to XXXX XXXX the agent on the account. I was informed that a dispute packet would be sent via mail to my address. While waiting for the packet, I filed both a FTC report and a police report in preparation for completing the packet.
After nearly two weeks, no packet arrived, so I went ahead and sent in a copy of my FTC report, police report, and a copy of my drivers license to both XXXX and National Credit Systems with a letter informing both parties that I had never lived outside of Texas and wished to dispute the collection.
On XX/XX/XXXX, I received notice from XXXX that the dispute was resolved and was informed that National Credit Systems denied my dispute and claimed the information was accurate.
On XX/XX/XXXX, I called XXXX XXXX at National Credit Systems again to attempt to figure out why the dispute was denied and was told that they would not process my documents because I did not complete the packet. When I told her the packet had not arrived, she told me that I could find it online at identitytheft.gov. When I could not locate the packet on the website, I called the FTC help desk and was told that the packet did not exist, that the only thing I could do on the website was file a FTC report, and that I should call National Credit Systems back and ask to speak to a supervisor.
When I called National Credit Systems back to talk to XXXX XXXX again, I was told that she had already made special accommodations for me by giving me the website information, that I just couldnt find the packet ( despite my telling her that the FTC help desk said it didnt exist ), and was finally forwarded to her supervisor where I left my name and number after my call was not picked up.
As of today, XX/XX/XXXX, my call still has not been returned and this collection is still on my credit report despite all this.
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| 12/02/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Hello Beginning XXXX XXXX I disputed an amount on my credit report that was not owed. The attorney continued to call and Harass me about this amount of {$2100.00}. I explained I did not owe that amount. They refused to listen to me.
Now the credit bureaus job was to gain evidence that the amount was inaccurate or correct. They continued to report that it was correct without even doing their job. Therefore this was to be deleted from my account within 30 days. I disputed 6x for an entire 8 months and no one listened to me. The Fair Credit Reporting Act states to verify and/or DELETE these inaccuracies within 30 days. They failed to do so. Why are they allowed to continue to keep this on my report inaccurate for 3 years? I want this deleted. I noticed recently that the price was changed, even after XXXX sent me a letter stating Paid in full, XXXX balance.
I 'm unsure why this amount is changed after almost 4 years. I called the National Credit Systems and they refused to delete it still. This is unjust to the laws that were put in place to protect the consumer. The new amount of {$620.00} on my report should be deleted and obsolete.
I have been unable to secure a safe apartment for my children due to this inaccuracy that I reported in XXXX to all 3 bureaus MULTIPLE times for 8 months. Broken leases are not considered under any circumstances.
This has gone on longer than the 30 day requirement to wait for an answer. 8 months longer.
I want this deleted from my report as that was suppose to be done in XXXX XXXX after the inaccuracies were not investigated properly or deleted in a timely manner.
How many people are being overcharged inaccurate fees that were not correct from the beginning? How many Americans are suffering with inaccurate debt placed on them due to a company mistake? I am not the only one. This should be stopped and the proper authorities should step in and give proper penalties to the bureaus and creditors for not following the Fair Credit Reporting Act accurately. Is n't that way it was written?
Thank you for your time and help.
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| 04/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Older American, Servicemember |
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I lived in the same apartment from XX/XX/XXXX to XX/XX/XXXX. It was called the XXXX XXXX XXXX from XX/XX/XXXX-XX/XX/XXXX. In XX/XX/XXXX it was purchased by another company. All of my rent payments were made on time, and I owed nothing to the XXXX.
In XX/XX/XXXX, I discovered that a collection agency ( National Credit Systems ) had put on my credit reports that I owed the XXXX XXXX XXXX {$6600.00}. As soon as I discovered this entry, I attempted to contact National Credit Systems, however my phone calls went unanswered, as did my emails. A certified, return-receipt letter was returned as refused. I have been unable to get information from them about this " supposed '' debt.
The company that took over the XXXX XXXX XXXX, known as XXXX, attempted to double-bill me for rent on four occasions ( in XX/XX/XXXX - XX/XX/XXXX ). Each time I presented a cancelled check, and was told " there must have been a mistake. '' [ Side note : dozens of other tenants at the apartment complex also complained of being double-billed. ] XXXX ledger, which I asked be provided to me, shows my rent payment being credited to another tenant on one occasion. On 12 other occasions the ledger shows my rent paid on time, yet being charged up to {$250.00} in late fees per month, of which I was never informed ( this over the period of more than a year ).
I have never been informed that I owed money - late fees or otherwise - or I would have approached the property management and have it straightened out immediately.
In XX/XX/XXXX I was told by XXXX that the dispute of the information from National Credit Systems Inc had been completed, and that this information had been deleted from my Credit Report. In XX/XX/XXXX, while applying for credit, I was informed that my Credit Report had a large negative item on it. I requested and received a Credit Report from XXXX, and discovered that the information from National Credit Systems Inc had been added back into my account, and dated as being reported on XX/XX/XXXX.
National Credit Systems has never made any attempt to contact me.
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| 03/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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On XX/XX/XXXX I was made aware of an adverse collection on my XXXX credit report as I sought unrelated credit. The item purported to show {$2400.00} due to National Credit Systems.
After researching, I determined that collection originated from an apartment building in XXXX, Maryland owned by XXXX XXXX ( the Residences at XXXX XXXX XXXX ), which I had moved out of in XXXX of XXXX. I contacted the apartment building on XX/XX/XXXX to dispute the charge, as I had no record of an outstanding bill and, in fact, had a record showing fully paid at the time of moveout, except for a minor utility bill of {$45.00} that was customarily paid later ( which occurred ). The building management informed me that the property had been sold and that it had no records from that time. It then advised me to contact XXXX XXXX directly.
Also, on XX/XX/XXXX, I contacted XXXX XXXX to dispute the charge. I provided the statement from XX/XX/XXXX that showed full payment, except for a {$45.00} utility bill. Capital properties responded that the amount had been sent to collections and that I should pay the collection agency. It further stated that almost all of the charge was to replace carpet.
Capital properties provided no evidence that the carpets were in fact damaged, let alone damaged because of my tenancy. That is because the carpets were in good condition when I left. In addition, I can attest that from XX/XX/XXXX to now that I am not aware of any attempts by Capital Properties ( or National Credit Systems for that matter ) to contact me about the supposed charges and the reason for the charges. They have also made no attempt to provide any evidence of actual harm to the apartment or that connects the damage to my tenancy. In fact, I only found out about the delinquent item because of an unrelated credit pull on my records.
Finally, on XX/XX/XXXX, I received a letter from XXXX that indicates that it completed its investigation into my dispute, and it found the credit item as accurate. It did not appear to provide any evidence to support that finding.
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| 11/22/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The apartments where I was living sold itself XXXX times while I was there for XXXX years or so. They were poorly ran after the sales, so I decided to move. I gave proper notice and spoke with the front office associates ( manager and leasing agent ) to ensure that everything was good, and that my departing cost were settled. they informed me that it was fine, and that the pre-move out inspection was completed and approved, with no additional charges. Once I loved, I then received a letter stating additional charges for rent and replacing carpet. I had been there for almost over XXXX years and they said that they expect carpet to stay looking new for 5-6 years or it will be charged to the resident upon their move out ( not informed of this on the pre-move out inspection ). In addition, I was charged for a couple of bags of trash left on the balcony, but on the weekend I was moving, the only trash compactor in the complex was overflowing to the point where it was all in the street. ( a regular occurrence on this property, and I took pictures ). I contact their headquarters and leasing office, yet I received no help. I was treated extremely disrespectful, and told " it is what it is ''. I explained that if they pulled my file that I was never later or delinquent on any rent payments and never had any issues while living there. I informed them that I even had a months deposit that I was entitled to, but they had no record ( since they changed owners and staff like most change their underwear ). I was willing to accept the lost of my deposit if the " bogus '' charges were waved ( even offering to pay for the XXXX bags of trash left ), but they had no interest in this solution. I am attempting to rent a home soon and my realistate agent stated that this would be something that could cause a denied application for rental or an extremely high deposit. I am looking for some resolve, since this is something that has further financial implication to myself and my family. Please let me know if there is anything else you need from me. Thank you.
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| 04/02/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
|
XX/XX/XXXX, I terminated my lease 2 months early with XXXX XXXX in XXXX, TX. I followed all of the rules in the contracts, and addendum, regarding early termination.
In XX/XX/XXXX I received a letter from XXXX XXXX XXXX that they were trying to collect a debt of {$1300.00}. XXXX was charging me for a deposit due to early termination. I called and sent a letter requesting that they validate the debt. Their response was a copy of my lease with a letter that stated 'it was validated '. From there, I replied with a letter outlining the specifics of the lease and provided them with a copy of these and the early termination addendum asking them to correct the outstanding amount and validate the debt again. We went back and forth for two months. I had little success and their verbal response was to get a lawyer.
Because the leasing company and debt collection agency were rude, not compliant and not providing an adequate response, I filed a complaint to the XXXX on XXXX.
On XX/XX/XXXX I received a derogatory remark for {$1300.00} ( my balance was still being disputed with XXXX and National Credit Services ).
On XXXX XXXX, I received a letter from XXXX that my balance was corrected to {$200.00} When I contacted XXXX and XXXX on XX/XX/XXXX regarding the derogatory remark on my credit, they would not remove the remark from my credit report. Instead, they would show the balance as paid. National Credit Services and XXXX realty did not provide me with XXXX from the date the debt was validated to pay may balance before affecting my credit. The debt was not truly validated until XXXX which should allow me to pay the debt off by XX/XX/XXXX.
When contacting XXXX and NCS regarding the above, they lack professionalism by hanging up with me, bullying me by talking over or saying they will disconnect the call if I 'm not calling to make a payment, and telling me that there is no way for this to be removed from my credit report. I have made many efforts and walked them through the process but have been unsuccessful with finding a resolution.
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| 03/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I was contacted by National Credit Systems about a debt that was owed from an apartment I lived at close to a year ago. They stated there were damages that would need to be paid for. I agreed to pay for part of the damages, but they mentioned the microwave was broken, which would not have involved me since I never used to the microwave out of my time of over a year of living at the apartment. I filed a dispute with them and followed up later. They stated that the apartment has not responded and would have two weeks to respond to the dispute or they would drop the microwave case and I would just owe the rest of the debt. I called two weeks later and the woman handling my case stated that since I never submitted proof that I was not the cause of that particular damage I would still have to pay. When I brought up that I had been told previously that the debt would be dropped in two weeks if they did not hear from the apartment they said that was not the case and there is no time limit for the apartment complex to respond to a dispute. This makes no sense as then every dispute ever made could be won by not responding. When I asked her directly about what she had told me the week before she did not answer and transferred me to her supervisor. The supervisor would interrupt me mid question and not let me get a word in. I was not able to ask any of the questions I had for him regarding my case as he would just interrupt me. I also wanted to ask him if I would be able to get an extension on my time to prove that I did not break the microwave since I was not looking for any previous evidence because I was told that I did not need to as the case would be dropped if the apartment did not respond. The woman handling my cases ' name was either Heal or Heel and her supervisor was XXXX XXXX. Eventually XXXX became angry and hung up the phone on me. I recorded the most recent phone call if the evidence is required of me. It was disappointing to not get any answers to my questions and to be talked down to and responded to so aggressively.
|
| 05/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was living in an apartment at XXXX XXXX and was forced to find a new place to live because of an overgrowth of mold. XXXX XXXX would not treat or remove the mold and it was affecting my health. XXXX XXXX reported a collection account on my credit report, so I hired an attorney and proceeded with litigation in XXXX of XXXX, resulting in a financial settlement of {$2500.00} from XXXX XXXX to myself. In addition, it was ordered to remove any collection account notifications from my credit report. It is now XXXX and the collection accounts are still reporting on my credit report. I have sent disputes to Nation Credit Systems, XXXX, XXXX and XXXX and included copies of my records from the settlement, including the owner and manager 's signatures. Since those disputes were submitted, instead of removing the accounts from my report ( as court ordered ) ; on XX/XX/XXXX the accounts were reported to be " verified '' with National Credit System and have been updated from an 'open ' status to a 'closed ' status.
In addition, XXXX is now reporting the account TWICE with completely different balances, again reporting the information was " verified '' with National Credit System I have already gone through court for this account, I have sent the results of the settlement to National Credit Systems, XXXX, XXXX and XXXX. They are court ordered to remove the accounts, but now they are damaging my credit even more? It has caused me to be denied by mortgage lenders and is preventing me from obtaining further credit, I really do not understand how or why they are not only refusing to abide by the lawsuit settlement, but now they are making it worse. It almost seems like it's intentional? I did not have any issue in pursuing litigation with XXXX XXXX after they began to damage my credit, I will not hesitate to pursue litigation with National Credit Systems, XXXX, XXXX, and XXXX. I do not understand how National Credit Systems has " verified '' the information as the bureaus have reported? And now they are damaging my credit even more?
|
| 02/27/2023 |
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
|
|
Web |
|
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In XX/XX/XXXX two separate accounts for the same debt of {$100.00} from my previous rental location with XXXX XXXX XXXX appeared on my XXXX, XXXX and XXXX reports under two different debt collection agencies. One, under XXXX XXXX XXXX which has now been removed as it was correctly updated to reflect that the debt had been paid as of XX/XX/XXXX ; and the other under NATIONAL CREDIT SYSTEMS which is still present on my credit files as unpaid.
I have submitted disputes with XXXX starting XX/XX/XXXX, then on XX/XX/XXXX, again on XX/XX/XXXX, and most recently XX/XX/XXXX. Each time XXXX denied my dispute claiming that the information was accurate, and in some instances of their investigation, they did not take the full 30 days to come to that conclusion nor did they reach out to me to receive the documents of my proof to make a full and correct assertion to that claim.
I have emailed NATIONAL CREDIT SYSTEMS twice as it relates to this, and have not received any communication back from them either time. I've called them and was told to email them with my proof which is exactly what I did, but they have yet to respond or remove the fraudulent debt reporting from my records either.
Under 807 ( 2 ) ( A ) False or misleading representations, a debt collector may not use any false, deceptive, or misleading representation as it pertains to the character, amount, or legal status of any debt. And I am aware that under 813 Civil liability, any debt collector who fails to comply with any provision of the US Code with respect to any person is liable to such person in an amount equal to the sum of any damage sustained, which, in my case, I can show that this has hindered my application for auto leasing, as well as hindering my ability to obtain credit, and small loans since this is the only present collections on record aside from my student loans.
This has also caused a great deal of emotional distress as I have been faced with denials that are highly based on the fact that I have this reported collection. ( XXXX v. XXXX, XXXX )
|
| 06/15/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had a balance with an apartment complex which was forwarded to National Credit Systems. National Credit Systems offered me a settlement on the amount. They told me that if I were to take the settlement and pay in full they would consider the debt paid and remove themselves from my credit report. I agreed to the settlement amount and promptly made payment . National Credit Systems then was prompt in reporting the debt as paid. However they continue to report on the account. Consequently, the account remained on my credit report, causing me extreme difficulties in finding a place to live. Because, even though the account shows as paid, the fact that it is there at all is a major negative mark. I knew this when going into the deal, and made sure to ask the person I dealt with whether it would truly be removed or not. She assured me it would. I asked for this in writing, and they refused to give anything in writing. I could take the settlement then and there, or they would step up activities, which at that point had included harassing my parents, and my friends. So I took the settlement.had I known it would not be removed, i never would have settled, because there would have been little point in doing so. Now, they have their money, and I am in the same position as I was before I paid them. I 've gained nothing, and I can not find an apartment that will approve me in XXXX , which is a competitive city to find housing in. I am livid with the betrayal of this organization. I paid them in good faith, and they stabbed me in the back. I desperately need this to be resolved. I have attempted talking to them, disputing the account, all to avail. The credit bureaus will not help me. I have a perfect rental history except for this, and I was lied to and deceived, tempted by this representative to take an easy way out, and now, because of that ... i 'm screwed. Please, I 'm begging you, i need to have this resolved so I can continue with my life. As of now, I 'm just treading water.
|
| 09/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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In XXXX of XXXX I began receiving phone calls from a debt collection agency regarding a debt that they claim I owe. I explained to this company I have no idea of what they were talking about and I ended the call. They called 4 more times that day. That last call I was told by XXXX XXXX that they will make my life miserable by sending it to the credit bureaus and that it will be a negative mark on my report. They continued to call several days after that, I did not answer. I then began receiving letters in the mail regarding this debt for XXXX. On XX/XX/XXXX I sent them a letter requesting a validation letter.They then respond with the same exact letter with no changes nd again not a validation letter. XX/XX/XXXX I again send the collection agency a letter still asking for validation of this debt. Unfortunately the company sends me a letter wanting to settle the debt for half of the amount and still no validation letter. I send 3 more letters after that and and nothing. The last letter I send I then let them know that I am quite aware that if they do not respond with the validation letter they would need to take it down. Again another letter now telling me they will hold off until I receive my taxes. In between the times I am disputing this with XXXX who keeps telling me its a valid debt but we cant tell me how they verified it to know that its a valid debt. I have now disputed it with them 4x. This is a copy of the letter I've sent this company.
National Credit System , Inc CrediXXXX file XX/XX/XXXX To XXXX XXXX XXXX. I am XXXX XXXX and I am writing this letter to request more information regarding this debt.
( 1 ) I need a copy of the original contract with my signature for the debt.
( 2 ) I need a full payment history from the original creditor as well as the name and address from the original creditor.
( 3 ) I need proof that you now own or have been assigned the debt to collect from the creditor.
( 4 ) I need a copy of the original debt meaning the amount when you purchased the debt.
Sincerely
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| 10/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Yesterday ( XX/XX/18 ), my son and I both received phone calls from National Credit Systems , Inc saying that we needed to call immediately regarding an account for my son. He and I called together right away and my son gave them permission to speak to me since he is XXXX years old. We were told that they had just taken over an account for an outstanding balance from when my son moved out of his apartment in XXXX, Florida in XX/XX/2018. We were told that the full amount of {$2500.00} had to be paid that day and that if it wasnt my sons credit would be negatively affected. After some conversation with the rep ( XXXX ) from National Credit Systems, my son and I both thought we heard her say that the account could be settled for {$1300.00} if I paid right then, so I gave her my credit card information. When she came back on the line to confirm, she told me that she had charged my card for {$1900.00}. However the miscommunication happened, that was not the amount I thought I was agreeing to so I told her to please void the transaction. First she told me they were not able to do that. When I insisted, she transferred me to her supervisor ( XXXX ) who said that he could void the transaction, but if the account was not paid in full that day that my sons credit would be negatively impacted. When I asked about payment arrangements, he said that he would not authorize any payments on this account since I was making him void the credit card charge and that my sons credit was going to be negatively impacted by this. My son called back today ( XX/XX/18 ) to try to work out a payment plan and was again told that payment in full was required and that he was going to ruin his credit if he didnt pay right then. He asked for something in writing showing the exact amount and stating that payment in full was required and was told that they dont do anything by mail or email and that they will only handle accounts over the phone. I dont know how any of this is legal, but even if it is, this certainly isnt fair business practices.
|
| 07/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
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Web |
|
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During Covid I was harassed monthly by XXXX XXXX XXXXXXXX XXXX XXXX leasing office agent although they received their rental payments on time. Monthly, I was threatened by them that myself and my XXXX children ( XXXX of which were XXXX ) would be kicked out on the streets After receiving a fake eviction notice on red construction paper I was basically forced to leave the unit without anywhere for my family to live due to the constant harassment, emotional distress and feelings of uncertainty and safety. We were homeless living out of my car for 4 months. The makeshift eviction notice contained a signature of someone who was no longer an employee at the property and Im sure she has no idea her signature was used. The property also received 2 months rent on my behalf after my move out although I was no longer occupying the unit. While residing in the unit maintenance never came to fix anything that I put a work order in for they just marked it as completed in the portal. My garage door didnt work for XXXX months even though I put in several work orders to get it fixed. XXXX months after moving out I was contacted by a collection agency regarding a balance of {$590.00} that I had no knowledge of and was unaware even existed. I requested information regarding the balance from the collection agency and the property and never received either although I was informed that I would. I never received anything from the company stating that I owned anything. I wanted to know exactly what I was being charged for seeing as though I left the unit in excellent condition other than the normal wear and tear of living there for almost 8 years. I never received the information requested and 2 months later the balance appeared on my credit report. Charging people unknowingly, for unknown reasons and attempting to ruin their credit is illegal and extremely unprofessional. It was a complete nightmare living there after 2019! I would like for their billing department to credit the charges and remove it from my credit immediately!
|
| 09/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
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Hello, XXXX XXXX XXXX placed a collection on my credit report. When I contacted them on 3 different occasions requesting debt validation, they advised me that they were in fact a lawyer. The person who answered the phone took my name and email address stating she would have her manager contact me back about this debt. Not one time did they return my call or send information like I was advised. So I filed a complaint with all three credit Bureaus, providing them all of the evidence that I do not owe the debt. Then I filed a complaint with the BBB against XXXX XXXX XXXX since I could not get a reply. XXXX XXXX XXXX replied to the complaint stating this account is no longer with our company, please contact the XXXX XXXX XXXX XXXX XXXX. I responded to their response saying I did not accept their response because I wanted to know why my account had been placed with someone else. They responded again stating basically the same thing, for me to contact XXXX XXXX XXXX XXXX XXXX. So they refuse to validate the debt, then also refuse to even give an explanation as to why it was sent to another attorney. They claimed to be a lawyer so why are they sending it to another attorney? During this time, XXXX sent me a letter stating that the account I was disputing was no longer on my account. So I had in fact won the dispute. My next step was contacting XXXX XXXX XXXX XXXX XXXX. I emailed them all of the proof on XX/XX/XXXX, showing them I do not owe this debt, then on the XXXX of XXXX National Credit Systems placed this back on my Credit again. Im still waiting to hear back from XXXX XXXX XXXX XXXX XXXX, but they have not moved forward since I sent them the proof. There are many complaints of both of these companies online, and XXXX XXXX XXXX has actually been sued successfully for unethical practices. If this company no longer has my account then why are they continuing to place false information on my credit. Companies like this need to be stopped. I have Retained legal counsel and in the process of filing a lawsuit.
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| 03/10/2021 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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National Credit Systems is engaged in willful, diligent and deliberate violations of federal law by attempting to collect this alleged debt and is currently furnishing this inaccurate account to my consumer reports illegally. They have refused to respond to my last CFPB complaint which included my first Affidavit of Truth to them and they did so by deceptively marking it as a duplicate complaint. They might attempt this deceptive tactic once more with this complaint although I have included my newly updated second Affidavit of Truth attached below which they received and signed for on XX/XX/2021. As outlined in my previous two Affidavits of Truth now in their possessions National Credit Systems has broken countless federal laws which I have carefully explained and narrated in those documents. All my remedy demands outlined in these documents are demands and not request as is my right as the federally protected consumer and natural person. This company is currently causing me lots of injury and further delays and illegal actions by them will only worsen this matter for them as I progress through my private administrative process. I advise whoever at National Credit Systems who receives this complaint and second Affidavit of Truth to forward it to your executive leadership and legal team. Your legal team will understand what these documents actually represent and mean. National Credit Systems is delaying and acting like these issues ( their blatant violations of federal laws ) will go away if they stay silent or like they can get away with it. However, as I diligently move through my private administrative process things will only get worse your company in the near future. You have time to resolve all outstanding issues by providing all my outlined remedy demands which includes paying the attached invoice. Again these are all demands and not request as the original creditor, federally protected consumer and natural person pursuant to 15 USC 1692c ( c ) ( 2 ) of the FDCPA and under Title 15 Chapter 41.
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| 10/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing to report a violation of the Fair Debt Collection Practices Act ( FDCPA ) by NATIONAL CREDIT SYSTEM, who failed to provide verification of a disputed debt and continued collection efforts without supplying the required verification. as Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ), I dispatched a certified mail dispute letter to NATIONAL CREDIT SYSTEM on XX/XX/2023, within the XXXX-day validation window, demanding verification of the alleged debt. This action was taken to formally contest the legitimacy of the debt and to seek definitive proof to substantiate their claims. A copy of the dispute letter and the certified mail receipt, affirming its delivery, are consolidated in Attachment. Contrary to the mandates of FDCPA 809 ( b ), which necessitates the cessation of collection activities until the debt is verified, NATIONAL CREDIT SYSTEM has not provided the requisite verification as of XX/XX/2023 and has perpetuated their collection endeavors, inclusive of validating the debt with XXXX without validating the debt with me on XXXX witch is a clear violation of 15 U.S.C. 1692g ( b ) Validation of Debts which states : " If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
This non-compliance has engendered my process of getting funds for my business or any type of help credit wise and precipitated significant emotional distress, a byproduct of the unwarranted and legally nonconforming collection attempts
|
| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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This is my SECOND attempt at resolving this claim. I was last referred to fill out a Identity Theft Report. This report is NOT VALID as this is not Identity Theft. The account is NOT UNDER MY SOCIAL or birthdate. This is NOT IDENTITY THEFT. The company doesn't have my social OR BIRTHDATE. NATIONAL CREDIT SYSTEMS INC, showed up on my credit report with an original creditor of XXXX XXXX in XX/XX/XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manageXXXX at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.
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| 12/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
Servicemember |
|
XXXX Has sent me a debt collection page to XXXX adults on the lease each XXXX separate reference for is XXXX i do not owe this debt. the original company is trying to pull a scam and i wont be apart of it XXXX XXXX i rented from XXXXXXXX XXXX i filed a case on them with fair housing because they tried to put me through a bunch of rules and regulations when i tried to move to a new house. i put in notice that i would be moving, but needed to find a house my lease ended on XX/XX/XXXX XXXX they would not let me pay for those couple of days so i stated if i have to pay for the whole month then i will leave when i find a place. if my lease ended XX/XX/XXXX then i should have only been paying month to month after that because i did not sign a new lease. they created a fee saying i had to pay because my lease went month to month. this was not in original lease. so basically i asked them to come get the keys noone did i wsited until trash night put out the trash told them i would return to take trash back in and asked for someoone to meet me at the house again. noone showed. so when i left the house they put bogus charges charging me for removal of items that were originally on or in the house. They even added on extra days i asked for receipts. they told me they were not going to give me receipts .they are not allowed to just make repairs without giving me the chance to do them first. to charge me after the fasct is bad business. I believe they were trying to make me pay more for leaving and for the upgrades they made. They did not ask me to remove any items. everything was left in the trash can it needed to be pushed to the curb. they charged me XXXX after keeping the security deposit XXXX She has also included all three adults on this making it show up on all three of our accoutns when it should have only been on mine. i tried to work it out going back anfd forth with XXXX XXXX. she then stated she wold take action. i was not going to pay charges i didnt owe and that she couldnt produce receipts for.
|
| 09/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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On XX/XX/2023 I received XXXX Derogatory marks from a collection agency named National Credit Systems.
The first one, in the amount of {$450.00} from a creditor named as an apartment complex in XXXX XXXX Texas named XXXX XXXX XXXX XXXX XXXX The second, In the amount of {$6300.00} from a creditor named as XXXX XXXX. also and apartment complex in XXXX XXXX.
I did not sign any lease with either of them. I live in XXXX as a home owner. I believe my identity had been stolen and I was a victim of identity Fraud.
My credit has been frozen on all Bureaus since XX/XX/2023. So these apartment complexes definitely did not do their job of properly verifying my credit.
I Have contacted National Credit Systems. a person named XXXX XXXX has been in charge of this case that has an internal reference number : XXXX XXXX XXXX has requested me twice to send the same documentation package that their identity fraud team requested. I have sent all documents requested by Mail and E-mail as they requested.
Since XX/XX/2023, I can only see the second charge of {$6300.00} on my account. I believe National credit systems removed the first charge.
But they failed to remove the second.
XXXX XXXX XXXX is unaware of the documents I sent, it seems that their department do not communicate internally, so he can't answer why one charge was removed but not the second.
when I asked what should I do about this, he forwarded the same first e-mail with the same requirements. Which was frustrating.
Since this communication isn't going anywhere, I decided to contact CFPB to weight on the resolution of this matter.
I am a Real Estate Investor and can not afford to have these kinds of issue on my credit. it is crucial that this gets removed from my account ASAP.
I am attaching the same documents that the debt collector requested for your revision. including the police report file in XXXX, water bills and home insurance policy to prove my place of residency on the time the events happened and signed affidavits.
Please help.
|
| 06/24/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
Hi, I am writing this complaint on ( XXXX XXXX XXXX ). First they keep saying they didn't get my dispute letters in mail. Which is impossible cause i have tracking number and it says it was delivered.
So National Credit System put a account on on XXXX XXXX report i found out about it in XXXX. Then In XXXX they put it on all the Credit Bureaus. I informed XXXX, XXXX and XXXX this was a fraudulent account. All three credit bureaus deleted the National Credit System off my report within 4 business.
XXXX XXXX XXXX told me they have to contact National Credit System to delete this account and it will take 30 days.
I am making this formal complaint because the FCRA 605B clearly states that the credit buraues has four business days to block this information my report.
How can XXXX delete this off my report but the XXXX XXXX section wont delete this off my account.
XXXX XXXX still falls under the FCRA and should follow the rules.
FCRA clearly states : Duties when ID Theft Occurs All furnishers must have in place reasonable procedures to respond to notifications from CRAs that information furnished is the result of identity theft, and to prevent refurnishing the information in the future. A furnisher may not furnish information that a consumer has identified as resulting from identity theft unless the furnisher subsequently knows or is informed by the consumer that the information is correct. Section 623 ( a ) ( 6 ). If a furnisher learns that it has furnished inaccurate information due to identity theft, it must notify each consumer reporting agency of the correct information and must thereafter report only complete and accurate information. Section 623 ( a ) ( 2 ). When any furnisher of information is notified pursuant to the procedures set forth in Section 605B that a debt has resulted from identity theft, the furnisher may not sell, transfer, or place for collection the debt except in certain limited circumstances. Section 615 ( f ).
Attached is a police report and dispute letter
|
| 06/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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National Credit Systems reported an alleged debt to my credit report. The collection account has appeared on my credit report without me ever been notified. It has been on my credit report for over 3 months.
It caused me monetary damages and ruined my credit score since National Credit Systems reported a " collection account '' to the Credit Bureaus rather than reached out to talk or try to collect a debt first. They never sent any written information for over 3 months the account was on my credit report.
I disputed the account with the Credit Bureau early in XXXX 2016. I disputed it with the National Credit Systems shortly thereafter. I called them to discuss just today XXXX/XXXX/2016. No resolutions have been reached as of yet. My credit score continues to be ruined.
I need my credit report cleared and I need to learn about protections under the law that I can enjoy as related to Fair Credit Reporting Act.
It is not right to just have any random person decide to place any alleged debt to another person 's credit report. This alleged debt appeared as a debt on my credit report with no prior checks, controls, verifications, or filtering by neither the collection agency or the Credit Bureaus.
It is the same as anybody- your neighbor, ex spouse, ex employee ( XXXX ) would just make up a list of debts against you ( the reader ) and submit it to the Collection Agency. In turn Collection agency reports it to the Credit Bureau. Our XXXX does not attempt to resolve it with you, does not mail you anything, does not take you to courts, but resorts to malice and intimidation that hurts financially you personally and other businesses.
I say the damage goes beyond my personal wallet as it also hurts other businesses and banks who decide not to do business with me and ultimately any of us in the same situation because of unjustly low scores.
Responsible parties must be accountable for wrongdoing and the entry needs to be removed from my credit report. I need your assistance in this process.
|
| 05/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
|
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEMS for committing identity theft. I have never given NATIONAL CREDIT SYSTEMS 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 aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ).
I have never received any type of documentation requesting validation from NATIONAL CREDIT SYSTEMS before they committed multiple violations under the FCRA and the FDCPA by furnishing this alleged debt to my consumer report including but not limited to 15 U.S. Code 1692d ( 4 ) which the FTC defines as debt parking. If NATIONAL CREDIT SYSTEMS can not provide me with proof such as a tracking number that they attempted to lawfully validate this alleged debt with me, the consumer, prior to furnishing it on my consumer report, this has been a fraudulently furnished account with forethought and malice as an attempt to bring harm to me and my financial reputation.
I am legally refusing to pay this debt pursuant to 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 SYSTEMS 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 SYSTEMS continues its collection efforts, I will file for litigation for actual damages caused and NATIONAL CREDIT SYSTEMS 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 UCC 1-202f. Your prompt attention and response are both requested and required.
|
| 03/22/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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I started receiving collection notices from a collection agency that were connected to an apartment building that I had never heard of prior. I contacted them and they asked about my relationship to some person I had never heard of. They asked for the last XXXX digits of my social security number and then told me that the numbers did not match what they had on file. I explained that we owned our home and that we had never rented from this agency and I asked them to stop contacting me. I checked my credit report and found that they had reported the bad debt to the credit bureau so I then filed a report with the credit bureau stating that I was being targeted for a debt that was not mine. The credit bureau investigated the claim and reported back to me that they found my complaint to be valid and they removed the debt from my credit report. When my husband and I started the process of obtaining a mortgage loan to purchase another property, I found out that the collection agency was still reporting the debt to XXXX other credit bureaus. I then contacted them again, stating that we had already cleared this up once but they refused to remove it without " the proper paperwork '' which they promised to mail to me, again, stating that the information they had on file did not match my information. The paperwork they mailed to me was a form to report identity theft, which had not occurred. Nothing on the form was relevant and the only people identifying me as the debtor was this agency. I then contacted the XXXX additional credit reporting agencies and had them investigate the report. Both of them responded the same as the first. They told me that it would be removed from my credit report.
That was 6 months ago. I thought that the problem was resolved but today I received another letter stating they are still attempting to collect this debt. I have checked my credit report and find no reports of collections from this company but I feel it is only a matter of time before they report it again.
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
On XX/XX/2023 I reached out via phone in an attempt to find a resolution for this account. XXXX XXXX (? ) advised that this account could be settled until XX/XX/2023 for 50 % of the {$750.00} reported balance.
As this account was incorrectly sent to collections and is a result of fraud, I reached out to the credit bureaus to dispute this.
On XX/XX/2023, I again spoke with XXXX who advised that they ( being the original creditor, XXXX ) would not authorize a settlement for less than advised. She advised any settlements no in the full value would be subject to remaining on my credit reports as settled for less but would be unable to be permanently removed without full payment. Full payment would also only result in a request to remove as a good will gesture.
On XX/XX/2023, XXXX advised that she did not advise this and that she asked to extend this settlement amount. I asked to speak to another agent and the line was disconnected.
Upon calling back, I spoke with agent XXXX XXXX who advised that this account was previously held with a law firm. He advised that he can see multiple dispute attempts but they were denied for being meritless. He advised that XXXX is not the holder of the debt but that they service the debt. His agitation and continued refusal to allow me to simply reiterate his words was condescending and rude. The information provided was contradicting. As their operations closed at XXXX XXXX, he ended the call.
I am legally severely XXXX XXXX and have several other health concerns. This agency nor the original creditor has made any reasonable attempt to rectify this issue. I feel taunted and have yet to find a resolution for removing this without paying/settling.
I would like to ask that the CPFB cease allowing this agency to report any information regarding any accounts owned/previously believed to be owned by me. I do not have a contract with this agency and contracts with XXXX were fraudulently entered.
I look forward to a prompt and positive resolution.
|
| 06/11/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello I contacted the collections company National Credit systems XX/XX/XXXX about a collections account created in XXXX, I was told they have documents dated XXXX showing a leasing agreement was and broken with XXXX XXXX XXXX previously owned by XXXX XXXX in XXXX of XXXX which caused the account to go into collections for {$2600.00}.
I explained the lease was not renewed past XXXX of XXXX and the collections company said they need to dispute the account with XXXX XXXX because the file states otherwise. On the same day I contacted XXXX XXXX XXXX XXXX multiple times via phone and email from XX/XX/XXXX up until XX/XX/XXXX and finally got a hold of her and she advised after speaking with the attorney there that they have no documents of a lease being resigned past XXXX to support the claims that where was sent to collections in XXXX. They are using a clause from the XXXX lease that states lease agreement would continue on a month to month basis until cancelled.
I explained to XXXX the standard procedures for renewing any apartment lease which is within 60 days of a lease expiring both a yearly renewal and a month to month lease would still need to be singed off for by the tenants and documented with the leasing office.
In conclusion, they still deny and false claims on their end and the lease was on a month to month contract from XX/XX/XXXX - XX/XX/XXXX.
Furthermore, I requested they provided dated and detailed information and documents for the reason why they are requesting {$2600.00} I'm still waiting on this information On XX/XX/XXXX I spoke with the collections company to share with them the information since they are working on gathering this as well. I was advised they requested the information on XX/XX/XXXX and have not gotten a response from them and need to wait on them to respond to resolve this matter.
P.S I also would like to point out they allowed someone else to sign as me on this leasing agreement. If you view the signatures they are identical. ( Attached )
|
| 04/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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XXXX XXXX XXXX reported broken lease XXXX. They also reported debt for repairs to the apartment unit totaling {$1100.00}. These repairs were requested by me to be fixed and the office never took care of them. I was diagnosed with XXXX at the end of XX/XX/XXXX and was unable to return to work. I am XXXX XXXX and this had no additional sources of income. I applied for rental assistance to assist with rent from XXXX as that was the duration of my lease. During this time of waiting on the assistance to come in, eviction was filed. Payment was received and processed and according to management the eviction was reversed. Upon trying to move I was denied by several other apartments due to an eviction on my credit. I requested proof of reversal and never received one. Unable to move at the end of my lease, I accepted the rental assistance through XX/XX/XXXX. Management requested I renew my expired lease and I declined due to the lack of response to complaints by management. In response the office decided they wouldnt accept any funding from project reset and submitted a 30-day vacate notice. They then charged me {$980.00} in lease termination fees, {$100.00} in late fees and {$490.00} in month to month fees. I did not terminate the lease and was not able to provide payment outside of the assistance. I vacated the unit on XX/XX/XXXX. My credit report shows a balance of {$2700.00} and I did not sign off on this, I notified the apartments that this was incorrect and asked them to submit an accurate bill. This was not done. The credit bureaus have not removed this from my report and the collections agency National credit systems is still submitting this debt to my credit report. I have since been unable to lease a new apartment and there has been no resolve. This report is inaccurate and I have copies of my lease, the unsigned bill, and communication with management to support the series of mentioned events. Im requesting this be removed from my credit report due to inaccurate reporting.
|
| 08/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am writing to address a critical matter concerning the alleged debt associated with my account, which is currently being handled by National Credit Systems. My name is XXXX XXXX, and as a federally protected consumer under various federal statutes including the Fair Debt Collection Practices Act ( FDCPA ), the Truth in Lending Act ( TILA ), and the Fair Credit Reporting Act ( FCRA ), I am aware of my rights and protections.
I want to make it clear that I have not granted National Credit Systems authorization to possess my nonpublic personal information, and therefore, any alleged agreement or contract between us is null and void. Furthermore, I assert that the alleged debt is a result of a billing error, and I insist on receiving documentary evidence of the obligor 's indebtedness.
Your company 's actions have not only led to duress and coercion in attempting to collect this alleged debt but have also caused significant harm to my credit reputation. Under the provisions of the FCRA, I am legally entitled to dispute and request the removal of inaccurate or unverified information from my credit report.
I hereby demand that within 14 days from the date of this letter, you take immediate action to : 1. Cease all communication and collection activities related to this alleged debt, as I am legally refusing payment under 15 U.S. Code 1692c ( c ). 2. Provide sufficient a
nd documented evidence of the validity of the alleged debt.
3. Remove any and all references to this alleged debt from my credit report.
Failure to comply with this demand within the stipulated timeframe will leave me with no choice but to pursue legal action to address your company 's violations of various statutes, including but not limited to XXXX, FCRA, and others.
Please understand the gravity of this situation and the potential consequences of non-compliance. I expect a comprehensive response within the specified 14-day window to confirm that these actions have been taken.
Sincerely, XXXX XXXX
|
| 07/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
Servicemember |
|
Back in 2018 i moved out my very first apartment in XX/XX/2018 my lease was ending in XXXX and the rent was XXXX when i was leaving it was agreed upon with the manager at that time that if i turned in my keys XX/XX/XXXX by like XXXX or XXXX then they wont consider it a breach since my lease was almost over. we live in a military town! one of the biggest so if you dont move when you can you will not be able to due to over population. i didnt want to stay due to countless of times my rent was never " received '' and we paid by money order in person. which never made sense to me. and sometimes i had to pay double rent just cause they say theres no record. i wasnt the only tenant with this problem and they was upping our rent as well so a few of us moved around the same time to another neighborhood. it got to a point i was getting behind other bills and sometimes had to suffer with no lights or phone due to it and i was a new mother. my daughter wasnt even one yet. i was young and it was my first ever place so i took there word! never knew about getting stuff in writing for documentation at the time but now i do. I was never informed about fees and of course i never got my deposit back which was expected! just last XXXX, i got a notification from credit karma about a new debt collection. at first it never said anything except the debt collection agency. it took months to even figure out what it was. i contacted them to let them know and they said " they doubt anybody would tell me that '' they are now under new management and also controlled by a computer! And now its states i owe about XXXX to them which dont even make sense! they just said a clean up fee which wouldnt even be that much and my rent was only XXXX as well. recently i been trying to move to relocate for work and my lease is almost up and i cant even do that cause of this. the disputing multiple times wont even work and im running out of time. i live too far from my job and not getting any resolution on this
|
| 11/11/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I enter into a payment arrangement with representative XXXX XXXX of National Credit Systems. According to Mr. XXXX, I had an outstanding balance of {$1500.00} from The XXXX at XXXX. I was surprised because I was currently in the process with XXXX ( from XXXX ) of getting a balance adjustment. According to Mr. XXXX, although I was working things out, that I needed to take care of the bill before he sends it to the 3 credit bureaus. I asked him what can I do to prevent from hurting my credit. Mr. XXXX ensured me that if I make a payment and continue to be current with the payment arrangements that they would prevent any derogatory reporting to any credit bureaus, PLEASE ASK TO LISTEN TO THE CALL RECORDINGS. ( It should be noted they record every call ) Even though I have NEVER missed a payment and/or never later ( they drafts my account ever 2nd of the month ) XXXX National Systems blatantly violated the agreement by reporting as a late payment, the wrong amount, and being sent to an attorney ( WHICH ARE ALL FALSE ). Please note that following the XX/XX/2020, payment on XX/XX/2020, they reported me late before XX/XX/2020 payment was due. I inquired with Mr. XXXX and he acknowledged that I was not in violation but he continued to try to collect {$470.00} and would remove the account from my credit report. I contacted Mr. XXXX XXXX manager, XXXX XXXX. According to Mr. XXXX, the verified that my account was NEVER late and missed any payments and there was a computer malfunction and that he would immediately DELETE the collections for All credit bureaus. According to Mr. XXXX, he submitted the initial deletion letter on XX/XX/2020. It now XXXX and this company continue to update this account with inaccurate and completely false information. After several attempts to have my account corrected, they continue to lie and refuses to provide me with a copy of the deletion letter and the printed payment history. I have left several messages and now Mr. XXXX no longer respond.
|
| 09/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I was contacted back in XXXX/XXXX/XXXX I received a call from the national credit services collection agency and they stated I had a balance of {$2100.00} from XXXX XXXX apartments and would I be able to make a full payment today? I told them I was a college student who was locked out of my apartment before even going to court to complete the full eviction process and I was disputing the charge. He stated at that time the full amount would hit my credit. I never received any further calls from that moment on until XXXX back two years later and asked if I could set up a payment arrangement they said no the full amount is due. After that I called again in XXXX XXXX and spoke with XXXX and she stated she would be offer a settlement of {$1300.00} but that would need to be paid within the same month. I agreed and told her I would call beck the end of XXXX to make payment. It is now the end of XXXX and I called and XXXX was very rude to me and stated I could no longer make the payment they have been calling and sending out letters for a settlement which I NEVER recieved. So now she stated they would send off the settlement request which has no time frame of when they would get back to me with the settlement amount it could take weeks or months or they may never get back in contact with me for a settlement. I told her I wanted to speak with her supervisor which her name is XXXX and she stated I should call back on Tuesday because she would submit the request for me but when I called back Tuesday she was at lunch and I spoke again to XXXX who stated no update for a settlement has been made and she stated they may never respond for the settlement to be made but I told her again you offered me a settlement before so you are not offering me what we agreed on and she stated I should go ahead and pay the full amount which is unfair and not ethical by any means. I just want to get this taken care of today but they are not willing to help at all and they are not professional.
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| 02/25/2020 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company which I have " NO CONTRACT '' with has no legal right to collect on this said debt. Reporting of the debt is a violation of the FCRA. Section 623 ( a ) ( 2 ), Section 623 ( a ) ( 1 ) ( B ), and Section 623 ( b ) ( 1 ) ( E ). Please provide me with a true and certified copy of the complete audit trail/Certified Final Forensic Internal Audit of said account. Futhermore, in order for this company to validate the debt, please provide verification through audit certification of debt entry in accordance with G.A.A.P., I.F.R.S., in accordance with basel 3 accord and U.N.C.I.T.R.A.L Conventions.
Notice Should you fail to provide Us with a copy of Our agreement and provide a persons name that We can communicate with then We will consider this matter at and end and notify you that any further demands for unsolicited goods and services will be regarded as claims for unjust enrichment in contravention of Fair Trading Act 1986, s21c and Unsolicited Goods and Services Act 1975, s4 and will be forwarded to Our solicitor for action. Your failure to respond, within 10 days of the receipt of this notice, and rebut with particularity, everything in this document with which you disagree is your lawful, legal and binding agreement with and admission to the fact that everything in this document is true, correct, legal, and lawful and binding upon you, in any court, anywhere in the United States of America, without your protest or objection or that of those who represent you. Your silence is your acquiescence. See : Connally v. General Construction Co., 269 U.S. 385, 391. Notification of legal responsibility is the first essential of due process law. Also, see U.S. v. Tweel, 550 F. 2d. 297. Silence can only be equated with fraud where there is a legal or moral duty to speak or where an inquiry left unanswered would be intentionally misleading. The recipient of this document is obligated to verify the record is correct or correct such record where a defect is found.
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| 04/25/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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About 5 years ago my personal information was compromised and my identity was stolen. Over the passed few years I have noticed inquiries on my credit that I did not authorize and had no prior knowledge of, Sometimes it was accounts ( cable, phone, utilities ) most were easy to prove fraud.
Beginning in XXXX I saw these instances become more frequent for a while it was over 30 per week. Whenever I learned of these I would contact the companies extending credit and notify them of the fraud.
In XXXX I began to notice many apartments showing up, many of which were actually signed leases in my name and some were just applications. A lot had utilities connected in my name as well.
Last year, I learned a XXXX person named XXXX XXXX was arrested in XXXX FL for fraud and counterfeit charges I contacted the apartments and learned he was claiming to be me and had an apartment in my name that was in default, he was giving the office fake checks to pay rent and was thousands of dollars in debt in my name.
I have police reports and FTC filing but can get nowhere with the bureaus, collection agencies or creditors.
I need assistance getting my life. Back.
The companies are : -XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$4600.00} 2 ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$270.00} 3 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} 4 ) XXXX XXXX XX/XX/XXXX {$320.00} 5 ) XXXX XXXXXXXX XXXX XX/XX/XXXX {$100.00} - XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XX/XX/XXXX {$3300.00} - XXXX XXXX XXXX XXXX 1 ) XXXX XXXX XXXX XXXX XX/XX/XXXX {$4700.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$540.00} -XXXX XXXX XXXXXXXX XX/XX/XXXX {$160.00} -XXXX XXXX XXXX XXXX XX/XX/XXXX {$450.00} XXXXXXXX XXXX XX/XX/XXXX {$300.00} These are the ones currently showing. Some of these have part my correct info and some inconsistent. I need help reclaiming my life. I have statements, FTC Filing and police reports but I cant get the bureaus, agencies or creditors to help me.
Can you assist me?
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| 07/29/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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I entered a lease on or around XX/XX/XXXX on the original lease. I state the carpet is already used and has an odor. I noted that the blinds weee broken and mismatching. During my 2 plus years at XXXX XXXX XXXX XXXX XXXX, AZ. XXXX. In fact, fixed a stair rail that kept falling off and had XXXX XXXX XXXX plumbers install a sink I paid for because the one they had was old and fell off the downstairs bathroom. I was an excellent tenant and always paid my rent on time. In XXXX of XXXX XXXX XXXX XXXX, XXXX, came over to reassess the property. He then chose to not charge me a pet deposit, but rather raised my rent {$100.00} a month. He did not ask, request or discuss a pet deposit other than the increase. I then was told by XXXX that the owner was selling the property and that I had 60 days to move. I immediately in XXXX of XXXX began looking and moved out per our agreement on-time despite Covid 19 on XX/XX/XXXX. I asked the XXXX company to come do the walk through, but they - No Showed. I had complaint that the property windows were not secure and they did nothing. I left the house in the best clean and damage free. There was some wear and tare, but the company has an {$800.00} security deposit to cover those costs. However, XXXX lied to me and told me he needed my new address to mail me my deposit. When Im fact he has submitted false information and information that indicates XXXX XXXX XXXX wants me to remodel the unit? I am not responsible for remodeling a unit that I rented that is the owners responsibility. The company they hired is harassing me with calls, letters and reporting false information to the credit bureaus. National Credit Systems is reporting false allegations, pictures and information. I am disputing this at every level to resolve based on facts. It is the landlords responsibility to do a final walk through and if there was graffiti on the wall that is not of my doing? I dont understand why I am being victimized in this situation? Please Help!
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| 02/15/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
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National Credit Systems reported in XX/XX/XXXX that I owed XXXX XXXX XXXX XXXX {$8200.00}. I contacted them immediately @ XXXX to find out what this was, that I never lived at a XXXXXXXX XXXX XXXXXXXX XXXX. I was then transferred to the collections supervisor XXXX @ ext XXXX. He told me it was an apartment in XXXX NC, I explained that I have never lived in XXXX NC. He provided me with an account # oand told me to go to IdentityTheft.gov and file a report. I did that on XX/XX/XXXX. I sent National Credit Systems twice a copy of my Identity Theft Gov letter, along with my social security card, drivers license, previous divorce paper, new marriage license, and my last three leases to show that I have lived in XXXX since XXXX of XXXX. I called Nation Credit back in XX/XX/XXXX, spoke with XXXX again and asked him the status of this, he told me that they have been in touched with apartment complex and requested a copy of the lease and a copy of my drivers license and was told by XXXX XXXX XXXX XXXX that they did not have this or any file for me. I asked him why then is this on my credit report and he told me that they have 30 days to provide documentation. I explained that me and my husband are trying to purchase a restaurant, he told me he understood. In the beginning of XX/XX/XXXX I called National Credit Systems back, spoke with XXXX again. This time he had an attitude, I told him that my restaurant deal fell through because of this collections on my credit report. I asked him why has it not been removed he told me that they did not receive a police report with my fraud packet. I told him I don't have to file a police report I am and have been in a different state, that the apartment complex can't even provide a lease or a drivers license that this is not right because this debt is not mine. I told him I was going to file a complaint, and he told me OK do that. Please help me this debt is not mine, they know this and will not remove it from my credit report.
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| 04/24/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/XXXX, I received a debt collection notice from National Credit Systems ( NCS ) in XXXX, GA. I contacted them explaining that this was not a debt I incurred and is probably identity theft. They instructed me to contact the company that issued the debt. I spoke with the XXXX XXXX XXXX Apartments Assistant Manager who helped me understand what was going on. She believes it was identity theft as well, and said she would contact her person with NCS. She said they would get in touch with me. She sent an email to a XXXX XXXX XXXX with the company on XX/XX/XXXX.
I would continue to not receive any correspondence from the company between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, a voicemail was left from an Idaho town of XXXX residents. This call would be from XXXX from XXXX. I called them to discuss the debt and they informed me they spoof their numbers because " nobody picks up XXXX numbers ''. I had received another debt collection notice from XXXX on XX/XX/XXXX and left a voicemail with a mister XXXX XXXX who was on the collection notice.
I am writing this complaint because I had been called XXXX times from this debt collection agency using a spoofed number in the month of XXXX. No voicemail was left identifying themself as an attempt to discuss the debt I have fraudulently been assigned until XX/XX/XXXX. They have then moved to place a collections notice on XX/XX/XXXX on my credit file while I have repeatedly claimed that the debt was incurred under fraud. They had never informed me of my rights to dispute the debt even when I repeatedly claimed identity theft both in writing and over the phone. The collection letters do not disclose I have a right to dispute the debt. They officially instructed me on what I must do to dispute the debt on XX/XX/XXXX when they left the voicemail.
Between not informing me of my rights, using a spoofed phone number to contact me, and not taking my claims of identity theft seriously, I am writing this complaint.
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| 11/04/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I am a victim of identity theft and have been since XXXX. My social security number was used and is still being used to a person in XXXX XXXX FLorida, This person was able to obtain a drivers license, create credit card accounts, was able to and still is able to rent apartments and even own a business with my SSN.
I received a debt collection bill indicating that I have not paid the apartment complex. I have never lived in XXXX XXXX Florida. This person also has skipped out on medical bills along with the balance owed to the apartment complex.
Needless to say I am very bothered by this situation. I contacted National Credit Systems regarding the {$2900.00} outstanding bill that was reported and on my credit report.
I filled out all of the paperwork requested and necessary to take this off my credit report since it is affecting my scores and my report.
I sent a 109 page packet that included all information needed as proof that this identity thief has been using my SSN for their identity. I also included a copy of my Social Security card, birth certificate, marriage certificate, copy of driver 's license and IRS documents that have been cleared of my name.
I reached out to National Credit Systems in XX/XX/XXXX to inquire if they had received my 109 page certified packet.
Mr. XXXX XXXX the collections manager informed me he would help me, but as of today he has not come through. I called many times just as he requested and encouraged, but I have not received a call back.
I wanted to know two things : if my package was received by him and if he sent the package to the identity theft department. He has not answered my calls after repeatedly leaving voicemails with him.
I need the the debt that was not mine to come off my credit report. I feel violated. I also need to know if my sensitive information is at the identity theft department.
This is unfair and I feel disregarded when indeed nothing has been done on the part of National Credit Systems.
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| 04/23/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XXXX XX/XX/2017 I received a letter from a company called National Credit Systems. They are stating that I owe {$2000.00} for a previous apartment I lived in XX/XX/XXXX, XXXX XXXX Apartments. The letter states that they have reported to all credit reporting agencies damaging my credit for these false charges. The statement does not include what these charges are for. I contact them on XX/XX/2017 and speak to a very rude representative who tell me that that these charges are for a month to month fee. This can not be accurate. I lived in the apartments until XX/XX/2017. My lease was over the end of XX/XX/2017. I provided a 60 day notice. Notice was turned in XX/XX/2017. I moved out of XXXX XXXX and did not ask for my security deposit back which they decided to keep. I provided a forwarding address and over a year later I get this bogus letter from this company. The rep with the collection company states that these charges are for XX/XX/2017. I was not there and I would not owe over {$1000.00} for anything. My last rent check was made on XX/XX/XXXX prior to my lease ending the end of XX/XX/XXXX. They rep also stated that she would provide me copies of this information and I could also look at the charges broken out online which was also false. I could not see any break down of what was owed or why. I want to know what is going on and why these is on my credit. It needs to be removed. I contacted XXXX XXXX Apartments and they stated that the do not show any of this information as they are no longer with the management company who managed during that time. I then called the management company, XXXX XXXX XXXX who managed during that time, and when speaking to them they were not sure what these charges were for. I believe this company is using false information to guilt people into paying balances that are not truly theirs. I will take legal action if necessary until theses charges are taken off of my credit report. I need proof of this so-called debt.
|
| 12/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/2021 NATIONAL CREDIT SYST was removed my credit report however, it was added back XX/XX/2021. In accordance with the requirements of the FCRA as shown below, I am hereby requesting your complete compliance with any and all of the provisions. Requirements relating to reinsertion of previously deleted material. Certification of accuracy of information. If any information is deleted from a consumer 's file pursuant to subparagraph ( A ), the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate. Please furnish me with copies of any and all such certification. If any information that has been deleted from a consumer 's file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. I received no such notification, this is a serious violation of the FCRA, and I reserve the right to pursue further action. Additional information. As part of, or in addition to, the notice under clause ( ii ), a consumer reporting agency shall provide to a consumer in writing not later than 5 business days after the date of the reinsertion ( I ) a statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information ; and ( III ) a notice that the consumer has the right to add a statement to the consumer 's file disputing the accuracy or completeness of the disputed information. Please furnish me with the required statements and data.
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| 11/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/XXXX, we moved out of an apartment complex ( XXXX XXXX Apts ) with all rent and fees up to date and in good standing.
There was no contact from them about any outstanding debts or rent owed. On XX/XX/XXXX, I receive a letter from National Credit Systems , Inc . They claim I owe {$630.00}, the price of rent from the apartments with the apartments listed as the client. I send on a dispute letter asking for verification.
They sent another letter on XX/XX/XXXX where they said they are aware I dispute the amount and did not find sufficient evidence to support my claims. With this, they included a document which " itemizes the charges assessed by the original creditor '' this breaks down that rent was XXXX nd utility charges were XXXX, which match the rates at the time of leasing from them, but nowhere on the charges does it state which month this is supposed to be due for.
I sent them a reply which asked which month this was supposed to be for and that I do not want to pay for something that was already paid for. My roommate of the time has bank records of all our months of paid rent and we could provide evidence but they do not say what this is for so we have no way to provide the evidence. The only date on the verification was our move out date, and our bank records have that month as paid.
Next I received a letter from XXXX XXXX ( lawyer ) on behalf of the collectors. He just repeated the same information and I once again asked for more specifics. his first letter was XX/XX/XXXX.
On XX/XX/XXXX, after asking for the specifics of the debt to be able to counter their claims, I received another letter from XXXX XXXX notifying me that their client was willing to settle at substantial savings to me. I replied that I was willing to settle for {$0.00} and to have the matter taken off my credit report as I still believe this is not something I owe and proof of what month this is for was still not provided. They have not responded since.
|
| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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Collection agency closed last dispute as duplicate, when it was never resolved. I have never even received written communication from them. I have requested a physical signature, picture id and proof of verification before leasing an apartment in my name. A police report has now been filed.
See Original complaint..
Please have this company provide a copy of the drivers license and a copy of the social security. Show a physical signature to pick up keys, not an electronic signature.
XX/XX/XXXX, XXXX XXXX Complaint Details.. I have provided a police report, social security card, drivers license, previous divorce paper, new marriage license, and my last three leases to show that I have lived in XXXX since XXXX XXXX XXXX. I called XXXX XXXX back in XX/XX/XXXX, spoke with XXXX again and asked him the status of this, he told me that they have been in touched with apartment complex and requested a copy of the lease and a copy of my drivers license and was told by XXXX XXXX XXXX XXXX that they did not have this or any file for me. I asked him why then is this on my credit report and he told me that the apartment complex has 30 days to provide documentation. I explained that me and my husband are trying to purchase a restaurant, he told me he understood. In the beginning of XX/XX/XXXX I called National Credit Systems back, spoke with XXXX again. This time he had an attitude, I told him that my restaurant deal fell through because of this collections on my credit report. I asked him why has it not been removed he told me that they did not receive a police report with my fraud packet. I told him I don't have to file a police report I am and have been in a different state, that the apartment complex can't even provide a lease or a drivers license that this is not right because this debt is not mine. I told him I was going to file a complaint, and he told me OK do that. This debt is not mine, they know this and will not remove it from my credit report
|
| 07/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I served as a guarantor on an apartment lease at XXXX XXXX XXXX in XXXX XXXX, Louisiana. The lease terminated on XX/XX/XXXX. At the conclusion of the lease I personally visited with apartment management to confirm the account was paid in full. This was confirmed by XXXX XXXX XXXX, Assistant Property Manager, prior to move out in XX/XX/XXXX. We never received any further communication from XXXX XXXX or any representatives of XXXX XXXX after that date. Today, XX/XX/XXXX I received notice from a credit bureau ( XXXX ) that National Credit Systems had flagged an account belonging to me as unpaid in the amount of {$4000.00}. I have never received any communication from National Credit Systems. I contacted them by phone today and they indicated the unpaid account related to the lease agreement at XXXX XXXX XXXX. They further indicated they had turned the account over to XXXX XXXX XXXX XXXX XXXX XXXX XXXX and provided contact information. I contacted the XXXX firm and spoke with a XXXX XXXX ( spelling? ) who advised me that : 1 ) XXXX XXXX XXXX turned the account over to National Credit Systems in XXXX, XXXX - 9 months after we terminated our lease and were advised no further funds were due ; 2 ) the balance of {$4000.00} was due to a check being returned for insufficient funds ; 3 ) I could " settle the matter '' for 60 % of the debt ; and, importantly 4 ) neither they, nor National Credit Systems, nor XXXX XXXX XXXX are under any obligation to provide me with any information proving my debt. During her repeated attempts to encourage me to " settle '', she indicated that would be the most effective path to remove derogatory remarks from my credit reports, and, absent such a settlement, those derogatory remarks could remain on my reports indefinitely. I have confirmed that I paid all obligations under the term of the lease as required, and that there was never a check returned for insufficient funds. I have no debt to XXXX XXXX XXXX.
|
| 02/29/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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National Credit Systems was sent a Request for Validation, Not Verification letter certified mail on XX/XX/2020. It was being sent about erroneous reporting to the Credit Bureaus. Also all three Credit Bureaus were sent letters certified mail pursuant to the fair Debit Collections Practices Act, 15 USC 1692g Sec 809 ( b ) that your claim is disputed and validation is requested.
I asked to please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgement if applicable : Provide the Statue of Limitations has not expired on this account : Show me that you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : National Credit Services has not responded in 30 days. They sent a letter on XX/XX/2020 for a 50 % off of the debt of {$640.00} of the {$1200.00} if I responded by XX/XX/2020.
Equifax Credit Bureau has sent a letter asking to verify my identity. My letter was sent with two forms of ID. Drivers license and Social Security number.
Experian Credit Bureau has it pending until XX/XX/2020 Transunion has not responded about the dispute as well.
This has caused my credit score to decline tremendously and caused me not getting a major purchase and defamation to my character because of the reporting on public record or collection of debt.
All three major bureau 's have played stall tactics and continue to report erroneous information. I have all information from and return receipts of my first letters sent to bureau 's and National Credit Systems.
They are in violation of the Fair Credit Reporting Act.
Violation of the Fair Debt Collection Practices Act.
Defamation of Character Please help me to expedite the results of removing these erroneous items from my credit report.
|
| 02/09/2020 |
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
- Their investigation did not fix an error on your report
|
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Web |
|
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Dear Collection Agency Rep. THIS COMPANY HAS REPORTED A NEGATIVE AND INVALID COLLECTION ACCOUNT ON MY CREDIT REPORT CAUSING SEVERE DAMAGE TO MY CREDIT SCORE STOPING ME FROM PURCHASING A HOUSE AND I NEED IT REMOVED IMMEDIATELY! I have thoroughly reviewed my credit report and I would like to inform you of the inaccuracies it contains I am requesting, under the provisions of the FCRA, 15 USC section 168ii, that you investigate this account. I am requesting that you provide validation of these debts. True validation should not be simply verifying the original creditor, my name, and my social security number. Validation must have the requisites to enable it to be recognized and enforced by the law. In Hinkle v. Midland Credit Management , Inc., the Courts said, during a dispute and subsequent reinvestigation, with the original creditor, collection or a credit bureau, that the original creditor or collector must provide account level documentation. That means an original contract or similar proof ; not just a printout of the payments that were made. It does not suffice. Provide me with the following : A copy of the original contract you alleged I signed. An accounting of how payments were applied. The interest that was added along with any ancillary charges. Identify the original creditor. Prove the Statute of Limitations has not expired. Provide verification or copy of a judgement if there is one. Provide licensing information that allows you to collect in my state. Per the FDCPA 1692G, all collection activity must cease until validation is supplied. Collection activity includes credit reporting. Per the FDCPA this should not be reported to an CRA until validation is provided. If you fail to comply to this request to investigate and delete 30 days from the date of this letter, I will be forced to file a complaint with the CFPB. I will avail myself to pursue all my rights of private action under the FDCPA and or the FCRA where appropriate.
|
| 05/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Dear Sir/Madam, I am requesting validation of an alleged debt your company is attempting to collect from me. According to your records, I owe a {$450.00} balance for NATLCRSYS. Before making any payments or discussing the matter further, I would like to ensure that the information associated with this debt is accurate.
As per the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide me with the following information to validate the alleged debt : A detailed explanation of the Amount claimed, including an itemized breakdown of the principal balance, interest, fees, and any other charges.
A copy of the original contract or agreement between the original creditor and me, signed by both parties, shows I agreed to the debt.
The date of the original debt and the date the debt was transferred to your agency.
Proof that your company is licensed to collect debts in my state, including your license number and the name of the issuing authority.
The name and contact information of the original creditor, if different from the current creditor.
Any payment history associated with the debt, including the dates and amounts of my payments.
Verification that the debt is still within my state 's statute of limitations for collection.
Please note that, under the FDCPA, collection activities must cease until you have provided the requested information to validate the debt. If you can not provide the required documentation, I ask that you stop all collection attempts and remove any negative news related to this debt from my credit reports.
If the alleged debt is valid, please provide the requested information within 30 days of receipt of this letter. If I do not receive the information within this time frame, I will consider the matter resolved and expect no further communication regarding this debt.
Thank you for your attention to this matter. I look forward to receiving the requested information.
Sincerely, XXXX XXXX
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| 10/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2020, at approximately XXXXXXXX XXXX I applied online for an apartment.. I received and email at XXXX with information to access my application and a link to complete the application. I also received an email stating " almost done! '' at XXXX XXXX. At XXXX, I got an email saying, XXXX XXXX. At the same time I received an email stating XXXX will review my completed application soon. At XXXX the same day, I received an email stating " others on the application that will need to complete their application before the application can proceed. '' At that same time, I received another email stating, " oh, so close. '' " Remember, just because you have completed the application does not mean that you are finished with the leasing process. We still need to get your lease finalized. '' I did not do anything from that point on and chose to apply for a different apartment in XXXX. I applied got approved, and then, signed a lease with them. I have never XXXX did I complete the process -- as their email verifies. I am in collections because of, misleading practices. I am not unique to this deceptive practice. I saw the same complaint with the BBB after being contacted by a collection agency. They are taking advantage of college students who are looking for housing and weighing their options. We did not come to an agreement nor a meeting of the minds. I applied for an apartment but never completed the process, nor did a co-signer sign on my behalf, which was required.
On XX/XX/2020, at XXXX, I received an email stating, " We hope you're excited as we are for Move-in Day! This was a surprise to me because I did not complete the process. I had already secured an apartment. I called to let them know I was not going to lease from them and did not complete the process. I was told I signed the lease when I applied for the unit and that I needed to find someone to lease the unit. I was not in agreement I have emails that support my statements.
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| 03/07/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I moved I to XXXX XXXX XXXX XXXXXXXX XXXX the beginning of XX/XX/XXXX. I vacated the apartment XX/XX/XXXX. I left when I did to prevent any additional charges from being accumulated regarding my lease. I purposely contacted the management office when they requested my next address to clarify billing and made it clear they have no reason to keep in touch following my moving. Rather than showing any semblance of decency I received not only an attempt via email from the apartment complex attempting to collect additional funds from me erroneously, but also an electric bill for charges not incurred by me. They have since escalated this matter by contacting an additional company to collect an amount from me that isn't my responsibility. The company name is National Credit Systems , Inc . I have no outstanding balance with either company nor do I appreciate being contacted by either. The entirety of my lease the management office was made aware of numerous, consistent, and recurring unauthorized entries into my rental space. They had awareness of this and should be investigated as their property and those wandering around, in, and through it are a nuisance to civilians and neighborhoods.
Following receipt of a nonrenewal notice and as I was preparing to move the maintenance personnel took it upon themselves to further antagonize and approach me outside. One of the two individuals stated that they were going to take all of my belongings again and made pointed reference to my aerial equipment. I was further stalked at the airport. This behavior then continued across country borders. This is a purposeful and targeted attack. Not only is this not tolerated, but also unacceptable. Furthermore, my personal account was drained by incurring a variety of fraudulent charges over a period of a few days all over the US. These charges were later shown to be posted to the account the day before I vacated the apartment space and the few days following.
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| 06/23/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XX/XX/XXXX I XXXX XXXX are providing to you a statement of dispute.
This is for the collection account with National Credit Systems. I received a collection notice for a prior residence at XXXX XXXX XXXX claiming that I owed {$11000.00}. When I called the number on the collection notice at National Credit Systems I was told the debt account was no longer being handled by National Credit Systems that another party had the account. I was given another number to call. Spoke with a gentleman who could not provide solid clarification on exactly what the {$11000.00} balance was in reference to. I explained to him what happened at my last residence. Explained that I did not sign any contracts agreeing to any increases in rent, was never provided a late notice for any month prior to be moving out on XX/XX/XXXX. Was told by the leasing office just before moving that they never received rent for 11 months from the renting agency I was receiving a rental subsidy from. Yet was never provided a late notice or demand for rent any of the 11 months they claim they never received rent. Was never evicted, taken to court. I gave my 30 day notice in XXXX and still was never provided any documentation for this balance. Requested validation of debt from XXXX XXXX prior to moving was never provided to me. The collection agency had no idea specifically what the debt was from. I requested verification of a prior lease they did not have that documentation either. How can a resident reside at a property and be told 11 months later that they owe almost a years worth of rent, and never be evicted or taken to court. No judgements filed. Please remove this item due to being inaccurate and unsubstantiated. Theres no signed documents or proof of this debt. This collection is significantly impacting my financial future alongside providing a good quality of life for my XXXX child.
Thank you for your attention to this high level of importance.
XXXX XXXX XXXX.
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| 07/06/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This company began contacting me in XX/XX/2018. Around XX/XX/XXXX, I spoke with XXXX XXXX and was informed that they were attempting to collect $ 2500+ on behalf of the Registry at XXXX XXXX in XXXX TN. I immediately informed her that the balance was nearly {$1500.00} over what is owed to them and explained why. She cut me off repeatedly and asked for my email address saying she would have to send my information to her dispute department. In informed her that I had email communication between myself and the apartment complex and asked her where could I send my dispute but she refused to provide contact information. Approximately a week later I called back and informed her that I had not received an email. She then asked for my email address and mailing address but still did not provide dispute instructions. Over a month later I had not received anything. I called her on XX/XX/XXXX and she told me that they sent an email on XX/XX/XXXX that had likely gone to my junk mail, and that is where I found it. The balance was adjusted to {$1600.00}. Once again I asked how to disputed the balance but she refused that information. I asked for a supervisor and was transferred to a voicemail box. I left a message but was never called back. I called today and spoke with someone named XXXX (?? ) and expressed my concerns. She took some information down and said that she would go back to the apartment complex but once again failed to outline a dispute process. They are threatening to report the debt on my credit report and rental history on XX/XX/XXXX if I dont give them money. They have not sent any debt validation and continue to refuse to outline a dispute process. I feel as though my rights are being violated.They are asking me to pay them but saying that they are still going to report the unpaid disputed portion on my credit report. I will pay what I owe but they need to give me a fair and honest way to dispute the portion that I do not owe.
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| 04/11/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was notified by a National Credit Systems , Inc, a collection agency, that I owe a previous apartment rental balance of {$2500.00} as of XX/XX/XXXX. I visited with the apartment manager and continued communication with them via email. It was determined that due to their change in ownership, files were lost or misplaced and they reported that I did not move out until XX/XX/XXXX. It was then verified that I actually moved out on XX/XX/XXXX and I obtained a photo copy of my turned-in apartment key with the leasing agent 's signature. Via email, it was confirmed with the assistant community director that the correct owed balance is {$920.00}. The final account statement was forwarded to me as a pdf file on XX/XX/XXXX.
As I was advised by the apartment staff that this updated information would be forwarded to the collection agency, I waited up to 60 days for this change to be made with them. However, the incorrect balance was reported to the credit bureaus as a debt. I then received a typed letter from them dated XX/XX/XXXX that indicated I still owe {$2500.00}. Attached to their letter is a copy of the exact final account statement that I received from the apartment staff, which indicates that they forwarded the corrected information to the collection agency. I contacted the collection agency on XX/XX/XXXX @ XXXX. I spoke to XXXX who advised me that they have a settlement amount of $ XXXX. I advised the agent of the letter I received from them and he told me I need to send them a copy of the letter I received as proof. I offered to pay the correct balance that I owe in full if they would update the debt amount shown on my credit reports. He declined and stated they need to receive the settlement amount. I never agreed to a settlement amount with the collection agency nor the apartment staff.
I am still being contacted by the collection agency for the incorrect balance. Last call from them was XX/XX/XXXX @ XXXX XXXX.
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| 10/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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( XXXX XXXX XXXX ) ( XXXXXXXX XXXX XXXX XXXX GA XXXX ) XX/XX/XXXX Re Acct # ( XXXX ) This letter is regarding the account linked above, which you claim is a collection I have with your company. This is an Official Notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act ( FDCPA ). Please note that I am requesting Validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that i dont owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 1692e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area.
For the purpose of the 15 US 1962 et seq., This Notice has the same effect as a dispute to the validity of the alleged debt and dispute to the validity of your claims.
Please Note : This is Notice an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status.
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| 07/03/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My name is XXXX XXXX. I signed a lease with XXXX XXXX back in XX/XX/XXXX. The lease was for 1 year term ending in XX/XX/XXXX.
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Texas XXXX National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX They have reported to the credit bureau that I did not full fill my term successfully. Stating that I owe {$3500.00}. Where did this number came from I don't know. I have attempted to disputes multiple times without success. They have changed the date and after it went to collections somehow they report as a late payment as if it a current matter. This is so confusing and frustrating. By all means, is false and I don't understand how they are allowed to do such malice. After many calls to the credit bureau and sending them supporting documentation how is it that they can falsely information & the matter is closed basically saying I'm wrong & they are right. I wasn't aware of a 3rd party to reach to help me until now that I came across CFPB.
XXXX XXXX scheduled a inspection date on XX/XX/XXXX in which the XXXX maintenance man came by to check and all was well. XXXX contact : ( XXXX ) XXXX I will attach the resident move out instructions given to me, the renewal offer that I declined because I found a home that was 5x the size and {$150.00} less. Also, the lease agreement Page 1. In addition, they even completed a form by my current landlord that I was completed my term successfully. I have followed their protocol giving them notices in advance and completed inspection prior to moving in to my residence of XXXX XXXX XXXX XXXX XXXX, Texas XXXX on XX/XX/XXXX. There is no balance due & successful completion was done of this term lease. Please help me to correct this matter but most importantly that no one else has to go though any injustice of suffer what this does to your credit allowing lenders to see you as unworthy.
Thank you for your time in this matter, XXXX
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| 05/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
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I am writing to report a critical issue regarding my credit profile, which has been compromised due to identity theft. National Credit System ( NCS ) has reported damaging information regarding a {$1200.00} debt that I am wrongly associated with. Despite my efforts, NCS and XXXX XXXX XXXX XXXX XXXX have failed to provide any supporting documents or address the situation adequately.
Attached to this letter, you will find a police report confirming that I, XXXX XXXX XXXX XXXX, have never resided in XXXX, Florida, where the alleged lease was established. This evidence, coupled with the lack of supporting documentation, undeniably proves that this incident is a case of identity theft, not a legitimate debt.
I urge the Consumer Financial Protection Bureau to promptly rectify this matter by removing the inaccurate information from my credit report. This fraudulent debt is jeopardizing my ability to purchase an investment property in a timely manner, and its presence on my profile has severe financial implications.
Furthermore, I request a thorough investigation into who these individuals are who have comitted this fraudulent charge. National Credit System and XXXX XXXX XXXX XXXX XXXX have yet to provide any documents such as lease or ID. i provided a police report which also says that i have no ties to anywhere even remotely close to XXXX Florida. By holding these entities accountable, you will not only safeguard the integrity of your credit reporting process but also protect innocent individuals from the detrimental effects of identity theft.
Thank you for your attention to this matter and for your swift action in resolving it. I have confidence in the Consumer Financial Protection Bureau 's commitment to fair and accurate credit reporting.
Please contact me if any additional information or documentation is required to assist in resolving this issue. Your understanding and cooperation are greatly appreciated.
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| 10/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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The collection company reporting to my credit report as a collection from these apartment complexes is national credit systems.
For XXXX and complex in XXXX Texas amount is {$9900.00} and XXXX XXXX Apartments in the amount of {$9900.00} have disputed this account information numerous times. Ive contacted both companies explaining my situation as I did not apply for these apartments, nor have I ever lived at any of these properties. I was told to dispute my matter with the credit bureaus in the collection agency. However, once Ive done, so I was told that the information disputed was accurate. It has been updated on my credit report as of XX/XX/2023.
Ive also explained to these companies that my identity has been compromised and with the proper protocols as far as disputing, I have gotten nowhere XXXX have ignored my complaint in XXXX XXXX and XXXX have listed on my credit report as accurate and verified.
I also have an account for XXXXXXXX XXXX, which is a collection agency I have no acknowledgment of this account I have sent in mini dispute letters which have been ignored or have been deemed as verify belonging to me, which is incorrect because my information has been compromised to obtain these credit cards in apartments The other account that I see on my credit report is from XXXX XXXX, which I have never owned a XXXX XXXX account nor have I had a phone from XXXX XXXX, and they are reporting to my credit reports as past due and sent to collections again I have disputed many times and gotten nowhere. The only feedback that was sent to me via mail was all of my disputes have been verified and accurate which is incorrect and needs to be removed from my credit report.
With these negative items on my credit report, it is hindering me from getting a apartment a new credit card or any loans and it is bringing down my credit score tremendously, which is affecting me in my goals for becoming a homeowner one day.
|
| 06/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
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Web |
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Respected Sir, I Vacated an Apartment in XXXX and while I was staying there on Notice period, no one came for Inspection on premise. When I vacated I got a huge bill of XXXX PLUS XXXX, Stating proper notice was not given and lease was broken. But when I reminded about my submission of my employer letter, they then reduced the amount.
Then again in the new bill, they mentioned they replaced kitchen counter top and charged me, which was fine when I left.Then I asked for proof like photo, which was not sent. Then National credit system called me as a collector for debt and I mailed XXXX that I DISPUTE claim, still they went ahead with collection agency. Collection agency mentioned if out of XXXX, I owe I pay XXXX ( minus countertop ) they will not report to credit beaureu and I paid that. Inspite of that, now when went with home purchase, to my surprise, because of remark from National Credit system my loan was rejected to low credit score.I called national credit system then told If I pay remaining another XXXX USD to settle in full they will remove it. Still now I can see a statement saying Settled less than full amount in Credit score. National credit also issued me a letter that I owe nothing. Still it is appearing on credit report. I have been a law obeying and good person, but such incident has left me shattered. Please help me, when I have Disputed the claim, how was this handed over to National Credit system. Why did national credit system say that once I pay for amount minus Countertop replacement which was a dispute, they will not put in credit report and still went ahead and put that. Also now also they are not removing it from my credit report affecting my home purchase and interest rates. Also XXXX reduced the final bill XXXX accepting that original bill was incorrect so is this not means to extort money, if they is no resistance. I have full faith in truthfulness and American Justice so please help me.
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| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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About a year ago I had to break the lease at my apartment complex, XXXX XXXX at XXXX XXXX, due to work related issues. This resulted in a balance due on my account which I was unable to pay by the deadline and as a result my account was referred to a debt collector, National Credit Systems. When my account was referred to this debt collector the apartment complex provided them with my contact information. I know this because I have been receiving communications from National Credit Systems for a few months now. Today I received a text message from an ex-boyfriend/friend whom I have n't spoken to in about a year stating an XXXX XXXX called his cell phone and left a message looking for me. Upon calling the number that was left in the message I realized the call had come from National Credit Systems and was in regards to the debt from XXXX XXXX XXXX. Even though this company has ALL of my contact information, they somehow felt the need to reach out to the individual I listed as my emergency contact on my rental application in an attempt to locate me. This not only blew my mind, but was rather confusing to me being that they already have my contact information. The phone number they have for me is in service and always has been and they have contacted me on that number before. The mailing address they have is a good address and they are aware of this because I continue to receive mail from them. I 'm not sure if this is normal practice but when I listed an emergency contact on my rental application I was under the impression that individual would ONLY be contacted in the event of an emergency while I was a resident at the complex. I was not aware that this individual would be subject to receive calls from debt collectors attempting to locate me a year after I vacated the property. I 'm not even sure why the apartment complex provided my emergency contact person 's information to the debt collector in the first place.
|
| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I have been disputing an account with National Credit Systems ( NCS ) for the past 8 months regarding application to XXXX XXXX XXXX XXXXXXXX, a property that XXXX XXXX XXXX had ownership of between the years of XXXX, the time of original application. My application did not qualify due to the complexs minimum monthly income-level requirement. I was notified that my residency would only be approved by XXXX XXXX by providing an eligible guarantor. Because I did not have access to a guarantor at this time I was not able to pursue residency at XXXX XXXX. Consequently, I resided elsewhere for my XXXX career. Afterwards, I became aware that XXXX XXXX XXXX turned me to NCS. NCS has claimed and reported to all credit bureaus for the previous 4 years that their " client '', The XXXX XXXX XXXX XXXX XXXX a debt of {$5600.00} for the entire lease term for which I had made application and was unable to take on residency. In addition, NCS has repeatedly stated to me that their client would not accept a settlement in the amount of less than {$4000.00}. However, upon contacting their client directly and speaking with management, XXXX XXXX, I was provided documentation stating the attempt was to collect only {$1500.00} according to the ledger generated XXXX XXXX XXXX. In addition, XXXX XXXX reported that due to the age of the account, I could contest the debt with her help upon NCS contacting their client directly. However, NCS has stated that they do not contact clients and continues to claim their client pursues a debt of {$5600.00}. After submitting documents that their client reported a debt of {$1500.00}, I was informed by my " agent '' that an investigation to authenticate documents would be made and based on conclusions appropriate action would be taken. As NCS has been shown to falsify information, I have no confidence in their investigation. I need a resolution to this issue according to their client to contest this debt
|
| 03/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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Today marks 2 years i have been fighting inaccuracies on my credit report. National Credit Systems has been removed from my credit report BY AN ATTORNEY over 5-6 times LAST year. It is continually being replaced after removal back onto my report. My credit score suffered because of this allegation. During this pandemic, this inaccurate reporting cost me dearly and my family suffered throughout losing everything. I have done a consultation with an attorney. He advised according to Arizona Landlord Tenant Act ( A.R.S. 33-321 ) it was a violation because Normal or 'fair ' wear and tear refers to gradual damage you would expect to see in a property over time. For example, damage to carpets, fixtures, and fittings is extremely difficult, if not impossible, to avoid over a period of months and years. We are talking about a decolorated blind stained by the sun. This means any deterioration in the property that is caused by regular use. The landlord then proceeds to state cleaning fees of {$250.00}. The unit was cleaned thoroughly by myself moving in and moving out which i uploaded the video for her to see and she explained the stove felt greasy and i could NOT see it on the video. According to AZ state law, landlords are expected to clean between tenants but charges a cleaning fee when unwanted items are left behind. I cleaned this unit and took every carpet and tools the maintenance man left behind to the office before moving my furniture in. I cleaned thoroughly before leaving.
After my consultation, i was informed that it was a violation of the Landlord Tenant Act and If a credit bureau 's violations of the Fair Credit Reporting Act are deemed willful ( knowing or reckless ) by a Court, consumers can recover damages ranging from {$100.00} {$1000.00} for each violation of the FCRA. National Credit Systems has not only violated Arizona State Law but trampled over my rights with the help of the credit bureaus.
|
| 02/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I lived at the apartment complex from XX/XX/XXXX to XX/XX/XXXX. In XXXX of XXXX I submitted a XXXX day notice to terminate my lease early, which was allowed in the lease with a XXXX day notice. I received my final bill in XXXX and paid before the due date and had a {$0.00} balance when I turned in my key on the XXXX of XXXX. I left my forward contact mailing information as well as confirmed they still had my phone number and email address for further correspondance.
In XX/XX/XXXX, I receive a letter from a collections company " National Credit Systems , Inc. from XXXX, GA. They vaugely stated that I had not made a suitable arrangement to resolve the above-referenced debt amount of {$830.00} to XXXX of XXXX XXXX XXXX I have not received any sort of bill or for that matter an explaination of why I did not receive my deposit back.
Approximately a week after the letter arrived I received a phone call from XXXX XXXX stating that I owed this debt. I advised him that I had not received any itemized description of this debt. He said that if I give him my email that he would send it to me. I told him that I will not give him that information and that he can send an itemized invoice throught the mail just like the last letter. He then stated that I was being difficult and that he would escalate this to the next level and then disconnected the phone call.
After this I sent a certified letter with return receipt asking them to explain the debt and show proof that I owed them the debt via XXXX. I received the return receipt XX/XX/XXXX. Today XX/XX/XXXX I received a letter dated XX/XX/XXXX that is the exact same letter I received the first time. I have both letters in my possesion. I also received notice XXXX days ago via email that the collections agency has reported this debt on my credit report.
My official complaint on this company is their actions are in violation of the " Fair Credit Reporting Act ''.
|
| 01/26/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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On XX/XX/XXXX I was contacted by XXXX XXXX Assistant Property Manager XXXX XXXX XXXX XXXX XXXX regarding an outstanding bill XXXX. ( see email ) On XX/XX/XXXX. XXXX. I was contacted by XXXX XXXX Property Manager XXXX XXXX XXXX XXXX XXXX regarding alleged amount I owed for move out cost. I disputed the amount and asked for an itemized breakdown. I was giving an estimated and not itemized invoice services were completed. ( see email ) On XX/XX/XXXX. I was contacted by XXXX XXXX regarding the drywall. Ms. XXXX stated, " I am waiting for XXXX XXXX to x your drywall on Thursday. Once I get an itemized invoice from them I will forward it to you. ( see email ) On XX/XX/XXXX, I contacted Ms XXXX via email. I asked for an updated regarding the itemized invoice. ( see email ) On XX/XX/XXXX. I contact XXXX XXXX Employee Relations Manager of XXXX XXXX XXXX via email with XXXX XXXX CC on the email. I let Ms. XXXX know I have not received any correspondence regarding the itemized invoice and I offered solution to the matter. ( see email ) XXXX XXXX stated they found a second drywall vendor and will get it done this week and XXXX XXXX stated, XXXX XXXX has not completed the drywall because the employee who handles all the drywall has been out on leave. XXXX XXXX expects to complete this by XX/XX/XXXX.
Until this day. I have not heard from XXXX XXXX, XXXX XXXX, or anyone at XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX. I never received an email, a phone call, or mail regarding itemized invoice for services rendered.
XX/XX/XXXX, I became aware of a collection account on my credit from national credit systems that was reported on my credit report on XX/XX/XXXX. I have never received a call, email or mail from national credit system. I never had the opportunity to dispute this collection.
POC : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX
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| 07/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I began corresponding with XXXX XXXX a manager with National Credit Systems , Inc around XX/XX/2021. This is the time I became aware of a collection on my credit report for an apartment rental in XXXX, TX. The apartment was rented in my name when I lived in XXXX, California.
I contacted National Credit Systems via telephone and Mr. XXXX returned my call. He emailed me a fraud affidavit to complete and return to him, which I did. On XX/XX/2021 he acknowledged receipt of the completed fraud package. On XX/XX/2021 Mr. XXXX advised me via email that the investigation could take up to 30 days to complete. After receiving another call from National Credit Systems regarding a payment for the debt, I again contacted Mr. XXXX via email asking why his agency was still contacting me for payment. He responded with an email on XX/XX/2021 stating that call was to inform you of the confirmation number for the credit removal. We processed the request for removal please refer to ( AUD # XXXX XXXX as confirmation.
The collection item was removed from my XXXX and XXXX credit report but continues to be reported as accurate on my XXXX credit report. I have disputed this item three times with XXXX and every time the dispute has been completed as verified consumer debt.
I reached out to Mr. XXXX on XX/XX/2021 via email informing him that XXXX was still reporting this debt on my credit report. He responded on XX/XX/2021 asking for a copy of credit report that still shows the debt. I complied and emailed him a screenshot of the debt listed on my XXXX report. Mr. XXXX has not responded since that date. I have emailed him several times since requesting an update on removing this item from my XXXX report.
XXXX has show no regard for my health and well-being. I have submitted to XXXX the completed fraud affidavit and the email correspondence from Mr. XXXX but they have three times verified the debt as mine.
|
| 05/05/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I rented at the XXXX XXXX XXXX. Since I moved there it was nothing but problems. For starters the gate arm constantly kept falling and one day it fell on me so I went to XXXX because I was so paranoid and scared. I gave XXXX ahead of time and constantly had to deal with stress and nightmares about the gate arm because everytime I went in and out I was worried sick. I was worried that it might fall on top if me or my kids again. On top of that the ceiling and the walls leaked water after it rained. There were areas that looked moldy. There were many many issues and I couldnt deal living there anymore so I left. I now owe about XXXX because I left but who the heck can live in such a unsafe community? I got a lawyer and there was a settlement for the gate arm accident. I tried telling the community that I couldnt not be there anymore because of the ongoing issues the nightmares and the anxiety. I asked if my debt could be forgiven and I was told no. I was told I could pay 60 % if my debt. I said I barely have money Im a XXXX mom with XXXX kids struggling but I got the funds. I asked if I could have this removed from my credit which is my main concern and i was told no. I would only have a settled debt on my credit and it will remain on my credit. How is this fair when the only reason I left was because this place was unsafe to live at. I had continuous nightmares of the gate arm falling on top of me or my kids or the ceiling falling on top of me or my kids because of the ceilings and walls that were soft from getting wet all the time. They should be ashamed of them selves for renting out a place like that and having a gate arm falling all the time. I cant have this on my credit report XXXX a mom thats XXXX with XXXX kids and only count on my income. I cant even rent a place now and we are probably going to end up under a bridge at this point if this isnt resolved. Please help this is unjust
|
| 10/01/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Two different collectors are charging me on behalf of an apartment complex for rent. They are also charging the wrong person. I never owned a apartment on XXXX XXXX XXXX XXXX Tx XXXX. The person who actually had a lease agreement at the apartment ( the collectors are trying to charge me DOUBLE for ) is named XXXX XXXX XXXX. XXXX date of birth is XXXX XXXX XXXX and his S.Security # XXXX. These charges belong to XXXX XXXX it was his lease and the apartment XXXX said she had to have my name since I was his girlfriend just so when staff saw me they would know I had a right to be there as a visitor but that was a lie because now Im stuck with two bills.
Now I will list the two credit collectors : 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 ( side note : here they are lying about the Date open again when its XXXX ) * This is fraud. These companies are trying to get over on me and was very nasty when I called them about this and the they both updated the the open dates after I phoned them. They told me I had to pay this when I never got this apartment in my name! AND both of them are charging me for the same apartment and different prices! Help please. This should not be in my credit report. I also want to add that XXXX XXXX had stayed full term at that apartment but on the last month he was supposed to pay rent, he did not pay. Instead he moved out with it BUT that was only {$1000.00} he didnt pay so where are they getting over {$3000.00} from? Nothing about this is right. I even called the apartment complex ( XXXX XXXX ) and they have know idea what these collections are about and they couldnt find me in their system either!
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| 05/30/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Indicated shouldn't respond to lawsuit
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX submitted a false, discriminating, emotional distress and derogatory allegations against me and my important credit bureaus. The creditor previously submitted a hand written notation pm a notepad without letterhead overstating charges that were not backed by the parts and labor receipts required to prove the creditors actually costs. I called the collection agency numerous times and disputed the amount with all the credit bureaus. I had filed a complaint with HUD & the XXXX XXXX XXXX regarding harassment, emotional distress, mold and overcharges. My lease was paid in full XXXX XXXX and nothing could be done while HUD & the XXXX was investigating my claim. I did owe only XXXX months rent of {$740.00} for XXXX in which the creditor filed a civil judgement for, However, he accused me in the correspondence sent to the collection agency of stealing electricity, damaging the water meter, {$500.00} to clean my oven, cutting holes in the molded attic insulation, {$500.00} to clean my dogs XXXX which was barely a couple in a XXXX yard? Claiming other miscellaneous things like accusing my son living permanently with me ( {$2500.00} )? ..I was on a month to month after completely my lease in XXXX XXXX and left in XXXX XXXX.The collection agency said I was responsible for the time it takes to fix up the apt XXXX Well it does not take 3+ months to fulfill the work. The creditor filed this collection in XXXX XXXX. The collection agency has a bad XXXX reputation. ( National Credit Systems ) out of Georgia # XXXX my acct # XXXX. I have been on XXXX XXXX since XXXX and the reviews of that property have been horrible. They also filed for Chapter XXXX bankruptcy in XXXX XXXX and it was dismissed for failures to abide by the judges rulings. The attorney representing is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX # XXXX. I contacted him and he was of no help at all!!
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| 11/21/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter from a company called National Credit Systems , INC .
XXXX XXXX XXXX XXXX, GA XXXX On XX/XX/ I received a letter Demanding to pay XXXX for a debt I had never heard of. On Sunday XXXX the collector had reported this alleged debt to the credit agencies. I called them XX/XX/ on Monday because I was unable to reach anyone during the weekend to ask what the debt was for. I had no knowledge of this debt or accusation. When I finally spoke with someone she informed me that the debt was for alleged damages to an apartment I had lived in for 5 years. I moved out of the apartment in XX/XX/. Since XXXX I have had no knowledge of this debt and was not notified ever by the original creditor. I immediately requested to dispute the charge. The allegations are false. The original company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IL XXXX ( XXXX ) XXXX had violated several Illinois tenant rights. I was not given enough time or notice before it was reported to the credit companies to even address or dispute the matter. I was not given an Itemized list for said damages. I had quarterly inspections on my apartment and had never had a bad report to my knowledge. As on XX/XX/ I have never even seen a report. Any issues I had with my apartment were reported in a timely fashion. I have several neighbors, witnesses, family members, and the Property manager who worked there for 30 years before she retired on stand by to write letters of the conditions of the apartment and my character.
When I moved out XXXX XXXX reported to my new landlord that I was an excellent tenant. Which I have proof of and will provide written documentation of that. The company National Credit Systems was supposed to email me the dispute claim form to fill out and I have not heard from them. I have never had a collection on my credit. This is completely false and they are using this as a tactic to scam me out of money.
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| 08/18/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX {$4100.00} XXXX left them multiple emails regarding this situation and I had someone throw paint on my door. Someone destroyed my apartment and claimed I did it just like my neighbor next door got into an argument with me and the paint on my door and they did nothing. I had to pay for a hotel because I didn't feel safe. i'll came to the front office and they aren't there or it's closed early or they don't answer their phone I leave messages I leave emails at this point there is nothing else for me that I can do they refuse to return any of my phone calls or respond to any of my emails in regards to XXXX issues that I have in regards to this apartment since I've been there I've had XXXX XXXX XXXX XXXX from this carpet that it took them a month of me contacting and begging them to clean and i eventually ended up in the hospital I now had birds in the walls of my apartment and I've looked outside on the side of the house and there are holes that they have constantly made a noise pecking at to get into the building and now they are living in the walls I started getting pest issues from all the trash that is constantly left around the entire neighborhood I now have pictures of proof of everything from the dirty hallways the overflowing trash the dirty disgusting breezeways the amount of times that I've tried to contact them with no luck and on three different occasions now there have been gunshots near my apartment in my home and my safety is now questionable I also have recordings of one of the shooting incidents they are refusing to do anything the gate has been broken for almost 6 months now and no one is caring about the safety of the people that live here and I am expected to give rent when I do not feel safe living here i ended up losing my job due to me being XXXX XXXX XXXXXXXX XXXX This was a very toxic living situation. I can not pay
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| 07/07/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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On XX/XX/21 I sent a debt validation letter to National Credit Systems certified mail. They had 30 days to respond and I never received anything. They couldn't validate the debt so I demand that this account is deleted of all credit reports.
Pursuant to 15 USC 1692g ( b ) If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the 30-day period referred to in subsection XXXX a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the 30-day period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. The term debt means any obligation or alleged obligation of a consumer to pay money arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, or household purposes, whether or not such obligation has been reduced to judgment. I was in a consumer credit transaction and I am the original creditor. As the original creditor I do not validate this debt.
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| 12/13/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After going over the validation letter There is nothing on there that i owe union flats. The rent on there says potential which means its what would be owed had I not moved out which there was a mutual agreement between site manager XXXX regional manager XXXX XXXX and my section 8 worker XXXX XXXX for me to break my lease. Also in the letter it speaks about the carpet cleaning in the lease states that we can clean it or allow union flats to clean it and deduct it from the deposit. I lived there 2 and a half year and there was no damage to the walls, I didnt have small children and anytime i may have made a spot i would clean immediately so no reason to paint. XXXX XXXX XXXX XXXX XXXX XXXX in it which if replaced it would have come from my deposit being that i never received my deposit back nor was i awear of these charges, Ive not been there for two years. I sent a copy of the email to national credit system collection with the move out information. After a month of this company saying they did not receive my letter I finally got someone that said it was there in my file which was XXXX XXXX. After going over everything with XXXX XXXX she informed my that the attorneys are saying they contacted union flats who stated i chose not to accept there offer. I explained to XXXX XXXX i was the one who initiated the move out so there's no way they spoke to anyone at union flats because they would have seen the corresponding email between myself the site manager the regional manager and section 8 worker. Had i not gotten permission to break my lease from all involved and moved anyway I would have been kicked off the housing program. Still I was informed that the collection will stay on my credit report until paid or a payment arrangement was made. I was also informed that they would make it hard for me to rent anywhere else or establish credit with anyone as the negative mark will remain.
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| 08/26/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I rented an apartment from XXXX XXXX XXXX in XXXX XXXX, CA in XXXX of XXXX. I paid a {$900.00} deposit upon move in. During that time the property was sold to XXXX XXXX in XXXX. When I moved out on XX/XX/XXXX, they claimed I did not pay a deposit even through I provided them proof with a cancelled check. When I moved out, I paid a {$1200.00} termination fee. XXXX is claiming this amount is {$1800.00}. After they had me sign a new lease with them ... .they changed the {$1200.00} amount to {$1800.00}. When I moved out I had the unit professionally cleaned. XXXX claimed I did not clean it and charged me a bogus {$130.00} amount claiming they had to have it cleaned. I had already paid a cleaning service {$150.00} days earlier to clean the apartment. The rental manager ( XXXX ) ( XXXX ) XXXX told me not to repaint or fix small holes for pictures in the walls as I had only been there a short time. I was then charged {$120.00} for painting. I payed what was owed when I moved out including utilities and the termination fee on XX/XX/XXXX. I did not hear from them again until receiving a collection notice from National Credit Systems in XXXX, GA ( ( XXXX ) XXXX in XXXX of XXXX. When I call the apartment office, XXXX, the office manager referred me to XXXX at XXXX XXXX XXXX ) XXXX I have left ( 4 ) messages for XXXX and he has never called me back. I have left ( 3 ) messages for XXXX XXXX from National Collections and she has never called me back. The collections amount is now on my credit report, and this is now keeping me from purchasing a home. I would appreciate any help to have this bogus charge of {$920.00} removed from my credit report.
On XX/XX/XXXX, I provided both XXXX XXXX XXXX and XXXX XXXX a detailed letter explaining the discrepancies that accompanied by check for {$74.00} for utilities owed through XXXX of XXXX. I resent this letter to both parties this month, XX/XX/XXXX.
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| 10/11/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The GLBA clearly states a credit reporting agency would have to be a part of an affiliated party to National credit systems in order for them to be exempt from providing me with an opt out notice before reporting my non public information. By definition in the GLBA NATIONAL CREDIT SYSTEMS is a financial institution and I am a consumer not a customer of National credit systems. And as a consumer I have a right to privacy. NATIONAL CREDIT SYSTEMS is in violation of the Gramm Leach Bliley Act and never had writtenpermission from me to report anything to me without first verifying the validity of a debt. If this persists it will fall under a violation of 18 usc 242 deprivation of rights under color of law : WHOEVER ( National Credit Systems falls under this definition ), under color of any law, statute, ordinance, regulation, or custom, willfully subjects any person in any State, Territory, Commonwealth, Possession, or District to the deprivation of any rights, privileges, or immunities secured or protected by the Constitution or laws of the United States, or to different punishments, pains, or penalties, on account of such person being an alien, or by reason of his color, or race, than are prescribed for the punishment of citizens, shall be fined under this title or imprisoned not more than one year, or both ; and if bodily injury results from the acts committed in violation of this section or if such acts include the use, attempted use, or threatened use of a dangerous weapon. I consider reporting to my consumer report as a dangerous weapon that is causing me mental and physical harm which could lead to my death. If this happens you will be liable as this complaint will be on the record. and if death results from the acts committed in violation of this section shall be fined under this title, or imprisoned for any term of years or for life, or both, or may be sentenced to death.
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| 11/09/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Tittle : Debt Validation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN XXXX Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Stating your claim is disputed and validation is requested.
This is not a request for Verification or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus { XXXX, XXXX, or XXXX ) this action may constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character.
If your offices can provide the proper documentation as requested in the following declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit a credit reporting repository that could be inaccurate or invalidated.
If your offices fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.
XXXX XXXX XXXX XXXX
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| 10/24/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Dear Sir/Madam, I moved in to XXXX XXXX Apartment Complex ( https XXXX XXXX ) in XXXX in XX/XX/2017 and since the day I moved in, I had so many issues. I filed official complaint on their website and through emails so many times. I got bedbugs and had small, weird looking bugs all over my room. They were coming in from the sink, windows and they were everywhere. I am extremely clean person and I have XXXX for bugs. I start XXXX as soon as I see a bug. I also have XXXX XXXXXXXX. Maintenance went in to my apartment many times and sprayed and tried to terminate the bugs but they couldn't. It just affected my health as the bug sprays made me XXXX and I kept on having XXXX XXXX. Maintenance manager said as it's an old apartment complex, the pipes are very old and these bugs come in through water pipes and also through A/C filters. It's against human and consumer rights to force me to live in a such a horrible home condition. It's deceiving the consumer with nice pictures of the apartment unit and saying it's luxury and then I faced with the reality. Then I got robbed in my apartment at the end of XXXX. I also filed police report. That apartment complex is a horrible place to live in so I moved out in XXXX. The robbery affected me XXXX as I am a single woman and I could be killed if my dog didn't save my life. I don't owe this awful complex any money but they try to charge me for leaving the apartment and terminating my contract before due date. They're lucky that I didn't sue them. If I knew I'd have so many issues about cleanliness and safety, I wouldn't have moved in in the first place. So they cheated on me, misrepresented the apartment unit then tried to charge me for leaving the apartment to save my life and then sold my account to a collection agency. I would like this apartment complex to be investigated and get penalty as well as the collection agency.
Regards, XXXX XXXX
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| 11/17/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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NATIONAL CREDIT SYSTEMS is in violation of 48 of the FDCPA Laws as you can see in Exhibit A, B, C, D & E. Also they are in violation due to multiple phone calls I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC 1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond satisfying the FDCPA requirements. They have failed to do so on multiple attempts as seen in the exhibits they have continuously harassed me and continuously sending a STATEMENT and a statement does not constitute a Debt. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false. NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I want remedy by paying the invoice included of {$48000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. If I do not receive payment for violations I will escalate this matter to court!
Thank you, XXXX XXXX
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| 01/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I moved into XXXX XXXX apartments in XXXX, South Carolina on XX/XX/XXXX as a subletter with a subletting lease facilitated by XXXX XXXX. At the time XXXX XXXX was managed by XXXX XXXX XXXX. I filled out a form provided by XXXX upon move-in detailing all existing damage to the unit, mostly paint chipping, and took photos of the existing damage ( attached ). I moved out on XX/XX/XXXX at the end of my lease with a smooth checkout process facilitated by management, no damages incurred during my stay, and all debts ( rent ) paid. I was contacted by a debt collector in fall XXXX regarding {$270.00} owed to XXXX XXXX for the unit damages that were already there and reported upon move in. I was never contacted by XXXX or XXXX directly regarding these charges. I asked the debt collector to dispute the charge, but was not able to get in contact with them again after the initial call. I tried calling XXXX XXXX to dispute the charge, but they are under new management and have no records of me or the woman who I subletted from, nor any records of debts owed by me. I tried getting into contact multiple times via phone and email with XXXX but was not able to reach them. The debt owed has now hit my credit report, with a significant impact lowering my score from XXXX to XXXX, and I am told this will remain on my report for 7 years. I tried disputing this with XXXX XXXX, however they verified the charge with little explanation of their research into the dispute and have kept it on my credit report. I am hoping to have this incorrect charge revoked and removed from my credit report. As I am looking to buy a home in the near future, this impact of a wrongful charge will severely impact my ability to secure a mortgage and have a very large negative impact on my life for a debt that I do not owe. I greatly appreciate your help in reversing this and helping me to clear up this misdirected charge.
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| 08/24/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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National Credit Systems first sent me a letter to collect a debt of {$2400.00} in XX/XX/XXXX. The letter stated that I owed XXXX XXXX XXXX {$2400.00}. I disputed the claim immediately with XXXX. It was not taken off my credit report. I felt I didn't own this money because I had tried to move out over a 4 year period and the landlord refused to let me out of my lease. Each time I would give her notice she would tell me to wait till the last day of the month in my lease to move, then she would threaten eviction sometime in the last two months because my new place wasn't quite ready, I would sign a new lease to keep from being homeless. I partially cleaned up the apartment ( so the landlord should have kept my deposit and that all ). Left the apartment, Almost like it was when I move in 7 years before.
She did not go to court to put it on my credit report but worked with this credit collection agency to establish this false claim. National Credit Systems ( XXXXXXXX XXXX XXXX XXXX, GA XXXX, phone number : XXXX ) refused to send any statement listing as to why I owe this money. XXXX XXXX, the guy that oversees this account claims to be an attorney and has threatened to garnish my check in the XXXX of XXXX. I took them to court in XX/XX/XXXX and lost because this is legal in the state of Mississippi and I did not have supporting documentation at the time of why I felt they owed me XXXX dollars. On XX/XX/XXXX, I received a letter offering a resolution in the amount of XXXX dollars. On XX/XX/XXXX, I paid {$1200.00} for a resolution and report it to XXXX but it is still on my credit report today. The credit collection agency is still asking for another XXXX dollars, although they ( collection agency ) asked for the resolution. They have changed the original date of the complaint to XX/XX/XXXX. They also change the reporting date with other reporting agencies ( XXXX and XXXX ).
|
| 06/17/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
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Good evening, I am past due on the rent from XXXX XXXX XXXX XXXX XXXX XXXX, Unit XXXX, XXXX XXXX, FL XXXX, due to the pandemic. It was for the last two months of the lease only. Otherwise, I was an excellent tenant. They were offered a credit card but refused it. I lived there for 5 years total and I also asked to be released from the lease without penalty for XXXX and XXXX but I received no response. It was beyond the state statue for sales tax on short term rentals which is 6 months and 1 day.
They sent my debt to National Credit Systems XXXX. XXXX XXXX XXXX, GA XXXX.
I was laid off due to the pandemic. I called National Credit systems on XX/XX/21 and left a message and again a week late and spoke with XXXX XXXX. I informed them that I applied to XXXX XXXX for rental assistance due to the pandemic and that they had permission to speak with them. However, XXXX informed me that they could not speak with a debt collection agency. I have sent two emails to XXXX with no response from them. I asked them to recall the debt and have it paid in full. I finally filed a complaint with the Dept. of Agriculture and Professional regulation.
I received a threatening phone call this evening from National 's lawyer. I have been trying to work with this management company. They have not offered the best service in XXXX XXXX anyway. XXXX was in trouble just a couple of years ago for taking affordable housing tax credits and writing leases to people who worked outside of XXXX XXXX. So, they do not have the best reputation.
I would like to resolve this issue and move on. I have been informed that my application is moving through the system and I expect it to be approved within a few weeks. They said it takes 6 - 8 to complete the process.
National 's lawyer called my business phone number which is illegal.
They want to get paid yet they refuse to cooperate. What else can I do?
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| 02/04/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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I am ask for help to get this debt that is over seven years old and should have been removed from all my credit reports but still it remains by a collections agency who keeps updating it ever month and I moved out this apartment because the office ask me to move because I have children who are XXXX ill and my son has one of his XXXX XXXX and tried to attack us and my niece called the police and they kicked in the door and was wrestling with my son and destroyed the house and put holes in the wall and the apartments said it was my fault that the police kicked in the door due to my son XXXX XXXX and put holes in the wall and they said I had to pay for it but I feel the police should pay for it not me my son can't help he is XXXX ill so I moved out and she hired a collection agency to put it on my credit reports because I said I wasn't going to pay for something I wasn't responsible for this happen in XXXX XXXX I didn't have any control over the police kicking in my door and putting holes in my walls I also have pictures of my apartment and the holes in the wall was fixed and the office came and fixed the door and she told me that she was going to make the police pay for the walls and doors they tear up but she lied she put it on my credit instead NATIONAL CREDIT SYSTEM Original creditor : XXXX XXXX XXXX {$5200.00} Balance updated XX/XX/XXXX Account Info Hover over labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Paid off : 0 % Balance on XX/XX/XXXX Original balance {$5200.00} {$5200.00} Payment Info Original balance {$5200.00} Balance {$5200.00} Status Seriously past due date / assigned to attorney, collection agency, or credit grantor 's internal collection department Status date XX/XX/XXXX Additional info Comments Dispute resolved consumer disagrees Your statements- Contact XXXX XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX
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| 08/16/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The collection letter I got from National Credit Systems contained no information about how I can dispute this illegitimate debt. National Credit Systems only Instructed information on how to pay but nothing on how to dispute this debt. I was originally let out of an apartment lease due to severe medical conditions and provided a letter from my Doctor to the apartment Manager who advised me there was no problem. Once I got a collection letter from National Credit Systems I was confused. I tried calling this collection agency to advise of my dispute and requested to speak to a manager. I was immediately advised by the lady who answered the phone that I could not speak to a manager and was instead transferred to a collector named XXXX XXXX. I explained in great detail about my medical condition, the Doctor 's letter I provided to the apartment manager and why I disputed this illegitimate debt. In the middle of my explanation and without warning he placed me on a very long hold. when XXXX XXXX finally returned to the line, he talked over me and interrupted me with loud and rude demands for payment. I again advised of me dispute and then he rudely hung up on me. The phone conversation I just described took place on XX/XX/2022. I fully expected that I would receive some sort of an attempt at validating this debt and maybe even a call from a manager apologizing that I was denied ever even speaking to in the first place. I called National Credit Systems again on XX/XX/2022. This time I was again denied my request to speak to a manager and got same XXXX XXXX on the line. this time I hung up on him due to my previous treatment by him. National Credit Systems never validated the illegitimate debt and only threatened me with ruining my credit report. Please do something about this as I am suffering from much XXXX which is only aggravating my medical condition. Thank you who
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| 01/31/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XXXX XXXX I received a call from XXXX XXXX from National Credit Systems about a collection attempt from a past due rent amount that included other charges for XXXX.
Through our conversation she was very argumentative and asked for a payment today. I told her I do not get paid until Thursday and I could not afford to make a payment until then. At the beginning of the call she made reference that they would report to my credit report if they did not receive payment. Towards the end of the call I asked directly if it was going to be reported to my credit report today and she said yes and I said so there is nothing I can do and she no... I then repeated that she has said at the beginning of the call that it would be reported if I didn't make payment and then she replied yes that is correct but you are not making payment. Then she back tracked and said she never said she threatened to report to my credit. She also called me in XXXX and I remember that I was busy trying to get my daughter ready for a funeral ( her grandfather had just passed away ) and I told her she called at a bad time and her first words were you don't even have time if it has to do with your credit report? LISTEN TO THE RECORDINGS!!!! I am not ok with the threats of using my credit report. She is also consistently insuating that I am lieing about what I am disputing and I do not appreciate someone who was not there to even try and discuss the issue at hand. When I asked to speak to someone above her she told me she is the person that handles the escalations and did not allow me to speak to anyone. I even tried to talk to her more calmly and she still went back to trying to argue the situation. Please do not allow this person to continue to treat people this way. Its not how you handle situations and you definalty do not threaten someone's credit report!!!! Again listen to the recordings!!!!
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| 07/02/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : XXXX To Whom it May Concern My Identity has been stolen from XXXX of XXXX till Spring of XXXX. I was currently living in XXXX California at the address stated above.
I have a couple reasons to back up my claims this is an identity theft fraud : 1. There have been MULTIPLE frauds Ive had to overturn on my account since XXXX of XXXX.
2. I reived a letter from XXXX XXXX that my data had been stolen, including my social security number. The theives have used my old address XXXX XXXX XXXX XXXX, XXXX CA XXXX which I have not lived at since XXXX of XXXX. You will see my original application, lease agreement, and notice to vacate attached to this document.
2. There are major holes in their claims because they used an old address that I no longer use. It just happens to be on my driver 's license still which I have NOT updated since I moved in XXXX of XXXX.
3. What's more? They took out these lines of credit in these apartment buildings states Ive never been to and places Ive never been to.
5. Ive created a credit fraud alert to the credit bureau and I have frozen my credit.
THESE ARE THE FRAUDULENT ACCOUNTS : XXXX XXXX XXXX {$1500.00} XXXX XXXX AMOUNT UNKNOWN Ive attached all the copies of police report, notice to vacate the XXXX address, income statements mailed to XXXX address stated above ( I rent so I do not pay utilities personally ), copy of my drivers license which has not been updated since I moved out of XXXX ( primarily because of COVID and I havent gotten around to it. ), and the signatures of the cop who filed my police report.
Please let me know if I can assist you in this matter further. I had a near perfect credit score before this ( almost an XXXX ) and I would very much like my credit score to be reinstated to its rightful score and have these fraud claims overturned.
Sincerely, XXXX XXXX
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| 01/06/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is a follow up complaint to what I submitted on Monday, XX/XX/XXXX against XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, Ph : ( XXXX ) XXXX. Myself and my mother called dozens of times on Monday because their faulty system took double payment from us. See other complaint on account # XXXX for details.
I was told by XXXX ( alleged manager ) that he would forward my information to processing and that I would be refunded by today XX/XX/21. As of XXXX, I have not been refunded for the extra {$710.00} that was taken from my checking account without authorization. I was told on XX/XX/21 that they would reverse this extra payment and that the processing lady " catches these mistakes '' right away. Both the authorized payment of XXXX and unauthorized amount of {$710.00} were posted to my XXXX XXXX account, meaning they processed both.
I called today several more times. I left a message with supervisor XXXX XXXX at approximately XXXX, and as of XXXX, has not responded to my request for contact. XXXX, another alleged supervisor, said that he would have to send my request to processing ( again ) because he couldn't see that she did not refund what was owed to me.
At this point, their behavior has turned criminal. They processed {$710.00} that I did not owe or authorize, have had several days to process the refund, and have ignored all my requests for contact. They also processed the unauthorized amount of {$710.00} instead of reversing the charge. This company is engaging in fraudulent behavior and stealing unauthorized payments. I want this money refunded to me. I would also like to be reimbursed for all the overdraft and late fees I've incurred as a result of this criminal behavior. To date, I have incurred two overdraft fees totaling {$39.00} each from XXXX XXXX, that would have otherwise been covered if not for their stealing an extra payment from me.
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| 02/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XXXX/XXXX/XXXX I lived in XXXX XXXX XXXX XXXX XXXX XXXX, XXXX n.c. XXXX in XXXX XXXX where a fire ensued. I was covered by insurance in full through XXXX XXXX XXXX company of Florida. My insurance paid XXXX in the form of XXXX checks ( I submitted the documentation ) on my behalf collected by XXXX XXXX XXXX the property owners at the time. XX/XX/XXXX I received a bill from XXXX for the 2 mos remaining on my lease. When I called I was told to disregard it as my lease was void as of the fire ... I did. In XXXX my account was given/sold to National Credit Systems for XXXX. The information I am providing will contradict information I have received from NCS. NCS claimed on XXXX/XXXX/XXXX that my insurance paid XXXX. However my insurance has provided me documentation that they paid XXXX XXXX for the damages created by the fire. Therefore they have been overpaid and should have returned my deposit of {$400.00}. I do not owe a balance at all. In the past I have had my insurance call XXXX directly as well as contacted XXXX and XXXX the property owners to no avail. NCS will not release this debt as they wish to be compensated for purchasing a bad debt. Furthermore it is my understanding that Steeplechase\and or NCS had 3 years to file a judgement against us for this debt they did not and the timeframe has since expired so this should have been removed on that basis if not the fact that I have provided substantial proof from the 3rd party ( my insurance company ) that they were paid before this debt went to collections. NCS has also resubmitted this debt to the credit bureaus XXXX ( in order to keep it from dropping from my credit ) indicating that they have made contact with us. THEY HAVE MADE NO CONTACT WHATSOEVER SINCE XX/XX/XXXX, when I contacted them. There is no debt owed and I would like this removed from my credit and the credit of XXXX XXXX immediately.
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| 09/28/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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A collection agency, National Credit Systems, is attempting to collect a debt in the amount of {$5800.00}. This debt was originally from XXXX XXXX in XXXX XXXX, SC. due to damage to a property by way of vandalism caused by a 3rd party in XXXX of 2020. To my knowledge, no attempt to collect this debt was made by XXXX XXXX before moving it to National Credit Systems. I was unaware of this debt until late XX/XX/2020. I had requested a hold on the account as soon as I was made aware of it while I attempted to work things out with Northwoods Townhomes but was not granted this. I attempted to reason with National Credit Systems, XXXX XXXX and XXXX XXXX, who is the owner of the property, that this debt is not mine according to the lease agreement drafted and approved by Northwoods townhomes and XXXX XXXX According to paragraph 12 of the lease agreement I can not be held liable for the damages if I am not found to have been negligent, those that did the damage were a part of my household, invitees or guests, or am found guilty of the act myself. None of which had been the case.
After explaining this to National Credit Systems and requesting validation of the debt I was informed by the agent taking my call that the only verification necessary for National Credit Systems to continue with the collection was that XXXX XXXX still considered the debt mine despite my legal claim to the contrary. This agent also threatened that a negative mark would be presented to the major credit reporting companies if I did not pay this debt on or about the the end of XX/XX/2020. In early XXXX I verified that this negative mark had been presented.
I have written letters formally disputing this debt to National Credit Systems, XXXX XXXX and XXXX XXXXl. Each of these companies have respectively told me that it is not their concern, out of their hands or outright ignored my request.
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| 06/25/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I received a final payment amount from XXXX XXXX that I owed XXXX on XX/XX/2020.
I terminated my lease 2 months early with a written notice which was required per my contract with XXXX. Which is what I provided. When XXXX reached out to me through Email several weeks later I advised that I was having some XXXX health issues and on XXXX. In the time frame that I was reached out to via email.
Now remind you that in this time frame WE faced a Pandemic so with that came jobs cuts and layoffs and less hours.
Well I received this letter on Monday XX/XX/XXXX from National Credit Systems for the amount of {$3100.00}. I contact XXXX with National Credit Systems advised her that my final contract and agreed upon amount from XXXX was {$1800.00}. And that was the final amount that was mailed to me as well.She states that the extra amount was a fee they charged. So they charged me an additional {$1200.00} dollars and they have ONLY contacted me one time and that was with the letter I received. So they charged me XXXX and they have done nothing. When ALL I owed XXXX was XXXX.
I have Federal student loans that don't even have that much interest and fees. So how is it possible that National Credit to charge me XXXX and they haven't done anything but send a letter. Also, while I was speaking with XXXX from National Credit she told me that at this time there was no settlement amount they wanted it in full. So basically they are telling me I have no other options but to get XXXX put on my credit just because they can. When my original Debt with XXXX XXXX XXXX was XXXX. How is that fair or legal in the State of Tennessee. With any debt I have ever had, I have NEVER been charged a XXXX fee from a Debt Collector. That is outrageous and something that i refuse to pay. Will I pay my actual debt of XXXX if allowed, yes I will. But I will not be threatened into paying XXXX!
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| 12/05/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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NATIONAL CREDIT SYSTEMS INC ACCOUNT NUMBERs : XX/XX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you NATIONAL CREDIT SYSTEMS XXXX any company associate with this account # and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act XXXX FCRA XXXX. The FCRA requires that debt XXXX give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : NATIONAL CREDIT SYSTEMS INC or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation.
Sincerely, XXXX SOC SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX
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| 01/25/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Hello, The collection agency National Credit System Inc., ( XXXX, GA, ) has refused to stop reporting to the credit bureaus or cease collections for a aged out debt from XX/XX/2015. Which they were misrepresenting as past due rent/eviction and after being confronted of illegally misrepresenting charges and the aged out collection. They changed their tune to collection for damages to the unit. Which is also misrepresented on this time barred aged out debt ( according to Nevada statue of limitations ) where nothing was reported as damages, but maintenance after a unit has been vacated, that's suppose to be the responsibility of the property at XXXX at XXXX XXXX. The unit was cleaned and there were no excessive damages reported that justify these charges. Only regular maintenance after the premises had been vacated. As you will notice the rental agreement wasn't renewed and their actions seem to be a hostile form of relatiation. After later, being made away of the pain and suffering caused from the community pool area. They received written notice, payment of rent and the keys were returned. I don't understand why they would continue to violate the laws and pursue on a non-contract agreement from 2015 unless this is intended to deliberately cause extensive hardship to myself, which it has. There actions has caused me extensive pain and suffering for almost eight years, I'd like it to stop. I've tried to reach out to management at XXXX at XXXX XXXX but nobody has returned my calls. I've tried to resolve this with the collection agency but they have been unprofessional and uncooperative to resolve something that they're aware is creating a great deal of hardship in my life and damaging my credit and living situation.
I'm attaching a copy of the itemized charges that were vagly explained without any proof to support the charges of XXXX in question.
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| 10/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I moved out of XXXX XXXX XX/XX/2012. I moved into my new home XX/XX/2012 and I was ordered by court to pay backrent at XXXX in the amount of {$1300.00}. ( see attached court document from my credit report ) My debt was sold by XXXX or XXXX XXXX to National Credit Systems ( as it appears on my credit report ) or XXXX XXXX XXXX at a new amount of {$2500.00}. ( see attached document from XXXX XXXX ). I 've contacted National Credit Systems and XXXX XXXX over 20 times trying to get in contact with the original owner of this debt to find out how this debt increased. XXXX and XXXX claimed they could not make contact with their client and I do n't believe they ever did. I asked for the client 's name and address ( as XXXX XXXX no longer owns XXXX ) and after months, XXXX XXXX could not provide this information. The only information XXXX XXXX could provide was the attached documents. I also requested that documentation be sent to me showing how the amount increased from {$1300.00} to {$2500.00} but they could not prove that either. They can not tell me the months being charged or the interest rate. I know that I moved from the property and can provide documentation of the new address and the time that I moved to the new location. These companies have placed an illegal debt amount on my credit creport and need to remove it instantly. Again, XXXX charged me a bogus amount of back rent after I settled with them in court and vacated the property. The " supported '' document provided by XXXX XXXX shows a letter sent to the apartment or some location that I never received since I had already settled in court and relocated. XXXX XXXX has thretened me with a law suit for this matter and has not offered a settlement amount, nor provided the name of the client that owns this debt. I do not owe this debt amount and none of the parties can prove " how '' I do.
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| 07/27/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A lease was improperly opened in my name in 2017. I was not notified of ownership or liability to this lease until several months after the lease 's beginning date. I did not accept the validity of the debt, but as an extremely XXXX XXXXXXXX XXXX the severe pressure to fulfill the invalid debt motivated me to take steps to " mitigate damages ''. It is Pennsylvania law that, when certain conditions are met, tenants may allow a subletter to take over the lease to mitigate damages. I met those conditions and furnished a subletter ; however, the original account opener refused to share with me the address associated with the lease, and therefore acted unlawfully. After working with a lawyer and threatening to sue via defamation of character, the original account opener immediately offered a settlement, which I refused. My lawyer advised me that I was but one of countless students that fell victim to the original account openers ' coercion schemes. The original account openers were unable to furnish original documents due to a change in employment of the person responsible for their management. As a result, the lawsuit was not taken further and the debt has remained invalidly on my report for several years, hampering my ability to secure housing and credit. The original account opener 's history of fraudulent and coercive tactics, their inability to furnish sufficient orginal documents, their refusal to accept lawful mitigation of damages, and their refusal to share with me the address associated with the lease amply demonstrates that the debt is invalid and should be removed from my reports immediately. Consider reviewing testimonials of former tenants as validation that the original account opener consistently engages in fraudulent, coercive, or explicitly illegal activity : XXXX : XXXX # rXXXX XXXX XXXX : XXXX # XXXX XXXX XXXX XXXX XXXX
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| 01/27/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
Servicemember |
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National Credit Systems along with the apartments formerly known as XXXX at XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX have fraudulently attempted to collect monies from me. I was dealing with harassment and stalking at the apartments and have proof with voicemails from the manager XXXX XXXX who spoke to the individual who was harassing me but never kicked him out so I had no choice but to move out because I was in fear for my safety and life. Per Texas law with a 90 day notice I am able to move out lawfully without having to pay any further rent. I reported the stalking and harassment to the manager of XXXX and XXXX, the police, and to my attorney. XXXX and XXXX failed to properly handle the situation and continued to falsify move out charges. I am a military veteran and they wanted my discount back as a concession pay back, a fee for " breaking the lease early '', and an additional months rent as well as another random rent charge. I paid my last month I lived there and they took my deposits and I had my renters insurance pay them for all damages as well as cleaning fees. I sent them a letter from my attorney and they refused to respond to my attorney and sent to collections ( National Credit Systems ). Whom my attorney also sent letters to and to the credit bureaus with no response. Along with this National Credit systems sent various threatening calls stating they were attorney 's and would sue me unless I paid. After already going through a scary and traumatic experience at the apartments I am continuing to suffer by the hands of XXXX at XXXX and National Credit Systems. I have also struggled to move into apartments due to the fact that there is an amount of {$3700.00} on my collections which I do not owe. I can provide all supporting documents to CFPB. I would like this to be completely removed from my credit and collec tions.
|
| 07/19/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was renting this apartment and was paying on time.then i made a rent payment in the dropbox me and my roommate and somebody else were dropping their payment off.i was notified about 3 days later that they did not recieved my rent payment.i show them the money order reciept.where i made payment.so somebody that worked in the rented offices had to take the rental payment.which was XXXX total.i showed them in the rental office my proof.well they stated that they will extended my rental period to come back up with the money.i stated thats not fair.somebody in your rental department is taken people rental payment.and it happen several time before it happen to me.so i made a stop payment on the money order but it was to late.the money order was forge in XXXX virginia.so i made an police report and everything.but the whole sitution was still brushoff by the rental office.so i tryed to figth it in court.but they lied in court.filed false docment.and then charge me.all kind of late fees.i am disputeing this debt.because i didnt owe this company money.how are you going to make pay.again and my money was stolen out your rental office thats nelegect.on the rental company but punish me for their mistake.then charge me court cost.and attorney fees.this apartment complex should still be investigated.they have been many tentant the same way and now they put this on my credit report.that unacceptable.and its not affair when consumer try to figth these big corporate they use all kind of scams to beat the little man.and credit companys just take these theives words and place these things on people credit and damage they lifes it not fair.i want this remove.or a 100 word statement under this report with the apartment complex name add in it.for consumer to know not to deal with them or consumer that have experiences the same thing that i have.thanks
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| 11/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Recieved call from a collection company regarding an amount owed to previous landlord for back rent following moving out of our apartment. The apartment claimed we did not give adequate notice of vacating. We were told by the apartment complex that we would receive a written notice of amount due following move out. This written notice was never received. We requested a written statement from the collection company and received it after 2 requests. After receiving written statement with amount due, we reached out to the collection company regarding payments to resolve the amount. Spoke with a gentleman who informed me that making a payment and continuing to pay each month would prevent the amount from being placed on our credit reports as a collection account. Following that conversation, I immediately went online and made a payment. I then called and informed the representative that I had made the payment. I did this to be certain that I was following the correct procedures to protect our credit and resolve the debt and was assured that I was. Within one week of making the payment, the company hit both mine and my wifes credit with a collection account, which was extremely detrimental to our score. I then spoke with the representative at the collection agency again, letting him know that a collection account was placed on our credit, and he informed me that he would be speaking with his manager to get it resolved and removed and would be calling me back that afternoon. I never received that callback. After two weeks, the representative did call back. He was oblivious to the conversation wed had prior regarding the collection account. He assured me AGAIN that he would reach out to his manager and have him speak with me directly. I have yet to receive a call back, and can not get in touch with the manager despite repeated attempts.
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| 08/15/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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So I moved in a XXXX XXXX XX/XX/XXXX I fulfilled my lease and and stay for about XXXX years so it was getting close to time for me to renew my lease but I informed my office that I had feel very ill due to XXXX and I will not be renewing my lease so, so in about XXXX or so of XXXX when my lease was coming to a end my now fianc had us a house and so I started moving but stuff from my unit slowly because I did not have to be out of the unit so XXXX day i arrived home and my carpet was tore up with XXXX in my sink no call or letter from office as to why my unit was accessed so when i finally spoke with XXXX she stated oh there was leak and mantaince had to come in so i inofrmed her i am ok with them coming in but as far as place trash in my kitchen sink that is nasty and why would they leave it there so she apologized XXXX times nobody still never removed the carpet and trash out so i at this point am just ready to move so i continued slowly moving my things i also continued paying my portion of rent and housing paying the remainder so i emailed XXXX and asked her how much was last month of rent and she stated prorated is XXXX so i paid my XXXX month turned my keys took pics and did my walk thru now here it is XXXX years letter and i get a bill from XXXX XXXX XXXX XXXX stating i owe and balance of XXXX i reached out to creditor who by the way was very rude so and i also tried talking with nanacy but at this point im livid bc why do i have a balance if i am on housing and have emails that stated my move out was perfect i owe no balance and nobody can tell me why and this is now affecting my life and i need this corected immediately because i do not play about my credit and its damaging my life at this point especially when no one can give me a dirrect answer also might i add i also emailed the coporate office over the apts as well
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| 07/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX. The address I vacated was XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX. The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX. We gave our forwarding address to the management of XXXX XXXX XXXX so that they could contact us if there were any problems. The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX. Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place. XXXX XXXX XXXX was non responsive to any attempts at communication. XXXX XXXX XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit.
XXXX XXXX XXXX reported no forwarding address to the collection agency that was used, yet they had a forwarding address and never sent correspondence to that address or used any telecommunication or legitimate communications means to discuss the debt with any responsible party.
My suggested resolution is to have the debt pulled from all credit reports and payment will be made with certified funds to XXXX XXXX XXXX within 30 days of receipt of credit correction.
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| 12/30/2020 |
Yes |
- Debt collection
- Medical debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello, My name Is XXXX XXXX. I have contacted this company for over a year trying to get this debt validated or show some proof that I owe the amount that they are placing on my credit report. I have been dealing with this company called National Credit Sytems Inc. regarding a balance of {$1900.00}. I have sent numerous of certified mail letters requesting valdiation that this debt belongs to me. This company has only responding with a lease for an apt I stayed in for one lease year. I have been in contact with a XXXX XXXX that works for this company. I informed XXXX through letters and verbal that this debt is incorrect and does not belong to me. The lease they sent as an attempt to validate this debt is from the year XXXX but the debt they are charging is from the year of XXXX to an apt . I did not reside in. I have reach out to the apt complex who has told me they are under no management and do not have no record of this debt. I requested a lease from national credit systems showing these charges were accrued from my apt . They could not do so and when i requested this debt be removed due to lack of validity she stated she did not have that authority to do so as they were hired by the property management company during my stay ( who no longer manages the property ). she told she would need to inform them of the findings and see what they wanted to do. I informed her it is against the law to place a collections on my credit report that is not validated and even upon my request for proof you have not supplied with well over 30 days to do so. she proceeded to transfer me to the supervisor named Mr. XXXX whose Voicemail i have been sent to over 5 times in the last 5 months. I am homeless and unable to achieve credit worthiness for decent living due to this invalid account and NATIONAL CREDIT SYSTEMS please help me.
|
| 09/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX ( aka XXXX XXXX XXXX XXXX ) located in XXXX, NY reported me to National Credit Systems, a collections agency on XX/XX/XXXX for {$3200.00}. Our dispute originated on XX/XX/XXXX when I moved out from my apartment 10 months early from a year lease.
At issue is my recruitment of replacement tenants who qualified and were approved by XXXX XXXX XXXX to move in and signed a new year lease with XXXX XXXX XXXX, that XXXX XXXX XXXX refuses to acknowledge.
In discussions I had with XXXX XXXX XXXX office personnel, they indicated that if I found qualified replacement tenants, then they would let me out of my lease agreement. Otherwise, I would owe them {$2500.00} for a break lease fee. I advertised and located an interested party and directed them to XXXX XXXX XXXX. The office showed the couple my 1-bedroom apartment. Then they also showed them a more expensive 2-bedroom as well, which the couple chose.
XXXX XXXX XXXX is claiming that since the couple did not choose my apartment, I am not entitled to relief from the break lease fee. They instead offered a {$250.00} " referral credit ''. But, there was no mention of this credit type before I directed the interested couple their way.
XXXX XXXX XXXX benefitted from my recruitment of new tenants to their business. They also benefitted from the 2 months of rent that I paid them. In a move obviously motivated by greed, they chose to ignore my efforts that helped them. In addition, they never returned my {$300.00} deposit, even though I left the apartment in better condition than it was in when I moved in.
I also feel their alternate offer of a much reduced {$250.00} referral credit is " bait and switch '' tactics.
Because I would not settle for their lesser offer, they turned me over to collections to deliberately hurt my credit and reputation.
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| 12/03/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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the lease document is legitimate. the other document pdf which shows the breakdown of the amounts seems to be a document created just for this purpose. this case went to court. the court documents will show the LEGITIMATE AMOUNTS and final resolution to the matter. that document seems to be manufactured to fit this ridiculous amount. also as you can see, i moved out 2 days at the end of my lease which started on XX/XX/XXXX to XX/XX/XXXX. the document provided appears to be altered as i did not sign a 12month 20day lease. i signed a 12 month ONLY lease. since when have you ever seen a 12 month 20 day lease. that document is altered. i gave the office a verbal and written 30 day notice after they released and violated my privacy by talking to a third party of whom i was looking to add onto my lease without my permission. basically i was looking for a roommate. the property manager harassed my potential roommate and asked if i was even living there. The property manager then told the roommate i was looking into getting personal information on my file without my permission violating my privacy. i then issued the apartment a verbal and written 30 day notice for doing this. i told them that i would move out by the end of my lease period. we went to court and a judge adjudicated the entire case. *they have not provided any court documents that show the amounts. *they have not provided any pictures to show any damage. i took pictures of the entire apartment and i am willing to upload them. the cleaning fee also seems to be a later addition or part of the altered paperwork. * the second document to show the breakdown is not a legal document. it is not even signed, stamped or dated. there is no proof it was ever delivered. it was never presented to court. how can a case be closed on a seemingly photoshopped document.
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| 08/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2020, I pulled my 3-bureau credit reports from XXXX and found a collection from National Credit Systems in the amount of {$3200.00} on behalf of XXXX XXXX. I noticed that the debt was a joint account, and I never had a joint lease with someone else in the past. So I sent National Credit Systems a letter asking them to verify the debt, specifically asking for proof such as a breakdown of fees and how they calculated the debt. I also asked for some type of proof that the debt was mine, such as signed documents by me or anything that would identify me as responsible for the debt. Knowing that this debt is not mine, I was confident that they could not prove this debt as mine and I intended have the false collection removed from all 3 bureau reports.
However, when I received a letter back from National Credit Systems, I found that not only had they not given me any supporting documentation proving that I am responsible for this debt, but they also INCREASED the amount they claim I owe by more than double. They now claim I owe {$6900.00}, and they intend to " update '' this with the 3-bureaus. What's worse, they typed " Enclosed you will find documentation provided to us by XXXX XXXX. '' and tere was no documentation enclosed. Only the single letter which I have attached to this complaint was in the envelope. I believe they placed this statement deceptively to make it seem as if documentation was sent, when truly it was not.
I find it very difficult to understand where they got either of these totals, especially since the credit bureaus reported that the last time this debt was supposedly verified was XX/XX/2020. I have tried to dispute this with the bureaus as well, but the entry remains. I would like to finally get this false collection removed from my credit reports so I can move on with my life.
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| 04/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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I applied for an apartment unit at XXXX XXXX apartment complex. I paid for the application fee online, using the website provided by XXXX XXXX. My application was later denied. A couple of days after the denial, I received a letter ( dated XX/XX/2022 ) from XXXX XXXX, the XXXX XXXX XXXX XXXX XXXX XXXX, the managing company for XXXX XXXX. Within the notice is a stamp from XXXX, noting that we have the option to dispute the disposition by submitting in writting within 30 days to XXXX. XXXX claimed I still owed the applicaiton fee of {$50.00} and a returned check fee of {$50.00}. On XX/XX/2022 I sent my written dispute via email to XXXX, to dispute the payment being returned. I requested for proof of returned payment. I also informed her to provide a response to me within 30 days of receiving my payment dispute. I never heard back from XXXX, neither by phone, mail or email. I sent another email on XX/XX/2022, and again on XX/XX/2022, with no response from XXXX. I contacted XXXX XXXX ( spoke to XXXX XXXX and she informed me I was following the right protocol by emailing XXXX with my dispute. It was yesterday XX/XX/2022 when I learned that my credit was affected and it showed the {$100.00} balance was in debt collections with XXXX XXXX. I sent XXXX another email, and this time I included the CEO of XXXX XXXX XXXX, XXXX XXXX, and finally, after multiple attemps of trying to reach her, she responded to me. This is months later, after my first initial email. XXXX didn't even glance at my dispute, she immediatly said I owed them {$100.00} and the only way to resolve is to pay. Not once did she ask me for proof to show the payment wasn't returned. I replied back to her and the CEO to explain I was still disputing this payment, I even offered to send bank statements. As of today, I haven't heard back from her.
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| 12/02/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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To whom It may concern, I request validation of the following 2 debts : NATIONAL CREDIT SYSTEMS XXXX and NATIONAL CREDIT SYSTEMS XXXX. Per Texas Finance Code Section 392.202 which requires a debt collection agency or credit bureau to provide the alleged debtor with specific information concerning their debt including but not limited to : For the purpose of validation provide me with : The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 ( a ) ( 2 ) XXXX XXXX XXXX information as required by Sec. 392.101 Please note XXXX, XXXX, and XXXX are bonded in the state of Texas and are required to comply with Texas Finance Code. If a debt collector has failed to respond to my debt validation request, then you have essentially admitted, per Texas Finance Code 392.202 ( b ) ( 2 ), that the debt in question is inaccurate. Per this requirement you must delete this trade line if you do not have sufficient time to complete an investigation to validate this debt in 30 days according to Sec. 392.202 ( d ) ( 1 ) Also per Texas Finance Code 392.202 Correction of third -party debt collectors or credit bureaus files. I request immediate notification if this alleged debt is sold or transferred per Sec. 392.301 ( a ) ( 4 ). Please reply with your response immediately. Please note I am fully prepared to pursue my rights for the harm this inaccuracy has done to me. Sec. 392.403. CIVIL REMEDIES. ( a ) A person may sue for : ( 1 ) injunctive relief to prevent or restrain a violation of this chapter; and ( 2 ) actual damages sustained as a result of a violation of this chapter.
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| 09/26/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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FromXX/XX/XXXXthrough XX/XX/XXXX I rented from XXXX XXXX paying XXXX monthly. Upon providing my 30 days notice in XX/XX/XXXX, I moved out on XX/XX/XXXX. XX/XX/XXXX I went to XXXX XXXX 's office in XXXX, Tn to return all keys and garage openers. I asked if anything else was needed, nothing more was needed and I scheduled to be present during the final inspection walk through. After the walk through with maintenance/inspector was complete, I called XXXX XXXX again and spoke with XXXX XXXX XXXX to ensure nothing was else was needed, I was told everything was complete and that my deposit would be mailed out to my new address. In late XX/XX/XXXXI received my entire deposit back in FULL to my new address that was provided.
9 months later : This year XX/XX/XXXXXXXXXX/XX/XXXX I started receiving calls from a collection agency ( NATIONAL CREDIT SYSTEMS ) stating that they were calling on the behalf of XXXX XXXX. The woman on the line stated that I owed XXXX XXXX {$90.00} in unpaid debt, I informed her that I would not speak to her regarding that matter because it could be a fraud to collect money. I contacted XXXX XXXX on XX/XX/XXXXand was transferred to collections, after not being able to get through I left my name and phone number, and was informed that someone would call me back. After no response I called back on XX/XX/XXXX and was transferred to a voicemail again. No one EVER returned my call and the collection agency calls stopped as well. I thought it had to be a scam because I never heard from either party again.
That is until XX/XX/XXXX a collection account from XXXX XXXX in the amount of {$90.00} was placed on my XXXX and XXXX report causing my credit score to drop drastically. I do not owe this debt, all debt was paid in full before I moved and my deposit was refunded back to me in full.
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| 11/01/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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We occupied the townhome for two years XXXX XXXX. Every single rent payment was made on time, we took the utmost care of the place staying in close contact when repairs were needed and vacated with the exterior and interior in excellent order.
The security deposit in place was {$3500.00}. We received a refund from XXXX of {$940.00} on XX/XX/XXXX after the landlord, inspected the property on XX/XX/XXXX. On XX/XX/XXXX, an additional {$50.00} check was disbursed to our name, once the landlord confirmed the garage door opener had indeed, been returned by us. Both checks were deposited into our account. Despite this reduced deposit at final accounting, the landlord reopened the account at the end of XXXX we received a demand letter for {$1700.00}.
In the XX/XX/XXXX report by the landlord, XXXX % of the results are marked satisfactory. In the column for items the landlord marks action needed are considered normal wear and tear on the walls and baseboards. We had the unit cleaned by a professional service. Our maintenance service manager and a commercial painter spent time in the townhome patching walls touching up any cosmetic issues.
The charges in the amount of {$1700.00} are not in line with the condition of the unit and the terms of the lease. Furthermore, these are unsubstantiated and baseless damage claims against our deposit should be reprehensible.
A letter arrived from the debt collector on behalf of the landlord XX/XX/XXXX saying we had the opportunity to respond by XX/XX/XXXX in writing to dispute so I responded in writing on XX/XX/XXXX. On XX/XX/XXXX, we were sent to collections and the {$1700.00} is considered " valid. '' Please let us know should you like us to furnish documents and photos from our records for your review and consideration. We hope to resolve this matter promptly!
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| 06/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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After giving this company a 30 day notice I mailed and emailed XXXX XXXX XXXX a 30 day notice that I would be moving out at the end of XXXX XXXX. I repeatedly tried to call them to meet me for a final walk through but no one responded. In XXXX XXXX, I received a bill for over {$4000.00} in " damages ''. I contacted XXXX XXXX notifying her that the amount was incorrect and sent pictures as well. She stated, " After my supervisor reviewed the pictures from your move out and your email in response to the charges, he has agreed to remove the paint charge of {$1200.00}. You still have a total of {$1700.00} of move out charges and balance owed to XXXX XXXX XXXX is {$2200.00}. You will need to talk with XXXX to set up payment arrangements. '' I contacted her stating that I did not owe any money for the floor because I did not damage the floor. Also the repair cost they stated was too high. The floor became damaged due to a leak from the AC unit in the attic. The maintenance personnel repaired the leak. Also I did not damage any cabinets or shelves. I noted that they were off track in the move in document. I notified the property management of the damage and they said it would be taken care of. The floor boards were never replaced. I contacted XXXX XXXX about getting a final settlement amount and payment arrangements. I called and sent several emails asking for an explanation of the {$2200.00}. No response from XXXX XXXX XXXX. In XXXX XXXX I received a collection notice from National Credit Systems Collection Agency stating that I owe {$2200.00} and must be paid as soon as possible. XXXX XXXX XXXX did not contact me concerning this after I made several attempts to settle the issue. It should not have been sent to National Credit Systems collection agency without giving opportunity to settle the issue.
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| 12/21/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I leased an apartment at XXXX XXXX from XX/XX/XXXX XXXX XX/XX/XXXX. When my lease was about to expire, I was informed I could do a month-month lease which will not be bound by any contract whatsoever and could leave whenever I felt fit. I enrolled in a month to month and stayed through till XXXX while also notifying the office of my intent to move in XXXX via a written document that was presented to the office secretary.
On the XXXX of XXXX, I turned in all keys and fobs and vacated the apartment with the approval of the manager XXXX XXXX. I submitted a forwarding address to receive any letters that the apartment might decide to send. On XX/XX/XXXX, I noticed a collections account had been filed on my credit report and immediately called the apartment inquiring why, I was met with disdain and hung up on by the worker XXXX who told me she would be sending an itemized bill as to why I was being charged {$4100.00}, she did not however follow up. I called incessantly for months after that and was met with no help.
In XX/XX/XXXX after almost 2 years of no communication, I received a letter from National Credit Systems requesting to negotiate my collections, in which I demanded an itemized report and a validity of this debt via email and mail on XX/XX/XXXX, to which none was responded to. Instead I was badgered with calls asking for a negotiation to pay off this debt even after explaining I was not responsible for this and was wrongly charged by the company.
This apartment has a long standing extorting its residents. I am a student and have fought tooth and nail to earn the score I have, and this falsely reported collections has done me much harm including my denial of a new apartment and is causing me much emotional distress as I have to move out of my current apartment by the end of XXXX.
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| 03/22/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was living in an apartment in XXXX XXXX, MI named XXXX apartment with the management of XXXX XXXX for around 5 years. Before I moved out I asked them to give me and inspection and estimate cost of damage that might happened to the apartment, they REFUSED!
After few month I noticed that I have a debt in a collection agency that is damaging my credit score. Finally I figured out that the apartment complex made some fraudulent bill for the damages that I did not made to the apartment and SEND IT TO A COLLECTION AGENCY WITHOUT CONTACTING ME!!!
The collection agency did the same and did not call, mail or email me to negotiate the debt and after reporting to my credit company and hurting my score send me an email about the bill!
I think that is their strategy to ruin people credit to threaten them for more damage they will make on the credit score to get the money as soon as possible.
I need both my XXXX apartment ( Run by XXXX XXXX, XXXX, MI ) and collection agency ( NATIONAL CREDIT SYSTEMS, XXXX XXXX XXXX, XXXX, GA ) proof that they have contacted me for the debt!
They also need some proof for the made up bill!
for example around XXXX bucks just for removing trash! I vacuumed cleaned the apartment!
also for carpet and other damage they need to show proof and also a good excuse why they did not contact me to negotiate and confirm the bill.
Another fraudulent fact that you can see is that they send me the bill on XX/XX/2022 after I asked them and after they sold the debt to the collection agency and you can see in the bill that they billed me XXXX USD but they sold the debt tothe collection agency for XXXX USD!
Just look at the bill and the date on it! after sold it to the collection agency!
Will also upload some pictures of the apartment is necessary.
Really appreciate your help.
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| 10/09/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/XXXX, I requested proof of debt responsibility from the company National Credit Systems via phone. I requested to obtain original papers signed by myself that I owe a company called National Credit Systems or any affiliates and 3rd parties. National Credit Systems sent me papers via USPS that are visibly scanned and copied papers. According to the Law, copies are not sufficient proof that I am responsible for this debt or that I am responsible for this debt. To conclude, National Credit Systems will not provide to me original paperwork, signed by me. In addition, " National Credit Systems '' continues to reappear on my credit as a " new account '' every year, for the last 6 consecutive years. Collection agent from National Credit Systems, Miss XXXX, stated to me via phone in XXXX XXXX, that the removal time frame starts over when a debt is transferred and or sold to a new collection agency as well as after any and all disputes for this collection account made by me or any person 's. Miss XXXX stated via phone, this debt will remain on my ( XXXX XXXX ) credit report " forever '', and keep starting over as if it were from day # 1. National Credit Systems originally appeared on my credit as a debt from XX/XX/XXXX, in the beginning of XX/XX/XXXX. Over the years, the dates have changed many times as to when the account was originally opened .Currently my credit report States ( beneath the name National Credit Systems ) " opened '' XX/XX/XXXX. All of it seems invalid and not sufficient to be on my credit or that I am in fact responsible for this debt of {$4200.00} to National Credit Systems or their affiliates. Miss XXXX stated that her computer shows I am responsible for a debt of {$4700.00} but on my credit it states a different amount in which does not make any financial sense.
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| 09/18/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX I emailed them this. XXXX " I called to pay like always but was informed you will no longer take a full year up front. With that new policy and not being able to come to XXXX these last years we decided to just move our stuff out. I am in Oklahoma so I needed to find a family member to move my stuff for me. XXXX XX/XX/XXXX he called and said they were headed down tomorrow. On XX/XX/XXXX he cleaned out the unit, on XX/XX/XXXX I turned in the 30 days notice and then tried to pay a little later. I don't not remember what day but it was early in the month. I couldn't get anyone to take payment over the phone, they said they couldn't do it although that's how I paid for years. So I went online to pay and it said my account balance was XXXX. I thought they ran the card that had been on file. Then I get a letter in the mail from a collection agency saying I owe XXXX. I called and couldn't get through so I found a chat option that your company uses through XXXX. I have the old manager admitting that I did turn in notice on XX/XX/XXXX. I saved the entire chat if you'd like to see it.
I don't understand any of this.
In XXXX, I tried to pay the full year in advance.
XX/XX/XXXX my cousin comes to move my stuff out and I fill out the 30 day notice online.
Few days later I went to pay but it said I owe XXXX.
I get a letter in the mail later that is dated XX/XX/XXXX from a collection agency saying I owe XXXX.
I have been trying to resolve this issue ever since.
I didn't even get 30 days from the XX/XX/XXXX before somebody turned me over to collections '' If I no longer had an account like they claim when I was turned over to National Credit Systems how was I able to log into the system with my account number and unit # and have the system tell me I had a XXXX balance.
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| 09/29/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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We gave notice of early lease termination to XXXX XXXX XXXX XXXX XXXXXXXX on XX/XX/2023, for a final move-out date of XX/XX/2023. On XX/XX/2023 the Early Termination Fee in the amount of {$3700.00} was applied to our account.
All balances were paid, and account balance was {$0.00} not to include security deposit credit in the amount of {$500.00}. we have accompanying documentation and bank statements, as well as the lease terms regarding lease break fees. As well as a 12 month history of payments, provided by XXXX XXXX XXXX XXXX XXXX
On XX/XX/2023 a second lease termination fee of {$3700.00} was improperly applied to our account and we received an email with a final account statement on XX/XX/2023 that included the incorrectly applied fee. We immediately called the leasing office for clarification. Unfortunately, we were not able to speak with the management at the time. However, we received an updated statement that same day on XX/XX/2023 that removed the second fee, and updated the account to reflect the correct balances owed. We have a copy of this statement, detailing we are due a refund of {$410.00} Today, XX/XX/2023, we received a call from a debt collection agency " National Credit Systems '' in an attempt to collect the debt that we do not owe, in the amount of {$3300.00} We immediately filed a dispute, contacted the leasing office, and contacted multiple regulatory bodies to include yourself.
A review of online reviews of this landlord shows that our experience is neither unique, nor isolated. We firmly believe several other households have experienced the same fraudulent practices and we believe an Audit would be in order of this companies finances and practices with collection accounts in arrears, to include fraudulent activity and " Double dipping '' on fees.
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| 10/08/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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on XX/XX/2021, i sent NATIONAL CREDIT SYSTEMS , INC a letter about an alleged debt of XXXX that I don't owe.this is an inaccurate item and should be removed from my credit report. national credit systems , inc sent me a document in the mail claiming that i owe a debt on XX/XX/2021, i sent them a letter requesting the validity of the alleged debt of {$920.00}. they have violated my rights as a consumer. Pursuant to the FDCPA specifically 15 USC 1692g, it states ; Within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector SHALL unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing. ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed, ( 3 ) a statement that unless the consumer, within 30 days, after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within 30 day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumer 's request within the 30 day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor, NATIONAL CREDIT SYSTEMS has failed 3-5 and therefore, is in violation of the law. not only did they not include it in the initial communication, they failed to send it within 5 days.As you can see the date was XXXX and today is XXXXattached is the letter i sent to them about the alleged debt and i haven't heard from them as of yet.
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| 08/24/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
|
National Credit Systems in XXXX, GA keeps calling me about a debt that I do not owe. I've sent them numerous emails and spoke with them several times on the phone to let them know I needed to see proof of debt because I don't owe anyone, anything. They finally emailed me one document of an apartment lease that ended XXXX of XXXX. I let them know I moved out of this apartment in XX/XX/XXXX of XXXX, and that I don't understand what they are trying to collect. On 3 separate occasions they changed their story of why they were collecting this debt. First they told me if was for lost keys, then they told me it was for missed rent in XXXX, lastly, they told me if was for rent for the month of XX/XX/2022. Well, I moved out in XXXX, so I didn't owe XXXX rent. The only document of proof they were able to show me was a lease that expired in XXXX. So, how can they justify collecting on a debt from a month that I didnt even live at this apartment? I've sent them screen shots, emails, phone records, videos, pictures, etc from my moving day and they just keep calling me. I've sent them all of the documentation that one would need to be able to see the apartment is not being truthful. They can not seem to produce " proof '' that I owe rent, the collections representative told me today that they just rely on the apartment 's word. Correct me if I'm wrong, but I dont think that is how the law works. Just because an apartment manager ( who is proven to prey on the elderly ) says I owe something, does not mean I owe it, unless she can prove otherwise? And so far, they can not prove it, because its not true. I need someone to help me because the manager at the collections company seems to be friendly with the apartment manager, and I honestly believe something illegal is happening here.
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
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Web |
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I have a judgement on my account for ( evictions ). One was just placed on my account Overview You've paid off 0 % of your collection amount.
Balance {$4400.00} Highest Balance {$4400.00} Opened XX/XX/XXXX ( 11 mos ) Account status Open Type Collection Account Responsibility Individual Original Creditor Name XXXX XXXX XXXX XXXX Closed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ALSO Overview You've paid off 0 % of your collection amount.
Balance {$3900.00} Highest Balance {$3900.00} Opened XX/XX/XXXX ( 5 yrs, 6 mos ) Account status Open Type Collection Account Responsibility Individual Remarks Account information disputed by consumer, meets FCRA requirements Original Creditor Name XXXX XXXX XXXX XXXX Closed No Info XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The first civil judgement above I have asked for proof of account ( validation ) proof of a signed lease etc, ( being that i know there is not one ). I have not been furnished with anything.
I am aware that as of XX/XX/XXXX all civil judgements including evictions judgments should have been removed from credit reports in which these two have not. I am requesting these two judgements be removed indefinitely. I have contated the credit bureau and distputed these as well with no resolution.
( The three credit bureaus, XXXX, XXXX and XXXX, as part of a lawsuit settlement with various state Attorney Generals, agreed to the creation of the National Consumer Assistance Plan ( NCAP ). For companies that use credit reports, the biggest change will be in the decreased reporting of public records, specifically tax liens and civil judgements. Eviction judgments, such as forcible detainer and unlawful detainer judgments, are civil judgments, and thus they will disappear from credit bureau reports on XX/XX/XXXX. )
|
| 04/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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National credit systems contacted me via phone and informed me of the debt emailed me a list of charges that I then informed them could not belong to me as I lived in another state at the time of these charges. And when the XXXX took over The highland bluffs I had a rejected application and I moved to XXXX XXXX for a job offer. Upon investigation I found police reports stating the tenants were served an eviction which me and my partner had no knowledge of being in another state and I was recovering from giving birth so even if I had know about the supposed court date I would not have been able to make it. There were service requests being made in that apartment under my name which I only just found upon trying to dispute this. It seems as if when the new company had bought out the old that they had a new tenant put in an application and begin living in the apartment under my lease as I have never signed a lease with XXXX XXXX XXXX Which would also make sense for the use of utilities while I was in a completely different state. As well as when I forwarded my mail to my current address I had started receiving the new tenants mail further proving another person living in this apartment under my name. Then recently a duplicate collection from the Apartment was added from another collector-XXXX, as well as I recently received a third collection this time via mail ( the only written one I have received ) which I disputed directly with them upon arrival of the letter. Yet the apartment just keeps selling this fraudulent collection.
I have included charges from XXXX as well as court report which shows various prices and dates as well as my application rejection for these apartments, services requests made and XXXX XXXX court records showing me in XXXX XXXX and not XXXX.
|
| 04/19/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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On XX/XX/XXXX I received a call from Collections Agent ( XXXX XXXX ) at National Credit Systems Inc. He stated he was calling in attempt to collect a debt on behalf of their Client/ Creditor XXXX XXXX XXXX XXXX XXXX XXXX ) in the amount of {$370.00} and would I like to take care of payment today.
I kindly informed that I decline to pay this debt as I never live at the XXXX XXXX XXXX XXXX XXXX., However, in XXXX of XXXX I did submit a rental application in which I paid a {$300.00} application fee that was later refunded back to me via my bank ( XXXX XXXX ) on XX/XX/XXXX ( please attachments ) after submitting a dispute case on XX/XX/XXXX ( please see attachments ) through my bank XXXX XXXX XXXX ) due to miss information not properly disclosed during my application submission with them. I gave XXXX XXXX the case number ( Claim # XXXX ) for him to take back to his client so their client could provide them a copy of the dispute transcripts with my bank ( XXXX XXXX ) showing that they agreed to refund me back the {$300.00} ( in which they did ), and the case was closed on XX/XX/XXXX ( please see attachments ).
I also requested for XXXX XXXX to kindly submit to me a debt validation ( in which he did, please see attachments ). And as you can see the statement National Credit Systems submitted to me from their client XXXX XXXX XXXX XXXX XXXX XXXX XXXX shows a completely {$0.00} balance. XXXX XXXX stated he would reach out to their client to get clarification and would be in touch. From that day I never heard back from him or National Credit Systems Inc. via by phone, mail or email.
So today, I was shocked when I receive an urgent email from my credit monitoring service that a collections account is being reported from National Credit Systems for {$370.00}.
|
| 07/07/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XX/XX/XXXX National Credit Systems , Inc .
P.O. XXXX XXXX XXXX, GA XXXX XXXX XXXX. Certified Mail/Return Receipt # XXXX XXXX Alleged Original Creditor : XXXX XXXX Alleged Original Creditor Account number : XXXX XXXX XXXX Name : National Credit Systems , Inc .
Debt collectors account number XXXX Alleged Debt Amount or Balance : {$4200.00} Current Creditor : National Credit Systems , Inc .
Dear National Credit Systems , Inc .
I recently received communication from you to collect the above-listed alleged debt.
Your initial communication to me in attempt to collect he alleged debt was within 30 days ago. Please be advised that I hereby dispute the validity of the alleged debt listed above in its entirety. Further, I request verification of the alleged debt, specifically, a copy of a contract or agreement. Said contract or agreement must be with the original creditor and signed by all parties involved. You are illegally attempting to collect the above-listed alleged debt and money that I do not owe. Cease and desist all collection activity, including all reporting to consumer reporting agencies. If you comply with my deletion request within 14 days, then you are excused from verification. Send me a letter confirming your request to CRAS to delete your reporting of the alleged debt. This letter and evidence may be provided to the Consumer Financial Protection Bureau ( CFPB ). The CFPB is authorized to investigate this fully matter and receive any related Information herein. Be advised, if you fail to comply with this demand letter, I may turn the matter Over to an attorney.
Sincerely, XXXX XXXX XXXX S.S. N. XXXX DOB : XX/XX/XXXX Enclosure CC : Consumer Financial Protection Bureau via fax and or email @ XXXX
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| 07/04/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I lived at XXXX XXXX apartments in Colorado. On XX/XX/XXXX I signed a Lease Modification Agreement stating a new lessee would be taking over the lease. I moved out of state at that time. In XXXX, a new lessee incurred a debt of {$380.00}. I first saw it on my credit report in XXXX during free credit report check. As soon as I became aware, I contacted XXXX as well as XXXX XXXX XXXX XXXX XXXX Both took this debt off. When I applied for apartment in the year XXXX, I was denied several times. I was given a copy of my credit report and saw that the debt of {$380.00} was on XXXX and XXXX credit reports under a different company called National Credit Systems. I disputed it several times. I sent the Lease Modification Document to NCS and XXXX several times, ant to XXXX once. XXXX and XXXX refuse to remove this debt because National Credit Systems states that this debt is valid. THIS DEBT IS NOT MINE. I have called and sent several emails to NCS with attachment of the document that proves the debt is not mine. No reply. This debt is NOT mine, but National Credit Systems refuses to remove it. I also called XXXX XXXX apartments, and they confirm that the debt is not mine, stating that they neglected to send Lease Modification Document when they were filing for debt collection. On XX/XX/XXXX I contacted XXXX XXXX XXXX out of frustration and as a last resort, and NCS still refuses to remove the debt from my credit report. XXXX XXXX stated on XX/XX/XXXX that they have furnished NCS with a letter stating this debt is not mine in the previous week. It is now the next month, and NCS still have not removed this debt from my credit report. This debt, which is not mine, has resulted in me being denied housing several times. I need it removed from XXXX and XXXX NOW.
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| 01/06/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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In XXXX I co signed for an apartment with a friend. At the time I lived in North Carolina & he lived in Florida at the XXXX at XXXX XXXX XXXX in XXXX, Florida. In XXXX of XX/XX/XXXXafter his graduation, he moved out the apartment. I was not contacted of any debt owed. Months went by and I was never contacted via email, mail, or phone. On XX/XX/XXXX, the apartment contacted me & told me if I did not pay them almost {$1700.00} that day, they would send it to collections. I told them I just had a new born baby and was out on unpaid leave & would be unable to pay. I also stated the fact that I was never contacted and asked why did they wait 10 months to contact me concerning the money owed. I received no response to my question and was told they would be sending me to collections & hung up. Within a month I received calls multiple times a day from a number I did not recognize. One day I decided to answer the call. A gentleman from National Credit Systems call about this debt. I explained the situation to him. He told me I had until XX/XX/XXXX to make some type of arrangement in order to not place the debt on my credit. He said if I made a payment arrangement, they would not report the debt. Even after this conversation, the company still continued to call numerous times a day. On XX/XX/XXXX my financial advisor called on my behalf. After speaking on a recorded line, the representative said that the debt would not report to my credit due to new law changes. As of XX/XX/XXXX National Credit Systems has placed this collection amongst all 3 credit bureaus. Upon further investigation, the State of North Carolina requires collection agencies to be licensed and/or registered with the Secretary of State. National Credit Systems is currently under a REVOKED status.
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| 07/12/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX now currently known as XXXX XXXX is reporting incorrectly to XXXX and XXXX a collection in the amount of {$2600.00}. Please see XXXX XXXX XXXX partial account number XXXX listed on pages 48 and 49 of the attached credit report. I did reside at XXXX XXXX XXXX from XXXX to XXXX. ( Attached is a copy of the lease agreement from XXXX to XXXX. ) On XXXX I received a letter with a copy of a lease from National Credit Systems , Inc. collection account number XXXX ; NCS Account number XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) This document shows an electronic signature on XXXX with occupancy dates of XXXX to XXXX. First, the electronic signature has my name misspelled, and Second, I did NOT give any authorization to use a computer generated signature. I moved into my current place of residence on XXXX. My lease renewed on XXXX and will be expiring on XXXX. ( Attached is a copy of the lease agreement for XXXX to XXXX. ) It would be impossible for me to have lived at XXXX XXXX XXXX a.k.a. XXXX XXXX from XXXX to XXXX as stated in the bogus lease I was sent from National Credit Systems , Inc . I did NOT sign this document nor did I give permission for this document to be signed. I do NOT know who is on the E-Signature Certificate. I have tried to contact the apartment complex but have not been successful. XXXX XXXX XXXX a.k.a. XXXX XXXX has clearly mistaken me for someone else who owes this debt. This debt does NOT belong to me. This incorrect reporting by XXXX and XXXX recently appeared on my credit report and this incorrect reporting of a collection is harming my credit score. I have contacted the bureaus to resolve this issue but have not been successful. These line items need to be removed from my credit report.
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| 07/19/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I moved out from my apartment in XXXX 2017. They said I paid them everything that I owed, and that I did not had a XXXX balance. I am extremely credit conscious, I pay my credit card off every month, I check my credit scores regularly and I have never missed a payment. Therefore, it was extremely shocking and frustrating that this collection agency, National Credit Systems Inc., placed a collection against me, that showed up on my credit report in XXXX 2017. I was never contacted by either the apartment company nor the collection agency to be informed that they still thought I owe them money. They never called ( or if they did they did not leave a single message ) nor did they send me anything in writing. I would have dealt with this before it went to collections if they had.
As soon as I became aware of the debt, XXXX / XXXX /2017, I contacted the apartment company, XXXX at XXXX in Maryland, to confirm that I did not owe them anything, which they confirmed. Please see the attached move-out statement showing a XXXX balance. Then I contacted National Credit System Inc to find out what I can do to get this taken care of. The manager at the apartment company said she sent the XXXX balance sheet to her point of contact at the collection agency, but never heard back from them. Meanwhile, the representative that I have spoken with daily at the collection agency says they have not received anything from the apartment company. Both companies informed me that they are waiting for the other to reach out to them, yet neither company has done so.
I also disputed this collection with the XXXX credit bureaus, but I am afraid if these two companies can not communicate, the collection agency will continue to show that I have an unpaid debt.
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| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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In XXXX XXXX, I received an alert from my consumer report stating that a new collections account was added to my file. Upon checking my credit report, I found that National Credit Systems Inc. had added a negative tradeline to my credit file indicating that I owed them {$3500.00}. I was never notified by this company that they were attempting to collect a debt from me prior to adding the account to my credit profile. I then wrote a letter to the company inquiring about this debt, disputing its validity, and also requested validation that the debt belonged to me. My certified letter was signed for on XXXX XXXX, XXXX. The company then mailed me paperwork that did not validate the debt. On XXXX XXXX, XXXX, I pulled my report again and this company had not notified one or more of the consumer reporting agencies of my dispute, which is a violation of the Fair Credit Reporting Act and the Fair Debt Collections Practices Act. I then mailed a second certified letter to the company informing them of the violation and the letter was signed for on XXXX XXXX, XXXX. The company then mailed me the same paperwork that was sent after my first letter. Again I checked my credit reports on XXXX XXXX, XXXX and one or more of the consumer reporting agencies still had not been notified of my dispute of this account. I mailed a third letter to the company again indicating the violation ; which was signed for on XXXX XXXX, XXXX. I again received the same paperwork. To date, all credit bureaus still have not been notified of my dispute of this debt with this company. I have printed a copy of all three consumer reports dated XXXX XXXX, XXXX and XXXX XXXX, XXXX which show that this account has not been marked as disputed with one or more of the consumer reporting agencies.
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| 12/08/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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A debt in the amount of {$1900.00} from National credit systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company by mail on XX/XX/XXXX and again on XX/XX/XXXX. OnXX/XX/XXXX I requested validation of the debt. I asked the company to show me how they calculated what I owe. The company replied by sending a transaction history and a lease renewal agreement. The lease renewal agreement was signed XX/XX/XXXX. I moved into the apartment XX/XX/XXXX ( which is reflected on the transaction history ). When I moved in I made a deposit of {$1800.00}. My {$1800.00} deposit is not reflected on the transaction history so I wrote another letter to the company onXX/XX/XXXX. In this letter I let them know that they were reporting an incorrect amount owed. I asked them to retrieve the lease agreement that I signed on XX/XX/XXXX. This lease agreement will list the {$1800.00} deposit. Without this lease agreement the debt has not been validated as accurate because it can not be reconciled with the transaction history. I received a generic response from National credit systems and the item remains on my credit report. This company is violating the FCRA 609. Also please note that I also disputed this matter with the credit reporting agencies and National credit systems confirmed the debt amount as accurate. Please hold this company accountable by requesting the XXXX lease agreement and requiring them to deduct the {$1800.00} deposit from the debt amount. Also please note that I contacted the apartment complex several times after I moved to recover the deposit. National credit systems did not contact me in regards to this debt prior to placing it on my credit report as required. Thanks for your time.
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| 03/19/2021 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern : I was the Managing Partner and CEO of XXXX, XXXX, a small software company located in XXXX, FL from approximately XX/XX/XXXX until XX/XX/XXXX, at which point the company was closed down due to financial problems. From roughly XXXX until the company 's close I was a minority shareholder and owned approximately 15 % of the company.
Before the company was shut down in XX/XX/XXXX, it borrowed approximately {$130000.00} in the Fall of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX, and the servicer, XXXX XXXX XXXX XXXX XXXX located at XXXX XX/XX/XXXX XXXX XXXX, XXXX Fl New York, NY XXXX. This loan was unsecured. It had NO personal guarantees and even had a clause expressly written into the agreement stating exactly that. When the company was shut down there were no assets left to repay this debt.
Therefore, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX filed a lawsuit against myself and my father, XXXX XXXX , who was also a company shareholder, in a New York court in an attempt to collect the debt from us personally. We defended ourselves pro se and the case was dismissed ( based on the fact that we had not personally guaranteed the debt and showed proof of that to the court ).
This debt has never been determined to be a valid personal debt of ours. However, that did not stop XXXX XXXX from filing a personal debt collection against me with all three of the credit bureaus. This debt has been on my personal credit report as an outstanding and delinquent debt that I personally owe. However, by law, I do not owe this debt personally and I would like it removed from my credit report. It has been negatively impacting my credit score, despite me not being personally responsible for the outstanding amount.
Rgds, XXXX XXXX
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| 11/30/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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After renting from XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, Ky. XXXX for 2.5 years never being late for rent, never being wrote up I received a 30 notice to vacate by the XX/XX/XXXX, no reasons, because when I started living there I was a truck driver and three months after being there I had to stop because of health problems, which made it hard to get a apartment cause I had started getting XXXX XX/XX/XXXX my income had changed, so it took me to the end of the month before I found one, but I did not come back to the premises after XX/XX/XXXX, I went to a XXXX XXXX and stayed a little over a week, put my furniture in storage. I got in the new apartment the XXXX or XX/XX/XXXX did not look back or go back to the other apartment cause of being furious about what they had did. Left the deposit. About XX/XX/XXXX I went online and saw that XXXX XXXX said I had some activity and found a bill from a credit collection agency for XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX Ky. XXXX for XXXX one of the bills was for rent of XXXX for XX/XX/XXXX and I had vacated and the other was for late fees of XXXX a constable fee, a clean up fee, etc. I see it as gouging me and extortion for a outrageous amount as you will see on the last rent payment is XXXX which there was a XXXX lockout fee which I thought was overly priced for a key and XXXX or XXXX fee over XXXX utility cap, they were also known to charge XXXX a day late fees for rent, etc. I did not find out about these outrageous fees until after I moved in. My point being is that I never knew about this XXXX charge until I checked XXXX XXXX, I had no chance to dispute before it went to my credit report, I am walking with a cane it wasn't like I was running around in the apartment tearing up stuff deliberately.
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| 08/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have tried multiple times, with no success, to get validation of a debt being reported on my XXXX and XXXX reports. I have contacted XXXX, XXXX and National Credit Systems for validation, however, the only thing I continue to receive are updates to my disputes that the account has been verified and updated. I have yet to receive documentation, as requested from either party. I 've been trying for two months now with no success. I 've sent US Certified Mail to all three parties on multiple occasions. In addition to me trying to get these two accounts being reported by National Credit Systems deleted from my credit report, there has been a third account added to my report, with an open date of XX/XX/XXXX that was not on my report prior to XX/XX/XXXX. I am not sure why this account was added to my report. The account numbers are # XXXX in the amount of {$1900.00}, # XXXX in the amount of {$500.00} and the third account # XXXX in the amount of {$2400.00}, which is the total amount of the two previous accounts added together. National Credit Systems added a third account to my creditreport combining the two totals from the previous accounts and now, it is showing that I have three outstanding accounts with this company. Not only has XXXX, XXXX and National Credit Systems failed to provide me with written documentation as to the validity of this debt, they have also not provided me with documentation as to how they went about verifying the debt. I do not believe that the debt can be validated and am asking that all three negative entries be deleted from my credit reports immediately. Finally, I checked the North Carolina Department of Insurance website to see if National Credit Systems had the permits to collect on this debt and they do not.
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| 01/29/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am writing today to request the help of the CFPB with my dispute with National Credit Systems , Inc . They have purposefully violated my rights under Section 1692g of the FDCPA and the FCRA for furnishing data to XXXX and XXXX when they have not properly validated this alleged debt.
On XX/XX/XXXX I received a letter dated XX/XX/XXXX from National Credit Systems , Inc. regarding an alleged debt. On XX/XX/XXXX I responded with certified documents disputing this debt. National Credit Systems received these documents on XX/XX/XXXX at XXXX XXXX - document evidence attached. As of today, National Credit Systems , Inc. failed to respond to my request for validation and have violated 15 U.S. Code 1692 ( g ) validation of debts, which states, the debt collector must cease collection of the debt, including credit reporting until the debt collector obtains verification of the debt and is mailed to the consumer by the debt collector. As of today, XX/XX/XXXX National Credit Systems , Inc. has not provided this information, yet, has listed this alleged debt as a derogatory account with both XXXX and XXXX. National Credit Systems has even noted the account with both credit reporting agencies as " Account information disputed by consumer, meets FCRA requirements '' ; however, never fulfilled their obligation.
Please note, in light of the KNOWN issue with the United States postal service delivery, I can not be held responsible for the delay in mail delivery. For this reason, I have attached proof of delivery that shows I was well in the timeframe of the 30 day notification period. National Credit Systems , Inc. did not make any internal adjustments to their processes ; instead willfully chose to be in non-compliance with the FDCPA and FCRA.
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| 11/05/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
Servicemember |
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I my personal credit information was exposed in both of the XXXX data breaches. I have been working on fixing my credit since XXXX of XXXX when I first noticed the problem. Both XXXX and XXXX accepted my paperwork with no problems and blocked the information from my credit report. I have submitted the same paperwork along with additional notarized paperwork every time they ask to XXXX and since they have added 2 additional variations of my social security number along with an entire social security number all together. They have added fraudulent address that have never been reported to my credit files along with additional fraudulent accounts that have seemed impossible to remove no matter what information I submit. I have spent countless hours on the telephone and sending documentation along with money sending certified documents and getting paperwork notarized multiple times. I have lost several contract for my business because of their poor credit reporting of fraudulent information. They have been extremely negligent with my personal information and I have been unable to resolve this issue through regular channels. I get different information every time I call and it has effected every aspect of my life.
Fraudulent Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Collection Accounts : XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) XXXX National Credit Systems ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX Inquiries : XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX
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| 05/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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For the past year I 've been going back and forth with this company and Transunion is the only company left that is keeping this FRAUD on my credit report. I also have proof that I contacted transunion about the dispute on XXXX XXXX XXXX and it is now XXXX XXXX , yet I still have no word from them???? So this is addressed toward XXXX XXXX and National Credit System Dispute Letter of da te you sent in first or subsequent requests This letter is a formal notice that you have failed to respond to my dispute on ( XXXX ). As you are well aware, federal law requires you to respond within 30 days. It has now been over that period. As you are no doubt aware, failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act an d may be i nvestigated by the FTC. Obviously, I am maintaining detailed records of all my correspondence with you. I 'm sure you 'll want to handle this matter as soon as possible. For this purpose, I have included a copy of my original request .... The following information therefore needs to be verified and deleted from the report as soon as possible : NATIONAL CREDIT SYSTEMS - # XXXX Status in Collection : XXXX Please delete this erroneous item from my credit report as soon as possible. You guys are also false reporting on my XXXX XXXX Account by reporting that I have missed several payments. However this is not true at all. XXXX XXXX XXXX XXXX Account Type Credit Card Account Status Closed - Paid and Closed Opened Date XXXX XXXX XXXX Closed Date XXXX XXXX XXXX That 's the actual REAL information that you 're holding out against me. Sincerely, XXXX XXXX
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| 04/19/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I received a letter from CFPB stating that this claim was closed to protect my privacy because you all did not think this was me. The claim that i am not trying to fix my own credit using my own resources and knowledge is frivolous as it does not make sense due to the fact that during the initial submission of the original complaint, I selected that it was me submitting the claim on behalf of me, so how do you send a letter saying that it's not me. How can you deny me a proper investigation or research but not approach the furnisher of data with the same efforts. I have sent multiple written letters sent via certified mail to the original creditor XXXX XXXX XXXX asking for verification of this debt, I've sent multiple letters asking for verification of this debt to the current collection agency NATIONAL CREDIT SYSTEMS and have not received a response. I have proof and documentation of all communication to each of these individual companies and not one of them has provided me with the proper documentation that verifies this debt is mine as i have continued to express THIS ACCOUNT NEEDS TO BE REMOVED IMMEDIATELY DUE TO BEINT FRAUDELENT ; I HAVE NO KNOWLEDGE OF THIS ACCOUNT ; I have been in contact with all 3 credit reporting bureaus and was able to successfully have this account deleted from XXXX due to it not being able to be verified as mine however XXXX and XXXX Continue to state that the account meets FCRA guidelines and the account has been verified. NATIONAL CREDIT SYSTEMS has never proved this debt belongs to me legally, as to why it was removed from XXXX, so please explain to me how it is still being verified as mine with other agencies if data furnishers are required to submit the same accurate information to each bureau.
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| 03/13/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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I am issuing a complaint against XXXX XXXX XXXX as well as National Credit Systems. I was a tenant with XXXX XXXX XXXX for roughly 6 years. When I moved out in 2021, I did a walk through with management, turned my key in along with my badge to the gate and fitness center. Management stated the apartment unit was in good condition and that all balances were satisfied. They did not mention any additional fees such as cleaning fees or anything of that nature. On XX/XX/2021 I received a balance due email reflecting a balance of {$0.00}. Several moths later I was contacted by National Credit Systems stating that they had purchased a debt that I had with XXXX XXXX XXXX. I advised them that the charges were bogus and that I had received an account balance of {$0.00} from XXXX XXXX XXXX and asked them to remove the charges. Instead they reported to all three credit Bureaus ultimately resulting in my credit score being negatively affected as well as causing me to be denied for an apartment to which I lost {$300.00} for application fees, etc. I disputed with all three credit bureaus and they all came back and said they contacted National Credit Systems who stated that the charges were valid although I provided all three credit bureaus with the letter of XXXX account balance. This entire situation has caused me a lot of unnecessary time and energy. I am submitting a complaint against XXXX XXXX XXXX for bogus charges. I also wrote a negative XXXX review for them and much to my surprised there were multiple XXXX reviews stating that XXXX XXXX has also done this previous tenants. I am also issuing a complaint against National Credit Systems for not doing their due diligence and reporting these bogus charges to the credit bureaus. Thank you.
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| 09/18/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Attn : XXXX XXXX, XXXX XXXX and XXXX Please see attached supporting documents. National credit systems INC has falsely accused me of debt that does not belong to me. An application of a lease does not legally bind one responsible for debt unless a legal lease was issued and signed between lesser and lessee.
XXXX properties can not produce an official copy alleged lease because XXXX properties never legally issued a lease agreement in my name.
Falsely stating there is a judgment against me is a complete lie. If the judgment was issued for my alleged lease the Lessor would have contacted me year and a half ago. It will also be reported to the credit bureaus.
This company purchased my old records to use Poor unregulated tactics to have me given in to their fraudulent debt. This company has over XXXX complaints on Better Business Bureau with additional XXXX complaints within the last 12 months, and terrible reviews on XXXX.
The only person I will allow legal communication with is XXXX XXXX, XXXX XXXX the department managers and XXXX the department supervisor to notify me via phone or by mail to let me know the collection account has been removed from both credit bureaus.
This error has affected my financial health tremendously. I have an active investigating with the credit bureaus and also with my local police department.
XXXX XXXX from XXXX XXXX XXXX does not have the legal right to contact me via phone, email or by mail after receiving this notice.
If National credit systems INC does not remove their collection error off Equifax within 30 days from receiving this letter. My attorney will then being the legal process to rightful sue this company for fraud, defamation, legal fees and emotional stress.
Thank you, R L
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| 05/19/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I Have disputed this claim on many occasions, on and off and keep getting back that these charges are accurate. When i contact National credit system inc about disputing one debt they bring up a past debt and tell me to pay an old on that is 7 or 8 years old now. They are demanding i pay XXXX for the apartment complex waterford grove apartments located at XXXX XXXX XXXX XXXX Texas XXXX. Management agreed to let me out of lease without any penalty nor fees per XXXX XXXX property management at the time. Now the company has been taken over by new management team. The company lied and told me that XXXX was no longer there and lied to me. She just refuses to talk to me and refer me back to debt collectors. The ledger balance provided by debt collector does not have a signature on it from management, dates of the lease agreement are off from ledger dates. The lease agreement does not mention anything about a XXXX amount for failure to give notice or early termination addendum. I have never signed one and demand the agency provide me proof that i owe these made up charges. I provided documentation in writing prior to leaving XXXX XXXX XXXX. I put in request some time in XXXX of I requested my file they claim it wasnt on site nor old corporate office.but they dont prior to me getting out of lease. Me and XXXX mutually agreed that i wouldnt have any penalties or fees because of all the problems that they never fixed. I have experience nothing but bad at these complex from the mold, water leak, bad ac unit, roach problem, car being towed several time, ticketed for no parking spots, sewage. problem, and car being broken into. I wouldnt recommend this place to a stranger. I want this corrected and to take off the inaccurate charges.
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| 08/22/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XXXX XXXX, 2017 I received notification from the credit bureau about a past due balance of {$4200.00} for the breaking of a Lease by XXXX XXXX/ XXXX . I received no notification in the mail from either party. I received no right to dispute from the collection agency, and they immediately hit my credit. So I called the number listed on my credit report and spoke to a XXXX XXXX. After asking him to provide documentation of the debt, he raised his voice, told me I just do n't want to pay my debt and hung up on me. I called back and asked for his manager. She spoke to me in the same tone, however agreed to send me paperwork in the mail. Once I received the letter just stating the amount owed, paperwork from XXXX stating it would not be sent into collections until XX/XX/2017 ( paperwork which I have ) and a unsigned letter from XXXX stating the balance owed, I called XXXX XXXX back on XXXX XXXX,2017. I told him I will pay what I can when I received my bonus from work in XXXX. Flash forward to XXXX XXXX, 2017. I called XXXX XXXX to let him know I would be paying for the debt my next pay period with my bonus. He stated verbally the settlement amount was for {$2100.00}. XXXX XXXX called me on XXXX. I stated I would mail him a check for the amount of {$2100.00} and he told me that is no good. I have to pay by phone know in order to settle. That as of XXXX XXXX 2017 that settlement price may go up. I want to settle the account for the amount they told me and the only way I can pay is VIA check. I called back and paid and settled the debt. ( I have documentation. My credit should of never been hit. I have a letter from XXXX showing I had until XX/XX/2017 to pay the balance. It is now settled and it is still showing on my credit.
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| 03/30/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I am a single mother of XXXX children under the age of XXXX.
I had signed a new contract with XXXX XXXX XXXX XXXX on XX/XX/2020, due to a separation divorce on my end.
On XX/XX/XXXX, two weeks after signing the contract, I reached the office in person, spoke with their assistant manager, surrounded the apartment, gave them back the apartment keys. Also, I explained that my current self-employee job and workplace were being shut down and closed due to COVID-19 until further notice ( letter received from my workplace/ the landlord was on XX/XX/XXXX ).
I informed them that due to the uncertainty of the current global situation, I would surrender the apartment because of job loss and hardship. On XX/XX/XXXX, I received their final " Move-out '' statement dating the " cancellation charge date as of XX/XX/2020 '' and the move-out date " XX/XX/2020, '' with an outrageous final charge of {$6900.00}.
I had called them several times to speak to the manager in charge, not the assistant manager ; it was denied, according to them, because the case was closed and on the way to collections.
On XX/XX/XXXX, XXXX, I sent an email to their local and corporate office asking them to have these charges removed in good faith and stop the collection process because of the COVID-19 PANDEMIC situation, me not being in the apartment, not even a month under the contract.
Also, I informed them that the contract stated that violates the spirit of the force majeure clause of the agreement ( Due to an unforeseen- CORONA-19 virus ). And, it also is unconscionable during this unprecedented pandemic.
No responce from them, or corporate. Now my credit is ruined. I am unable to rent anywhere else because of the collection debt on my account.
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| 07/05/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company, NATIONAL CREDIT SYSTEMS INC, showed up on my credit report with an original creditor of XXXX XXXX in XXXX. I immediately called the apartment complex listed, and was told that the company, XXXX XXXX was no longer the owner, and that it had not been for over a year. I was then given a number to the PREVIOUS owner, and they stated they had no record of me in their system, nor a debt. I then called National Credit Systems. National Credit Systems could not locate the information based on my social OR birth-date. There was a file under the name XXXX XXXX but, it was not my social or birth-date. Within days, my phone number ( which was recorded during my call in ), was used to call repeatedly about the debt from an " attorney ''. This " attorney '' would basically try to verify my social .... verify he didn't have my social OR birth-date, but then threaten to see me in court and hang up. I called the previous owner of XXXX XXXX and the current owner AGAIN and both verified they have NO ONE by my social or birth-date in collections with them. I finally got a hold of a manager at NATIONAL CREDIT SYSTEMS who verified that the file had was not my birth-date OR social ... but that it was MY responsibility to prove to them that I lived somewhere else during the time of this debt. They also refuse to DISCUSS the account with me because I can't verify the SOCIAL that they have. Somehow, throughout all of this, it is STILL being reported to my credit bureau, even with them not knowing my social. This is not me, not my information, just a common name. Also, they continuously call and threaten, and hang up .... I shouldn't have to send them MORE of my information when something as simple as the SOCIAL is not the same.
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| 07/10/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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On XX/XX/XXXX I received a phone call from National Credit Systems of XXXX, GA saying that I owed money on an account for which I was the co-signer ( the account was for a rental apartment for my granddaughter [ XXXX XXXX ] in XXXX, OK ). I told the " customer service representative '' that I would look into it. The " customer service representative '' ( who gave the name " Miss XXXX '' ) told me that the account would be put into dispute. After communicating with the landlord at XXXX XXXX I discovered that the collections agency was trying to collect a debt on the XXXX of XXXX that was not due until the XXXX of XXXX. The landlord 's representative acknowledged their error and said they would fix it with the collections agency.
On Monday I called the collections agency to verify that the debt had been cleared. I spoke with the same " customer service representative. '' I reminded her of our conversation on the previous Friday and that the landlord 's representative would be sorting out the issue with them. The " customer service representative '' told me ( essentially ) that she didn't know about any clearing of the debt, that the debt was not in dispute ( despite what she had told me on the previous Friday ), and that I needed to pay the debt " now '' or else it would go onto my credit report ( " we put things on people 's credit reports every two weeks '' ). The " csr '' was unwilling to listen to anything I had to say, repeatedly interrupted me when I was mid-sentence, and kept telling me that I had to pay the debt. Additionally, I had not received any mail notification of the supposed debt prior to the call. Also, the company masked their identity and location by using a phone number with a XXXX MA area code.
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| 09/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Original : XXXX XXXX XXXX Collection co : National Credit system /Account # XXXX/ For the amount of XXXX XXXX
I do not owe this debt. These charges is completely fraudulent. I was on month to month ( one month at a time ). After 13months of being on month to month, leaseing agent gave me a written notice via text terminating our month to month agreement. I was told in that notice that i could no longer be on month to month, and to vacate if I didn't complete a renewal by XX/XX/XXXX. I complied, i moved out. Leaseing agent completed a residency verification so I could move into my current place. I signed my current lease XX/XX/XXXX move in XX/XX/XXXX. XXXX XXXX then added fraudulent charges, after I moved out and received my written notice. I am being charged for 3 months after I moved out even though month to month is one month at a time. I have repeatedly uploaded this written notice via text that I deemed as a proper notice to terminate my month to month agreement. payment ledger show payment stopped when i moved XXXXwhich lines up with notice.I have given ncs the same info though disputing, XXXX complaint, and calls. I n the messages I'm repeating telling them I moved, and they still added fraudulent charges every month I have made ncs aware of this and they continued to update this on my credit report after they bought this fraudulent account. The lease and payment ledger was sent to me by National Credit system.
In accordance with the Fair Credit Reporting act XXXX account XXXX, has violated my rights.
15U.S.C 1681 section 602 A states, I have a right to privacy.
15 U.S.C 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish a account without written instructions.
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| 10/18/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I received a letter from National Credit Systems, XXXX XXXX XXXX XXXX, GA XXXX letting me know that I had an outstanding debt of {$3400.00} to a company called XXXX. I called them back at XXXX and after they checked my identity, they told me that it was n't me so i did not have to worry about it. A couple weeks later they called me again asking me if I was going to pay this debt, again I explained to them the situation and after a long conversation they understood it was not me.
Fast forward to XXXX/XXXX/16 I received a credit report alert telling me i had a new negative loan on my account. Checked it and it was them. They had added it to my credit report without my social security. I do n't understand how they can do that but it was there.
I called them and spoke to a XXXX XXXX who is in charge of the account # XXXX. After she rudely asked me for my information and I gave her my SS she proceeded to tell me that it was not me and she could not give me any more information on how it was added to my credit. She said that I could dispute it with the credit company but that she was not able to do anything about it.
I called her yesterday to see if anything had changed and left a message, so i called her again today XXXX/XXXX/16 and now she told me that i have to submit a fax with my credit report, my SS card, my drivers license, and all this other information, and that there investigating team would look at it and get back to me in possibly 2 weeks.
It is companies like NATIONAL CREDIT SYSTEMS that take advantage of people and get no punishment for doing things like this. It is up to me to prove to them that it is not me when they knew it was not me in the first place. We need to do something about this.
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| 10/30/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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This company ( national credit system ) which I hold No Contract with nor have received services from is a 3rd party agency who has no right to collect anything from the alleged debtor since there is no way they can prove they were on any original contract. 73 Amjur, 2nd, Section 90. You have no right to subrogate ( substitute ) yourself into a contract. Whether it be by purchase, assignment, transfer, or trade. If you bought the debt you did it on your own behalf. Not at the request of any alleged debtor, and therefore are a stranger to the transaction ( voluntary payee ). Reporting of this debt is a violation of the FCRA and the FDCPA.
Ive conducted some research on this company and in the state of Arizona this company is not Licensed, Bonded, and does not have a Certificate of Authority to collect in the state of Arizona. This is against the state and federal laws. According to the FDCPA : Under the Act, a debt collector communicating with persons other than the consumer for the purpose of acquiring location information about the consumer shall not : use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt ; 28. The Arizona Department of Financial Institutions ( AZDFI ) is statutorily charged with the licensing, supervision and regulation of state-chartered financial institutions and enterprises.
They are in Breach of Contract by violating the Arbitration Clause. Once a company charges off the account and sends it to a collection company they are in breach of their own contract. This is against the FCRA.
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| 11/10/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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The debt is from a lease. I was constructively evicted from the apartment due to XXXX. I had to go to the hospital with smoke XXXX. I left the apartment at the end of XX/XX/XXXX and had paid through the end of XX/XX/XXXX. The debt is for partial rent in XX/XX/XXXX I disputed this debt with the landlord XXXX explaining that I had been constructively evicted. XXXX never sought a judgment against me. They ceased trying to collect the debt in XX/XX/XXXX National Credit Systems XXXX Inc. contacted me on XX/XX/XXXX, by phone claiming that I owed this debt and threatening to report it to the credit agencies if I did not pay. I told them that I do not owe this debt because I was constructively evicted from my apartment. On XX/XX/XXXX I received a letter from National Credit Systems XXXX Inc. dated XX/XX/XXXX claiming that I owe this debt and stating that unless I notify their office within 30 days, they will assume that the debt is valid. On XX/XX/XXXX, I wrote them a letter stating that I did not owe this debt because I had been constructively evicted from my apartment due to XXXX. According to XXXX tracking they received this letter on XX/XX/XXXX. On XX/XX/XXXX at XXXX a.m. XXXX, National Credit Systems XXXX Inc. called me from XXXX. They again claimed that I owed the debt and threatened to contact the credit agencies if I did not pay. I told them that I had sent them a letter explaining that I do not owe this debt. He claimed that I had not sent them a letter. I told them that I had proof that they had received the letter and then he admitted that he had the letter. He told me that they would verify the debt and then report me to the credit agencies. He recorded the call, but only part of the call.
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| 08/13/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have multiple issues with National Credit Systems , Inc. including, but not limited to : -I have received multiple requests for funds, without an explanation of why the amount is what it is. The collection bill is not itemized and does not reflect what I was actually paying while I was a resident of the collection agency 's client- Piney Point Apartments. So I 'm not sure where this arbitrary lump sum amount of {$950.00} is coming from. -I never once received notification directly from XXXX XXXX XXXX saying that I owed money or that they would be forwarding a balance to a collection agency. They have all of my personal information on file, so there 's no reason why I should n't have been notified before being sent to collections. -Neither XXXX XXXX XXXX nor National Credit Systems , Inc. have informed me when this collection balance became delinquent or when the statute of limitations will expire. -National Credit Systems , Inc. did not disclose that they would be sending the collection balance to my credit bureau immediately, without allowing for resolution first. -National Credit Systems , Inc. never once identified themselves nor did they have any identifying information about me or the specifics of my residency at XXXX XXXX , when contacting me. They also have failed to identify themselves either by name or by licensing number. -I 'm getting random collections calls from every state in America , which seems a little bit shady if this is supposedly a legitimate business based in XXXX , GA. -Legally, the apartment complex had to notify me before forwarding my personal information to a collection agency, which they failed to do. I never once received correspondence directly from XXXX XXXX.
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| 04/27/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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On XX/XX/XXXX or XXXX, XXXX I left an apartment complex. I filed out paperwork in the leasing office, and both my ex and I signed and paid to have me released from the lease. We gota divorce and our debts were then declared our own. In summer, I believe XXXX, of XXXX I noticed a new debt on my credit report from the apartment. It was for {$880.00}. I called the apartment and explained to them the problem, and the apartment number they had the debt for I never even lived in. Yhey claimed to have switched mangement and were no longer able to find my paperwork getting me off the lease, but called the debtors to correct the apartment number. I offered to show proof that I had left the apartment in XXXX of XXXX after only signing a lease in XXXX of XXXX. I was told both times I called that they would fix it. They have not. I called the creditor in XXXX as well, they refused to even hear me, they refused to accept my proof that I had left. And when I told them my divorce states that my exes debts are theirs, they refused to take me off the debts. Holding me responsible for debts that don't belong to me. I have since had the report removed from my XXXX XXXX account and just from that my score is 100 pts higher than it is on XXXX because of this false debt. The complex are frauds, and so are the debt collectors. The collectors call me now three times a day from two different phone numbers to collect a debt that never belonged to me in the first place. They said they would email me with a response to my claim that the debt doesn't belong to me, that was before the new year. I haven't heard anything back, but I keep getting phone calls and my credit remains stagnant with their false reporting.
|
| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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An apartment complex sued my wife and I because rent was received via overnight mail 1 day late. The amount due was {$5.00}. They sued us for possession and received a judgment on XX/XX/XXXX in the amount of {$3400.00}. We found out a few months later that XX/XX/XXXX NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX GA XXXX ( XXXX ) XXXX placed the judgment on my credit in the amount of {$9400.00}. When we contacted them and advised 1. we never received notification of the debt as we were in the process of negotiating the amount with XXXX, the actual company that received the judgment. 2. there was no justification of the amount reported that was nearly triple the judgment amount. The company advised we received notification of the debt or how else could we contact them. I was notified when checking my credit. There is no way they could have received and validated the debt in 30 days from the actual judgment when we would have been given 30 days alone to validate it. We were not given anything. They also advised if we have a judgment we know we owe them money but again the dispute is for the amount. They continue to validate the amount without providing any proof of the amount or that they are legally able to collect as the amount supposedly includes the judgment to XXXX but they are reporting the creditor as XXXX XXXX which no longer exists. There is nothing accurate or legal about the way this debt is being handled. The collection agency is conflating the amount they claim we owe with the amount of the judgment by pretending they're 2 separate amounts but reporting an amount that clearly includes the amount of the judgement along with the additional yet inexplicable inflated amount.
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| 06/09/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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NATIONAL CREDIT SYSTEMS is in violation of 46 of the FDCPA Laws as you can see in Exhibit A, B, and C. Also they are in violation due to a phone call I received, a phone call without my prior consent is a violation of 15 USC 1692c ( a ), the tone of the agent is a violation of 15 USC 1692d ( 1 ), the agent also said it was an attempt to collect a debt which is a violation of 15 USC1692b ( 2 ). and it was a very inconvenient time which is a violation of 15 USC 1692c ( a ) ( 1 ) as you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS On XX/XX/2021 I sent NATIONAL CREDIT SYSTEMS a debt validation letter, it was received and sign for on XX/XX/2021. Federal law states they have 30 days to respond. Today is XX/XX/2021 and we are now past the 30 days and I have not received anything from NATIONAL CREDIT SYSTEMS. As you are aware, " Estoppel by Silence '' legally means that they had a duty to speak but failed to do so therefore, that must mean NATIONAL CREDIT SYSTEMS agrees with me that this debt is false.
NATIONAL CREDIT SYSTEMS failed to validate a debt at my request, which is a FDCPA violation and continued to report a disputed debt to the Credit Bureaus : another FCRA violation. By doing so and by reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ).
I want remedy by paying the invoice included of {$46000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment.
Thank you, XXXX XXXX
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| 11/29/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XX/XX/XXXXI was a XXXX at college and wanted to move off campus for the XX/XX/XXXXyear. I found these apartments and me and a group of friends went to tour the apartment. The tour guide offered us interest papers to sign to hold our place but in no clear terms did she mention we were signing over our right to that apartment complex. Because I was an early age of XXXX I had no proof of income and no credit so I needed a guarantor to be qualified to move in. My guarantor declined my request which resulted in me not moving in. A couple of months later I get a collections call saying I owe the apartments complex almost XXXX XXXX dollars. I was never notified of this, I was never offered room keys, and as far as I knew my application was never suppose to be processed because it was incomplete due to my missing guarantors signature. I have had to suffer for the last 3 years because of this. I was homeless for about a month because an apartment complex I never lived in. This is not right, then to make things worse, Ive come to find out my room that I had planned to move in was subleased out during the semester, so how can two people lease out the same 1 bed room apartment. This has blocked me from getting my first car in my name, I can not get support from banks, I also have trouble finding my own place to live in my name because of this. I literally have to depend on others now because to everyone else I'm not dependable because of an apartment complex who wanted to get over on a uninformed college student. I have been dealing with this for 3 years and I still have 4 more years of torture to go, so at this point all I'm asking for is help on how to get out of this quicksand situation.
|
| 06/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2019 I sent a dispute letter to the collection agency known as National Credit Systems disputing the alleged account and requesting for account level documentation about the debt to be sent to me via mail. I also sent my dispute via certified mailing. I did not hear or receive anything from the agency until XX/XX/2019. In which they sent a settlement offer but never fulfilled my request for verification of such debt. I then proceeded to send another dispute via certified mailing on XX/XX/2019 stating that the agency did not send me any verification of debt to continued to attempt to collect on the debt via phone and mail. They then sent me an old rental agreement but never stating the break down of the bill on XXXX XXXX. I then even contacted National Credit Systems via phone call in XXXX for them to continue to give me the run around and continuously attempt to collect on the alleged account.
This has been a struggle for going on a year and they agency has failed to allow me to exercise my rights as a consumer. They have violated the FDCPA ( Fair Debt Collections Practices Act ) and the FCRA ( Fair Credit Reporting Act ).
I am requesting that this agency National Credit Systems to immediately remove this account from my consumer credit reports as well as stop attempting to collect on this alleged debt due to these unlined violations. I have consulted with an attorney and they requested that I take this route to get this issue addressed but if not addressed and resolved I will be seeking legal actions. So I am demanding that this agency does what's right and we can end this soon. Thank you so much for your understanding and willingness to resolve this unforeseen matter!
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| 02/24/2023 |
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
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Web |
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15 US Code 1681e states that every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. I am not satisfied with my previous dispute because I have reason to believe that this company did not follow reasonable procedures when investigating the items that I disputed on my credit report, I believe that the company 's investigation was done by an automated eOscar system which is why the investigation yielded inaccurate and false information 15 US Code 1681i ( Section 5 paragraph A ) states that Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) PROMPTLY DELETE that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. From my understanding this company could be held liable for willful noncompliance under 15 US Code 1681n especially due to the statutory and actual damages i've suffered.
The furnisher of the information is also liable under the FCRA under 15 USC 1681s-b ( 2 ) because they were notified of inaccurate and incomplete information on my report, and a proper reinvestigation was not done because the information is still inaccurate
|
| 08/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems Inc. are attempting to collect a debt that is not owed and are reporting on my credit report. I had a judgement with an apt that resulted in a ( POSSESSION ONLY ) -No Monies Owed. I have Documentation from my Countys General Sessions Court of which it was handled. They are attempting to collect {$3900.00} and have not provided where these fees come from. They then told me that it was forwarded to a law firm and provided me with a number. I called the number provided and the law firm told me that they they would send a print out of the " alleged '' fees. I have not received any information. I have called both companies multiple times. Though National credit systems have stated that they do not have my " case '' any longer they are still reporting currently on my credit report. I have tried disputing with XXXX and XXXX sending proper documentation showing that i do not owe this debt and they stated that the debt was validated and have not shown me how or what the verification details include. Due to this i have faced homelessness with me and my XXXX children because we are unable to get approved for a home due to this false report on my credit report. ( its an automatic denial if your report shows a balance owing someone ) ... I also sent a print out of my rental report to the bureaus and it also shows that i have {$0.00} dollars owed from original company and yet they still denied my request of removal. I also called original company and asked to speak to manager on multiple occasions and left my contact number each time and have not received a call back or email. There has been no solution to this in almost a year of attempting to get this squared away.
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| 04/26/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Rented a home from XXXX XXXX XXXX in XXXX, in XXXX KS. Sent them 30 day notice in XXXX, stating that i was moving out of the property due to mold and other property issues that the management failed to address ( the home had flooded at least 3 times, causing water damage to the carpets, ceilings, etc. ). In XXXX of that same year, XXXX, XXXX, had sent me a letter asking me to either turn in the keys or an eviction would be filed. No eviction had ever been filed as I returned the keys. A move out inspection was performed w/o my being present, despite my asking to be. I did ask for pictures, but no response was ever given.
A year later, I received a notice on my credit report from a collection agency, not National Credit Systems, that I owed {$5800.00}. When I inquired about it, i was sent an itemized statement, listing damages that were mostly due to flooding that had happened in the home. In addition, they had charged me for rent after I had left, despite having kept my deposit and owing me money for " concessions '' due various issues i had faced while living in the home. When I called XXXX XXXX XXXX, the original creditor, to inquire about these charges, they could not find my file. I then contacted that collection agency and demanded they cease collections as the debt could not be validated.
Now the debt is being handle by National Credit Systems I have asked them to validate the debt. Instead, they have the debt listed in my credit file as a " medical debt '' when, in fact, it is NOT a medical debt.
As the original creditor has no record of this debt on file and is unable to verify/validate this debt, National Credit Systems has no legal standing to collect on this debt.
|
| 03/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
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Web |
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I moved into an apartment in XXXX XXXX XXXX XXXX called XXXX XXXX and a few months after moving in I went home to XXXX for 2 weeks for a family emergency. I had gotten a call from a neighbor next door that they were several people in my unit. I called the 24 hour security the second I found out and he went right to the unit and a female opened the door while I was on the phone with him.
He specifically asked her if she was ( my name ) she replied with yes. They did not make her show ID to prove her identity. I called the police, I called the property several times and there was nothing anyone could do to get her out. I turned off electric to try to run her out. Then very rudely was notified the next day by the office that Im not allowed to turn it off during an active lease so the property had it turned it on again through there company name. I was exchanging emails and phone calls with the company and nothing was done. With signed permission from me to the property through email, I had a friend go to my unit to make sure nothing was damaged. She had to give her ID in exchange for keys to the unit. This was allowing her to go in to make sure things are OK on my behalf. When she was in the unit, all my furniture, TVs, kitchen goods, everything had been gone. Im told I owe over {$8000.00} to this company. I have been fighting for years. I stopped all communication with them as they are not helpful. Always told nothing can be done due to squatters rights but what about my rights as a tenet. They did not protect my unit knowing there was nothing I could do while away. This place has caused me nothing but trouble. I have made police reports hoping it would help resolve the issue.
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| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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In 2017, I moved with my husband and XXXX young children to the XXXX XXXX apartment, Address : XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX, we did a 12-month lease. Within 10 months of reading, the condo became infected with Mold, many of the apartments in the condo had to close due to the infection. Our apartment got mold infected as well. The condo 's maintenance department hired an agency to clean up the mold, they closed our apartment, for weeks, we had to go to our parents ' house. In the process, all of our furniture, clothing, and other items had to be thrown away due to the infection. Our children got sick from the infection. We require the condominium to close the contract, to rent elsewhere due to the high volume of infection. After 3 weeks, the condo informed us that due to the mold, we could leave without problems, because there were only 2 weeks until the expiration of the lease. and that it was not required by law to sign any document to complete a lease. We left the condominium, with many material losses, but, 2 years later, a debt for the value of {$5800.00} appeared on our credit report. We never received notification from the condo, any calls, or emails to tell us there was a problem. We contacted the condominium about this problem, they told us that all the staff had been fired and they had no information, that we should contact the management of the condominium. We contacted the central administration, and after 1 month, the general manager asked us if we had proof of the problem to solve it. We emailed him photos and videos of the mold, the apartment closed due to infection and after 2 months of waiting they cut communication and sold the debt to a collector.
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| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021 I received an initial communication from National Credit Systems stating that a debt was owed.
On XX/XX/2021 I requested, via certified mail, a validation of that debt also asking that they verify that they are legally authorized to collect on that debt.
On XX/XX/2021 I received a letter from XXXX XXXX stating that I haven't made a suitable arrangement to resolve this debt. Violating the FCRA On XX/XX/2021 I sent a follow up letter, via certified mail, because I had not received validation or verification. On this date National Credit Systemts effectively violatined Fair Debt Collection Practices Act, 15 USC 1692g If the consumer notifies the debt collector in writing within the thirty-day period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or any copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector.
On XX/XX/2021 I received communication stating that they haven't received information to validate my dispute.
On XX/XX/2021 I send a follow up letter to the correspondence I received on XX/XX/2021 to provide National credit Systems with further information to " validate my dispute ''.
On XX/XX/2021 A collection was reported on my account in further violation of the FCRA.
To this date I have not received proper notification that its a valid debt.
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| 08/30/2016 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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A death occurred in my apartment while I was away from home for about a week. When i came back it was a month before my movout date but felt early departure was nessisary due to the current circumstances. Upon looking for a new residence to live in, 10 months after i moved out, I am finally notified of the remaining balance owed to my apartment managment. I called my old apartment complex to try and resolve the issue. They insisted that I come by in person and pay the full amount, totaling over {$5000.00}, in cash. I called the collective agency and they informed me that the aprtment complex was legally obligated to resolve this debt through a collector, but they had no documentation of a claim. I myself had to coordinate between the debt collector and apartment to get a claim filed. This took about a week and by the time it was filed my apartment was under new management. I decided to go in person and speak with this new manager. She told me that she was not informed about the situation at all, so we went over my account and she was appauled with how many unnecessary charges were present. Not only did she deduct about {$1000.00} worth of charges, she also told me that the previous managment had never recieved my former roomates social security number and there was no way to contact him or hold him liable for any part of the debt. At this point the consistancy of unprofessional occurrences led me to the believe that this dispute was nessisary. Not only did they try and over charge me AND pocket the money without going through an agency, but the lease was faulty from the beginning, and they knew i would be the only XXXX able to be held liable for any charges upon moving out.
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| 11/25/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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NATIONAL CREDIT SYSTEMS IS IN VIOLATION AND A SERIOUS BREACH OF TRUST AND HAS VIOLATED MY CONSUMER RIGHTS AND VIOLATED CONSUMER LAWS. YOU HAVE VIOLATED THE TRUTH AND LENDING ACT AND ALSO AGGRAVATED IDENTITY THEFT - 18 USC 1028 A. ALSO YOU ARE IN VIOLATION OF 13 OTHER LAWS THAT YOU ALL CONTINUE TO VIOLATE. YOU ARE IN SERIOUS BREACH AND HAVE COMMITTED SEVERAL VIOLATIONS : 1. 15 US Code 1681a ( 2 ) ( B ) - CHARGE OFF, REPO, FORECLOSURE 2.15 US Code 1681 c 2- BLOCK OF INFORMATION RESULTING IDENTITY THEFT 3. 15 US Code 1681e ( b ) - MAXIMUM ACCURACY 4. 15 US Code 1681 a 2 - DEFINITION, RULES OF CONSTRUCTION 5. 15 US Code 1692 C - COMMUNICATION IN CONNECTION WITH DEBT COLLECTION 6. 15 US Code 1692 G - VIOLATION OF REPORTING A COLLECTION 7.15 US Code 1601- CONGRESSIONAL FINDINGS AND DECLARATION OF PURPOSE 8.15 US Code 1681 a ( 2 ) ( A ) ( i ) - LATE PAYMENTS 9. 15 US Code 1681b ( a ) ( 1 ) ( 2 ) - PERMISSIBLE PURPOSE ALL VIOLATIONS THAT I HAVE BEEN COMMITTED AGAINST ME, MAY BE SUBJECTED INTO A LAWSUIT LOCATED NEAR A VENUE NEAR ME. YOU HAVE YET SHOWN ME PROOF OF WET INK SIGNATURE, PROOF CONTRACT WHICH HAS TO BE NOTARIZED ( JURAT ) AND HAS TO HAVE 2 WITNESSES THERE AT THE TIME OF THE CONTRACT BEING LEGAL BIDING CONTRACT. PROOF THAT YOU STOLE MY SSN MAKING THIS IDENTITY THEFT 18 USC 1028 A. PROVE TO ME THAT I DID ANY BUSINESS WITH THIS COMPANY. THIS COMPANY STOLE MY IDENTITY AND MY SSN. THIS ANOTHER VIOLATION 10. 42 USC 408 ( ILLEGAL AND FRAUD TO ASK FOR SOCIAL SECURITY NUMBER ) YOU HAVE 5 DAYS NOT 60 DAYS. ITS UNLAWFUL TO KEEP HARMFUL AND DECEITFUL INFORMATION ON MY REPORT. PLEASE AGAIN, REMOVE ALL HARMFUL, UNLAWFUL, DECEPTIVE, ILLEGAL, FRAUDULENT INFORMATION FROM MY CREDIT REPORT!
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| 04/02/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This is a formal complaint against National Credit Systems , IncXXXX located in XXXX This company has repeatedly violated my consumer rights under the Fair Debt Collection Practices Act and has caused me much unnecessary financial AND mental distress. For starters, they're reporting an erroneous & unverifiable collection account on all 3 of my credit reports, [ under 3 different business names, ] and not to mention an account in which I've asked for proof of claim and in which they have refused to validate per my request under the Fair Debt Collection Practices Act. Despite my efforts to resolve this unfortunate nightmare for nearly a year now, National Credit Systems , Inc has completely ignored my communications and legal submissions to remove this inaccurate information from my credit reports. They have not provided me with a copy of a contract, bearing my signature, showing that i have to pay them this alleged debt. I am well aware of the many, many other complaints filed against this company for their illegal and unethical collection practices- disguising themselves under multiple business names and using ILLEGAL collection practices all across the country. Yet, somehow, this company is still in business. This company 's unprofessional & negligent behavior has caused lots of serious harm, not only to my ability to establish credit & good interest rates, but also to my character as a Professional and as an individual. Please help me, and the many other consumers just like me, to put a stop to the operation of these unethical & immoral business practices immediately. I sincerely appreciate your time and assistance in this matter and hope to hear from you very soon.
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| 10/20/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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To whom this concerns, I went through a divorce in 2020 and XXXX XXXX XXXX from XXXX XXXX XXXX told the respondent XXXX XXXX that he needed to pay 50 % of the acquired joint debts within the legal documentation of the Divorce Decree. ( Please see attached Decree ) page 4, P-2 ( c ) I want to pay my portion of the debt that was ordered by the Judge and after which I would like for the debt to be taken out of my name. I contacted The National Credit Systems several times over the last 2 years who hold the fore mentioned debt and they told me that I have to pay the entire amount of {$6100.00} with no offer of reduction, even though I explained to them that I was only responsible for 50 %. I also told them that previously I received a reduced offer of {$3000.00}. They stated that wasnt their problem and I would have to pay in full. I also recently received documentation that didnt correlate, the rent was {$1500.00} and I was told the 2 months rent was suppose to have be paid however they added a reletting fee of {$3000.00} but the were able to rent the apartment out shortly after. So I am unsure of why there was a charged if the said apartment was rented.
XXXX XXXX was awarded the house and had access to pay his portion of the debt and the joint credit card debt but he hasnt attempted to do so. The respondent has somewhere to live but as it is a broken lease although he told me that that he handed in the required notice. So now, I am the one having difficulty finding accommodation and with the current situation of hard economic times I am sure you understand why this is imperative to achieve a solution.
Please can you look into this and assist Kind regards XXXX XXXX
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| 01/28/2023 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2023, my partner and I attempted to apply for a mortgage loan and discovered that National Credit Systems had placed a collection mark on my credit report which I was unaware of prior to that date. I attempted to talk to the company over the phone several times regarding this debt to find out more information and possibly negotiate a good faith deletion but was told repeatedly that the person I needed to speak with was unavailable and the person I did speak with refused to assist me in any way. I checked my records and found that ( as of the time of this complaint ) I have not received any documentation regarding this debt, including any Letters of Validation. In response, on XX/XX/2023, I mailed a Request for Verification letter to the company via certified mail and verified that they signed for and received this letter successfully on XX/XX/2023. From what I have understood, according to the FDCPA, a collection company is required upon receipt of this letter to cease all attempts to collect this debt and remove the negative mark on my credit report during the 30 day period that they have to provide proper documentation on this supposed debt. I emailed the company on XX/XX/2023 to follow up on the Request for Verification that was sent but have not received any replies to that email or calls or letters whatsoever. At this point, there has been no validation of this debt and my ability to apply for a mortgage is being held hostage due to this company 's unresponsiveness and failure to comply with federal law. I have documented proof of the actions and dates of the events mentioned herein and am requesting assistance with getting this resolved. Please help!
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| 09/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I rented a room in XXXX XXXX, now XXXX on XXXX XXXX, from XX/XX/XXXX to XX/XX/XXXX. When signing the lease, the apartment management did not require a security deposit.
On XX/XX/XXXX, three months after I had moved out, my mother received an email from the management with an invoice for the following charges : {$73.00} for a coffee table, {$50.00} for a bedroom door, {$160.00} for a mattress, {$45.00} for bedroom/bathroom cleaning, and {$5.00} for an electrical overage, totaling {$340.00}. They claimed that they had notified me about these charges on XX/XX/XXXX via email and uncertified mail, neither of which I received.
On XX/XX/XXXX we sent a letter via certified mail disputing the charges, and including check # XXXX for the electrical overage. The coffee table had been paid for by my roommate who had caused the damages. The bedroom door had already been paid for on XX/XX/XXXX by check # XXXX which they deposited on XX/XX/XXXX. I did not do any damage to the mattress or room other than normal wear and tear. I believe this error may be because I switched rooms with permission of the management, so they may be charging me for damage done to the old room by whoever moved in after me. On XX/XX/XXXX, the manager acknowledged via email that we paid the overage.
This collections claim was added to my credit reports in XX/XX/XXXX for {$340.00}. On XX/XX/XXXX I started receiving collections letters from National Credit Systems for {$330.00}. After getting in contact with them, we sent documentation to show that these were illegitimate and unwarranted charges. The most recent letter on XX/XX/XXXX says that they adjusted the balance and reset it to {$340.00}.
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| 11/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I rented an apartment from XXXX XXXX XXXX in XXXX GA. The original name of the compass XXXX XXXX XXXX XXXX. About 3-4 months after I moved in my spouse asked me if I wanted to move in with them. So I went to the leasing office and asked if I could turn the lease over to someone else. I was advised that I could. What I was not told was it would be a sublease. I was told I would be free and clear from the lease. Hence why I moved out. It would also make since as to why I was never notified that the person that took the lease over never paid rent while he lived in place of me. I signed paperwork under the impression I would be singing the lease over. What they actually had me sign was a new SECOND lease stating that the new tenant actually moved in with me the same time I did. So I am on a lease by myself and on a lease with the man that was supposed to take over. He was not a roommate and I never lived their. It was a one bedroom apartment. They also created a lease that was signed that had completely made up information on it. When I moved in I moved in alone and I paid the security deposit on my own. Im a XXXX veteran. I also have a XXXX XXXX. I have 48 address on my credit report because I have not been able to get an apartment on my own and I have had to rent out rooms from strangers and friends. Ive lost jobs because of this and it has ruined my life. National credit systems has not been helping either. I asked to be put on a payment plan if it could come down off my credit and they denied me. Im not working right now and Im homeless again. I dont have XXXX to give anyone. Can you please help me. Im trying so hard to get my credit back together.
|
| 08/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was notified by mail that money due from the apartment I was moving out of was being sent to collections before payment was even due because the company had sold. With only a few days notice and my concerns with the charges, I feel I was not given a chance to clear the matter before they just turned my account over to National Credit Systems for collection. For this reason ( and others ), I filed a dispute with the collection company National Credit Systems within the 30 day period, that claim was denied. With a lot of fear being set on me that they were about to report to my credit if I didn't make a payment, I decided it was not worth the fight. I know I am responsible for some of the money they are trying to collect, so I came to a settlement agreement for a less amount. Now they are requesting a payment, but refuse to provide me with any documentation stating the agreed upon amount until I pay the total settlement. The only reason they can give me as to why they will not provide documentation is that " they just don't do that ''. I have made many calls to the State General Attorney, the Federal Trade Commission trying to get some clarity on the situation. And I am repeatedly told to not give them money without something in writing. I feel like this is a very reasonable request, I want to pay them and clear this up, but I also need to protect myself and I am not being allowed to do so.
My credit is my main concern because I am needing to get car in the next few months and a negative remark on my credit will hinder that. I have expressed this to National Credit Systems and I feel they may be using that to their advantage as a scare tactic.
|
| 03/09/2020 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
XX/XX/2019 - I received an outstanding balance notification from " XXXX XXXX '', the property management company for " XXXX XXXX XXXX ''. They claimed damages without substantiation of the damage - no receipts or photographs were provided. The amount claimed was {$1800.00}.
I responded by emails disputing the damages the same day and also on XX/XX/2019. XXXX XXXX did not respond.
I visited on site, entering the apartment, and observed that the major expense - claimed damage to a vinyl floor - was not present. I took photos. I sent a certified letter to XXXX XXXX on XX/XX/XXXX, XXXX XXXX XXXX did not respond.
My property insurance company provided me {$1000.00}, the policy limit for this type of liability. I forwarded the money to XXXX XXXX This reduced the amount claimed to {$550.00}.
XXXX XXXX sold or contracted the " National Credit Systems '' to collect this claimed debt. I forwarded to national credit systems my dispute with XXXX XXXX, and asked them to validate the debt.
" National Credit Systems '' failed to investigate or validate this debt. They simply forwarded an account statement provided to them by XXXX XXXX and stated that I had to prove the debt was not valid.
As it is not possible to prove a negative, and it is on the creditor to prove a debt as owed, not on the alleged debtor to prove a debt isn't owed, this is abusive behavior.
More than likely, XXXX XXXX is engaged in a wide scale generation of fraudulent damages claims for profit, where most departing tenants have false and inflated charges added to their accounts. And more than like, " National Credit Systems '' is aiding and abetting such abusive landlords.
|
| 07/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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I had a 1 year lease for a duplex with a management company ( XXXX XXXX ) in XXXX XXXX TX. Management failed to address various maintenance issues, some of which posed a health risk for my sister who has severe reactions to certain allergens. I made repeated attempts to contact management by submitting requests through their online portal and by going to their office in person, which seemed to be the only effective way to get in touch with them.
After months of failing to address our maintenance concerns, it was clear that XXXX XXXX had no intention of upholding their end of the lease, so I went to their office and told one of their epmloyees that I wished to vacate. Management agreed to terminate our lease prematurely, indicating that they would not refund our deposit, to which I agreed. They disabled my online payment portal on XXXX/XXXX/XXXX, so that I could no longer access my service request history or other correspondence I had with the management through their website. I never received any " Past Due '' notifications or other correspondence indicating that my account was thought to be in default.
This account should have never gone to collections, and if it did it was only because some disgruntled employee at XXXX XXXX must have thought it would be funny. I never received any correspondence regarding a " Past Due '' account from XXXX or National Credit Systems, and I have n't received any other indication that there was an issue with this account until it appeared as a collection on my credit report XX/XX/XXXX. I have an immaculate payment history aside from this collection, not so much as a late payment anywhere on my credit report.
|
| 09/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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These companies have continued to harass me even though I have explained and provided proof that Im not responsible for the things theyre placing on my credit report. I have police reports and other documents proving I was living in another state when these things occurred the times they did. The companies arent resolving the issues. Some of the companies have even took it upon themselves to duplicate some of the fraudulent charges to hurt my credit report purposely. I have suffered greatly due to these fraudulent charges. I am a victim of identity theft. I am writing to request that you block the following fraudulent information from my credit report : ( Identify item ( s ) to be blocked by name of source, such as creditors or tax court, and identify type of item, such as credit account, judgment, etc. ). This information does not relate to any transaction that I have made. I have enclosed a copy of my Identity Theft Report. In addition, I have enclosed a copy of section 605B of the Fair Credit Reporting Act, which details your responsibility to block fraudulent information on my credit report resulting from identity theft. Please let me know if you need any other information from me to block this information from my credit report. XXXX XXXX XXXXXXXX collections- {$550.00} XXXX XXXX $ XXXX duplicated fraudulent charge XXXX XXXX {$560.00} XXXXXXXX XXXX {$610.00} XXXX XXXX {$660.00} XXXX XXXX {$690.00} XXXX corp- XXXX XXXX duplicated fraudulent charge XXXX XXXX {$850.00} XXXX XXXX XXXX- {$870.00} XXXXXXXX XXXX {$960.00} XXXX XXXX {$990.00} XXXXXXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} XXXX XXXX- {$1000.00} National Credit system- {$5600.00}
|
| 02/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Moved in XXXX XXXX XXXX on XX/XX/XXXX thru XX/XX/XXXX apartment manager XXXX XXXX was taking unauthorized charges for rent, rent that was calculated according to my affordability, by XXXX XXXX XXXX when there is a change to my income rent is suppose to change as well., month of XX/XX/XXXX my income changed to less rent should of been less also by law, apt manager never changed my rent to lower i brought this to her attention i recieved letter from HA that my income is less my rent will be less, apt manager recieved the letter she never changed it to lower she kept taking the same amount of rent I stated to her that she was suppose to change the rent amount to lower my bank statements show the same rent taking out she did not want to change she was suppose to by Law! she ended up taking more than she legally was suppose to, I moved XX/XX/XXXX she didn't do a vacate inspection i requested one she said take pitcures and send them to her. I did. upon move out apt manager stated to me acording to her ledger I don't owe anything, I gave apt manager my forwarding address to send my security depost. XX/XX/XXXX I received a collection for a debt that was totally false from collection agency National collection agency I requested a valid list of the debt they sent me 3 different ones with the same words but different amounts. I believe she is retaliating against me for calling Code Enforcement for the infestation of cochroaches, collection agency sent me a bogus debt amount on XX/XX/XXXX for {$920.00} for damages i believe its her wear and tear she want me to pay for she kept my {$700.00} deposit {$1400.00} overcharges unauthorized rent. she owes me.
|
| 10/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In XX/XX/XXXX and XX/XX/XXXX, I sent written correspondence to National Credit Systems as well as their attorney via registered mail informing them of my correct address and asking for verification of the debt. TO DATE, I have yet to receive any verification of the debt or any written correspondence at all. Today, XX/XX/XXXX, I contacted National Credit Systems successfully after many unsuccessful attempts and was treated with complete contempt, despite all of my attempts to be professional. I was put on hold abruptly on many occasions and given excuses about there being phone issues, " a skeleton crew, '' and I was barely able to understand what was being said because the phone lines kept cutting out on the other end. I could n't even get my full account number and was told hastily by XXXX that " he 'd get back to that. '' I informed XXXX that in the six-seven months since my written correspondence had been sent to NCS, I had received nothing in return, despite multiple letters that I had sent and confirmed delivery of, via USPS. XXXX intimated that perhaps I had not provided NCS with the correct address, although I did provide them with the correct address and have received all mail from that address and continue to do so to date. I updated NCS with my current address even though XXXX implied that I should give them a better address. I will continue to send written correspondence to NCS as well as to the credit bureaus asking that this debt be removed since NCS has been unable and unwilling to do anything other than state that their " computer systems '' show that they are sending correspondence back to me, none of which I have received.
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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In XX/XX/2020 my son, XXXX XXXX, was living in an apartment at XXXX XXXX apartments in XXXX Florida. He had a lease along with XXXXwo other college students for the unit and each was responsible for their own portion. During the pandemic his two roommates parents lost their employment and were unable to make their share of the rent payments. The landlord was not willing to accept our 1/3 of the rent as we had been paying and instead insisted that the whole rent be paid. That put me in a position where I could not pay the rent in its entirety. I made offers to pay my son 's third of what was remaining on the rent at that time and was told that I could not. Fast forward approximately one year and I started getting collections calls from National credit systems located in Georgia. The total balance owed for the debt they are attempting to collect in {$7700.00}. My argument is that I'm only responsible for 1/3 of that debt as there were two other individuals on the lease that are each required to pay 1/3 of that debt until the total amount is paid. I have sent a registered return receipt letter to national credit systems offering to pay my 1/3 of the debt in order to remove this collection notice from my credit report. Prior to this incident my credit was at roughly XXXX as a XXXX XXXX and plummeted down into the XXXX hundreds as a result. I have always stood steadfast that I would pay my sons and my obligation of XXXX of the debt which would be roughly {$2600.00}. They will not accept that and tell me I have to pay the full thing and go after the other two tenants myself. This sounds ridiculous and as a result I am filing this complaint.
|
| 08/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
The debt was passed to the collection agency corresponding to this complaint without notice from rental property the debt allegedly originated from. After my attorney contacted the rental property, the debt was dropped due to its erroneous nature. I contacted the collection agency by phone to advise them the collection was being dropped. The rental property sent an email that day to the collection agency, with me copied on it, stating that the debt was cleared and the account should be closed. The following day I checked the collection agency 's website ( www.nationalcreditsystems.com ) and noticed the original amount was still listed as owed. I contacted them via email, and was told that the website did n't update daily. However, two weeks have passed since this communication, but the website still shows the balance as owed. Although I have received an email communication from the collection agency stating that the account was closed, I 'm concerned with the fact that the website still shows a balance owed, and all subsequent attempts to contact them have been ignored. I 'm only able to speak to an agent, who consistently advises that she is not associated with the website and knows nothing about how it 's operated. I ask to speak to someone who is knowledgeable about the website, but I 'm told she does n't have access to those people. I have asked XXXX separate times to speak with a supervisor. Each time I was placed on hold for over 20 minutes with no answer. Each time I had to hang up while on hold due to other obligations. My phone calls have never been returned. I sent an email on XXXX/XXXX/2016, but did not receive a response.
|
| 09/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I noticed 1 collections account on my credit around XXXX of XXXX. I called the apartment property manager who confirmed this account to be fraudulent. She informed me that there was a fraud alert placed on the XXXX XXXX apartment application on XX/XX/XXXX and the drivers license number on file is incorrect ( does not match my drivers license number ) and she was a new property manager so she was unaware of the transactions. They have an emergency contact for XXXX XXXX, I do not know this person. They also have a contact email address on file that is incorrect. This person rented the apartments and did not pay anything towards the account but they could not be evicted during covid. The total amount is for {$22000.00}.
The property manager stated she would send the information she provided over the phone via email but she did not get back to me after multiple attempts to get through to the office I attempted to find the contact information for the collection agency. I requested a physical copy of my credit report around XX/XX/XXXX.
I believe that same person rented another apartment at the XXXX XXXX. The apartment property manager would not give me any information and stated I should contact the police to receive any information on a possible fraudulent account. I called the collections agency on XX/XX/XXXX and was informed to dispute the charges with the main credit bureaus. The collection agency manager provided the account number and amount owed was {$29000.00}. I filed a police report the same day, XX/XX/XXXX. After receiving a copy of the police report on XX/XX/XXXX to report the incident to all major credit bureaus possible.
|
| 11/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
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I received an email from a credit monitoring company that a major derogatory was placed on my credit reports. The derogatory was for a stranger, different first name, different last name. I called the collection agency on XX/XX/XXXX and was told that I owed money to an apartment complex in XXXX, TX. I tried to explain that they had the wrong person, was told repeatedly that the debtor used my SSN and date of birth to rent the apartment, they had no answer on why the name was different from my name. The woman I spoke to asked if my identity was stolen, I said it must have been if the debtor used my SSN and date of birth, she emailed me an identity theft affidavit, told me to file a police report, which I did. I researched the XXXX eviction database and called the original creditor and learned that the debtor did NOT use my identity. The collection agency lied to me about that. The collection agency has admitted that they put the collection on the wrong person 's credit report, but did not address my statement that they lied about whose information was used for the rental. I wasted hours of my time, wasted police resources to file a police report that was not needed, have suffered XXXX and XXXX XXXX from the stress. The collection agency lied to me about the debtor using my identity, and they did not exercise reasonable care when they randomly picked my credit report to post the collection derogatory. Different names, different SSNs, different ages, different states of residence. There is no excuse for lying to collect a debt, and I believe some type of due diligence should be exercised before randomly " picking '' a credit report.
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| 08/01/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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To whom it may concern : I received a letter in the mail from you recently specifying that I owe your company or who ever your company represents for an alleged debt.
The date of the letters is XXXX, the account number on the document is XXXX and the alleged amount owed is XXXX.
Also, under the provisions of state and federal Fair Debt Collection Practices Act ( FDCPA ), Fair Credit Reporting Act ( FCRA ), and related consumer statutes, I am now instructing you to cease collection of the debt ; you should neither contact me nor anyone else except the creditor about this collection.
Furthermore, any reporting of this matter to credit reporting agencies is premature. You should not relay negative information to a credit reporting agency. If negative information has already been reported, you must notify the agency to remove said report until the investigative process is over so that my credit report remains accurate, or at the very least, my credit report should be updated to reflect my dispute.
I am instructing you not to contact any third parties such as my employer, neighbors, friends or family members. Also, you may not contact me by phone at work or my home about this collection activity. All future correspondence should be sent to me in writing.
THIS IS A THIRD PARTY COLLECTION COMPANY THAT HAS DELETED THIS ACCOUNT FROM MY HUSBANDS CREDIT AND NOW TRYING TO SCAM ME. I HAVE NEVER LIVED IN THE STATE OF WASHINGON. YOU DONT HAVE LISCENSE TO COLLECT IN WASHINGTON OR SOUTH CAROLINA .
YOU ARE NOT PROPERLY REPORTING THIS ACCOUNT AND DAMAGING MY CREDIT. THE GA STATE ATTORNIES OFFICE HAS BEEN NOTIFIED, AL WELL AS THE CFPB AND FTC
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| 08/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I XXXX XXXX XXXX contacted XXXX, XXXX, XXXX, AND NATIONAL CREDIT SYSTEMS on XX/XX/22 XXXX XX/XX/22 XX/XX/22 XX/XX/22 via FAX -EMAIL AND CERTIFIED MAIL TO DISPUTE WRONGFULLY & FRAUDULENT INQUIRIES AND FRAUDULENT ACCOUNTS they did not investigate DELETE.nor block the information from appearing on my personal credit report yet the companies are reporting inaccurate information which is defamatory of character under Law 2243.. due to me being a victim of identity theft nor did they send me any proof of investigation results or SHOW ME PROOF OF THIS DEBT! XXXX CLAIM THEY WILL INVESTIGATE HOWEVER THEY DID NOT THE INQUIRIES ARE BELOW XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AND ANY OTHER INQUIRIES THEY ARE FRAUDULENT I HAVE SENT XXXX MY IDENTITY THEFT INFORMATION A VALID POLICE REPORT DRIVER LICENSE XXXX HAVE BLOCKED ME FROM ACCESSING MY ACCOUNT VIA PHONE THEY HAVE NOT UPDATED MY ADDRESS TO XXXX XXXX XXXX XXXX XXXX XXXX XXXX yet they have other fraudulent addresses I also sent all companies SECTION 605 of the fair credit reporting act IVE ALSO SENT IT TO NATIONAL CREDIT SYSTEMS XXXX $ IS NOT MY ACCOUNT ITS NEGATIVE and fraudulent!!
XXXX IS ALSO IN VIOLATIONS OF SECTION 605 AFTER I SENT PROOF VIA CERTIFIED MAIL OF MY DISPUTE TO BLOCK OR REMOVE THE FRAUDULENT ACCOUNT : XXXX XXXX LATE PAYMENTS OF POSSIBLE FINANCE AND LATE PAYMENT WITH XXXX
Im filing a CIVIL SUIT IN THE COURT OF LAW FOR REPORTING INACCURATE AND FRAUDULENT ACCOUNTS OR INQUIRIES AND WILL HOLD THESE COMPANIES LIABLE I WILL ALSO SEEK MONETARY DAMAGES FROM XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS FOR VIOLATING MY CONSUMER RIGHTS AND DAMAGING MY PERSONAL CREDIT
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| 10/12/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Within the past year, I moved out of an apartment complex that tried to charge me fradulent fees, in the amount of {$290.00}, for painting the apartment. The complex is the XXXX XXXX XXXX, in XXXX, OR. They claimed that the painting was due to black smoot on the walls due to smoke. I contacted the complex to inform them that I never caused any smoke in the apartment, and that I was not responsible for the painiting fee. They tried to extort money from me by threatening me to pay, or they would send me to collections. I refused to pay, since the damages they are claiming, were not caused by me. They did report me me to National Credit Systems who are now trying to collect the fradulent charge, and also are negatively affecting my credit. I charged XXXX, XXXX, and the collections agency with providing proof that I caused smoke in the apartment, whether it be from video or pictures of me producing smoke in the apartment, or a 911 call saying that the authorities were contacted on a specific date, due to me causing a fire or smoke in the apartment. No proof has been provided, and the credit agencies won't fight on my behalf for them to provide proof that I caused any smoke damage to the apartment. I can also provide proof that there were wildfires in the area, during the time that I lived there and if there is even the remote possibility that there was smoot on the walls, it was probably due to the wildfires, which is not my fault nor should I be liable for it. I have no other simple way to say this, other than to say that the apartment complex is trying to extort money from me, with no proof that I caused the damages that they claim.
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| 08/04/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I am writing to seek your assistance regarding an issue I have encountered with National Credit Systems. On XX/XX/2023, I sent them a pay-to-delete letter, as I am trying to rectify an outstanding balance of {$4900.00} reported in my credit history.
In the letter, I proposed a pay-to-delete agreement in accordance with the Fair Credit Reporting Act ( FCRA ) and the 15 USC Codes. I offered to make a payment of 10 % of the total debt, amounting to {$490.00}, as a gesture of good faith and as an effort to resolve this matter in a mutually beneficial manner. I believe a pay-to-delete agreement would be advantageous to both parties and would encourage an amicable resolution to this matter.
Under the FCRA and the 15 USC Codes, consume
rs have the right to dispute any inaccurate or incomplete information listed on their credit reports. I understand that National Credit Systems is given a response period of 15-30 days upon receipt of the letter. However, as of today, XX/XX/2023, I have not yet received any response from them regarding the proposed pay-to-delete agreement, despite their obligation to respond within the stipulated timeframe.
I am contacting you, the Consumer Financial Protection Bureau, to assist me in this matter. I am hopeful that your intervention will prompt National Credit Systems to adhere to the FCRA and the 15 USC Codes by considering my pay-to-delete proposal and responding accordingly.
I would be grateful for any advice or assistance you can provide, and I am more than willing to supply any additional information you may need to handle this matter effectively.
Thank you in advance for your time and support.
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| 11/09/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I got a call from National Credit System Inc. ( XXXX ) about a debt that they were attempting to collect. It was {$120.00} for a cleaning on an apartment I used to live in in XX/XX/XXXX and XX/XX/XXXX. The problem is, is that we didn't leave the apartment dirty, it was actually cleaned before we left but I can not prove this. The main and pressing issue is though, that I never received back my security deposit, in which this {$120.00} should have been deducted from.
The original owners of the apartments sold it to another entity a few months ago, and it is the new entity that has sent it to collections. I am having a hard time trying to prove that we paid a security deposit, because I can't find a copy of the original lease from XX/XX/XXXX toXX/XX/XXXX, nor will they give me a copy of it ( claiming that it was in the files they received, which is a lie ). The collectors ( NCS ) won't give me a copy, and the new apartment landlord says they handed over all their documents and copies to NCS.
I'm stuck in the middle because I can't find a copy of the lease to prove we paid a security deposit, and that it was never returned me as required by law and the lease agreement. So if I could get access to the original lease, I can prove that there was a security deposit that the {$120.00} should have been deducted from, with the rest returned to me. The new landlord won't acknowledge that there was a security deposit, even though they forced us to pay a full month 's worth of rent as a security deposit, stated clearly as SECURITY DEPOSIT, not last month 's rent. I need help getting that original lease and help dealing with the collections.
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| 07/25/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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some one used my identity to rent an apartment in 2018 while i was living in another city state when i say this matter as a collections account i reached out to the creditor and they told me that this had been resolved and reassured me that the items would be removed from credit bureaus. Shortly afterwards I was in contact with a collections agency whom asked me to supply several pieces of information so I did and then they said that they had ( docusigned document ( really ) and that this matter needed a FTC report ( I provided that ) now just resent they said the original dispute was missing a poilce report so i reached out to the police depart to get that information and his still has been removed from my bureaus. have made several attempts to have this matter removed and each time the company doesn't remove. The item was original placed on all three bureaus and removed from only XXXX ( XXXX ) but this information has been left on the back end reporting for a company called ( XXXX XXXX XXXX ) it's still showing up on a back end report that should have been removed many years ago. Once I contacted the collection company again for them to remove /delete all they did was inform that they would send out another form for me to complete because the account information was incomplete. ( this is ridiculous ) I advised that I have done this before with notarized documents and such then they ask for something else a FTC report ( I did that ) then they ask for a police report ( I did that ) and this matter is still showing on my credit buraus. Please assist in correcting this is so exhausting to say the least Thank you for all you help.
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| 04/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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National Credit System is debt collection agency ; I received a call in XX/XX/XXXX from National Credit System stating I owed a debt. I immediately asked the representative on the phone call to verify my social security number, the representative said " no '' and hung up the phone. A few weeks to a month later I received an alert through my credit monitoring system that a company was searching for my social security number on the world wide web. I never heard anything else from National Credit system again until XXXX. They never called nor attempted to send correspondence in the mail regarding the debt they originally called me about in XXXX of XXXX. Two months later National credit system violated my consumer rights by placing a debt on my consumer profile without validation or Permissible purposes under 15 U.S code 1681b and no consent or validation is considered identity theft. I XXXX XXXX have sent letters requesting debt validation since XXXX, National Credit system failed to reply and proceeded to report to other credit bureaus agencies. Recently, I received the very first correspondence ever from National Credit system stating I the consumer has failed to validate the debt doesn't belong to me and attached misleading documents to the letter, stating I have a judgment against me and they represent the original creditor. The judgement doesn't equal the sum of the payment they're requesting and further more it was included in my bankruptcy file. National Credit system have violated so many of rights as a consumer, they are ruining my reputation by placing inaccurate information on my credit report and they need to be stop.
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| 03/01/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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On XX/XX/XXXX I was contacted by National Credit Systems for an amount owed to a apartment complex I recently moved out of the apartment complex under the motion I would be responsible for the months the apartment was vacant. I disputed the charges asking to company to Verify the alleged debt owed of {$6900.00}. All I received back from them was an itemized list of charges with accelerated rent they say I owe and the first and last past of my lease. After reviewing My copy of the lease agreement there on page 2 there is section stating I will only be liable for the dates the apartment was vacant. I am under the notion the apartment was not vacant for the remaining months on the lease as a new tenant was placed in the alleged vacant apartment. I again disputed this account with National Credits Systems and the 3 major credit reporting agencies XXXX, XXXX and XXXX. XXXX was not able to verify the account and has since deleted it from credit report as of XX/XX/XXXX, while the other reporting agencies came back verified. National Credit systems again sent me an itemized list of the charges along with the first and last page of my lease, leaving out the verbiage written in the agreement for charges owed upon early move out of the apartment. On page 2 section 10 of the leasing agreement it states ... You will be responsible for monthly installments of rent through the end of the lease term or until a replacement is found, whichever occurs first. XXXX XXXX was a tennent in the vacant apartment this occurred first. Further the accelerated rent charges National Credit System claims I owe is not a provision within the lease agreement.
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| 07/20/2020 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
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Web |
Servicemember |
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I explained to them I do not Owe anybody anything, and if I did then the company that's in question should have taken me to court a long time ago. They have not done that because they are known for fraudulent activities which I reported to IDFPR and they subsequently was fined for numerous infractions and deceitfulness ( That company being XXXX XXXX XXXX whose real business name should have been XXXX XXXX out of New York ). They were order to change their name because they were operating under XXXX XXXX XXXX illegally and using staff persons that were not actually licensed in the state of Illinois to practice as Leasing Agents or had expired licenses, they also used the bait and switch on numerous unsuspecting tenants including myself and were fined for that also. They tried to get rid of me by raising the rent on a contracted XXXX XXXX XXXX unit that I was renting, but XXXX refused there increase, so instead of ( XXXX XXXX XXXX or XXXX XXXX ) taking XXXX to court, they instead tried to include the rent increase that was denied into my utility bill without notice or authorization by XXXX. This is just another example of how they treat honest hard working people and they keep getting away with it. They also retaliated against me because of a negative " XXXX '' posting I made about them and their terrible customer service and unpatriotic activities. I sent National Credit System Inc.XXXX XXXX XXXXXXXX GA XXXX a Cease and Desist Letter by certified mail and they again contacted me by mail twice after receiving the letter from me, so that's what brought me to this website for help. I am also an XXXX XXXX XXXX XXXX veteran.
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| 11/11/2023 |
Yes |
- Debt collection
- Rental debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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At XXXX, a friend and I secured an apartment online on XX/XX/XXXX in XXXX, CA. Feeling pressured during the phone conversation with the apartment representative, I hastily signed a lease without a clear understanding of the terms online, as it was my first rental experience. Surprisingly, I never physically visited the apartment despite the necessity of a Guarantor ( my mom ), who, in the end, NEVER signed the lease agreement and it says JOINT. ( SCAM ) In an attempt to cancel the lease due to negative XXXX reviews and the absence of a co-signer, The XXXX XXXX acknowledged the cancellation and ceased further communication. I did not hear from them.
After graduating and seeking a new place to live, I faced denial. To my astonishment, an {$8800.00} debt appeared on our ( mom and I ) credit report, sent to collections by XXXX without any notification.
On XX/XX/XXXX again, I reached out to the creditor with specific requests : The original contract bearing my and my moms signature.
Confirmation of debt ownership.
Details of the original creditor : name, address, and phone number.
( Account # XXXX, XXXX Account XXXX XXXX ) Regrettably, the creditor did not respond to my inquiry. They have destroyed my credit ; I cant even get a credit card. My mom didn't sign anything.
Many other people on XXXX have reported same dispute for XXXX XXXX XXXX. Scam students to signing and then the apartment not cancelling and the lease and collecting money.
Account info Account name NATIONAL CREDIT SYSTEMS Account number XXXX Account type Collection Responsibility Joint Date opened XX/XX/XXXX Status Collection account. {$8.00}, XXXX
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| 12/16/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Original Creditor : XXXX XXXX for XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Amount Balance : {$7500.00} Assigned to National Credit Systems , Inc .
After moving out of the XXXX XXXX XXXX XXXX XXXX I provided a forwarding address for any amounts that may due or other correspondences. I contacted the complex within XXXX days after moving since I never received a final bill that I was told would be mailed to my forwarding address, they would only verbally give a bill amount which was outrageous. I requested and I never received the mailed breakdown of why the charges were so high and what they were for. Waited about another month for a bill after again providing my address and received nothing. Called again for a copy of charges and was told to contact the agency it was assigned to, called the agency and was told to call the complex. Emailed the corporate office XXXX XXXX link via the company website requesting a copy of the charges to find out why they were so high and received no response. Charges then appeared on credit as a collection. I have disputed several times and have asked numerous times for proof of charges along with any pictures to show where and why they were so high. The last dispute was sent on XX/XX/XXXX and I have yet to receive a reply although it remains on my credit. All disputes end with a debt being validated with the collection agency showing proof they were assigned a debt although after numerous attempts I still have no idea what all the charges are for and have never been able to receive a copy of charges and only a never ending circle from the complex, to corporate, to the collection agency.
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| 03/25/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have 2 collection accounts with National Credit System, which was placed by XXXX XXXX.
First account is for {$2500.00}, and the date of last payment was XX/XX/XXXX. However, they are claiming the date of last payment is XX/XX/XXXX. This is incorrect. Also, they are reporting that the date of first delinquency is XX/XX/XXXX, it should be XX/XX/XXXX.
The second account is for {$500.00}, and they are saying I never paid it when I provided a ledger of all activity while I lived at XXXX. I had to pay {$500.00} for a sure deposit before I could move in, and it is on the ledger that I paid the {$500.00} on XX/XX/XXXX. I have submitted numerous disputes with XXXX, and I provided the ledger with all information w my disputes.
XXXX keeps coming back that they contacted National Credit Systems, and XXXX will not remove the 2 collection accounts when I am providing them with the information of my ledger and all payment activity. XXXX keeps saying that National Credit Systems is providing them with the information that the data they have is correct, and it isnt correct! XXXX will not use the ledger I am providing to them, and they are going with what National Credit Systems says.
I would like to file formal complaints against XXXX for not using the ledger that shows the actual information, and I would like to file formal complaints against National Credit Systems for the 2 collection accounts that they are saying I owe with false date of first delinquency dates along with last payment made as false.
Im providing the actual information, and XXXX wont do anything to correct/delete the accounts from my credit report.
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| 10/11/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have been disputing an item on my credit report through XXXX since XXXX of XXXX regarding XXXX XXXX XXXX orignal credit, national credit systems that has been paid in full through employee garnishment Between XXXX and XX/XX/2018 from the joint applicant. I have submitted to the credit agency the payslip that reflects the proof of payment and they refuse to update with paid or removal from the report in which it has been removed from the joint parties report instantly. The original debt is erroneous due to me never being late on my rental obligation as reflected on the report, all of sudden the company was in the process of selling and refusing to fix water and gas problem when the issue was raised they then began to refuse my rents because they knew they sold the complex causing me to have the judgement because the judge refused to listen being a landlord state. The joint party moved to a state where garnishment isn't permitted and they still took the money. Which the judgement reflects XXXX and the reports is XXXX. I was the innocent consumer penalized as a result in a business deal with XXXX XXXX XXXX and XXXX XXXX XXXX deal left to face eviction because I only had a month to go on my lease and ended up having to pay for months I wasn't there as a result of the faulty judgement. This is how states and courts operate that aren't for the tenant, the judge refuses to hear the facts or the cause of the situation not why you didn't pay in this case XXXX XXXX the agent at the time refused the rents multiple times because he knew they were no longer responsible for the property leaving multiple tenants struggling.
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| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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National credit systems are stating that I owe a XXXX debt for a property. They have sent me a ledger of amounts. These amount are false. I have been trying to explain that i do not owe that amount. I am disputing the information. I have provided a reason of why i do not owe that amount and they continusly harass and will not show proof of the damages of property. They have XXXX base rent XXXX of XXXX and XXXX for XXXX. Damages for XXXX plus XXXX late payment charges of XXXX dollars a termination fee of XXXX. These are false when i spoke to XXXX and XXXX XXXX i explained to them the amount. XXXX told me that i was not at the property XXXX/XXXX/14 when in fact i moved out XXXX/XXXX/14. I paid rent that month and i also sent a notice for moving due to an incident at the home. They are not being fair. National credit systems sent me an 50 % offer off the XXXX in the amount of XXXX. I do not owe any of the amounts.National credit systems have ruined my life and my way of living. They are not trying to settle a reasonable amount and will not send proof of damages they claim to the property. They claim they have my record for that property but are unable to send me any information regarding proof of damages. How can National credit systems expect to receive a payment if they cant send evidence?. I do not owe this amount and i continue to express that. When i paid rent for XX/XX/2014 i do not know what they did with my payment. I have showed the property to the manager at that time when i left and there were no damages at that time. I called today and the XXXX says my bill is current. I need all proof of evidence.
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| 11/06/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX my identity was stolen. I noticed late XXXX that someone rented 2 apartments, had an XXXX XXXX XXXX and XXXX account opened in my name and did not pay any of these bills. At first I never noticed the charges until I needed to apply for credit. Once I saw them I began trying to get them off my credit but did not know how to go about doing so. I disputed the charges but they kept coming back. I was then told I needed to file a police report which I did.
The company that I am have an issue with is National Credit Systems. I have submitted in writing to have the original signed lease agreements to be sent to me and have not received any as of yet. I then contacted National Credit Systems by phone and requested that they send me those items and still have yet to see them even though they stated they have electronic signatures and IP addresses. My next step was to contact the apartment complex and they could not send me any documentation they stated they do not have any originals or electronic signatures.
National Credit Systems are trying to take me to court and garnish my wages even thought they have not provided any original paperwork showing my signature, or electronic IP addresses. I need this taking off my credit and not have my wages garnished as these are not my charges. I have provided information that I lived in my home for 11 years and never rented any apartments during the time they were rented. I had electric bills, water bills, established and can show they were paid via my banks accounts during those rental times.
I am at a stand still as to what to do next. Thanks Deflated Consumer.
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| 10/30/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against NATIONAL CREDIT SYSTEM. IN COMPLAINT NATIONAL CREDIT SYSTEM states that this account has been charged off. I have never given NATIONAL CREDIT SYSTEM any permission to share any of my identifying information with this non-affiliated third-party ( XXXX XXXX XXXX XXXX XXXX ). I am aware that in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are both liable for violations under 15 U.S. Code 1692e ( 12 ). I am also aware that the definition of a charge off, pursuant to 7 CFR 1956.54, is " The writing off of a debt and termination of collection activity without release of personal liability. 'XXXX XXXX XXXX stated that " we are obligated to report true and accurate information to the credit reporting agencies. '' This is false information. Nowhere in the FCRA does it state that they're required to report negative information to my consumer report. Being that I don't owe NATIONAL CREDIT SYSTEM ANYTHING I have reason to believe that NATIONAL CREDIT SYSTEM is choosing to share this non-public negative information to my consumer report with fore thought and malice as an attempt to bring harm to me and my financial reputation. I am demanding that this account is to be removed from my consumer report along with any negative information that is attached to this account.
I DEMAND THIS ACCOUNT TO BE UPDATED TO PAID AS AGREED OR REMOVED FROM MY CONSUMER REPORTS OR I'LL BE FILING FOR LITIGATION AND DEMANDING {$1000.00} PER VIOLATION.
XXXX XXXX XXXX - account # XXXX
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| 11/07/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I rented an apartment in XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. At the end of the lease I was charged {$3400.00} for early lease termination and a remaining {$10.00} for water/sewer charge. The total was {$3400.00} as a remaining balance and that total sum was paid by check # XXXX which posted on XX/XX/XXXX. It was confirmed by the apartment management that the account was settled and closed in XX/XX/XXXX.
National Credit Systems , INC .
XXXX XXXX XXXX XXXXXXXX XXXX XXXX has persisted in attempting to collect a debt that was settled. I received constant collection calls and letters despite all indications that the apartment management has listed the account as paid and did not turn this account over to collections. National Credit Systems , INC requires all correspondence be sent via postal mail, but will not acknowledge any information I send them. They have reported to all three credit agencies that I have a delinquent debt for the months of XXXX and XXXX which has dropped my credit rating nearly XXXX points. Despite contact from both the apartment management and myself they will not remove this collection debt unless I pay them and additional {$3400.00}. I have attached a copy of the posted check, the account ledger from the apartment complex, a screenshot of an e-mail sent from the apartment manager to the credit agency stating they were informed in XXXX that the account was settled and should not be in collections, a copy of a letter received from National Credit Systems dated XX/XX/XXXX stating the debt still stands, and a screenshot of an XXXX credit report showing the false debt.
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| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Servicemember |
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For the past year or 2 I have been fighting with a company called National Credit Systems about a collection on my name that I am not responsible for or connected too.
For my entire life except for the time I spent out of the state while in the military, I have lived with my parents homes here in Ohio.
In 2020 I had dealt with a large amount of different cases from, loans & credit cards being opened in my name, & my existed bank accounts & credit/debit cards being used all related to my identity being stolen or leaked online.
In 2020 around the same timeframe, an individual rented an apartment in my name and didn't pay for it. I have no connection and have no idea who it was who rented this apartment, but it was not me & was a result of identity theft.
Every single time I try to connect with National Credit Systems, they refuse to provide me with the verification of signature from the lease.
National credit systems submitted to me a billing statement without any extra information such as lease documents, wet-signature or other info related to this situation.
After speaking to our family friend who is an attorney, he said to me that " Under federal law, if a wet signature can not be provided by a collection agency, the debt therefore can't be verified & must be deleted due the unverifiable information. '' If National Credit Systems can not provide me with the " wet '' or Ink-Signature used on the documents for this apartment that was rented in my name, as a result of identity theft, I am asking the CFPB to ask them to delete the collection & remove it from all Credit Reporting agencies.
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| 08/31/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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XXXX Physically signed a letter with the apartment complex itemizing what I was paying for which included a garage. This was for a short-term lease ( 9 months ) XXXX Apartment sold and under new management XXXX XXXX Moved out of an apartment after paying for the full month back in XXXX XXXX Email response to the new management to their claim that I owed an additional {$380.00} XXXX Notified by National Credit Systems that the alleged debt is now under collections XXXX Letter to NCS regarding their information appears fraudulent and I disputed its accuracy. That agreement showed no garage was being rented.
XXXX Notified by XXXX that they are reporting this ( disputed ) collection in my credit report.
XXXX Talked to XXXX about this disputed issue being reported. I was told they blindly accept any agency 's claim as being truthful and accurate. They bare no responsibility to even ask if claim is disputed.
My attempts to talk to NCS about results in the same way, they ask if I am going to pay or not. I told them " no it is a disputed claim '' and they immediately hang up. They refuse to listen as to why. In my opinion NCS is using the credit reporting agency as leverage to force payment ( bullying ). And XXXX has no idea what records the agency is withholding from them such as the consumer is disputing this claim. They blindly trust the agencies as the claim is both accurate and not contested.
ALL Credit Reporting Agency 's must take a simple step to ensure the claim being reported to them is not being contested by the consumer by simply asking that very question. Truth and Accuracy matter.
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| 06/29/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This collection agency keeps disputing my request to validate who they are, this is the third letter between us and every time I asked the debt collector, Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. and all they keep sending us is a copy of this lease agreement. I keep asking this collection agency these questions so we can move forward but they have disregarded my intent for them to prove who they are.Also, this collection agency did not contact me and my mother within the five ( 5 ) days of them retaining this debt. I 've also stated to this collection agency three ( 3 ) times that this debt is in dispute and that we do not owe this debt that this apartment complex is saying we owe but yet, national credit systems is not trying to here it, and are still reporting this debt as validated to all three credit bureaus in which is harming I and my mother credit history .Do we have a case? Thanks
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| 06/04/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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National Credit systems nor the original creditor XXXX XXXX XXXX ever sent me anything in the mail in regards to this debt. I never knew about these alleged charges until they appeared on my credit report. National Credit systems won't investigate this debt thoroughly. The supposed Itemized list sent to the collection agency was never given to me nor was I ever aware or notified of a balance owed. I did not get the opportunity to speak with the original creditor about this alleged debt or why I was being charged anything. I never got the chance to dispute this with the original creditor or even try to go to court for this alleged debt. I never received any pictures documents etc before it just appeared on my credit report. Had I have not tried to dispute this information I would have never knew it was allegedly owed. The original creditor XXXX XXXX XXXX had my forwarding address email as well as my phone number. And they never tried to get in contact with me for this alleged debt so that I can try to pay it off or dispute it directly with them. Before we'll rain from this unit. I was required to fill out a notice with my forwarding address as well as email and phone number. So they do have those documents on file. National credit systems just keep sending an itemized list provided by the original creditor however, as I stated before, I was never given that information. It has also been passed the time frame in which this debt can be collected via the Colorado security deposit law. Overall had I have known about this debt before hand I could've had a better opportunity to get a handle on it.
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| 10/15/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Ive been trying to dispute this account through National Credit System since its on my credit report. I have never receive any notice from the apartments thats I used to live that I owe anything. I was never late on rent and left in good terms. Contract was never broken and the 3 months were given before we move out in XX/XX/2018. Ive been trying to dispute this and this company keep denying stating is my account and all the information is accurate but they dont have anything to prove its mine. I contacted this apartment complex but they sold it 3 yrs ago and name have change and they dont know who previous owners are. I send through mail a letter to National Credit System requesting information about this account and I havent receive any response back. I also call and request information to be email or send my mail and the lady told me they dont have anything to prove this account was mine. I request to speak to a supervisor and she told me she was busy that she will call me back and till this date Nobody have call me back. I keep disputing this and it keeps getting reject it. If they dont even have anything to prove this account is mine and there is no way to get in touch with those apartments owners how Im supposed to pay for something that not even they know if is mine or not. My credit shows were they report my payments as excellent never late so how I owe anything. We left un good terms and I never received any letter or call from this apartments that I owe anything to them either. When I go to their website and search for the account they have for me its not even bringing anything up.
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| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I have been contacted by National Credit Systems ( NCS ) a company headquartered in the state of Georgia. I have made an attempt thru direct dispute with the furnisher sending certified and marked correspondence on XX/XX/2023, with the company supposedly to validate the alleged debt and to see if they are a recognized company. I have not received anything from the proposed original creditor which is listed as XXXX XXXX XXXX. I have been threatened that I may be sued and if sued then my accounts will be garnished without my authority.
I have sent the company notice that I am not going to pay the alleged debt to them since they have ignored my validation requests. I have asked the Credit bureaus to investigate however they have told me that I am not going to get any information directly. rather only that NCS has validated the debt with them. When I asked for additional information on the verification, I was told that I would have to supeaona each credit reporting agency just to get the process of how NCS is validating and verifying this debt.
The date it was added to my consumer profile is incorrect as well it states XXXX, but it did not pop up until XXXX timeframe which didn't allow me my 30 days to respond. Once I saw the account, I immediately sent a cease-and-desist letter to NCS. However, they have continued to violate my privacy and report this erroneous information onto my account.
I did not give any organization a right to add any info onto my report nor was i offered a opt out to my transactions and experiences. My consumer rights have been violated and my right to privacy abused.
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| 02/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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Good Afternoon, I moved out of my apartment in XX/XX/2019, when I bought my house. I recently tried to apply for a VA refinance loan and my credit, which is normally in the 700s, was now a XXXX. After getting a copy of my credit report, I noticed a collection from National Credit System ( acct # XXXX ) in the amount of {$130.00}, starting in XX/XX/2019. I contacted the apartment and they told me they were under new management since XX/XX/2019 and that I needed to contact the Property Management company, XXXX XXXX XXXX, since they could not verify the debt. After contacting the property management company, they said that this debt stayed with the apartment and they could not verify it. I reached out to the debt collector and they also could not give me information about the debt. I asked if i paid it, would they delete it from my credit, and they said they usually don't, but as a courtesy, they would in 60 business days. I then asked for a letter to validate that they would, and they said they do not generate letters for deletion. Leading me to think that this will not be removed ant that this debt is a fraudulent charge. The Debt collector told me that no supervisor could help me ( the apartment and the management company also told me the same thing ), and that i needed to contact him directly when I decide to pay this debt. I have never had problems paying my bills and I would have paid the apartment complex if i had known about the debt. I was never billed or contacted from the apartment complex. I feel that our names may have been sold to this company to collect fake debts.
XXXX, XXXX
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| 01/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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National Credit systems was put on my credit report they are collecting for XXXX XXXXXXXX XXXX XXXX XXXX they are saying I have balance of {$6600.00}. My Rent was paid by XXXX in full as they took payment for XX/XX/2021 through XX/XX/2021. I paid my rent on XX/XX/2021 on time on XXXX of the month. XX/XX/2021 I had XXXX XXXX and diagnosed with XXXX XXXXXXXX XXXX. I let management know that I would have to move out due to my condition the Manager XXXX at the time said I would not be charged due to medical circumstances and not being able to work any longer due to my condition. In XXXX of 2021 National Credit systems contacted me with debt from the community I was living at saying I owed {$6600.00}. I explain my condition and that I can not be under any stress they said quote on quote It is not our fault you got sick and that regardless I need to pay the outstanding debt I explained my situation and was hung up on 4 times from XXXX the rep that was working on my file. I contacted the property as well to find out the manager XXXX is longer at that property. I explained my situation due to my condition this should of never went on my credit I am stressed and my credit has went from XXXX to XXXX and being harassed when I am ill. I requested an item list of charges never was received asked on XX/XX/XXXX and no one ever replied by law that they had 30 days or they have to take it off my account that was not done after I called again they emailed my on XX/XX/2021 well after my request. I have tried talking to the company no one will return my calls. Also emailed XX/XX/XXXX no response as of yet.
|
| 09/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/XXXX, I applied for an apartment and got denied due to charges from a previous apartment that I was co-applicant on back in XXXX being on my credit. I never received any notice from the apartment complex, not the collection agency in regards to thee charges. Needless to say, these charges have now accumulated almost {$2000.00} in fees with this collection agency. I contacted the collection agency ( the apartment that ran my credit gave me ) to find out from their representative that they show in my file that I was never contacted and they never tried to contact me. My phone number has not changed. The address they have on file is my mother 's address, which I have been home to see on numerous occasions and had no mail from neither the apartment complex, nor collection agency. So, the collection sends me a break down of the charges. The dates and fees do not make any sense. If I gave notice on XX/XX/XXXX, and my move out date was XX/XX/XXXX, why are there legal fees charged to the account on XX/XX/XXXX. There are charges of written fee and certified letter ( that was never sent cause collections already confirmed that no one tried to contact me ). Also, there are charges for water for XX/XX/XXXX, rent ( vacant rent charge ), washer/dryer, and trash removal for XX/XX/XXXX. How are these charges legal charges when notice was given on XX/XX/XXXX for move out on XX/XX/XXXX. Now they are stating that if I pay half of these charges, they will give me a letter stating that I am paying so I can give to the apartment complex I am trying to get into now, but these charges are not truthful.
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| 04/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Good morning. My name is XXXX XXXX and I'm inquiring about being put into collection from you all. The reason I'm asking is because we were never supposed to be penalized for moving out due to it being a major leak and a roach infestation in our apartment. We lived in the exact same building that had the fire in XX/XX/XXXX. From XX/XX/XXXX to XX/XX/XXXX. I have all the photos of when the apartment flooded as well as the photos of the roaches crawling around all the time. It was approved for us to move out in XXXX due to you all not having another apartment ready for us to move in and we couldn't stay in unhabitable apartment because of our XXXX XXXX old son. The flood was the last thing to happened. We had been complaining about the roaches from the time we moved in. You all had someone to come out and spray but that didn't help because it was an infestation in the building. Concerning the flooding, it was in the dining room, kitchen, living room, our baby nursery and the entry way. It caused the light domes to cave in and fall from the ceiling in our son room. We had to move out temporarily when it happened and we weren't compensated for any of that or any of our stuff that was damaged. When we came back there was mold/mildew which is when we made the decision to move out the apartment due to us getting the run around about moving into a different apartment. Also lastly I don't understand why if all of this happened in XXXX why you waited until XXXX after the fire to reach out to us when we have repeatedly tried to contact you before and after we moved out about any reimbursement?
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| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I recently tried to rent an apartment in XXXX ( I am a resident of XXXX ) and was notified that there was a negative report on my credit report from a debt collection agency. This agency, National Credit Systems, showed me owing money to XXXX XXXX ( in XXXX, XXXX ) for my tenancy which ended about XX/XX/XXXX ( Shown on my credit report as Account Number : XXXX. ) After I vacated from XXXX XXXX, I moved home to take care of my ailing father. From that point until the denial of my lease for the apartment I was attempting to begin in Florida, I never received any notification about any of the details of monies alleged that I owed.
On XXXX XXXX, XXXX, I sent a Certified Letter to National Credit Systems asking for verification of the debt shown on my credit report ; tracking shows that said letter was received on XX/XX/XXXX. In the letter, I gave them 30 days to respond to my proof of debt validation before I requested certain remedy to my credit report. Today is XX/XX/XXXX and I have received no response from National Credit System. ( Please see the attached Debt Validation Letter, the Certified Mail Receipt as well as the Certified Mail Tracking showing that my letter was received on XX/XX/XXXX. ) In speaking with the CFPB Representative today, she indicated that National Credit Systems will now have 15 - 60 days to respond from the date of this complaint? I feel this goes far beyond a reasonable amount of time to prove a debt that was placed on my credit report in XX/XX/XXXX, especially since I was never even notified of the details before it was reported to any credit bureaus?
|
| 08/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Upon checking my recent credit scores, I noticed the following company has been reporting misleading information to the credit bureaus. I am distressed to see that the following company has continued to report misleading information on my credit report. I have disputed this account several times however this account to my surprise is returning to me verified and to my best knowledge this information could not possible be correct. I also took matters a step further, and decided to contact NCS by sending them a letter requesting they either properly validate the debt they are currently reporting, or removed this account from my credit report. I have never received a response from the company directly and they are still reporting the account which is a violation of the fair credit report act - due to the fact that the company refused to comply with validation from this account. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), the creditor is required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) or this account removed as soon as possible from all reporting agencies whom may be furnishing it. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
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| 08/24/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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|
Web |
Servicemember |
|
( Furnisher of information to credit agencies ) is a financial institution by definition under that title. XXXX5 USC1681 section 604 a section 2 states Any consent to XXXX, XXXX, ( Furnisher of information to credit agencies ) whether it be verbal, non-verbal, written, implied, or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is explained how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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 that the information is inaccurate. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and XXXX are not maintaining reasonable procedures. None of these accounts belong to me period.
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| 12/11/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I resided at the said residence in complaint. XXXX XXXX XXXX XXXX. XXXX GA XXXX. From XX/XX/XXXXXXXX to XX/XX/XXXX.
I tried in XXXX of XXXX to pay my rent through the portal as was done previously. I was unable to do so. So i went in to the office to find out why i couldn't pay my rent through the portal and at that time i was informed on XXXX XXXX that the management had changed hands. I was aso informed at said time that the rent was increase to an amount that I was not able to pay. I proceeded to let them know that I did not intend to renew my lease and that I would be vacating said premises on or before the term end which was XX/XX/XXXX. I was only given 15 days to either pay the increased amount or vacate. I chose to vacate because the abmountl they increases it to was out of myl reach.
I personally took my letter to vacate to the office and handed it to the person in charge. I gave them my forwarding address so they can forward my deposit which they did not do. I moved and was gone for almost two years and did not receive any notice or claims from them until I tried to move closer to my job. That is when I found out that the laid these charges against my name on my credit file. I have all my receipts and I never signed a lease agreement with this company in question ( XXXX XXXX ) I would like for them to please remove such negative remarks from my credit report because I never did business with them. I would also ask for them to please return deposits owed to me by the previous company the took the business over from. I have my documents to show if. It is needed.
|
| 03/01/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I contact National Credit System in XXXX because they are reporting on my credit an account for {$2900.00}. I sent them a dispute letter by certified letter asking them to verify the debt. I never heard back from them. So I decided to call them. Before even saying anything regarding that account I let them know that I was recording this call. The representative proceeded to ask me my name and account number. I told them I do not have and account with them, and the number I have is of my credit report and it shows 2 X at the end. They told me I needed the full account number for them to find the account. So she ask for my social security number I gave it to her and again no account was found. She then use my name and an account came up, an account that had my partial name and a different SSN. They didnt have ANY of my information, I had to give it to them. Then told me to send them a copy of my FTC identity theft report in order for them to remove the account. I did it and still nothing. So I disputed it with the credit bureaus and and they told the bureaus they will not remove the account from my report. Ive had enough of their shenanigans, Im at the point where Ill be taking legal action and it will result in small claims legal action against them at my local venue. I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
|
| 06/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On Monday XX/XX/XXXX I received a email saying that XXXX recently know as XXXX XXXX sent me to collections for a balance of {$650.00}. I lived a XXXX XXXX for 2 years prior to moving out in XX/XX/XXXX. In the year that I moved out I had tremendous problems with my roommate. I have countless emails to prior management to prove this. After moving out, I received a outstanding balance bill in the mail. When I spoke with XXXX ( the current property manager ). He told me to write a letter in writing as well as through email and they would RESPOND with a counter offer. XXXX XXXX never responded as you can see from this email. I never heard anything from them in two years and i assumed it was resolved.
The year XX/XX/XXXX, when I signed to renew at XXXX XXXX I had NO co signer. The cosigner that I had was from the year XX/XX/XXXX. That uncle and my family no longer spoke. XXXX ILLEGALLY, Reported him the credit bureau as well, He never resigned to cosign. Please pull the forms proving otherwise and PULL his name off of this. THAT IS ILLEGAL.
This is a lawsuit based on the Fair credit reporting act in the state of Florida.
I guess in the mix of the two companies merging/Switching documents were lost and merged. I have ALL my emails to XXXX XXXX & I'm ready to discuss this. Below, is the inital letter that was given to XXXX with the date right after receiving the bill in the mail. I also have all the emails with dates complaining about the apartments issues. We can go all day.
But I will sue National Credit systems as well as XXXX XXXX for trying me.
Warm regards,
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| 12/17/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have no knowledge or ownership of this account. Please provide original proof of debt and ownership ex : Bills, Contracts. my stated I.D, Signature. any related documents showing I'm liable for creditor debt and collection obligations in question. Please make sure your company is in compliance with Fair Debt Collection Practices Act and also Fair Credit Reporting Act and The Equal Opportunity Act and The Fair Credit Billing Act and The Truth in Lending Act. Please make sure Credit Laws for State of North Carolina and federal Laws are being followed. I will also file a complaint to the Consumer Financial Protection Bureau, FBI, and Federal Trade Commission and creditor and collection agency. If information is not provided in a reasonable time I will file pain and suffering suit in Federal Court for violation 's ~815 ~808 ~809 of Federal Credit Law.
National Credit Systems is reporting inaccurate information on my credit report. The account in question is not my account. I have contacted NCS to get this matter resolved just to be cursed at, hung up on, yelled at, not giving me any information and very unprofessional. I filed a XXXX complaint and in there response NCS lied and stated that they were reporting a different name on my credit report. This company has taken advantage of me and I need someone to investigate this situation As you will see in the documents attached NCS has lied to the XXXX in reporting XXXX XXXX XXXX on my credit report and as You can see NCS is actually reporting XXXX XXXX XXXX on my credit report. Neither of the accounts belongs to me.
|
| 06/09/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
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Web |
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I received a letter from National Credit Services indicating they collecting on an old debt from a former apartment complex. I sent in writing a letter disputing the debt and the amount owed. The next communication I received from them was a letter stating I failed to setup and arrangement or respond and they were getting ready to report to the credit bureau ( dated XXXX XXXX ). After receiving the letter on XXXX XXXX I called to inquire about my dispute. The agent was very rude stating they verified with the apartment complex and it was valid. He told me a letter was sent XXXX XXXX. I told him I only received the XXXX XXXX letter with no mention of a dispute, letter, or bill. He stated they did n't have to send it and continued to try to collect the debt. I requested a supervisor who also stated they sent it, I was on a recorded line and they had me on tape saying I received it. I again stated I had not received a statement or acknowledgement of the dispute and I believed they could not report until they acknowledged my dispute and validated the debt. He told me they would report me over the weekend of XXXX XXXX if I did not make a payment, he offered to set up a payment plan then stated he would send me bill from the creditor after I did so. I setup a payment to receive a copy of the bill and save my credit score. I do not believe this company followed the law because they did not send me verification of the debt, prior to continuing collection efforts. To date I have n't still have n't received a copy of the bill which they allege they initially sent on XXXX XXXX.
|
| 03/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
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Web |
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On XX/XX/XXXX I obtained a summary copy of my credit report. In my discovery I came upon a collection account opened XX/XX/XXXX with National Credit System for {$3600.00}. I made an attempt to contact this agency ( XXXX ) and was told the account was forwarded over to Law Office of XXXX XXXX. ( XXXX ). The agent that answered immediately verified my name/address and proceeded to inform me that I owed this debt. I advised the agent that I never received a Validation Letter of the debt in question, the agent then verified my address ( without me providing any information ) and went on to say the letter was sent out already and I should check with my post office. I then asked could she provide me with a tracking number, the agent said it was sent regular mail. I reiterated that I never received anything to the address she confirmed, therefore Im disputing the debt. The agent told me it will say on my credit until its paid. I spoke with a gentleman that alleged he was a Supervisor but refused to provide me his name and extension unless I now verify my personal information. The alleged Supervisor was adamant that I provide my personal information. I informed the alleged Supervisor that made me feel suspicious since the previous agent verified my name and address when I called into ( XXXX ). The alleged Supervisor refused to answer and questions or provide me with any assistance even when I advised him FCRA specifically states Im entitled to verify the debt to make sure accuracy of debt, amounts and disposition. This derogatory mark has had a negative impact on my credit.
|
| 06/19/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
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Web |
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I want to say i have live in the apartment XXXX for over 12 years from government help to being upgraded to a market rate. They have had change in managers and director the last two years i was there due to money stealing and bad conduct. But on XX/XX/XXXX thou XXXX XXXX. i reach out to XXXX/XXXX/XXXX plus natinal credit. 2 creditor have removed and XXXX is refusing. I spoke with Ms XXXX told her why i was disputing debt and sent my proof. I also went to XXXX XXXX spoke with agent who stated she was able to confirm debt due to nothing in system for damages and rent was owe from previous year for two months. I stated if i owe balance which is back rent and no pymt plan was set up and if so why would renew lease and i would be able to stay months after to a current year. I also seen reapir man that showed me apartment and nothing has changed or damaged and i sent thise pictuse to national credit ms . XXXX. Second my son was pick up on mistaken identity and lock up. Just finish school and worked at XXXX XXXX was gone for two weeks. They put camera to monitor area and would give police taoe to show my son just walking into complex at time of crime and nowhere by crime. Someone was killed outside my door. also they gave letter stating how they was gone rebuild patking area and we would have to relocate.. So i moved my family. I have been gone over 2 years why wouldnt if owe i should have been notified sooner. But in order for me to move in home im in i had a walk through so they can see how you live. If that didnt pass and damage of property i would be in home im in now.
|
| 02/11/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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Fraud has been committed on my consumer report, which violates the FCRA & FDCPA. National Credit Systems , Inc. is using extortionate means to collect on alleged debt, I do not owe that resulted from extension of credit which violates Title 18 USC 892-894 and constitutes racketeering activities and extortion. This is a notice sent as per the Fair Debt Collection Practices Act ( F.D.C.P.A. ), 15 U.S.C. 1692 ( G ) Section 809 ( B ). This notice states that your claim is disputed and validation of the account is required : * Purchase Agreement * Evidence that vou are a licensed debt collector *Chain of Title *Proof that vou are license debt collector to collect in my state. * A requested copy of your State Department of Commerce and Insurance Certificate. THIS IS A REQUEST FOR ACCOUNTING : REQUEST REGARDING LIST OF COLLATERAL OR STATEMENT OF ACCOUNT IN REFERENCE TO U.C.C $ 9-210. This authenticated record must include all tax filings ( including all 1099 's, 1096 's, and 1098 's ) any and all trades and/or investments and/or interests associated with this account of which I am alleged to be a party. I have a right to this information, as its directly associated with the reporting activities. Failure to substantiate the claim, please settle the account immediately and cease and desist all communication and have this tradelines deleted from my consumer report.
15 U.S. Code 1692e - False or misleading representations ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
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| 02/02/2023 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, received credit report notification via XXXX that a new collection account was on my credit from NCS ( National Credit Systems ) in the amount of {$120.00}. I contacted them and was advised that an apartment complex that I moved out of in 2021 had sent the debt to them for collection. I asked for verification of the debt, and NCS sent me ( via email ) a charge for prorated rent and miscellaneous utility fees. I explained to them that I had worked this out in 2021 with the apartment complex - they had sent me the breakdown of move-out charges back in 2021 which included fraudulent move out fees, fraudulent damage fees, and non-itemized charges as well as a fee for a date when I did not live at the complex. NCS told me it was best not to dispute the debt with the credit bureaus and allow them 30 days to get the Original Creditor to validate the debt. I contacted them in XXXX and was told the XXXX did not respond and since they only had 30 days, the debt would be removed and I would get a letter advising the same. Since I did not receive a letter and the debt is still on my credit, I disputed it with the credit bureaus and contacted NCS again. Today, NCS advised they got validation yesterday and the debt would stay on my credit unless I mailed them the information I had ( which I offered to provide in XXXX, but NCS told me to wait until the XXXX responded ). This company has had this debt since 2021 and parked it on my credit in XXXX. They did not send me ANY letters ( they have my forwarding address ) and only communicate with me if I contact THEM.
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| 06/28/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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There is an account on my credit report from National Credit Systems in the amount of {$830.00} dollars. It says it is from an apartment that I used to live in. I have no idea why this would pop up. I paid all rent and there is no negative information on my rental report that would show a balanced owed to XXXX XXXX XXXX. Furthermore, when I moved from XXXX XXXX to my new apartment, they sent a rental verification to my new apartment. It says that all rent was paid, never late, and that I would be a candidate for another lease If I wanted.
This is not the first dispute Ive encountered with this company. I had to be moved from one of their other properties to their XXXX XXXX property after excessive and suspicious fees left and came back into my checking account several times. Luckily I was able to handle this internally with the management company.
I am trying to handle this issue with the management company directly. Unfortunately, they are being very unresponsive. I have gone to their website and put in my information to receive a call from them to resolve this 3 times. They have not reached out to me at all. I have also tried to call their corporate office for an explanation. They do not answer their phone it goes to a full mailbox so I can not leave a message either. I even went as far as posting my issues on their XXXX page in the hopes somebody would reach out. This was also unsuccessful. This is why I am here filling out this complaint in the hopes I will get some clarity on this issue.
I have documentation to back all of the claims made here.
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| 02/15/2021 |
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
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Web |
Servicemember |
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In XXXX, I moved out of an apartment complex that was owned by XXXX XXXX paid my amount due, did a video-recorded walk-through with the property manager ( everything was A-O.K.! ), turned in my keys, gave my forwarding information ( with my same telephone number they've always had ) and left. Many months later, in late XXXX, TWO collection accounts, both from National Credit Systems but for 2 different amounts, were placed on my credit report unbeknownst to me. No contact was made with me via mail nor phone re : any outstanding debts to XXXX nor National Credit Systems, because THERE WAS NO AMOUNT DUE! In addition, upon first moving into the apartment, I purchased a non-refundable surety bond so that I wouldn't have to worry about any outstanding fees or awaiting a security deposit refund much later after my move-out. The company cashed in the surety bond AND STILL put fraudulent and erroneous collection accounts on my credit profile! When I called to discuss the 100 % fraudulent charges, the rep kept repeating that she did not work for the property management company, so I would have to pay. She wanted nothing to do with resolving the fraudulent charges. In addition, XXXX has since sold the property to another company, so no one from XXXX nor National Credit Systems can speak to me about why these trumped-up charges are being steadily fraudulently verified as accurate on my credit report although I have always paid my rent in full every month and also paid in full upon my move-out with no damages or past-due amounts noted at that time nor a later date.
|
| 09/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Older American, Servicemember |
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On XX/XX/XXXX, I checked my credit score monitoring service online. I noticed a red star, which means I had a recent alert. It was a collection, filed by National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA XXXX. I was informed by XXXX XXXX at National Credit that the collection was for an apartment rental at XXXX at XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX. I have NEVER live in XXXX at XXXX XXXX. I live at XXXX XXXX XXXX, XXXX XXXX since XXXX. XXXX sent me a form to fill out and return to National Credit Systems. I file a police report with the XXXX XXXX Police Department. That police report number is included on the form sent back to National Credit Systems. I visited the XXXX at XXXX XXXX apartments and attempted to get copies of documentation showing the use of my social security number and/or birth date. The manager refused my request, The manage informed me that the collection agency had all the documentation and would send it to me upon request. I requested the lease and rental application. National Credit Systems sent the lease but refused the rental application. My social security number nor my birth date are displayed on the lease. Also, the signature on the lease is not mine. The signature is XXXX XXXX XXXX. I am XXXX XXXX XXXX, XXXX. The collection agency has refused to investigate any of my claims. XXXX, XXXX Police Department has not returned any of my phone calls. I'm stuck with a {$4200.00} collection account on my credit report. I am a businessman. I have business lines of credit that will be impacted by this mistake.
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| 10/11/2023 |
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
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|
Web |
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On XX/XX/2023 I recently obtained a copy of my credit report, and I discovered an inaccurate and unjust entry that has been placed by a collector. I have attempted to resolve this issue directly with the collector, but I have not received a satisfactory response. Therefore, I am seeking your assistance in rectifying this matter.
The inaccurate entry on my credit report is as follows : Creditor Name : National Credit XXXX , Inc Amount Owed : {$3300.00} National Credit XXXX , Inc has failed multiple requirements under the Fair Debt Collections Practices Act and The Fair Credit Report Act and willfully violates state and federal laws including but not limited to : 15 U.S.C. 1692 ( g ), 1692 ( e ), 1692 ( j ). They do not have a legally or lawfully binding contract, agreement or obligation between them and myself. Further, their willful non-compliance caused and continues to cause me harm and damages and they are criminally and/ or civilly liable to me under 15 U.S.C . 1681 ( n ) and 15 U.S.C. 1691 ( o ) for the following : 1. Defamation 2. Negligent Enablement of Identity Fraud 3. Violation of the Fair Debt Collection Practices Act 4. Violation of the Fair Credit Reporting Act I have taken all necessary steps to resolve this matter directly with the collector, including sending a certified letter requesting validation of the debt and disputing the validity of the entry. However, despite my efforts, the inaccurate entry remains on my credit report, which is negatively affecting my credit score and my ability to secure favorable financial opportunities.
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| 07/17/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Received a phone call from person named Mr. XXXX from National Credit System, who said that I own almost {$1000.00} amount to an apartment I was renting before leaving in XX/XX/XXXX to join the XXXX XXXX.
The individual have said that my security deposit ( {$500.00} ) and my pet deposit ( {$400.00} ) didnt cover the amount to fix the apartment even though I called the leasing office and asked them about it and about the water bill if it could cover it and she said yes, it will cover.
Anyway, I kind believed the person at first and said yes I will pay it once I get paid, but what caught my attention was he insisted in providing my debt card number, which I responded I dont have any money right now and I will pay half of the amount by Friday, but he got frustrated and said that if I dont provide my debt card number right now, my debt will be unprotected status. Can someone please explain what does that even mean? I asked him to send me an email plus documentation that proves that I own money to XXXX XXXX XXXX in XXXX Florida and I want to pay it online but he said yeah, yeah sure I will send it ( he asked for my email in the beginning of the phone call ) and repeated that my debt will be unprotected status.
Last thing, the person said he is from the National credit system therefore I am assuming he works for them. So, the company name is National Credit system and this is their website : https : //XXXX Also, attempted to contact the alleged company and their phone doesnt work and sounds weird. Therefore, I dont own no one my hard earned money.
|
| 08/10/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have been contacting the following companies for 5 years and they have refused to remove the debt. They insist that the debt was verified but has not shown proof. I have provided a police report and disclosed my full identity. My home was broken into year XXXX, where all of my personal information was stolen, and a police report was filed. My car was broken into XXXX where my purse was stolen. A police report was filed. I filed another police report in South Carolina when I discovered my personal information on the deep dark web. I have filed a police report in both the state of Georgia and South Carolina. No one has assisted me. I was advised to file a police report in every single state that I found fraud activity which I believe is unnecessary. I have been dealing with identity theft for 5 years now with no solution. I demand all information to be removed immediately. This is affecting my life, personal and business development.
I do not know anything about the people or person who stole my identity. I also found my personal information such as address, credit score, D.O.B, and full name on a website called " XXXX XXXX' I have emails and screenshots of this information that I will also provide if requested.
Company : XXXX XXXX : {$15000.00} XXXX XXXX {$11000.00} TXXXX XXXX XXXXXXXX XXXX : {$2200.00} Collection Agency : XXXX XXXX XXXX XXXX : bought debt from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX : bought debt from XXXX XXXX Georgia Police # XXXX ( XX/XX/XXXX ) Geogia Police # XXXX ( XX/XX/XXXX ) South Carolina Police # XXXX ( XX/XX/XXXX )
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| 08/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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This letter is regarding account # XXXX, which you claim I owe {$940.00}. This is a formal notice that your claim is disputed.
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you.
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I don't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports.
I sent a letter responding to an item on my credit report that should not be there. I have no recollection of the amount this company says I owe to them. It seems to be an apartment building, but I have never lived here nor know anyone that has lived here. I submitted a dispute letter on XX/XX/2021 and they responded back telling me that I can settle the amount. I am not paying any amount because this is being reported inaccurately. There is no proof that I am obligated to this place. Please have them remove this from my credit report as it is impacting my ability to apply for a mortgage.
|
| 04/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My previous complaint ID is XXXX I previously filed a complaint about National Credit Systems in XX/XX/XXXX. I was never sent any kind of communication about the debt they claim I owed until I filed a complaint with you guys. This company took from XX/XX/XXXX of XXXX to validate a debt. They stated the debt I owed was for {$120.00}, but they have the debt listed on my credit for more than {$3000.00}. After my complaint was closed out they sent a letter ( this is the first correspondence I've ever received from them ) stating that I owed {$3400.00}. That letter is attached below. I already mailed the money order for {$120.00} to Attorney XXXX XXXX. As I mentioned in my previous claim Attorney XXXX XXXX was the name and contact information I was given when I first called them in XXXX of XXXX. I'm not sure how one company can be listed on your credit but the payments go to a totally different company.
After receiving the letter and realizing that I wasn't going to get help from the CFPB or the FTC ( their website sends me back to the CFPB ) I decided to try to call them and settle the debt and have it removed. I was told by the CFPB when I called yesterday that the company can not misrepresent the debt. I'm not sure whats going on with this company. The lady I spoke to with National Credit Systems advised me to call XXXX XXXX, when I told her that it was violation of my rights to misrepresent this debt she transferred me to a manager 's voicemail. I am not sure what needs to be done to get this corrected. I do not want to be scammed. Please help me!
|
| 07/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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The debt collector did not conduct an appropriate investigation when I disputed the debt. The invoice for carpet replacement precedes my tenancy in the apartment in question by XXXX years ( as indicated on my lease, which the company has ). The invoice is from XX/XX/XXXX and I resided in the unit from XX/XX/XXXX to XX/XX/XXXX. The original creditors, XXXX XXXX XXXX has never provided any proof of damages other than the invoice which is not from my tenancy. Also but, XXXX was aware that the amount they submitted to collections would have been incorrect even if the debt were legitimate, but they sent it anyway. The original bill submitted to me included a pro-ration credit of 6 months, but the carpet was 23 months old at the time I moved out. They also had differing stories as to the nature of the damages and attempts to clean or not clean it and refused to furnish any proof of damages to me. Even if the debt were valid, the pro-rated amount in incorrect by a material amount and anyone with a XXXX grade ability to do fractions could see that blatant error, meaning that A ) they knowingly tried to collect a debt that was not mine as the repair invoice did not correspond to the period of my tenancy nor after it and B ) they knowingly reported an incorrect amount to the credit bureaus as they were made aware of the material pro-ration error. Additionally, the collection 's agency refused to return my calls or to allow me to speak with anyone to address these errors. This debt is from a previous tenant and that is why they do not have a current invoice.
|
| 09/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was a resident at the community regency gates From XXXX. I was not in a lease and I was paying month to month, I left the community in XX/XX/2018. Shortly months later in XX/XX/XXXX I get an alert from merchant adjuster out of XXXX stating I had a balance from my former apartment complex. I then called the apartment complex within the second week of XXXX and spoke with someone by the name of XXXX I believe. I asked why was I being charged these fees? She advised me it was for the time it took them to find an occupant for my apartment. I then advised her how was that so when I wasnt in a lease? I advised XXXX that the prior manager XXXX ( who is no longer employed there ) told me that I would not need to submit any notice prior to moving out due to me being month to month and not in a lease. I advised XXXX this was told to me verbally over a phone call in early spring of XX/XX/XXXX. I was not evicted, I was not let out of anything. I simply saw a new community that I wanted to live in and moved. This issue seems to come from the community itself and their miscommunication. The problem is that I moved out in the middle of a management swop and something had to be handled improperly. Over the past 2 years almost 3 I have sent in many disputes to the current collection agency as to this account being false and still to this day as I write this misinformation still stands. I am trying to by a home for me and a XXXX XXXX child and this account is not ok to have on my credit and is completely false. I need this fixed and rectified quickly and swiftly.
|
| 03/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
Back in the XXXX I went into XXXX XXXX and inquire about and 1 bedroom apartment. At the time there was a application fee and a processing fee. The agent XXXX was helping my daughter and me ; On this day it was storming so we wasn't able to see the apt . I went online and started the application process, and when back into the office to request to see the apartment. Once I view the apartment I advise XXXX that I did not like the apartment and would not be moving forward. XXXX ask if I did the application and I responded yes. In the beginning she advise that in order to get started I needed to bring and application fee, which I never gave and once approve I needed and deposited, which was never give. After that I started getting email about and apt , I called the office and ask why my credit was ran XXXX advise her manager did it. I called for month requesting to talk with the manager and even stop by. never get to talk with the manager. I found out about the report and the manager agreed that I never applied. I ask for this to be remove from my report and it is still on my report. I left a copy of the collection bill and never heard anything back. disputed this with the credit people and was told it was accurate. they cant show me any paperwork, processing check or deposit that I made. XXXX was left go, seems to me she was doing fraud to boost her numbers. However I don't owe this company {$150.00} and would like for it to be remove from my credit report..I also reached out to the collection company and was never send proof of this transaction
|
| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I moved out of my mothers apt in early XXXX. My mother passed away in XXXX and they are trying to collect a debt from me of XXXX for breaking lease and charging her. I tried to go to office its under new ownership ( the charges listed include dates the company was not in ownership as well ) I went to XXXX XXXX XXXX in XXXX nc as they owned at the time. They refused to give me a copy of lease and threatened to call police on me. Credit agency has yet to produce a valid proof of ownership I have been contacting them since last year. I request the lease that was given to them and I have yet to receive it. The most recent agent put me on hold in mid conversation because I asked for the lease and he said I should have it myself. ( Which I dont because I live in a different state ) I have notarized address proof. As well as my lease renewal I also receive South Carolina XXXX XXXX and Gov assistance for my child since I have been living here ( XXXX ) and the company is charging for XXXX The collection agency switches my agent everytime I ask for legal proof of debt. This is the 3rd agent over this matter. I have disputed multiple times as well as sent in supporting documents to all 3 major credit agencies I will be glad to submit all supporting documentation I have. Every lease has to be renewed and signed. I never came to sign. I also have a email from the property manager to my deceased mother stating they would let her out of the lease it was approved by the regional manager I can also submit tax returns filed in my state of sc if needed as well.
|
| 04/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Notice To Whom It May Concern : I was recently made aware of a negative inaccurate item on my consumer report by your company.
The following are the negative inaccurate accounts : XXXX XXXX XXXX Account number - XXXX Alleged original creditor XXXX XXXX XXXX XXXXXXXX XXXX - NO ORIGINAL WET SIGNATURE CONTRACT, NO WRITTEN INSTRUCTION, & UNVERIFIABLE : 15 U.S. Code 1692g which means they had no permissible purpose. 15 U.S. Code 1681b ( 2 ) I know this information is inaccurate, and I request that you provide the following for each and every account or remove all negative information : Validate the amount of money you claim I allegedly owe. Educate me on how you calculated the amount of money you claim I allegedly owe. Provide ALL ORIGINAL documents and negotiable instruments ( promissory notes etc. ) proving my agreement to such alleged debts with my WET WRITTEN SIGNATURE. Proof that you are licensed in my state, and provide me with your license number ; To prevent this from being listed on my consumer report, I insist that you also send a copy of this dispute to the companies in which you say I allegedly owe money. Furthermore, I insist that you instruct the furnishers of this inaccurate information that I am disputing these account. Remove the inaccurate and harmful account immediately. I am alleging that the NATIONAL CREDIT SYSTEM has violated multiple of my consumer rights. You can send me compensation for the violations payable to XXXX XXXX XXXX or face this issue in arbitration or furthermore federal court.
Without XXXX, XXXX XXXX XXXX
|
| 03/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
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I received a call this morning from XXXX at XXXX, this person asked to speak with me and I said, " May I ask who's calling? '' because I did not recognize the voice nor did they list a business name. They stated, " XXXX XXXX '' even though it was a male 's voice. Then in a extremely stern voice, said, " Now is this XXXX XXXX '', I said " Yes, may I ask who is calling? '' in hopes that they would give me a business name. I honestly panicked because it was a local number and I thought it might have been one of my children sick at school or something. At this point XXXX raised her voice and said, '' MA'AM I just told you who it was this is XXXX XXXX and I am calling with National Credit Systems ''. I said " yes, and what is this in regards to? '' and She yelled at me again and said " MA'AM I'M TRYING TO GET THERE IF YOU WOULD LET ME ''. At this point, I stated " uh, uh, no ma'am I don't have to take that kind of tone, '' basically asking her to calm down and she hung up on me. I called back twice at XXXX and XXXX trying to speak with a supervisor to report the call and to figure out what the debt was for and both times they continued to try to collect the debt instead of listen to me and the call at XXXX when I tried to escalate, they hung up on me again. Then the call at XXXX, I actually corrected my information that they had incorrectly on file, which goes to show I was willing to speak with them and not irate, but when I mentioned filing a complaint, I was told twice that there was no one I could speak with in regards, to my complaint.
|
| 09/10/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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XX/XX/XXXX. I began the application process for XXXX housing with XXXX XXXX ( new name is XXXX ) owned by XXXX XXXX XXXX. The application was for the XXXX school year since there was a promotional discount offered.
I did not complete the application, nor did I sign a Housing Agreement, yet in XX/XX/XXXX they sent me a collection notice that I owed a full year of payment : {$5500.00} for not moving in.
I have tried repeated attempts to resolve this with the company, yet they sent this to their collections department, then to a debt collection company, National Credit Systems. I contacted them to resolve this with no avail. In XXXX of XXXX, I was contacted by one of their lawyers, XXXX XXXX. I responded to him as well and directed him to contact a manager at the apartment company, XXXX XXXX, with whom I had already spoken and verified ( I have the conversation recorded on XX/XX/XXXX ) that they have no claim against me. He also volunteered the information that I was not the only person dealing with this type of situation.
National Credit Systems has since reported this fraudulent debt to the credit reporting companies. As a result, I have been denied other apartment housing and I suspect that I have been denied several employment opportunities as well.
Lastly, I reached out again in XXXX of XXXX to another manager, XXXX XXXX, to see if the company would do the right thing according to section XXXX of the Fair Credit Reporting Act and expunge this from my record. After some initial responses, he has stopped all communication with me.
|
| 08/29/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National Credit Systems is attempting to collect on debt from XXXX XXXX XXXX XXXX XXXX. I had originally disputed the debt to XXXX as being invalid, and I was originally unaware of the debt to XXXX XXXX XXXX, but also maintain that debt is also invalid.
The debt to XXXX is invalid because XXXX made an insurance payment to XXXX XXXX XXXX in the amount of {$1000.00} that was invalid for the following reasons : - XXXX XXXX XXXX charged me XXXX XXXX for renter 's insurance, despite me having my own insurance and notifying them of that fact. The total amount was {$75.00}.
- XXXX XXXX XXXX charged me {$810.00} for early termination of my lease. However, I terminated the lease because they violated the lease agreement by failing to fix a broken gutter that was hanging dangerously close to the electrical lines after being notified of the damage. By violating the terms of the lease, I can not be charged a fee for moving out early. Additionally, the original lease agreement does not mention the {$810.00} fee.
- XXXX XXXX XXXX charged an excessive amount for cleaning. {$60.00} to vacuum some pet hair, {$150.00} to mop floors, and {$120.00} to wipe down appliances.
- The total charged by XXXX XXXX XXXX was {$1200.00}, of which XXXX paid {$1000.00}, despite me disputing the charges.
The debt to XXXX XXXX XXXX, in the amount of {$230.00}, is invalid because it is the total fee minus the amount paid by XXXX.
I have attempted to discuss the invalidity of the debt with National Credit Systems, but they have refused to look into the matter.
|
| 04/29/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I attempted to speak with the leasing company XX/XX/XXXX as I was working to recovery all balances owed so that I could setup balances due with a credit counseling company to complete my action plan directive, so that I could purchase a first home. I received a ledger signed by a XXXX XXXX rep advising the balance owed was {$1100.00}. I emailed them again shortly prior to my in person visit to confirm the balance and see about rendering the balance, and as of to date i still have not received a response, I was noticed on XX/XX/XXXX that XXXX XXXX XXXX, had forward my account to collections without communications to me regarding the balances owed/responses to call or emails. National Credit Systems , Inc. XXXX. XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX.
I reached out to the collections company whom enabled me access to their site where i was able to get a brief itemized balance advising I owed XXXX when I was finally able to reach someone from XXXX XXXX after several calls on XX/XX/XXXX I was advised the balance was for damages to carpet. But according the prior ledger ( attached ) it was written off in XX/XX/XXXX. But re-added and submitted to collections shortly after my in person visit seeking the ledger so that I could remedy the balances as per my action plan for first time homeownership I pulled the documents rendered to the collections agency to find that the charges where not correct/ matching the balance due on the ledger of {$1100.00} as well as the lease or rental agreement they rendered is not me
|
| 08/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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In XXXX of last year I moved out of the XXXX XXXX XXXX XXXX after living there for 2 years. I was consistent in paying on time every month. However in XX/XX/XXXX I received a move out balance of {$720.00} that I did not agree was owed. It included a late rent of {$200.00} dollars and I did n't even live there in the month of XXXX. I spoke to the property manager stating when I would bring In XX/XX/XXXX rent for those 5 or 6 days and she said ok. I left this apartment in the same condition as the apartment I moved into before I moved in the one left from and had not additonal charges for clean up of carpet or cleaning of stove. I requested the bill and pictures for the cleaning of the carpet and stove but never received. at the end of XX/XX/XXXX I lost my job and advised the property mananger that I would be will to pay but at the time was unemployed and was struggling paying the rent where I had recently moved. When I called back in XX/XX/XXXX/XX/XX/XXXX when I became employed again, hoping to resolve, I was told they sent it to a collection agency and i 've been attempting to get it resolved since. They have not sent the verification of debt and the 3rd party collection company that they sent it to National Credit Systems no longer takes my calls or responds to my letters but they are the ones still reporting the debt to the credit bureaus but refuse to talk with me. They sent it to an attorneys office and I 've asked them to verify and they sent me documents for another person named XXXX XXXX that live in a totally different state.
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| 07/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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National Credit Systems , Inc mailed a collection notice to my home address and I received it approximately XX/XX/XXXX. I emailed them that same date to dispute the debt. They didn't respond. I followed up with emails on XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have requested verification of the debt and I sent them a copy of a court judgment I had showing that my landlord actually owes me money. My bond agreement regards landlord : XXXX XXXX. The landlord on my lease is XXXX XXXX. I have a judgment against XXXX XXXX. The debt is therefore not valid.
At first it seemed like they were claiming they didn't have my address, which is false, since I received their original notification in the mail. I also spoke with them on the phone on XX/XX/XXXX and told them they had my address correct. I have also called and requested verification on the following dates : XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Their workers get mad at me when I ask questions. One of them hung up on me when I asked what she meant by validation of the debt. They often put me on hold and then never answer my call, so I resorted to leaving voice mails. I snail mailed them my request for verification and included the address where they should send it. I even followed up by sending them a self addressed stamped envelope. I'm starting to think this may be a scam. I'm not really sure why they would list an email address on their website and then not ever check it. That seems shady.
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| 09/26/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX there was a derogatory marks on my account as a result of a balance of {$990.00} from National Credit Systems. This company is a collections agency that The XXXXXXXX XXXX use.
I had to terminate my lease as a result of a job opportunity elsewhere, I reached out to the front office at The XXXX, spoke to a lady by the name of XXXX XXXX explained my situation and said she would email me my Move-Out statement with the full balance I had to pay before moving out. The phone call with her was in the beginning of XXXX, XXXX sent me an email on on XX/XX/XXXX with the total amount of {$1000.00} plus my monthly rent of {$1200.00}. This amount had to be paid by or before XX/XX/XXXX. When I went to their website to make the payment I had the final amount of {$2100.00} which was paid in full on XX/XX/XXXX.
Months later I get a notice that I am in collections due to me not paying The XXXX, I reached out to the apartments. Spoke to a young lady at XXXX who asked for the supporting documents. Those were emailed on XX/XX/XXXX. I called the following day on XX/XX/XXXX after the manager reviewed the documents, spoke to the manager who then stated it was reviewed and she apologized for the error on their behalf. Turns out the apartments were under new management and I paid the amount to the other management company, but to not worry and the mistake would be situated by her team. I have since, received another decrease in my credit score as on XX/XX/XXXX, which to me indicates it has not been situated. My score went from XXXX to XXXX.
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| 11/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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National Credit Systems Collection Agency contacted me, by sending a letter about a debt I owed to an apartment complex that Id never heard of ( The XXXX XXXX ) on XX/XX/XXXX. I called and inquired, they told me that it was located in a city that Id never rented an apartment in, and they suggested that it was identity theft. So, I contacted my local Sherrifs office, only to find out that the apartment complex didnt exist in the town. So, I XXXX it, and realized that it was an apartment complex that had been renamed. The previous name was as XXXX XXXX XXXXXXXX, and I was on a lease there, that ended on XX/XX/XXXX. When we had our final walkthrough inspection, and turned in the keys upon move out, I didnt owe any money. In the 1 year and 2 weeks between when I moved out, and when I received the collection notice, I had not received any bill, phone call, or otherwise, letting me know that any money was owed. So, with the collection notice, out of the blue, without notice, I do not believe that I owe anything, and believe this collection is not valid. Ive attempted to explain this to both the collection agency and the administration at the XXXX XXXX, and both times have been hung up on. They both refused to show me proof of notice, dates, etc. showing when or what this {$66.00} charge is for. It was reported to all 3 credit bureaus on XX/XX/XXXX, and my score had dropped XXXX points. I believe this is unfair/nefarious/ in error and I dont believe it is owed by me. I would like the debt to removed and dropped from my credit report.
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| 07/26/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I received a letter on XX/XX/XXXX from National Credit Systems. Its was dated XX/XX/XXXX. The letter stated that they regret to inform me that I had failed to make suitable payment arrangements regarding the debt, which name of creditor was listed on document. And account Is being reported to our credit bureaus. I called the company on XX/XX/XXXX. I gave them verbal notice that I disputed the validity of this debt. I requested Verification of debt and an itemized billing statement for this account. XX/XX/XXXX I received an email from national credit services. With an attached statement showing total amount and description as move out ready. Was not a detailed description of these charges. I contacted the company on XX/XX/XXXX thats a message asking for an Itemized statement and description of all charges. To date I have not received any Verification of this debt. They reported me to all three credit bureaus on XX/XX/XXXX showing this debt was unpaid. XX/XX/XXXX I contacted national credit systems again and spoke to a supervisor. She states that they can report it to the credit bureaus but the description must say disputed. As of XX/XX/XXXX, My reports do not show this debt as disputed. I submitted a dispute to each Bureau independently. I informed the supervisor of this. She tell me goodbye and have a nice day. And hung up the phone. I had verbally informed the company of the dispute and I have submitted a letter via mail to this company informing them of this dispute but I did not receive an initial dispute letter from them.
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| 01/10/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I originally complained about this company on XXXX Reference Complaint # XXXX is attached to this compliant was closed and it was removed from all three of credit burrows. Again The company called XXXX XXXX XXXX has again placed a collections filed and is not providing me with validation that I owe them any money. They are reporting that I have an unpaid debt with them of {$4700.00} but I have never done business with them and I have never received any letters or notices from them. The account number on my credit is # XXXX. I've done some research online and I have only come across negative reviews and complaints by other consumers who have been harassed and scammed by this company. This company has over 462 consumer complaints listed on the XXXX XXXX XXXX 'XXXX website. It is also listed that they are based in XXXX, GA and I have never lived in Georgia in my life. I live in Florida. I do not feel comfortable with this company having my information when I have not authorized them to have it. I will not give my money to a company I do not recognize and who will not tell me why they want me to pay them. In addition to this None of the documents this company has provided in my original complaint as a response shows my signature nor have signed any contact with National Credit Systems. In addition I have never been serviced any documents for my county or state police department. I aske for this company to provide me with documentation that belongs to me with my own signature of acknowledgement of such account. This is not me
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| 05/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was first contacted via mail on XX/XX/2023 from National Credit Systems INC regarding an attempt to collect a debt from XXXX XXXX XXXX XXXX XXXX. I sent my first dispute letter on XX/XX/2023. National Credit Systems then sent me a letter from XXXXXXXX XXXX XXXX XXXXXXXX XXXX with a Statement Letter and Renting Ledger. I did not believe this was satisfactory in showing an itemized list of what the debt is for so I sent my 2nd Dispute letter on XX/XX/2023 requesting the following information : Amount, the full name and mailed address of the original creditor, Documents showing they have verified this debt, documents showing theyre licensed to collect a debt in KY, documents showing I owe National Credit Systems this debt, and documents showing I agreed to this debt that it is my debt. Today is XX/XX/2023 and I have not received any documents or information I have requested and after checking my credit score, I have noticed it has been put on my credit. I believe this is an inaccurate debt that I do not owe as I did not approve this debt nor sign any documents approving this. I also believe National Credit Systems has broken my right to personal confidentiality as they mailed me a collection letter regarding this debt in question in an open, non-sealed envelope that I have kept for my records as a breach of privacy. Again, I have requested documents under my right as a consumer and have no received any documentation from National Credit Systems, since then they have posted this on my credit, and breached my right to privacy.
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| 02/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Servicemember |
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To whom this may concern, I received a copy of my credit report with the intention of trying to improve my credit and tighten up my responsibilities. However, I noticed that there were some inaccuracies on the information that I requested. I have noticed that there are Three different companies ( National Credit Systems, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) attempting to collect this debt. Also as shown in the pictures, there are inaccurate amounts being reported from these companies. I have read about the Fair Credit Reporting Act, and according to it, by law I have the right to challenge anything is not accurate. Are you familiar with the 15 U.S.C. 1681? I understand that if you can not provide proof, these accounts must be deleted. Well, I want these accounts deleted seeing that they are not 100 % accurate. So, could you please check on this account and get back with me? I saw on a Credit Site and Board where a lawyer said you have 30 days to complete the investigation. Please investigate the following accounts and remove them immediately in the act that anything is missing or not correct. In accordance with the Fair Credit Reporting Act, XXXX Account : # XXXX, has violated my rights. 15 U.S.C. 1681 Section 602 A. States I have the right to privacy. 15 U.S.C. 1681 Section 604 A. Section 2 : States a consumer reporting agency can not furnish an account without my permission. It is also against the law for creditors to increase the amount of a debt. This account should be deleted immediately.
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| 06/03/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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On XXXX XXXX, 2016 at around XXXX I called national credit systems at XXXX and was transferred to XXXX XXXX. I inquired about settling the debt for {$2000.00}, with the original amount being just under {$3900.00}. XXXX informed that she would have to submit a formal request to the original creditors, XXXX on XXXX, the apartment units I originally owed money to. When I asked about obtaining a copy of this formal request for my records she denied me this request and said I have no right to know what they are sending. I explained to her that as a consumer I felt I did have a right to a copy of this request since it has my name and it is a request for a financial settlement. I was again denied this request later in the day after being transferred to her supervisor, XXXX XXXX. On XXXX I reached out to XXXX XXXX who is XXXX and XXXX 's manager. XXXX also informed me that he is unwilling to provide me with the official request that was being sent to XXXX because it is client privilege and he does not have to release such documents. I asked him he could then provide me with a letter from the company to myself stating that they sent a formal request to XXXX on XXXX inquiring about a possible settlement for my account. He also refused to provide me with this letter. As a consumer, I feel that I am entitled to keep track of what this company is doing regarding my inquiries to settle this debt. Their refusal to provide me with any documentation of their attempts is making me question if they are really taking these actions at all.
|
| 10/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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During Covid, we electronically signed a 9 month apartment lease for my daughter to attend college. The day I signed, was traveling for business and read agreement, noticed their error and called. The " kid '' answering the phones for XXXX 's XXXX said he was the one who drew it up and wpuld make the change and file it. My daughter, XXXX, and I repeatedly called and wrote messages in the portal - every time they apologized and said it would be corrected. When she was moving out, they imformed her it was a 12 month lease ( her roomate, wh she signed with had a 9 month ) - we explained the whole situation and they denied it. I wemt to the portal to retrieve the messages and was locked out of it. I have corresponded in writing, letters, directly to them and collections agency. The collections agency discontinued contacting me after the letter and is now contacting my daughter. The error is on their inept staff and due to short staffing issues during covid. My daughter and her roommate were never able to get answers and when they would walk to the office, no ome would be working. We paid our 9 months.
We were out of the apartment after 9 months, paid on time and respectful renters. Change the lease to the 9 month period and we are paid in full. As we repeatedly tried to get them to do and employees stated they would get it changed. " No problem ''. But when we would ask for a revised copy there was no response, calls, messages. Just please drop the invalid 3 mos rent. A XXXX in college, came home for the summer - 2021
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| 03/30/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I have been denied loans and credit cards, due to my credit report/history. XXXX XXXX XXXX reported the wrong amount to National Credit System for collections. I have reached out to the company and requested my lease for XXXX to prove I signed a six month lease and the ledger. I was only provided the ledger and was told someone would contact me regarding the lease. I have been waiting for a response since XX/XX/XXXX.
In XXXX I moved into the property under a different owner and paid 2.5 of rent amount which was roughly {$2100.00}. ( XXXX ) for deposit amount. The property was sold to XXXX XXXX about 3 months into the lease agreement. Which caused my rent to increase to XXXX. My lease expired XX/XX/XXXX. I was experiencing a financial hardship and decided to request a month to month lease, which was denied. There for I was approved to sign a six month lease.
However ; unforeseen circumstances took place and my family had to vacate the premises in XXXX which was within 4 months of that six month lease agreement. I discovered I was wrongfully charged the remainder of the year XXXX. I understand that I currently owe National Credit System a balance of XXXX including the month of XXXX and XXXX. My second concern is my full deposit amount of {$2100.00} which was not applied to the balance owed of {$4500.00}.
Per XXXX XXXX XXXX my deposit amount was only XXXX and I owe XXXX after deducting the past due balance which is incorrect. The reported amount of {$6800.00} to National Credit System is not the correct amount.
|
| 01/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
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I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the XXXX website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a validation letter to be sent, but they never stated the address it would be sent to and did not disclose the information that would be on that letter, such as my rights under the FDCPA. Since my suspicion was risen, I contacted the apartments that I owe and they had stated that it was very strange for the account to be transferred to another agency and not be handled by National Credit Systems, since they only deal with that agency and not XXXX XXXX XXXX XXXX. A lady at the apartment had contacted National Credit Systems to confirm that the account was still under their care and had notified me that it was, so I called them back and got the same answer, that the account had been transferred to XXXX XXXX XXXX XXXX XXXX, apparently a company under the same umbrella as National Credit Systems. I attempted one last time to speak with them about the issue and not one thing was resolved and no other information was given to me.
|
| 12/20/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
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Web |
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On XX/XX/2022 ( XXXX XXXX mail # XXXX ) I sent my first dispute to the creditor. They had 10 days to reply to notice and failed to do so. Failure to provide the aforementioned documentation within 10 days from above date to validate debt constitutes the debt did not exist in the first place.
The address listed on my credit report is XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX
They have the incorrect address listed on my credit reports making it difficult to handle this debt which does not belong to me. I have wasted money sending disputes to the address they have listed.
I followed up with a XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/2022 ( Tracking Certified mail # XXXX ) their failure to provide proof of claim by XXXX XXXX XXXX XXXX
All letters have been sent certified mail and return sender. The company has failed to comply and have ignored me.
I have requested the company to show : 1. Validation of debt over XXXX months ago. This accounts needs to be removed from my credit report.
2. Verification of their claim against me ( A sworn affidavit or a hand signed invoice accordance with The uniform Commercial Code 3. Copy of Contract signed by both parties.
4. Provide TRUE CONTRACT, NO PHOTOCOPY.
This is a breech of my privacy rights and a violation under FCRA codes ( Section 604 15 U.S.C 1681 B, Section 605 A 16 U.S.C 1681 C-1, AND SECTION 605 B 15 U.S.C 1681 C-2.
Please see attachments for letters sent to company.
I only wish to handle to handle this matter in writing. All calls will be recorded.
|
| 06/11/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
|
|
Web |
|
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These Accounts : XXXX XXXX XXXX 2.NATIONAL CREDIT SYSTEM. BE ADVISE, THIS IS NOT A REFUSAL TO PAY, BUT A NOTICE SENT PURSUANT TO THE FAIR DEBT COLLECTION PRACTICES ACT, 15 USC 1692g STATING YOUR CLAIM IS DISPUTED AND VALIDATION IS REQUESTED. This is NOT a request for " verification '' or proof of my MAILING ADDRESS, but A request for VALIDATION made pursuant to the above-name TITLE and Section. I respectfully request your offices to PROVIDE me with competent evidence that I have any LEGAL OBLIGATIONS to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, OR XXXX ) this ACTION may constitute fraud under both Federal and State Laws. Due to this fact, if any negative Mark is found on any or my credit reports by your company or the company you represent, I will not hesitate in bringing LEGAL ACTIONS against you and your client for the following : VIOLATION of the Fair Credit Reporting Act, VIOLATION of the Fair Credit COLLECTION PRACTICES ACT, and DEFAMATION OF CHARACTER ( per se ). If your offices are able ro PROVIDE the Proper documention as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time ALL COLLECTION ACTIVITIES SHALL CEASE AND DESIST. IF YOUR OFFICE FAILS TO RESPOND TO THIS VALIDATION REQUEST WITHIN 30 DAYS FROM THE DATE OF YOUR RECEIPT, ALL REFERENCES TO THESE ACCOUNTS MUST BE DELETED AND COMPLETELY REMOVED FROM MY CREDIT FILE.
|
| 02/20/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
This leasing company has been the most unprofessional business I have ever dealt with. While renting from this company I have experienced the following issues : rats and rodents infesting the home within the walls and under the property, damaging some of our items that they never reimbursed us for ; breaking the lease they wrote by being non compliant with every repair. Upon move in the management company advised us that the roof had damage ( a huge hole ) which was not repaired for the first two months of the lease. Not to mention they had terrible plumbing issues that we had to beg them to come fix. I have had companies come over to fix electrical issues as well. They stated they would never do business with this company again. The company which is ran by XXXX and his wife ( unknown name ) is very unprofessional with their communication the wife caused open confrontations with us the tenants several times over the course of our lease to the point where we advised them that she was not to come to the property. They have also made up charges such as 500 % holdover fee. Which is not stated anywhere in our lease. They have turned this made up charge to a credit company to in return damage our good history, not to mention they took out deposit and also made up claims that just were not true. The last complaint is indeed true and I have a very similar experience. Also I have never heard from the collection company in regards to this debt. They tried to tarnish my good name and never sent me proof of anything.
|
| 10/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
IDENTITY THEFT I have contacted all parties involved associated with the fraudulent activities associated with my name, NUMEROUS times. I Have Let Them Know! A Violation of 15 USC 1611. The only answer I get is it is accurate, but I disagree with the decision! Which I DO DISAGREE Because this isnt my debit. Rightfully I should not be held accountable for someone else using my information. I have provided police reports, copies of my identification card, social security number and card, I have even sent FTC affidavits. I was assaulted and robbed which is all in the police report. Per 15 U.S. Code 1611 Criminal liability for willful and knowing violations.
15 U.S. Code 1692K - The FDCPA, or Fair Debt Collection Practices Act, find its teeth in section k which imposes civil liability upon any person or business who violates the FDCPA.
15 U.S. 1681 - The banking system is dependent upon fair and accurate credit report- ing . Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
Section 812 - 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.
|
| 06/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX This letter is my LAST request for you to remove your inaccurate and unverifiable accounts from my credit report. Once again, note that this is not a refusal to pay, but a notice sent pursuant to the FDCPA 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested.
The following accounts remain unverified, even after multiple attempts to receive validation from you. I request that these accounts be immediately removed from my credit report with all credit bureaus that you report to : National Credit Systems Account # XXXX Furthermore, I believe I may have received telephone communication from your company even after I specifically requested to not be contacted by phone. As you know, this constitutes a violation of the FDCPA. I will be closely reviewing every call I've received from unknown numbers, but I am nearly certain these calls came from your company.
According to the FTC, consumers can sue a collector in a state or federal court within one year of the date the FDCPA was violated. Consumers can sue for damages, like lost wages and medical bills. Even if a consumer can't actually prove damages, they can still be awarded up to {XXXX} plus reimbursement for attorney 's fees and court costs. A group of people suing as part of a class action lawsuit can even recover money for damages up to {XXXX, or one percent of the collectors net worth, whichever amount is lower.
Best Regards, XXXX XXXX XXXX CC : Regular US Mail
|
| 12/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : National Credit Systems is not the original creditor or owner of this debt. It shows that it was XXXX XXXX. This company and their corporate office was contacted and stated they have no records of any DEBT ever owed in my name. Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages. National Credit Systems redponded to the last complaint I filed with CFPB asking me complete a Affidavit Idenity Theft form. Attached to the for they stated I should not share the form with CFPB or any other company or agency.???? Im sure due to them know they would be subject to exposure of violation of the law or my consumer rights.
|
| 08/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX, I was sent a letter from the Law Office of XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The letter was addressed to a " XXXX XXXX ''. That is not me, not my name, nor has it ever been and I do not know the person whom they are trying to contact. It stated that I owed a debt of {$2700.00} for an apartment leased in XXXX. I have never lived in XXXX and I own a home in XXXX. I ignored the letter since it was for a different person. Then, several days later, on XX/XX/XXXX, I received an email from XXXX that my credit score dropped. I went online and saw the debt collection company " National Credit Systems Inc '' had filed a debt collection against me. I am not the person who owes that debt. Both the Law firm of XXXX XXXX XXXX and the company " National Credit Systems '' have wrongfully filed a claim against me and have affected my credit score. They have a responsibility to research information prior and to be certain that any negative actions on their part, do not harm innocent individuals. This has caused a lot of distress and I have had to spend most of my day today to rectify this. I have had to file reports online, dispute charges, and have also had to call my local police department in XXXX County XXXX to file a complaint with them. I want the companies responsible for this error to correct it immediately. They need to remove the false debt collection claim and cease any further contact with me and no further actions taken against me.
|
| 12/05/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, XXXX XXXX XXXX XXXX failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, which is {$1000.00} per violation and the state of OHIO allows treble damages. Under 809. Validations of date and Mini-Mirandi under Section 807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation. NATIONAL CREDIT SYSTEMS # XXXX is held liable as well for defamation and in the state of OHIO a creditor is who collects their on debt is considered a debt collector under XXXX Taking assignment of debts. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in compliance with OHIO LAW. I also believe that this business is not registered to operate in the state of OHIO I expect this collection account to be removed from my credit report. NATIONAL CREDIT SYSTEMS. has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately. Thank you!
|
| 04/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American |
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We vacated our apartment # XXXX at the XXXX XXXX XXXXXXXX XXXX, XXXX, GA on XX/XX/2018 in compliance with the terms of the lease. The management sent me an email on XX/XX/XXXX claiming unsubstantiated damages of {$650.00}. I tried to work with them and asked for evidence such as photographs but they said they did not have any. As per Georgia law O.C.G.A. 44-7-33 they should have provided me with the damages list within 3 days of the move out date and allowed me to inspect the damages within 5 days. They did neither. So I disputed the charges. Since they had already violated one law, as per the second Georgia law O.C.G.A. 44-7-35 they're forbidden to take any action against me. They still went ahead and turned it over to a collection agency National Credit Systems. When the collection agency called me twice, I notified them both the times that these were unsubstantiated charges and had been disputed.But they went ahead and reported it to the credit bureaus. I've had " Exceptional ( i.e. XXXX credit score ) for decades which has now been reduced to " Good '' ( i.e.700+ credit score ) and will remain on my credit for 7 years. This impacts my creditworthiness significantly. They have violated the laws and yet they're continuing to take illegal action against me.
I request that this false collection charge be removed from my credit and that action be taken against the apartment management for violating the laws and damaging my credit.
I look forward to your support in obtaining justice.
Thanks.
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| 02/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Hi, National Credit Systems, they published and are sharing false information, about my credit history with FALSE documents, its causing a lot of damage with these collections that doest exists.
I've been trying to apply for personal credit and for my business and even though I have great credit the banks weren't approving anything. I then did some research and discovered that since XXXX I have Collections that don't belong to me on my credit, and I am being harmed by this. My credit was from XXXX to XXXX.
Now, because of National Credit Systems actions, I am paying more for insurance, car loan, and my application for a new job position was denied because of my credit. I need to be a General Contractor, but the license requirements needs a higher them XXXX credit.
The collection refers to an apartment rental contract, but my name was removed from that contract more than a year ago, I have nothing to do with the open account with the company anymore, I have all the evidence, all the evidence that my name was removed from the contract, and this was reported in my name.
The worse part, Nacional Credit System has my Collection and its sharing with others agencys of credit but its all false information. NCS is the worse place for debit collection because it hurts a lot my personal credit.
I had a lot of damage because all this companys did not follow the law, they use false documents, made false affirmations, created false collections, now i have a lot of problems because they did all this.
|
| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/XXXX.
They are reporting that I owe for a joint account, but I have no records indicating that this is true. I am seeking validation of this information, but National Credit Systems has not provided supporting documentation.
I received a notice from National Credit Systems dated XX/XX/XXXX stating that they did not have enough information to validate my claim.
I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information. None of the documents they sent corresponds with a joint account. I will upload a copy of the forms they sent me.
Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature.
For example the original creditor signature is dated for XX/XX/XXXX. The other signature, which is supposed to represent my signature, is dated XX/XX/XXXX.
How is this even possible?
That means that National Credit Systems is also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).
|
| 01/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received a letter from the National Credit System INC, regarding a debt of {$4300.00} from XXXX XXXX XXXX. The debt is in reference to 4 months of rent free living for a year long lease. I moved into XXXX XXXX at the end of XXXX XX/XX/XXXX. They misrepresented them as XXXX XXXX. The agent that worked with me was XXXX XXXX from XXXX XXXX XXXX Upon moving in it was clear that the apartments were section 8 housing and not XXXX. On XX/XX/XXXX, I was threatened and assaulted in the XXXX XXXX XXXX private parking garage by another tenant. I called 911 and filed a police report. On XX/XX/XXXX my father and I went to meet with the management of the building, meeting with XXXX XXXX. I explained what happened and how I was scared for my safety. There was no action taken on the management side. Management refused to follow lease protocol against the offending tenant. With no action being taken I was required to move out for my safety. I was aware that I would lose my deposit. After moving out I received an email from the management on XX/XX/XXXX, requesting payment for the concession rental incentive. I responded by disputing their claims. I did not hear anything back from them. I was shocked to have received a letter in the mail from a collections agency more than a year later. I thought this matter was resolved as I provided proof that management was negligent of my safety and moving was not by my wrong. I also got no notice to have the ability to contest this matter until this collection letter.
|
| 05/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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NATIONAL CREDIT SYSTEMS is attempting to collect a fraudulent amount of {$710.00} which XXXX XXXX the Original creditor Opened XX/XX/2022 as a matter of retaliation. XXXX attempted to evict me due to a pet deposit that she wasnt owed. XXXX became the owner of a property I was renting and only had 3 months left in the lease at the time. We took it to court and the judge granted in my favor of no eviction and no pet deposit paid to her. I was also able to leave the house two weeks early. At that time XXXX did a walk through with me and never reported any damages or fees owed. By law she was supposed to send me proof of debt within 30 days and never did she she violated state and federal laws by sending this to a collection company without me even knowing. I reached out to the leasing company for proof of damages from when I first moved in and also I reached out to the company directly and advised them of this exact information and also stated if they needed I can get court documents. They told me the charges was valid due to XXXX sending in pictures of damages which I let them know could have been from any of the units XXXX own or she could have done that out of spite to collect money and I have no knowledge of any of this. The declined to help me so I have reported it. XXXX has also kept my deposit and added the fees of {$710.00} to my credit which is way outside of any damages or cleaning fees shes requesting. I would like for these fraudulent charges to be removed from my credit reporting.
|
| 07/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
To whom it may concern, I am writing in regards to the collection reports that have been placed on my credit, from the original creditor ( XXXX XXXX XXXX ), the collection agency ( National Credit Systems ), credit bureau companies and whoever else that is claiming rental debt, third party debt collector, and credit bureaus ( data collection agencies ) collectively.
I strongly believe that the companies mentioned above have also violated the Centers for Disease Control and Prevention ( CDC ) COVID-19 Moratorium and the COVID-19 Tenant Relief Act - SB91 ( Act ), federal law that the state of Michigan also supports.
Additionally, earlier this year, I had mentioned to the entities/companies ( XXXX XXXX, National Credit Systems collection agency, and the credit bureau companies ) regarding the hardships that I have faced financially and emotionally. However, the companies have continued to bombard and harass me with notifications, payment demands, collection agency letters to my family and I, and credit reports that are still being done to this date.
Lastly, I understand that CFPB is a regulatory federal agency who assists with fraud and identity theft prevention, as well as financial harm to consumers. I ask for CFPB to monitor and review the complaint entirely throughout the investigation process while forwarding it to the companies. Unfortunately, I strongly believe that my rights have been violated and I ask for these reports to be removed from my credit in a timely manner. Thank you.
|
| 01/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I moved my old apartment back in XX/XX/2022 period I had fulfilled my lease and was on month to month I'd give him my 30 days notice received confirmation from the leasing office that they received it and when I moved I owe no money I received a letter in the mail mid XXXX from a collection agent agency saying that I owed money for a balance that I owed to the apartments that I previously lived at which was XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX then that was the only letter or notice that I had received at all regarding this issue I do not owe the debt and I collected contacted the property management company however they had ceased operations a month after I had moved from the apartments so no one can get a hold of them I contacted the collection agency to tell them that I did not owe the debt I sent them bank statements receipts that I had gotten from the apartments for all my rent the 30 day notice I had turned in I submitted all Communications I had received to and from the apartment 's emails texts and letters and I dispute it with the credit bureau however I've received no help and they have ruined my credit but I do not owe this debt the property management company simply said I owed a debt and immediately sold it to a creditor which didn't contact me and immediately then place it on my credit report I have filed with the XXXX and Attorney General 's office but still have received no solutions to this problem I do not owe this money I can prove I do not owe this money please help
|
| 02/07/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This company has committed fraud and aggravated identity theft by acting on my behalf with my data pursuant to 18 USC 1028. They brought my data and credit information from a defaulted note purchased from XXXX XXXX AT XXXX XXXX XXXX ON defaulted notes is a violation of UCC 9-110 and UCC 2- 401. As a private natural person consumer I have been violated. They use the Credit Reporting Agency 's to furnish a deceptive form on my report to make it seem as if there is a debt owed which is a violation of 15 USC 1692J. Apparently this company is a third party debt collector who unlawfully and illegally brought a defaulted note. Pursuant to 15 USC 1692c I never gave this company permission directly or indirectly to communicate with me. I have no contract with NATIONAL CREDIT SYSTEM. This company has used my data without authorized use which is a violation of 15 USC 1602P to furnish a deceptive form to make me believe a debt is owed which is a violation of 15 USC 1692J. This company has committed fraud through the mail and by Credit Reporting Agencies stating I owe a debt that is discharged which is a violation of 15 USC 1692B ( 2 ). This company has used deceptive means like letters and using the CRA 's to communicate and furnish fraudulent information with my data to coerce me into paying a debt which is a violation of 15 USC 1692E ( 10 ). NATIONAL CREDIT SYSTEM can not and will not ever produce a contract between me XXXX XXXX, XXXX and NATIONAL CREDIT SYSTEM because that contract does not exist.
|
| 06/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
National Credit Systems did not present a contract ( VERIFICATION OF DEBT ) as requested. National Credit Systems -- claimed they will send me verification documents but I have yet to receive anything verifying the debt.Proper verification is a signature and verification that I have a contractual obligation to pay them as the Debt was written as loss to creditor. Unfair practices. ( 2 ) Collecting or attempting to collect from the consumer all or any part of the collection agency 's fee or charge for services rendered, collecting or attempting to collect any interest or other charge, fee or expense incidental to the principal debt unless legally entitled to such fee or charge. ( 5 ) When the collection agency is a debt buyer or acting on behalf of a debt buyer, bringing suit or initiating an arbitration proceeding against the debtor, or otherwise attempting to collect on the debt without ( i ) valid documentation that the debt buyer is the owner of the specific debt instrument or account at issue and ( ii ) reasonable verification of the amount of the debt allegedly owed by the debtor. For purposes of this subdivision, reasonable verification shall include documentation of the name of the original creditor, the name and address of the debtor as appearing on the original creditor 's records, the original consumer account number, a copy of the contract or other document evidencing the consumer debt, and an itemized accounting of the amount claimed to be owed, including all fees and charges.
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| 08/30/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Not only do I not know what debt they are referring to, or what it is for, they have violated my rights as a consumer. Pursuant to the FDCPA, specifically 15 USC 1692g, it states : Within 5 days after the initial communication with a consumer in connection with a collection of any debt, a debt collector SHALL, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer written notice containing the - ( 1 ) the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within 30 days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty_day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt and ( 5 ) a statement that, upon the consumers request with the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor. This company has not provided 3-5 and therefore, is in violation of the law. Not only did they not include it on the initial communication, they failed to send it within the 5 days. This is a clear violation of the law and is not equitable or fair to me, the consumer, in which they are claiming the deb is owed.
|
| 04/14/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.
|
| 01/14/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello there, Please be so kind to review the documents submitted. We have attempted multiple times between my husband and I to resolve this billing error and pay the rightful amount, but we have been met with hostility and refusal to review actual binding documents. We have included the Final Account Statement provided by National Credit Systems, the Apartment Lease Contract and our bank statement showing the {$1000.00} had been paid. The Apartment Lease Contract stated {$1000.00}, due on or before the date this lease contract is signed is a concrete proof showing that we have paid {$1000.00} deposit due before move-in. We discussed this point with the National Credit SystemsXXXX XXXX XXXX XXXX representatives multiple times, but they refused to take this binding document seriously which is ironic for a law firm. They have hung up on us multiple times and yelled at us Pay your bill when were trying to make a point that theres an accounting error that must be corrected first before we pay. The last document is our bank statement which shows {$1000.00} used to pay for the deposit as outlined by the contract before move-in. {$1000.00} should have been credited to the bill rather than {$500.00} showing on the bill. The difference is the amount we will pay, {$170.00}. We have told them that were willing to pay but it has to be the correct amount and they showed no interest in resolving this so we are hoping that you all will be able help us rectify this situation. Thank you for your time.
|
| 08/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
National Credit System refuses to speak to me about the alleged debt and says their attorney is the one who will be taking care of the debt. The office is not a real attorney office and National Credit Systems is a third party with no rights to collect.
3-203. TRANSFER OF INSTRUMENT ; RIGHTS ACQUIRED BY TRANSFER.
Primary tabs ( a ) An instrument is transferred when it is delivered by a person other than its issuer for the purpose of giving to the person receiving delivery the right to enforce the instrument.
( b ) Transfer of an instrument, whether or not the transfer is a negotiation, vests in the transferee any right of the transferor to enforce the instrument, including any right as a holder in due course, but the transferee can not acquire rights of a holder in due course by a transfer, directly or indirectly, from a holder in due course if the transferee engaged in fraud or illegality affecting the instrument.
( c ) Unless otherwise agreed, if an instrument is transferred for value and the transferee does not become a holder because of lack of indorsement by the transferor, the transferee has a specifically enforceable right to the unqualified indorsement of the transferor, but negotiation of the instrument does not occur until the indorsement is made.
( d ) If a transferor purports to transfer less than the entire instrument, negotiation of the instrument does not occur. The transferee obtains no rights under this Article and has only the rights of a partial assignee.
|
| 11/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XX/XX/XXXX, received letter stating I owed XXXX to XXXX apts. the accuracy of this debt is false and fraudalent. stated I moved in XX/XX/XXXX and have new lease that I moved in XX/XX/XXXX. I have all my receipts that do not total what is stated I owe. the receipts state a zero balance. there is a document with my signature that is forged by someone trying to sign like me. I have a voice recording of my speaking with the landlord and she can not give me an accurate date on when and why this debt is owed. I was on section8 housing assistance and have letters that the manager states i do not owe this debt. National credit systems have attached my credit report with this negative and false reporting that is hurting my credit. they are aware this debt is false but continued to place it on my report regardless.the landlady told the police officer I had involved in this matter that I owed in XX/XX/XXXX but stated to me it was because i moved out in XXXX XXXX she is inconsistant on the dates to which this debt is owed. i was not aware of this matter until 6 months after i had in fact left those apartments. the landlady never contacted me in this matter and i feel this is wrong. XXXX XXXX, the landlady falsified the name of the apartments : she placed in collections under XXXX apts but the building is XXXX management inc. she is attempting to extort money that i do not owe. have made several attempts by sending in all my receipts showing a zero balance but still reported as negative debt
|
| 10/03/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
on my credit report I have noticed that I have two different third party credit agencies reporting the same debt on my credit report. I have learned and understood that this is a violation of the CFPB and FCRA. I have sent several disputes to both agencies and they're both continuing to report the same account. I also noticed that XXXX XXXX XXXX is charging interest on top of the balance they claim I owe. I have went as far as to calling the apartment complex ( original creditor ) to see what debt I owed they were unable to give me any information, they mentioned that they had just purchased the property and gave me contact information on the company that owned it previously. I contacted a company called XXXX to find out information on the debt and they gave nothing. I also went as far as calling XXXX XXXX which is the company that XXXX XXXX says they collect for and they were also unable to find any information on me, not only do they not own or manage the property they also said that they have not used a third party to collect for them since XXXX on XX/XX/2019 I spoke with an XXXX XXXX representative by the name of XXXX and her supervisor name was XXXX. she was very rude and she yelled at me told me that this she didn't care to listen to what I had to say over the phone that she would continue to harass me until I send in letters in which I've done on several occasions. I also went as far as trying to ask questions about the debt to get information and she hung up in my face.
|
| 06/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
National cr edit Systems XXXX XXXX XXXX XXXX , ga XXXX on X/X/2017 was given a call in reference to work out payment arrangements on behalf of my niece. I recorded and informed the representative I was speaking to by the name of XXXX XXXX who was the only representative that I was ever able to speak to. While speaking to XXXX I a sked him for our options outside the balance in full and let him know I made a {$5.00} payment on the account via debit card on X/X/17 . XXXX then asked me what was I expecting to attempt making that payment. I informed XXXX the payment was made because he had threatened to attempt to garnish her wages. XXXX then said their calls are recorded and I said so i s this one t hen XXXX said he has to terminate the call. I attempted to call the company back multiple times but kept getting forwarded to voicemail. The representative also threatened the consumer with not be able to get student loans because of this which is totally false. I work for th e XXXX XXXX XXXX . So I left a voicemail on the representatives machine letting him know I will be filing a complaint with the Attorney general and that since they will not accept payment nor arrangemen ts we will consider this debt as paid for. Then I moved forward from there to file the complaint. I believe was this agency is trying to do is agains t the Unfair Deceptive Acts Abuses and Practices act also. Plee let me know what to do forward. I do still have the recording.
|
| 05/25/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a victim of identity theft a nd National Credit System is tryin g to collect on the debt below that is not mine. I have asked that the debt be validated per the Fair Deb t Collection Act t wice via certified mail with no respons e. National Credit System c an not provide my signature for this debt as afforded by federal law per the Fair Debt Collectio n Act. National Credit Systems XXXX XXXX XXXX XXXX , Georgia XXXX RE : Account # XXXX /Balance : {$220.00} /Original Creditor : XXXX on XXXX . National Credit Systems has failed to provide the following information needed to validate this debt : Proof I agreed to this debt with my sig nature ( s ) Proof the amount you are claiming is correct and legal, which will require all statements and payment history from the original creditor Proof this account is within the Statute of Limitations and has not expired Proof you are the owner of this account, which will require the contract and terms between you and the origin al creditor Proof you are legally licensed ( b onded and insured if applicable ) to collect this debt in my state For verification purposes, I will need your business license number ( s ) If signatures showing where I agreed to this debt can not be provided, I am not liable for this debt and this information should be removed from my credit profile immediately. If National Credit Systems can not comply with federal law, I will have to contact my state attorney general with all co rrespondence.
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
|
|
Web |
Servicemember |
|
Spoke with XXXX XXXX in legal on XX/XX/18. Asked about why the debt was previously turned over to an attorney and now back at the credit collection agency. On a recorded line, she stated that they hired an attorney to garnish wages and income. Advised that XXXX XXXX receives government money. After asking to repeat herself because I can't understand what she was saying, she hung up the phone. The reason why she would not repeat herself is because she threatened to cease property and garnish the money that we have.
We have tried to dispute all the charges assessed by the apartment complex.
We have previously asked for the receipts of the charges and services they are charging for. This debt is not belong to XXXX XXXX and it not owed. We want an accounting breakdown with supporting evidence of the receipts for the services paid for to justify these charges. Also, it is a catch22 to be charged because we didn't give notice before moving out when they did a " 3 day no option to cure ''. I would like a copy of the " 3 day notice '' we were given, as XXXX XXXX stated we don't need this and asked a lot of questions concerning this notice. I want to know why they don't have a copy of this on file. Also, the company is double charging for a water bill twice, in the amount of {$60.00}. Charges on both account numbers XXXX and XXXX are for the same water/electric bill. Please show me a copy of both water bill. Remove these from the credit reporting and delete the trade lines.
|
| 09/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
I as a XXXX XXXX have filed multiple complaints with National Credit Systems Inc. and they have failed to properly repair my consumer report.
Ive done my due diligence and studied my Consumer Laws, UCC & USC codes as well. As attorney general Id like you to reach out to this company on MY behalf and submit a request to delete the XXXX apartments complexes they are charging me for.
I have not given this company or any other consumer reporting agency written instructions to furnish any data which violates my rights as per 15 USC 1681 sec. 602 ( a ) 15 USC 1681 C ( a ) ( 5 ) sec II - states that no consumer reporting agency may make any consumer report containing any of the following information : any adverse item of information other than records of conviction and crime which up to date the report by up to 7 years 18 USC 894 - Collection of extensions of credit by extort
ionate means ( a ) Whoever knowingly participates in any way or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonpayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both. 15 USC 1666b - a creditor may
not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. Privacy and consent.
Please take care of this once and for all. These are the OFFICIAL laws and they trump and corporate agency policies.
|
| 08/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XXXX XXXX, I decided to pull my credit report. I found that there was a debt listed from National Credit Systems in the amount of {$5200.00}. I disputed this with the credit bureaus and asked that they send me supporting documents as to why this debt is listed on my credit report. They responded by saying that the debt has been verified with no actual verification documents. I was simply confused because this is not my debt and I was not sure what to do. I finally looked at my credit report again and noticed it was from XXXX XXXX XXXX XXXX and shows that the account was opened on XXXX/XXXX/XXXX. I had just moved out of a property XXXX/XXXX/XXXX but this lease was under XXXX XXXX XXXX and NOT XXXX XXXX XXXX XXXX. I moved out of XXXX XXXX XXXX on XXXX/XXXX/XXXX and signed a lease for my current residence on XXXX/XXXX/XXXX. I moved out slowly and made sure the residence was in top shape before vacating. I have never broken a lease nor have I damaged any properties. I am not sure why XXXX XXXX XXXX XXXX and National Credit systems has this massive debt listed on my credit report but I would like it removed as soon as possible. I have attached for your convenience the notice to vacate receipt that was sent to me from XXXX XXXX XXXX, my lease renewal for my current residence showing when my lease first started, and a page of my credit report that shows this collection from the collection agency National Credit System and the original creditor XXXX XXXX XXXX XXXX
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| 07/11/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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A lease for property was taken out at XXXX XXXX, in XXXX XXXX in my name via online. In XXXX of XXXX.
I do not live nor have ever resided in the state of XXXX. I am a resident of XXXX, and have lived in XXXX, as well as XXXX.
I lost my wallet about a month prior to this transaction being taken.
XXXX XXXX went to court for eviction and sued me for over {$4000.00}.
I never knew this as I was never notified. I went to purchase a car in XXXX XXXX and this line item was on my credit report and I disputed it fully with all 3 credit bureaus and put a freeze on my credit report.
There is also a notation that my identity is compromised, and I have a duplicate identity, to please verify its me.
I reached out to the property in XXXX and XXXX of XXXX with no success via phone and email. No returned communication.
I notified the credit bureaus in XXXX of XXXX of the unsuccessful attempt.
After months of trying to dispute with credit agency and the creditor not working cooperatively with me I filed a motion in court on XX/XX/XXXX with XXXX XXXX XXXX to have the judgement dismissed for lack of notification, I was never in this state, and identity fraud.
I additionally picked up a copy of the original complaint from the attorney that was never received to me dated XXXX, they mailed it to the property address that was rented in my name however I have never resided there.
XXXX XXXX property attorneys were served/mailed on the XXXX of XX/XX/XXXX with my motion.
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| 12/01/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I noticed the collection from national credit systems following the end of the lease around XXXX at XXXX XXXX XXXX. After receiving no information in regard from this collection from either the apartment complex or the collection agency, I contacted the collection agency. I was told that there were charges made by the complex. I then asked what these damages were and was sent an itemized report via email. The report included multiple damaged blinds, painting of the walls ( which did not occur ), a large hole in the wall ( which was merely a small scrape of paint missing due to a small metal piece that was sticking out of the top of the electric reclining couch ) and multiple missed payments which were made via money order to the complex due to the online pay system being down. I asked the customer service rep at National Credit Systems why I hadnt received any information regarding these charges and received no reasonable answer. I have picture proof of the state of the unit taken on the last day of my cleaning and walkthrough of the apartment. Im very displeased from the behavior of the company that owns the complex ( who are very difficult to contact ) and by the lack of assistance from the collection agency. The charge is a derogatory mark on my credit report and has made it impossible to get leasing into another apartment complex. The charge is for {$3600.00} which appears to be very bad when other companies see the amount and where the charge is from.
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| 11/15/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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This company is claiming that I owe a debt, but I have never had a relationship with NATIONAL CREDIT SYSTEM. They are illegally reporting an incorrect account to the credit bureaus, and this is affecting me tremendously. I sent the first letter on XX/XX/XXXX, and the second letter on XX/XX/XXXX requesting validation, but this request fell on deaf ears, yet it is still on my credit report. I am under the impression that NATIONAL CREDIT SYSTEM received my letter because my credit report notes that it was in a dispute. My question is why have I yet to receive any validation of this account? Also, the balance is not the same balance I have with the original creditor, so I am confused as to why this company is saying that I owe the stated balance on my credit report. Due to the fact that you've not legally verified this account and have allowed for incorrect and possibly fraudulent information to continue reporting on my credit file, you are required to remove this account immediately from my credit report. Also, how is XXXX reporting that this has been a collection since XX/XX/XXXX, but XXXX and XXXX have no record of this? This is violating so many FCRA and FDCPA requirements. If I am forced to take this to court and hire an attorney, I will be seeking {$2000.00} per violation. I will attach the letter that was sent 3 months ago. You will also see the mailed date and time stamp on the letter. Please investigate once again and remove this account immediately.
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| 05/10/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I received a debt collection notice from National Credit Systems , Inc. in the mail. The letter is dated XX/XX/2023.
I called the representative assigned to my case, XXXX XXXX XXXX. She called me back 2 days later. When she called me, she told me the amounts associated with my collections account. I told her I was a victim of identity theft and that I would like to dispute the charges. She said she would send me the identity theft packet for me to prove that this debt is not mine. This is exactly what I was expecting because I have had to fill out many of these with several debt collectors as a result of this recent identity theft.
I then asked her for details regarding the debt owed, specifically which apartments complexes I owe the debt to and the dates for the charges.
She would not provide me with the dates associated with the charges. This surprised me because every other debt collector has given me the dates and it is required for a debt collector to provide details regarding the debt owed. She insisted that she did not have to provide the dates.
After getting off the phone with her, I realized she also did not email me the right information for submitting a fraud claim. She emailed me a form requesting emergency rental assistance.
I am filing this complaint because National Credit Systems needs to provide me with the dates associated with my fraud claim and they need to send me the fraud packet so that I can prove this is identity theft.
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| 03/31/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
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On or about XX/XX/22, I received an alert from XXXX XXXX stating that a collection in the amount of {$3600.00} had been placed on my account. I pulled my credit report and found that the company reporting the collection was National Credit Systems Inc. out of XXXX, GA. I contacted them the next day and was able to obtain a copy of the bill for past due rent at the XXXX XXXX at XXXX Apartments in XXXX, XXXX. Needless to say, I had never rented and apartment at that complex. I immediately contacted the XXXX, Illinois Police Department and filed an Identity Theft report. I then carefully reviewed by credit report and discovered that another apartment in the City of XXXX was currently being rented in my name. I spoke with the manager at this complex and she suspected that the renter was there fraudulently. She even provided me with the DL # and I shared it with the detective on my case, and it was a fake ID. The XXXX contacted The XXXX at XXXX and obtained the fraudulent information used to rent the apartment. The applications from both apartments were sent to National Credit Systems , Inc. NCS has informed me that they do not make the determination on whether it is a valid debt, and that the apartment complex makes that determination. The apartment complex has told me that the collection company determines the validity of the debt and that it is out of their hands. This has been going on for almost 3 months and the collection is still on my credit report.
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| 09/01/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I use to be a resident who moved out of XXXX at XXXX XXXX XXXX, after moving out when the lease was over I was contacted two weeks later from the leasing office making reference of owing XXXX dollars for damages. When I asked what damages, I was told bedbugs, and garbage left in the apartment. I refused to believe that because for one, I never had bedbugs and second, the apartment was left clean and damage free. When I asked for evidence such as pictures I was not given an opportunity which makes me believe they made up these allegations to keep my deposit. I'm familiar with Georgia tenant laws and guidelines that must be followed and I assure you none of the guidelines were followed by XXXX at XXXX XXXX XXXX. I was never given a list signed by a employee in the leasing office, I was never allowed to enter the apartment to see if the damages was true so in the event I would honorably be able to handle the damages. To add insult to injury this debt collection company named National Credit Systems Inc. who I have no contract with concerning this alleged debt decides to trespass by taking my social security number and damaging my credit by reporting that I owe them an alleged debt they obviously paid pennies on the dollar for, in order to try extort me for funds. To keep in honor I sent them a negotiable instrument and affidavit to satisfy the debt by registered mail. To this day they still have the negotiable instrument and still damaging my credit.
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| 07/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Web |
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I have an account from national credit systems that was originally for XXXX dollars for a broken lease for apartments. I resided in the apartment homes for one month and moved due to the environment, at this time I had gotten a phone call from national credit systems around XX/XX/2010 saying I had been sued and owed them XXXX dollars. I disputed this account on this basis that I never received notification prior to it reporting to my credit as well as that the balance was inaccurate, I requested at this time a debt validation within 30 days which was never received, at this point I requested the account to be removed from my credit report. It was not. I have disputed this account on 9 separate occasions throughout the years following and continue to get a response from the credit bureaus stating " national credit systems has validated this account with OUR company '' I have never received a debt validation from this company and I have all accurate up to date information for correspondence on my credit report. This is in violation of the fair credit reporting act to not send debt validations and say the account is validated. My last dispute was about 30 days ago on the basis that the company violated the law stating that a landlord must seek a new tenant when previous tenant breaches a contract and terminates lease before completion. This community charged me for the remainder of the lease and never made reasonable attempts to re-sell the property.
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| 03/26/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am XXXX XXXX a federally protected consumer and I am making another complaint against National Credit Systems regarding an account that they purchased from The Alcove Apts. I have sent your company several correspondences, however, your company 's response is always a computer-generated letter stating there is not enough information to validate my claim, and this alleged debt continues to remain on my consumer reports with no regard to how this affects me. First, I would like to state that I have never given National Credit Systems any permission to use any of my identifying information to commit aggravated identity theft by contacting me about an alleged debt they claim that I owe. After several correspondences and a previous CFPB complaint I have still not validated any alleged debt with National Credit Systems and while I have not validated such claim of debt this, in turn, can not be constructed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence such as a TRILATERAL CONTRACT between, The Alcove Apts, NATIONAL CREDIT SYSTEMS, and myself, giving National Credit Systems any right to collect on this alleged debt. It is my belief that National Credit Systems is attempting unlawful fraud activities and theft by deception by attempting to furnish false and deceptive forms and continues to commit several violations under the FDCPA especially when an eviction NEVER occurred. Please see attached documents.
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| 05/27/2022 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I found out on XX/XX/22 I was a victim of identity theft bc leasing consultant at XXXX by the name of ( XXXX XXXX ) contacted/XXXX the address on my ID. Because the person pretending to be me was caught in a lie about rather the address was a house or apartment complex. XXXX tells the purp that on the ID it says apartment # XXXX and the phone disconnects. XXXX finds the apartment complex on my ID and calls them to verify the information on the application and ID. I only find out what was going on bc my sister whose address ( XXXX XXXX XXXXXXXX XXXX XXXX ) was faced with a 7 day eviction notice. Once that happened her boyfriend contacted me to let me know whats going on in XXXX XXXX, Fl. Once I found out I went to XXXX twice to meet law enforcement to file a report of Identity theft. XXXX gave her account to Sheriff Officer XXXX and so did I.
When it comes to these apartment complexes they are just placing debts on peoples accounts rather they verified it wasnt you or not! They dont care they only care about revenue that was never theirs to begin with I never lived at any of the places that are on my account none of this is falls under fair credit anything far as I know I never been a victim of identity theft and have to go through so much to get these false reports off after they knew it wasnt me. They have my social and ID not bc I gave it to them now theyre trying to hold me responsible for the debt to be paid.. In what world are we in??
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| 09/28/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Web |
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A collection agency started to call. They pressured that my account was up for review and that I will be sued if I did not make a payment. The company has refused to work with what is within my means of living. I was recently homeless, trying to obtain healthy living standards. I offered them a deal. They refused. I can not pay full balance as it was an eviction and in the upwards of a few thousand dollars. I am XXXX years of age and a student. When they call, it is in snarky tone and condescending. I did not stay at the complex for 8 months. After the fact they want to charge for 8 months rent and bonuses. That is why I offered them a lower % back because the complex had the opportunity to fill the vacant spot. As this was happening the complex sold itself to another financial institution. Causing new management, not being able to obtain old records with approximate balances that were updated and account information. Causing the new collection agency to collect on debt that is wrongful. Along with their obscene behavior. Plus threats to take action that were never taken should be adequate enough to where this account is dismissed. The original creditor has sold the account. Thus leading the collection agency not owning the original debt as well with no proof of transactions. I also have no received anything in mail by the agency after I disputed the information they provided and they continue to call back without verifying the information.
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| 02/24/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My fiance and I moved out of our apartment XXXX at the XXXX in XXXX Colorado on XX/XX/XXXX. On XX/XX/XXXX I was notified of a charge in the amount of {$500.00} that was added to our account on XX/XX/XXXX. I contacted XXXX XXXX, the leasing consultant at XXXX at the XXXX, immediately and disputed the charges as the carpet damage was done by previous tenants and was documented when we first moved in. He then wrote off the charges on XX/XX/XXXX. My mother is the XXXX who originally contacted me about the debt collector hassling her, calling her almost every day in regards to the {$500.00} debt that was posted to my account. I contacted the National Debt Collectors office immediately to get more information where I was then harassed, hung up on, and refused clarification. Since then I have sent in the updated ledger and my mail was returned ripped open and the ledger missing. My mother also has sent in the updated ledger and it was returned to her with an upside down stamp stating it was a valid debt, even though the ledger the debt collector has ended on XX/XX/XXXX and does not reflect the write off charge posted XX/XX/XXXX. It is now XX/XX/XXXX and not only is my credit score in the gutters from the false debt, but I am now at risk of eviction due to this false debt being on my renters history. My mother ( my garentor at the time for the previous apartment ) and my fiance 's credit score have also been negatively effected by this false debt.
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| 07/19/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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XX/XX/2023 XXXX XXXX In reference to National Credit And / OR XXXX XXXX XXXX XXXX tx XXXX Validating Debts I respectfully request that you provide me with the following information : * ( 1 ) the amount of the debt XXXX * ( 2 ) the name of the creditor to whom the debt is owed and who owns the debt now * ( 3 ) Provide a verification or copy of any judgement ( if applicable ) : * ( 4 ) Proof that you are licensed to collect debts in XXXX, Tx Be advised that I am fully aware of my rights under the Fair Debt Collection Practices Act and the Fair Credit Reporting Act. Also be advised that I am keeping very accurate records of all correspondence from you and your company.
I have disputed this debt ; therefore, until validated you know your information concerning this debt is inaccurate. Thus, if you have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, you must immediately inform them of my dispute with this debt. Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act 1681s-2. Should you pursue a judgement without validating this debt, I will inform the judge and request the case be dismissed based on your failure to comply with the FDCPA.
Finally, if you do not own this debt, I demand that you immediately send a copy of this dispute letter to the original creditor so they are also aware of my dispute with this debt.
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| 10/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I have XXXX complaints : faulty billing practices and abusive practices experienced by employees of National Credit Systems. My account was forwarded to NCS in XXXX XXXX I assume ) after moving from XXXX at XXXX XXXX and having a balance due of {$210.00}. I did not receive the bill at my new address until well after the deadline to pay before being forwarded to a collection agency.
I received the NCS 's contact information from XXXX at XXXX and called NCS XXXX to attempt to resolve. I have had XXXX interactions with NCS all have been a disaster. Represenatives are extremely rude, talking over me, and hostile - the manager hung up on me ( his name was XXXX XXXX XXXX although I was simply trying to report my interactions with XXXX earlier representatives and provide proof of payment.
The second complaint involves their billing practices. I authorized an electronic check on XXXX/XXXX/2015, the funds were deducted by NCS on XXXX/XXXX/2015 yet I have not been given credit for the payment, I continue to receive collection calls, and have reengaged XXXX at XXXX XXXX, because I can get nowhere with these people.
Last, they leave detailed threatening messages on my cell phone and voicemail such as " this is an attempt to collect a debt ... we may engage law enforcement ... ''. This is inappropriate and I doubt legal.
The point of this complaint is to get assistance with getting credit for a payment made and to report their abuse practices.
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| 06/14/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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National Credit systems has reported an invalid debt to XXXX XXXX credit file. After reviewing the documents sent to XXXX XXXX after debt was already reported to his credit file was totally out of line and did not follow the guidelines set by the FCRA. XXXX XXXX should have been notified prior to account being placed on his credit file. Also after reviewing the documents National Credit System sent theres not a signature or agreement between XXXX and XXXX XXXX. XXXX XXXX did not sign or agree to any contract with XXXX. National Credit System did not and can not provide any signed agreements between XXXX and XXXX XXXX. As XXXX XXXX council representative if this account is not removed immediately we will file sue with XXXX XXXX XXXX house accordingly. My firm advised XXXX XXXX to withdraw/ void payment. We also reached out to Elevations XXXX they also agreed there were no contract signed between XXXX XXXX and XXXX. We have reviewed all documents thoroughly and there is no signature or contract between XXXX and XXXX XXXX. Once again we will pursue damages caused by client National Credit Systems if collection account is not remove from credit bureaus. The penalty is up to {$1000.00} per reporting inaccurate information per each credit bureau. National Credit system has used illegal and unethical tactics to collect monies not owed which has damaged XXXX XXXX credit rating. My law firm will see this through entirely.
XXXX XXXX XXXX XXXX
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| 05/27/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Listen to this please In XXXX I was in school I was kid in the XXXX grade going through a lot and I didnt have a job ok next XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX contact me saying that have to pay they have my social number and my email address Im on the phone with telling them I didnt apply to no college campus in XXXX and then I said I was a kid so i dont how yall got my in information I didnt signature nothing an second I dont know where that at an third I havent seen college campus or havent been one and I told them Im not paying for something that not true and I ask them so yall going to make me pay for something I didnt do and they said yes no matter what you do or do got a job and next I had contact them and said Im a police report they said that wont help, i keep telling them over and over I didnt do it in respectful way and they was being rude to me an yes I got rude back Because I dont appreciate someone rude to me and I being nice and telling the truth I should have record them but I couldnt I didnt have other phone, Me and my auntie even told them to check my medical records that proof right there that Im XXXX I hope and pray yall believe me and I know they going to disagree because they know they wrong for this they could of taking me off of repeatedly over and over telling them I didnt do it but like I said I hope and pray yall believe me and I know they going to disagree because they know they wrong for this
|
| 07/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I lived at XXXX XXXX XXXX for 11 years from XXXX to XXXX paying rent as agreed. A portion of my rent ( 30 % ) was subsidized by XXXX XXXX XXXX XXXX XXXX ( section 8 ) who inspects the houses to make sure they are up to the Public Housing Agency ( PHA ) standards.
After living here for 11 years and in order for me to continue living there, the ( PHA ) Housing Agent in charge of inspections requested that due to wear and tear, certain items needed replacement, a new carpet, new refrigerator and replacement of certain parts of the kitchen counter. XXXX XXXX XXXX administrator agreed to the replacements but then tried to charge me for the cost of these items. After many attempts for them to remove the charges, I seek legal aid and the resolution by the Judge was dismissal of all charges liberating me from the debt. After the judgement I did not renew the lease and moved out.
Now that I am trying to rent or buy my own place, realized that XXXX XXXX filed an eviction complaint against me when I had already left the apartment per contract and on the date I was supposed to leave.This appears on my credit report as an eviction and as if I owe them for something I don't even know what it is. I believe this was in retaliation for the judgement in my favor.
In the court documents attached please notice the date of the ruling from the judge in my favor is XX/XX/XXXX and the final judgment for possession is XX/XX/XXXX.
I moved out XX/XX/XXXX.
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| 09/16/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I received a letter of collections from NCS two years after I moved out of an apartment. I did sign the lease for the year in question, however, never received any notice of anything as i had left and my ex stayed in the house. Upon this notice I proceeded to request via call on XX/XX/XXXX of XXXX a validation of the debt as I never received notice and had no knowledge of what the debt was. I proceeded to send a letter as well to come to a common ground. On XXXX XXXX XXXX I received a breakdown of charges all addressed to the primary lease holder and not myself, which only validated XXXX of the XXXX they are trying to collect on. On XX/XX/XXXX of XXXX I received a return call from NCS on which I proceeded to inform them I only received 2 pages of the original contract and only see about XXXX of validated charges. I requested the full lease and for them to validate the other charges. XXXX ( the rep ) proceeded to ask me to leave a voicemail for his XXXX in which he would call me back. With no response, I then received a letter in the mail on XX/XX/XXXX of 2023, informing me that due to lack of contact they will be reporting me unless I reach back out. I feel this is incomplete validation of debt. We are going on almost 2 months of not being able to provide me with full validation of the debt. I also feel that I am being threatened during this dispute as I have not received contact upon request. Please help me understand my rights.
|
| 06/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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This is for National Credits Systems and XXXX XXXX XXXX. I moved out of these apartments in XX/XX/XXXX do to unsafe, unhealthy and a unlivable conditions. ( I have documentation of this and witnesses to confirm ) I reported them to the health department as well as wrote a complaint to the company executive leadership. I was sent a document showing that they 'wrote off ' all the costs and the balance was XXXX. In addition, the items that that were written off were charges that were due to the apartment being in poor condition not from me. I heard nothing else until six months later National Credit Systems called me demanding money and refused send my a statement showing what I owed. They actually wanted me to pay over the phone without any documentation. Finally in XXXX of XXXX I get an invoice with the ridiculous charges.
I was told when I reported the apartments to the health department that they might retaliate and this was their way of doing that. The apartment manager actually threatened me with eviction if I did not stop complaining about the apartment and the conditions. The apartments have since been sold and the manager was fired. At no time was I sent an invoice saying that I owe anything ; they went straight to reporting to collections. In addition, after the mold infestation and horrible living conditions I owe nothing. The apartments were in breach of their lease agreement by not providing a safe and livable apartment.
|
| 08/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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National Credit Systems is representing another third party company by the name of XXXX XXXX for a debt totaling {$1500.00} and National Credit Systems is also representing XXXX XXXX XXXX for a debt totaling {$3900.00}. I have wrote National Credit Systems as well as all three credit bureaus and advised them that this debt does not belong to me. This was fraudulently opened and I provided a police report as well as the Identity Theft report.
XXXXXXXX XXXX is representing XXXX XXXX XXXX for a debt totaling {$1200.00}. This is not my debt. I never purchased insurance through XXXX nor any of it's affiliates.
XXXX XXXX XXXX is representing XXXX for a debt totaling {$850.00}. This is not my debt. This account was fraudulently opened in my name.
XXXX XXXX XXXX is representing XXXX XXXX for a debt totaling {$6700.00}. I have reached out to this company several times. I never signed an in person lease. I was residing in another state when this apartment was fraudulently leased under my name, I filed a police report. I reached out to the company and the person that allowed a fraudulent lease take place refuse to accept responsibility. I never met with anyone in there office or any other location to sign a lease.
XXXX XXXX is representing XXXX XXXX for a debt totaling {$140.00}. This debt was paid off back in 2017.
All these collection accounts need to be removed from my credit report with no attempt to collect a debt from me.
|
| 05/04/2022 |
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
|
|
Web |
|
|
On XXXX XXXX I found National Credit systems on my report and it is inaccurate 15 U.S. Code 1681 -. ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.
( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I have called this company numerous of times about this debt not being mine they sent me three fraud packets and i sent all three but they stated that they never received two of the packets which i know was a lie. Then in XX/XX/2020 they did receive the third packet I sent. in XX/XX/2020 i got an email stating that the debt was valid but they didnt send the information I requested at all. While going through this I was speaking with XXXX XXXX who tried her hardest to help me she transferred me to a supervisor Back in XXXX I left a voicemail and never got a call back. Then i called again to ask to speak to the supervisor again and the gentlemen told me that no one can help me and i need to pay the debt i asked why was the information that i requested wasnt sent he stated that they are not required to send that information. I hope that phone call was recorded because those was his exact words to me. I filed a identity theft report with FTC sent over everything that was requested police report photo id. Now i asked them to validate the debt back in XXXX and they didnt respond at all and here it is XX/XX/2020 and still havent gotten the information. I want them to stop collections and remove this off my credit report I AM A VICTIM OF IDENTITY THEFT and they dont seem to care about that. Now i know its past the 30 days from the information i requested from them and they have to remove this because they were not in compliance at all.
|
| 04/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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National Credit Systems is reporting an inaccurate negative account on my credit profile despite me never legally having a contract with the company. The invalid claim was used as a scare tactic to coerce me into paying a portion of a debt owed by a former roommate after move out. The roommate was originally set a letter from this company requesting payment. The original letter was not addressed to me and did not reference me or any balance I owed. I was contacted by the company over the phone after they failed to collect money from my former roommate and was coerced into paying half the debt after being told they would take negative action on my credit profile. After discussing the situation with legal aid I contested the charge with my credit card company and informed National Credit Systems they would have to collect the money from the roommate directly as the debt was not mine. The company then reported the full balance of the debt against me and threatened legal action if I did not reverse the disputed charge so they could collect the money. After fear of further repercussion I reversed the dispute and allowed the company to keep the money charged to me. Requests to have the company remove the reports since then have been rejected despite me never originally being responsible for the full debt owed. I have disputed the claims on all three credit bureaus in hopes of having the reports officially removed from my profiles.
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| 09/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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National credit systems never informed me of my right to dispute my debt. I found out I had a collection against me by recently pulling my credit. Our initial contact was XX/XX/2015. I have 30 days to dispute after our initial contact. I sent them certified mail which was signed by XXXX XXXX stating I need validation that they are liscensed to collect a debt in alabama, proof that they own the debt and the debt is mine .They then sent me a letter dated XX/XX/XXXX that only stated I owe XXXX sent by XXXX XXXX. The letter did not break down what I was being charged for nor did they include the original creditors address not did they proof they own the debt. I called them thursday XX/XX/XXXX and spoke with XXXX XXXX to let them know this is not proper form of validation. They then sent me another letter stating I now owe them {$2200.00}. This is false representation of a debt which violates the FDCPA. Attached with the letter was a copy of a lease. On the first page of the lease was a move in/ move out check out list THAT DID NOT HAVE MY SIGNATURE, it was signed by another person. I am being charge for damages to a property when my signature was not even on the move in or check out list.There were XXXX signatures on the last page of the lease that does not look like my signature. I never agreed to these charges. This is not my debt and they are breaking the law by falsely representing a debt as well as deformation of character.
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| 02/10/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was a guarantor of a lease for my daughter from XX/XX/XXXX until XX/XX/XXXX. My daughter signed a new lease for XX/XX/XXXX until XX/XX/XXXX. I did not sign the 2nd lease as my daughter then had rental history and is an adult.
For several months on the 2nd lease the apartment manager/maintenance entered her apartment without proper notice ( along with other unsafe practices ) where my daughter felt very unsafe and like she had no other option but to move. She moved at the end of XX/XX/XXXX after giving a 30 day notice and trying to work it out with management.
The apartments have now sent her to National Credit Systems Inc. to collect the remaining balance of her lease ( {$1100.00} ). She is objecting to owing the amount due to the illegal entering of her apartment.
I now have also received a collection notice from National Credit Systems. I've contacted the apartments via email ( XX/XX/XXXX ) and talked with XXXX XXXX of NCS ( XX/XX/XXXX ) relaying that I am not a guarantor for the lease period. XXXX mentioned today that since I signed the original lease I'm on the hook for all future leases and that he has reported me to the credit bureau agencies. Also, when returning my call the call ID showed a local phone number in Oregon and NCS is located in Georgia.
I feel like National Credit Systems is violating not only my rights by trying to collect a debt not owed by me but my daughters by contacting me about her debt.
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| 09/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have never received a letter or been called about this debt. I did not know it existed until I applied for an apartment and they brought it to my attention. When I called National Credit Services to explain I have never in six years been made aware of this debt I was told by a XXXX XXXX that my only option was to pay. I fully dispute this debt, as it was for an early termination fee that I was made to understand would be collected from my initial deposit on the apartment that sent this debt to collection. Because it has been six years, I no longer have paperwork regarding that apartment and the apartment no longer exists, as it was bought out by new management years ago. So I am not able to see if the apartment still has records on file. XXXX XXXX also told me I can not dispute the debt and when I asked for written verification of the debt, he said it would take three weeks to send it out to me. Under law, I believe they have five days to do so. I would like to dispute this debt, but the rep from National Credit Systems in XXXX GA refused to give me information besides repeating the amount and name of the apartment. I am also unsure if this debt can legally be collected because of how old it is. When I asked him if it had reached the statute of limitations time limit, he said he did n't know what that was. He puts me on hold for XXXX min in order to avoid my call and I have still never received a letter or call from them.
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| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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Subject : Request for Deletion of Collection Account Pursuant to FCRA I am writing to bring to your attention a matter regarding a collection account that appears on my credit report. I have previously requested verification of this debt from the collection agency responsible, NATLCRSYS, in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s-2 ( b ) ( 1 ).
Despite my request, NATLCRSYS has failed to provide any verification of this debt or respond to my inquiries within the required time frame under the FCRA. As a result, I am formally requesting the immediate deletion of the collection account associated with Account # XXXX from my credit report.
Under the FCRA, a collection agency is obligated to verify the accuracy of a debt when a consumer disputes it. Failure to do so within 30 days constitutes a violation of the FCRA. NATLCRSYS has not met this obligation, and as such, the collection account should be removed from my credit report.
The details of the collection account in question are as follows : Collection Agency 's Name : NATLCRSYS Account XXXX Amount : {$3100.00} I am writing to express my serious concerns regarding the reporting of a debt on my credit report, which I believe has not been properly verified in accordance with the Fair Credit Reporting Act ( FCRA ) standards. This communication serves as my formal notice of intent to pursue legal action to address this matter.
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| 06/29/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX filed a collection against me through National Credit Systems. NCS claims they validated the debt but all the have a is what XXXX XXXX claims to be a bill in my name.
The issue lies in that XXXX is claiming I had late payments on rent and other fees that dont make sense and should not be under my name. I had a roommate at the time and each rent was paid individually, I have receipts of each payment I made each month so there should be XXXX claims about late payments. In addition, I was supposed to receive my security deposit which XXXX XXXX never returned.
Not to mention the XXXX tension of charging me a security and not my roommate when we both started our leases at the same time, we had the same income, she had either worse or just about the same level of credit score as me at the time. No co-signer and somehow I was charged a security deposit but she wasnt.
I want XXXX XXXX or National Credit Systems to prove where this debt is mine and where these claims are coming from or immediately delete this from my credit score. I have proof of each payment made each month as my lease was of $ XXXX each month and each month I paid in time or early.
Not to mention I also have documentation of receipts from this company of both my roommate and I submitting maintenance requests for a dishwasher that was overflowing in water and wasnt working for the first 4-6 months of us moving in and they did nothing to fix it.
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| 10/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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National Credit systems claims I have a debt from breaking a lease at an apartment I lived in in 2012. The amount that is being said I owe is over XXXX $ When I contact the credit company they can not tell me or show me in my lease where I am obligated to pay for rent even though I gave a 30 day written notice. I was under the impression that if I gave the apartments a 30 day notice that was all I had to do. The credit company can also not see where it says in the copy of the lease that they have obtained that I would be required to pay for these months. They have called and requested more information from the apartment company to no avail. After many conversations with a supervisor, i made a phone call to National Credit Systems to get more information today and requested I speak to the same supervisor I have been speaking to, however I was transferred to a representative. When I tried to stop the representative and tell him I was working with a supervisor he proceeded to scream in to the phone numerous times that " I was rude '' When finally in contact with the supervisor she stated to me that the information requested from the apartment complex was just to " do me a favor '' not because they needed the information to verify this was correct information. She then told me that I could call back after I receive a letter from the apartments. This information is not correct and is affecting my ability to purchase anything.
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| 08/02/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX XXXX XXXX has reported that I owe a debt of {$5900.00}. They have sent the debt to National Credit System collectors. I notified XXXXXXXX XXXX of my plans to move to XXXX Texas due to a new job which I started in XX/XX/2023. I closed on a house in that same month. I did not leave unpaid rental fees for the lease that was up in XXXX of XXXX. During the exit tour of the apartment the property manager, who is no longer employed at XXXX XXXX, gave me the ok that all was fine ; the apartment was not damaged, it was clean and I passed the exit tour with nothing due. I gave notice of intent not to renew my lease in plenty of time but it is noted here that I tried 7 times to meet with the management team to acknowledge the receipt of notice. I continue to have repeated unanswered communication with XXXX XXXX. I have had one returned cal from a district manager who said she would get back with me and I have not heard from her since. I have repeatedly requested an itemized list of charges from National Credit Assc and have received nothing.
I need help in getting this resolved. After hundreds of people left with unpaid rental charges after the pandemic and did not get docked for it- yet I get docked for keeping my rent paid, depleted my savings for doing so, then got a great new job... gave plenty of notice per my lease, left no unpaid charges... yet I am reported to the credit bureau for nearly {$6000.00}.
I NEED HELP!!!!
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| 09/08/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I am reaching out for what I believe is an invalid debt on my credit report since the court hasn't authorized the debt as valid yet. This eviction was filed last XX/XX/2022 and we're still waiting on the court hearing date. Therefore, it is still an open case.
Additionally, this was garnered by a habitability issue and I best believe that the case will go in my favor. Please see attached files that support my side. However, I do understand that the case is still open and the outcome has not been determined yet.
I have reached out multiple times to XXXX, XXXX XXXX XXXX but they wouldn't consider. I have not receive a response from the National Credit System. How were they able to determine that the " Collection '' should be on my credit report when the Eviction case is still ongoing, we don't have a hearing date yet and no judge has ruled or decided on who should be responsible for the said collection. The apartment has inhabitable for months. I have submitted a counterclaim on XXXX XXXX that they actually owe me since I was not able to stay in the apartment that I was renting out because it was inhabitable due to raw sewage seeping through the ceiling. I had to pay for hotel stays, etc. for me to be able to stay in a safe and comfortable place.
I just dont believe its fair that it is already reflected in my credit report, affecting my credit score when the case is still open and we dont even have a hearing date.
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| 10/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called XXXX XXXX in XXXX Texas. The apartments went to court in XX/XX/XXXX with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National XXXX System almost XXXX without even seeing the agreement that was made between them and my departments. I have requested several times for them to show proof that they are a legitimate company including XXXX lettters in the mail. I have asked for the documents that were sent to the company by my apartments on XX/XX/XXXX and I have still not recd anything. I need this company to refund me all my money back unless they can prove to me that they are legally able to take this money from me. I need this company to be notified so that they take this debt off of me or they will be sued. Attached with this complaint is the letter I recvd for the balance I owed for my apartment which was XXXX. I paid off about XXXX dollars of that and with the XXXX I have paid these apartments, that balance should have been paifd off a long time ago. I am being scammed and I refused to pay them any more money until I get this remaining balance removed from my acct.
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| 01/13/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer and therefore a 2nd letter was sent at this time. Partial verification was received however the documents were incomplete and incorrect ; forms did not include a payment and delinquency history, lease agreement was not in its entirety and amounts owed per the lease agreement do not add up to what is on the ledger, the ledger does not include credit for pet deposits and the apartment number listed is not correct and reports that the apartment was carpeted when the unit did not have any carpets whatsoever. After receiving the partial verification the agency was contacted via phone call on 3 different occasions and 3 different escalations however no corrections have been made. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
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| 06/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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National Credit System failed to informed me and provided valuable information about the debt they are claiming I owe. The source of the issue never been communicated to them, I am actually about to sue my leasing office for not informing me about the issue and issuing my information to NCS without sending me a formal letter. NCS failed to inform me of the situation and started reporting to credit bureau without even contacting me. No email, no certified mail was sent to me. I contacted them in several occasion to have them send me mails with clear explanation of the money thy said I owe them but never nobody ever sent me any explanation. They started reporting on me in XXXX without contacting and first time they contacted me was in end of XXXX. How can you send my information to credit bureau without even calling me and sending me certified mails to explain the situation?
They started reporting on XX/XX/XXXX, 25 days after i left my old apartment and for the little story I provided them with proof I was leaving the place 3 months prior i left, and the first time they contacted me was XX/XX/XXXX, with no mail, no explanation of what is going on, i request several time for them to send me a mail with all explanations they never delivered. This is a very first time i am having this issues, my rental history has been perfect therefore I am about to sue them pretty soon if this issue is not resolved as soon as possible.
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| 08/23/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I've repeatedly tried to dispute and resolve this issue with National Credit Systems as well as the credit bureaus. They are in violation of FCRA 15 usc 1681, furnishing and reporting inaccurate information on my reports. They're also misstating the balances. The documents that National Credit Systems sent me to attempt to verify the alleged debt owed from the original creditor is {$1600.00}, however NCS is furnishing a new balance of {$1600.00} showing 1 % of the debt was recently paid on all my credit reports. Again I have no account or business with this company or gave my permission or written consent to allow them to report anything. They have been in default with providing me ALL requested documents or documents producing my wet signature of agreeing to allow them to collect. They refused to provide agreement between the legal stand on this collection in SC with the original creditor. There has been no payment made at all that supports the false information and different balances. The credit bureaus as well as National Credit Systems are not upholding the law but instead are using deceptive measures to collect and furnish obsolete inaccurate information. Under the law this account should have been removed and not allowed to continue to be a defamation of my character. This should be removed immediately from all my reports. Failure to do so will force me to sue and take legal civil actions against all parties.
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| 03/09/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I was living at the XXXX XXXX apartment for a year I completed my lease and pay my rent on time and once my lease was up in XX/XX/XXXX I left. A year later in XX/XX/XXXX the outpost said that I had move out charges saying I owe them {$340.00}. A whole year of XXXX I don't hear anything from them. XX/XX/XXXX they sold my information to a collections agency, I contacted the manager about the situation and he said he doesn't have my information and I told him I wanted to dispute the move out charges he refuses to help and told me if I wanted to dispute any charges I had to contact the collection agency. I told them that they have a copy of my move out charges and he still refuses to help me. The situation that I'm going to 10 other former residents are going through the samething that I'm going through. They didn't notify me of the move out charges in XXXX when I moved out. The move out charges they put on me are bogus charges they literally made up move out charges to get some money from me. There was no trash in the common room or my bedroom and bathroom was cleaned the bathroom was old and out dated that's it looked like the way it was. I even showed my bathroom to the property manager when I was living there he did nothing about. I told both managers about the conditions of the apartment and the property manager admitted that the last person that lived was supposed to tell me about the conditions of the apartment.
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| 11/27/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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A prior rental I had in XXXX sued for non payment of rent. I had paid rent up for 6 months prior and during my 6 months of paid rent did not have hot water. I made numerous complaints to the office, XXXX XXXX XXXX department and code compliance between XXXX. They were sighted multiple times. Upon 6 months paid with no hot water and no signs of improvement I did not pay rent. The case was taken to court for non payment. I appealed the decision and on XX/XX/XXXX were were heard in XXXX XXXX by Judge XXXX XXXX who not only agreed with me but awarded judgement in a split favor. I would move but only be held responsible for a total amount of XXXX and {$770.00} from the appeal of rent during the safety of the paupers act. He advised the current landlord that would be the sum ( {$1100.00} ) of what she was able to collect. However she walked out of the court and threatened me that she would claim as close to {$10000.00} against my credit as she could. Which to date she has continued to attempt and hold my credit hostage for {$6600.00} I contacted the company multiple times and have disputed the information with no success. I was unable for several months in XXXX to even file a dispute against the company during Covid19.I have all my court documents including but not limited to the false documents she reported to the credit bureau after the case was legally closed out and judgement in the amount of {$1100.00} was granted.
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| 02/12/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This company never notified me of regarding the collection I had in their office, which is violation of the FDCPA. I reached out to them on a voluntary basis after speaking to the original creditor and being informed by them that my balance had been submitted to National Credit Systems. I have made numerous attempts to reach out to them in order to voluntarily setup a recurring semi monthly arrangement to resolve my balance. On all occasions I have spoken with XXXX. XXXX XXXX and she has been nothing but rude and inconsiderate. She has refused to accept payment from on 4 different occasions twice of which were on a recorded line. I did advise her that the line was being recorded and expressed that I would like to set an arrangement to resolve my balance however I could not afford the amounts being offered by her. XXXX. XXXX used very aggressive and intimidating tactics in attempts to collect the balance from. She even went as far as to deadline and say that if I didnt pay my balance by XX/XX/XXXX that they would be placing it on my credit report. I question as to how this could be done when they have never even notified me of the balance being in their office and she advised that if I didnt pay by then the damage would be done. Again I know that I cant be deadline as to when this will be applied to my credit report or threaten by damaging my credit in order to coerce me to pay. This is yet another FDCPA violation.
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| 02/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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National Credit Systems , Inc. of N.C.
XXXX XXXX XXXX System XXXX XXXX XXXX, XXXX XXXX XXXX NC XXXX To : The Office of Registered Agent for National Credit Systems , Inc. of N.C.
From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX XXXX will forthwith and return transmit your written evidences of your delegated authority to represent '' that you and XXXX XXXX XXXXXXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX 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 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 the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
National Credit Systems , Inc. of N.C., has invaded my individual privacy under 15 U.SA 1692 A.
Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.
Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair Practices By : XXXX XXXX XXXX
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| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I am trying to resolve a debt that I do not owe. I moved into The XXXX apartments in XX/XX/XXXX. I never had any major issues with this apartment complex until I moved out in XX/XX/XXXX. I have not received my deposit that is due back to me. I am being wrongfully charged for carpet replacement for a pet I never owned. I am being billed {$230.00} for pet damages. The apartment complex has never seen me walking any animals. The apartment complex would also, not let me stay there without paying pet rent if they knew i had an animal. I NEVER owned any animals while living there and, still do not. I have tried multiple resources to try and get this issue resolved to no avail. This has been going on for almost a year. Ive filed a complaint with XXXX and the XXXX. I also sent the apartment complex a certified letter of my dispute of the charges due. There was also not a final walkthrough of the apartment at move out. I would not take so much time out of my schedule to dispute charges that are owed. I am not paying for damages that I did not cause. I have a proven track record that I pay all of my bills. I have never had anything go to collections or had debt collectors reaching out for payment. I have also reviewed the apartment complex XXXX reviews. I am not the only resident that has been charged for carpet replacement I would like to get this issued resolved and removed as this is negatively affecting my credit.
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| 04/03/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Around XX/XX/XXXX, National Credit Systems was hired by XXXX XXXX XXXX in XXXX Arizona to collect a debt that I do not owe. Neither one of the firms ever contacted me about this false debt, so that I could dispute validity ( which I found out is a blatant violation of the Fair Debt Collections Act ). The way that I happened to find out about this debt was by getting an alert from XXXX XXXX. Upon this alert, I promptly disputed the debts with the Credit Bureaus ( I was victim of Identity Theft last year and therefore I have Fraud Alerts with the Credit Bureaus ). I have also contacted National Credit Systems by phone in XX/XX/XXXX. They could not verify my personal information in this phone call. I told them this debt needs to be removed, because this debt is not mine. I assumed this matter would be resolved. But to my dismay, I got the Credit Disputes back from the Bureaus, and National Credit said they confirmed the debt was mine? I made another phone call to National Credit today. They are still refusing to provide me with any proof of this debt or demand for payment. As a note, I did find out today that this alleged debt was may be my son 's debt who has a similar name to mine. However, this Collection Agent refused to acknowledge the facts as presented and provide me proof. Also, I have left several messages with the Creditor XXXX XXXX XXXX, but they have not returned my phone call. Thanks for your help.
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| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Ive been dealing with XXXX XXXX XXXX, identity abuse and abuse towards my credit report from XXXXXXXX XXXX XXXXXXXX XXXX
As of, XX/XX/XXXX, Ive been going back and forth with the company via emails ( XXXX, XXXX ) and phone calls on several occasions : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX regarding my security deposit ( {$1100.00} ), in which has not been returned to date. I became a victim of XXXX XXXX on XX/XX/XXXX and within XXXX XXXX I was asked to vacate my dwelling due to the XXXX. Ive filed reports with XXXX on XX/XX/XXXX on this matter, and the XXXX XXXX XXXX on XX/XX/XXXX. The Property Manager XXXX responded to XXXX on 3 different occasions and never stated a balance was owed ( which is false ), she advised the XXXX that I couldnt receive my security deposit because the lease wasnt met ( my 1 year lease was met as of XX/XX/XXXX and I never signed a new one ). Then all of a sudden I get a Letter dated XX/XX/XXXX stating a debt is owed ( {$1200.00} ) to the apartments and threatening that my credit will be damaged. This Business has caused a great amount of stress in me and my children lives and still damaging my name by reporting inaccurate information on my report. The Attorney General has yet to follow up and Ive sent them follow up emails on XX/XX/XXXX and XX/XX/XXXX. I have all necessary documents and all will be attached below. Not once did the Business state a debt was owed.
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| 01/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I went to apply for an apartment and was denied due to my credit. I checked my credit online and discovered that I had a collections on it from NATIONAL CREDIT SYSTEM for {$8300.00} that was opened on XX/XX/2019 on behalf of XXXX XXXX XXXX XXXX. I called to inquire and was told that this was for an apartment complex and that I owed the money for rent. I never lived at this apartment and have no knowledge of this debt. I provided proof to the apartment complex that I did not live there by providing them with payment history from the apartment where I did actually reside during that time period. I have a perfect payment history with all of the apartment complexes that I have resided at. I do not know where this debt came from. The apartment complex said they could not help me as the debt had been turned over to a collections ageny ( National Credit System ) I subsequently sent a certified letter to National Credit System asking for proof that I owed this debt and also sent them proof of where I was residing during that time period informing them that this was not my debt. It is my understanding that by law, they have to provide proof that I owe the money. They have not responded to my request and it has been nearly 60 days. I also tried to dispute this on my credit with each of the 3 credit bureaus but so far only XXXX has removed the collection. I need to get this off my credit and am hoping you can help!
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| 01/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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Yes, I tried to talk with company the issue the debt. By phone and we discussed their issue, then I was sent by email a final billing statement. Over the phone she informed me of what the debt in detail. Its utility and carpet cleaning. an all comes up to XXXX {$XXXX} ) Now carpet cleaning u suppose get free cleaning once a year. Not only that I got pics of how carpet was left I carpet cleaned it and my pics shows it.
XXXX ) My rent is XXXX $ plus utilities. Every month we go to a website that tells us how for that month.
Example of monthly rent XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $ this was paid to XXXX XXXX XXXX XXXX ( not late ) During the phone call with XXXX XXXX XXXX XXXX I said I clean carpet and I will send pics - XXXX XXXX XXXXXXXX XXXX blocked any info I tried to send.
They always go after credit even if you pay on time. This amount is when I moved and XXXX months after that was already excluded in rent One received one utilities statement when we moved in I was not given one show the amounts asking for.
The debt collectors XXXX to report to creditors. If I dont owe the debt why would I talk to the debt collectors national credit system, inc . Debt collectors just want money they cant resolve issue.
So when move-in it was prorated and had to moved in the middle of the month too so I was going to send that same amount XXXX $ anything else is fraud already paid during the year.
|
| 11/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Dept Collector says I owe money to XXXX XXXX and I don't owe them any money and I am in month to month lease and they told me that if you want to move out just to let them know before 30 days and I called them and it was during COVID and XXXX village apartments and told them a head of time like 40 days before I leave I am not going to stay there no more and I will be moving out and I have been paying them on time and the before I dropped my last check I called them and told them as well I will jot be leaving from next month and they advised me they are not working from the office and told me to drop the keys in the mail room when I leave and I will be fine and like after few month i called them to get my security deposit back and new people were their and they were like you owe us money and I didn't the rent for few months with is false and they were saying if you don't pay us money we will send you to Dept collector and after few month I see, u credit report went down and I can see I woe XXXX village money which is wrong and is a false statement I paid and informed them a month ahead before I leave. I followed their instruction as they told me on the phone and they told I will be fine and not to worry about it and they messed me up so bad. Please I want to remove this from my credit report. I do not owe them any money this is false. Please help me with this.
XXXX XXXX XXXX {$9700.00} XX/XX/2021 2021
|
| 12/12/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Below is a letter that I wrote to the collection agency after they provided less than satisfactory, inaccurate and unreferenced verification of debt through the XXXX XXXX after I filed a complaint " I am writing to dispute the validity of the debt referenced in your correspondence dated XX/XX/XXXX. Upon receipt of your validation of debt through the XXXX XXXX I found the information provided to be inaccurate and in violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
1. The original contract from the creditor XXXX XXXX XXXX XXXX The lease that you uploaded to the portal had expired XX/XX/XXXX, the debt that you are trying to collect from me opened on XXXX and claims that I moved out on XXXX I cant be responsible for a debt from a lease that had already been paid in full and expired 2 months prior.
2. My liability for the {$4200.00} debt. The itemized statement that you uploaded does not have my authorization anywhere on it, I'm not aware of any of the charges on it and I never had an account with the account XXXX XXXX with the original creditor. In addition to this the charges on the itemized statements have no basis. {$2500.00} in charges are referenced as other & the remaining additional charges have no reference as well.
3. Also the address that the collection agency provided to credit bureaus is inaccurate resulting in 3 letters to address my issues being returned.
|
| 05/20/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, nv XXXX XX/XX/2023 Dear XXXX.
I XXXX XXXX Consumer and natural person, am aware of all my rights which are protected by congress under the Fair Credit Reporting Act ( FCRA ).
The list of accounts listed below have violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1. account name- portfolio 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.
15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions.
delete this account immediately, unless you want to be held accountable {$1000.00} per violation.
2. account name- national credit systems. account # - XXXX 15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.
15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions.
delete this account immediately, unless you want to be held accountable {$1000.00} per violation.
3. account nameXXXX.
15U.S.C. 1681 SECTION 602 -states that I have a right to privacy.
15 U.S.C 1681 SECTION 604A SECTION 2 -ALSO STATES a consumer reporting agency can not furnish an account without my written instructions.
delete this account immediately, unless you want to be held accountable {$1000.00} per violation.
Most Sincerely, XXXX XXXX
|
| 07/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX, I XXXX XXXX XXXX moved from a " XXXX XXXX '' managed low income apartment to another low income county managed " XXXX XXXX '' property. There was a case manager helping me pay fees and handle paperwork between both properties with full communication and address disclosure with forwarding information.
Months later XX/XX/XXXX, after my move, I received a collections notice for {$55.00} for move-out fees from " XXXX XXXX ''. The past due collections amount was due immediately to " National Credit Systems , Inc. '' I was fully reachable at the time of the move, and to pay the move-out amount due. At any time, XXXX XXXX could have reached through my case worker or at my new forwarding addresses. I had given them the address with my 30 day written notice of intention to vacate.
I believe this was done out of negligence, and or fraud by both XXXX XXXX and the collections company involved. Getting any information or help from either of them was impossible.
These actions did affect my credit and today, XX/XX/XXXX, I paid the full balance of {$55.00} online and will be watching to see if it clears my credit report.
Additionally, my case worker and I made attempts to contact XXXX XXXX only to be told the property manager couldn't handle it anymore, to call corporate, then told that I'd never provided a forwarding address causing them to have to send it to collections. That is all false!!!
|
| 06/14/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I moved into XXXX XXXX XXXX managed by XXXX XXXX XXXX XXXX in XX/XX/2019. An incident occurred at my apartment with a guest and I was asked to move out the apartment complex. I was there 30 days exact. I was told that if I just left that I wouldnt owe anything and that they wouldnt file for eviction. I moved and didnt hear from them. I called to inquire about my security deposit and they told me I should receive something by mail to the address I provided. I didnt hear from them for months. One day I go to check my credit and it says I owed a debt to XXXX XXXX. I hadnt received anything saying I owed anything and being I moved out of the apartment I shouldnt have owed them money. They charged me for a month and a half rent I didnt occupy the apartment they charged me for carpet cleaning to undamaged carpet they took back a special they provided to me at move in and they also charged me to remove a dresser I left and said they would move it at no cost. I never re wives notice of any of this until I called the collection agency they sent the debt to. I called national credit systems numerous times and was never able to get any information from XXXX XXXX which was the woman assigned to my case. After not getting anyway I contacted legal aid to step in to help me. I havent got any help to solve this matter or settle it. I feel this management company is trying to get me out of money I do not owe to them.
|
| 07/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Reference : XXXX My friend and I wanted to move into an apartment. We called up the XXXX at XXXX at XXXX XXXX and were told that we could fill out an application that would cost us XXXX $ each. My friend and I filled out our applications and paid the fee, which can be proven by submitting our bank statement. No apartments were available but we were shown XXXX that had recently been vacated and would be available, after cleaning and repairs, at the end of the month. We were told that we would not be getting the apartment, we were just shown the apartment so we could see what the layout was. The XXXX told us that we would be contacted if something became available, in the meantime our application would be processed. At no time were any other fees mentioned, nor was any paperwork given stating that any other fees, except for the already paid application fee, were due. We were turned down because of my friend 's credit report.
I received a notice from National Credit Systems in XXXX stating that I owed XXXX at XXXX XXXX {$240.00}. The letter did not state why I owed money. When I attempted to contact XXXX at XXXX XXXX, the number we had for the XXXX was disconnected.
I am therefore disputing this bill as I have no idea what the charges are for, and certainly know that, other than the XXXX $ application fee, I am not responsible for any fees.
Thank you for your kind attention to this matter, XXXX XXXX
|
| 04/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I lived in this property for two years never late always on time with my rent. Moved out XXXX XXXX, 2015 and they told me i owe {$1900.00} for cleaning and damages in my apartment. The collection agency has called harassing me about this amount making threats numerous of times. I have written letters to both the agency and the original accuser. Not once did they provide me with an itemized list of the cost of these exact charges from cleaning services as requested in writing. They have came up with a made up amount trying to charge me because i did not renew my lease with them. They took my security deposit and that should have been enough for any cleaning charges etc. I do not owe this property any funds and they are making up amounts with no proof of damages cleaning that had to be done but giving me plenty of threats. I have XXXX witness that helped me moved that can vouch for me that this apt was left best cleaned. Prior to leaving i have had many issues with my tub not working lights going out refrig not being fix etc and i once did not complain about the neglect i received here, but then get a bogus charged and spoken to rudely like i did n't full fill a lease or something. I believe because i was young and single mother they were trying to get over on me. Especially with raising my rent every year and not my Neighbors. They will manipulate you into renewing a lease with them any way possible.
|
| 11/23/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/XXXX, I was notified by XXXX, the credit reporting agency that a collection account was added to my file. Upon review of the information, National Credit Systems posted a collection account in the amount of {$500.00} via the original creditor, XXXX XXXX XXXX XXXX Further research revealed XXXX XXXX XXXX XXXX was the insurance bond my husband and I purchased when we rented an apartment at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NV XXXX from XX/XX/XXXX to XX/XX/XXXX. When we moved out of our apartments on XXXX XXXX, I was informed today XX/XX/XXXX that XXXX XXXX billed XXXX directly for painting, cleaning, and carpet cleaning fees totaling {$300.00}. We provided all our phone numbers, email, and forwarding addresses to XXXX XXXX when we left. We also have mail forwarding set up. From XX/XX/XXXX until now, we never received any type of correspondence from XXXX or XXXX XXXX regarding such cleaning fees. XXXX did not try to reach out to me or my husband to try and collect the debt and decided to send us to collections which ultimately affected our credit we strive to work hard for. Additionally, XXXX is an all digital company for which you will not be able to speak to someone live to discuss the issue as we have tried to contact them via phone or email at XXXX and XXXX. Since we are unable to talk to anyone, we are unable to remove the negative information from our credit report
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Debt Collector National Credit Systems ( NCS ) claimed that I owed an Apartment Complex in XXXX TN rent without providing any supporting documents. XXXX also reported to the XXXX Credit Agencies about this faulty debt collection account, which caused major damage to my credit score. I called XXXX and told them that I never lived in that apartment because I have been living in CA. I sent out a debt validation letter to XXXX on XX/XX/2022 asking for supporting docs and how the debt is tied to me. XX/XX/2022 I received response via mail from XXXX. The supporting docs they have is a copy of lease agreement. I read through the lease agreement and did not find any ID or SSN that was pointed to me. The tenant used my name and initials. The signature was e-signature instead of handwriting signature. This is not sufficient to claim that I owe the debt. XXXX should have done a thorough investigation before they claim debt and report to my credit account to ruin my credit score.
To summarize, without sufficient evidence, this company tries to collect debt and ruin people 's credit. Based on some e-signature, they turn me an innocent people into a victim and a debt owner. This is ridiculous. Anyone could use someone else 's name and forge the e-signature to get a lease. Is it enough to collect debt from people who use the same name? No.
I have reported ID theft to the police office ( case card attached ).
|
| 05/28/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company ignored FDCPA procedures for debt collection and improperly reported this to CRA 's without ever attempting to validate the debt. Rather, an " investigation '' did not begin until after this account was placed on my husband and I 's credit reports.
I received a notices from the company, giving me 30 days to dispute the validity of the debt. I immediately responded, in writing, in correspondence received by the company XX/XX/2019. My response to them clearly outlined the amount of the debt I was disputing, which I'd already discussed with the original creditor, and requested an updated statement reflecting the actual amount owed so that payment could be remitted.
Instead of a response, I received adverse action on my account. It was until I reached out by phone that I received this. As my husband 's employer was always paying the lease breaking fee, making payment itself was never a concern, however the amount needed to be corrected. The company ignored this request and reported the account to CRA 's before validating in violation of FDCPA.
As they were notified in writing within 30 days of the original notice, their job was to cease collection activities while this dispute was investigated, and as such, should not have reported to credit report agencies until that was completed. As a litigious consumer, I am well within my rights to now file suit for this violation of my rights.
|
| 12/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I recently received a copy of my credit report ( XXXX and XXXX ) and after reviewing it I found questionable items listed by National Credit Systems. In the past, I have asked that National Credit Systems send me copies of the documents that they have in their files that are used to verify the accuracy of the accounts listed ( XXXX ). No one has ever answered my request.
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that National Credit Systems disclose to me all of the documents that they have in their possession that is concerning the accounts that are being reported in my credit report. Instead of providing me with the documentation, National Credit Systems insists that the account has been verified. However, the company continues to fail to provide me with this very documentation.
If there is no documentation in your files to verify the accuracy of the account XXXX, then please delete them immediately as required under XXXX By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties, National Credit Systems is damaging my reputation and credit worthiness.
Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if they are unable to provide me with a copy of the verifiable proof that is on file for the account listed, then said account must be removed from my credit report.
|
| 03/15/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 I reviewed my credit reports with all three credit bureaus and noticed a collection from a company by the name of National Credit Systems , Inc . I wrote them a letter on XX/XX/2021 requesting for " Validation '' of the alleged collection. I never received a response. I then wrote another letter dated XX/XX/2021 and sent this letter via Certified Mail. ( see attached proof ) I still recevied no response. I wrote a third ( 3rd ) letter dated XX/XX/2021, mailed via certified ( see attached proof ). I received a simple letter from National Credit Systems Inc dated XX/XX/2021 with no documentation for validation, only a " Identity theft Victim 's Complaint and Affidavit. ' As I reviewed this letter and the attachments sent I notice that they did not have my correct name.
I then wrote to them again on XX/XX/2021 informing them that what they sent as " validation '' of a debt was insufficent as well as letting them know that the name addressed on the letter was not me ; mailed via Certified Mail. ( see attached proof ) On XX/XX/2021, National Credit Systems , Inc. mailed me the exact same letter as they did on XX/XX/2021 with the same documentation for me to complete. I have never received anything from them " proving '' what they have reported under my name and social security actually belongs to me. I can not identify this debt, who they are and why they feel that I owe them anything.
|
| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
National Credit Systems are reporting inaccurate information on my credit report and it is hurting my score, not only that it is hurting my reputation with my employer and financial obligations. This item that is being reported shouldnt be as a payment was sent to the original creditor in XXXX of 2022 in the amount of {$3300.00}. The original creditor sent the payment back and refused to apply the moneys owed. I spoke with the GM of XXXX XXXX and was advised that they would revise the return of the payment and apply it to the balance owed. The money was sent from XXXX XXXX XXXX XXXX it was for rental assistance, in which the company was obligated to apply. I thought this issue was handled until I started to receive multiple calls and voicemails a day from National Credit. They had repeatedly contacted me more than 3 times a day and leaving voicemails each time, in which is a violation of my consumer rights. This matter needs to be handled immediately, as I am not able to find a house because this inaccurate information is reporting on my credit report. I am also unable to accept a promotion at my job, which would greatly help my financial status because this inaccurate information being reported. As a payment has already been sent to the original creditor. If this isnt resolved immediately I will seek and obtain legal representation, and take both National Credit Systems and XXXX XXXX to court.
|
| 10/16/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
The debt collection company name National Credit Systems has failed to provide any proof that i lawfully owe the debt in question nor any letters in writting stating who they represent. I have requested in writting as well as verbally and through the XXXX for such information. On each time that i have spoken to this company on their recorded calls i have stated i am willing to pay a debt i owe once i receive written documentation. Every time i have called they have said on multiple circumstances that they have already sent the requested documentation wereas since XXXX i still have not received this documentation. In the most recent response through the XXXX they stated " they were in the process of obtaining the verification and mailing it to consuner ''. Im quite baffled how after multiple statements on their recorded calls they stated they have already mailed out such coorespondence but now after taking matters further have to locate such verification. I have reached out to the origional creditor as well during this process to obtain any information regaurding account wereas it was told to me that they were bought out by a new management company and no longer have prior records. I have been attempting to resolve this debt but I as a consumer do not feel sending money to an unidentified company to a XXXX XXXX in another state without supporting documentation is unlawful under any circumstances.
|
| 12/13/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was contacted by a company named National Credit System. They explained that they reported a collection on my credit report because I owed a debt to a property named The Strand, in XXXX, Fl, that I previously resided at, and that I now owed National Credit System a sum of {$330.00} due to me submitting my 60 days notice of not renewing my lease, in less than 60 days of me leaving.
I then reached out to The Strand due to me not having knowledge of this sum being outstanding via email, on XX/XX/. The Strand did their research and corrected the amount due to actually {$220.00} via email communication XX/XX/, and directed me to pay them directly via certified funds, i.e. Money Order or Cashier 's Check ( I have physical copies of each communication between myself and the Strand property ).
Since then I have placed in numerous disputes with the specific collections amount via XXXX, and each time National Credit System has argued that I owe them directly and that my credit report will reflect this due amount. During these disputes, I had given National Credit System ample amount of time for them research this dispute and contact The Strand to rectify their records but National Credit System has sought to continue to report erroneous and inaccurate information onto my credit report, as an act of fraudulent extortion. This has effected my credit score negatively and causing me to lose XXXX points.
|
| 03/31/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I rented from XXXX XXXX XXXX XXXX beginning Im XXXX of 2016. I paid XXXX, the property manager, two checks before moving in. One was my deposit and first months rent. And the second was the remaining rent for Term of the lease bc I had just received a large sum of funds and wanted to pay in full. She accepted and cashed the checks. Numerous issues evolved. Including maintenance never fixing our AC. I had a XXXX XXXX old baby at the time who could have died. The foundatiOn of the home was sinking. There were horrible issues. So the company agreed to give me my deposit back and money id already paid bc of their negligence. Well I moved and never received anything from them at my forwarding address. I called many times to no avail. Then over a year later I notice on my credit report that a debt collections agency reported I owed almost {$6000.00} to XXXX XXXX. First off I have no clue who XXXX XXXX is. Second I was never contacted by XXXX or the collection agency. Third they waited a year to falsify information to not have to pay me. This is awful. And needs to be rectified. They told a judge that Id never ever paid them any money. No deposit. No rent. Nothing. Now we all know thats not true bc you can not move in without deposit and rent. Plus my mother was wiTh me when I handed them thoUsands and paid up from. Falsifying court documentation is a felony. What they have done to me is as well.
|
| 10/08/2021 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I received a call XX/XX/XXXX from NCS I answered and the gentlemen proceed with his lines. I explained that I did not have any idea what he was speaking of he got loud so I hung up. The person called back two more times back to back and left voice mails about the same thing. I called the company and asked to speak to a manager and was told that they did not have one they would have someone call me back. I contacted the company they spoke of XXXX that they said I had a balance with. It has been a year and a half and this debt was never sent to me and the company I contacted about the balance stated they must have started working the file. I left my forwarding address when I vacated the property if it was a balance they never sent me a bill in reference to the balance. I was informed when I called XX/XX/XXXX that they could send me a ledger with the information on it. My concern is that the collection company has poor business practices why would you call me at XXXX the first call and I spoke with you. This man proceeds to call back at XXXX and XXXX and leave a voice mail both times. Had XXXX told me of the balance in XXXX it would have been paid here it is XXXX and I get a collection call that is poor business practice on behalf of XXXX as well and apparently I was not the only person that NCS called per the person I spoke with at the XXXX.
Companies XXXX XXXX and National Credit Systems
|
| 11/19/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
There was an apartment I applied for called XXXX XXXX on XX/XX/2023. I paid my application fee and my move in date would have been within that same week. I never heard back from the company. I called a few times but no one ever answered the phone. When I finally got a break from my work schedule I stopped by there was someone in the office but they just sat there. No one came to open the door. So I left a XXXX review. A property manager responded. She said I was denied because they couldnt collect the application fee but I have proof it was take from my account. So as I was looking through my spam folder I see a email from National Credit Management. So a PDF read that I owed fees for an apartment that I dont leave at and never signed a lease and the reason for denial was fraudulent information which is complete defamation of my character and false. The information they submitted to National Credit Management contradicts the email correspondence. They are trying to collect a fraudulent debt. The management is upset about the honest review I made on XXXX. The email management sent said I was denied because of my application fee or NSF. I will be seeking legal action. They made a invoice with a fraudulent reason to try and justify the amount they are trying to collect. But XXXXXXXX apartment manager lied. I told them I was not interested in living there do to there lack of communication.
|
| 01/19/2018 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
A debt in the amount of {$3000.00} from National Credit Systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company [ National Credit Systems ] by mail to ask for validation for this debt and the accuracy of the amount. I received a response back on XX/XX/XXXX. The company replied by sending the transaction history and the initial lease. ( see attached ). The initial lease was dated XX/XX/XXXX to XX/XX/XXXX ( Dates are wrong on the lease also ) I am being billed a termination fee of {$1100.00}. My move out date was XX/XX/XXXX. Before I moved I notified the then Manager of the property ( XXXX XXXX ) of my intention to vacate the property well within the 30 day in advance time frame so as to avoid the termination fee as per their agreement I was on a month to month basis since no lease renewal had been signed after the original lease. I have also spoke with the apartment complex to verify this amount as inaccurate but they have since changed management.I have made several attempts with the new leasing office to obtain verification of the amount and have been unsuccessful as all I am told is they are under new management I have also disputed this with the Credit Bureaus and National Credit System confirmed the debt as accurate.National Credit Systems did not contact me regarding this debt before placing it on my reports.
|
| 08/18/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
National Credit Systems , Inc. ( NCS ) is collecting an alleged debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ). XXXX was the landlord on a rental property to which I was a lessee. XXXX claims that I owe {$420.00}. This amount consists of a {$730.00} Notice to Vacate charge and {$370.00} in maintenance/cleaning charges, less the amount from my security deposit of {$680.00}, which XXXX has kept.
I have sent several responses to NCS demonstrating that the {$730.00} charge was improper and not owed to XXXX because their tenants did not vacate early and they paid rent through the end of the lease term. The lease states that this charge is not owed " if you are moving out on the Lease term ending date, '' which is when the tenants moved out. The tenants also properly executed a " Notice to Vacate '' and filed it with XXXX.
I further challenged the {$370.00} in maintenance/cleaning charges, requesting backup to prove that all of the claimed charges were necessary and were actually incurred by XXXX.
Even if XXXX can substantiate the {$370.00} in maintenance/cleaning charges, XXXX still owes me a REFUND of {$300.00} for the improperly assessed Notice to Vacate charge of {$730.00}.
Despite my timely communications with NCS, they have failed to address my dispute of XXXX 's claim and have reported this debt to collection agencies, thereby improperly and unfairly harming my credit score.
|
| 10/29/2023 |
Yes |
- Debt collection
- Telecommunications debt
|
- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
|
|
Web |
|
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To Consumer Finance, I'm seeking assistance regarding a dispute over an outstanding rental debt, which I believe is unwarranted. I'd like to provide you with a brief overview of the situation : 1. I submitted a property inspection report and lodged a formal complaint in which I expressed my decision not to pay the last month 's rent. This was primarily due to a lack of maintenance and the exorbitant cost of rent, which I considered unjustified.
2. I'd like to emphasize that my job required me to relocate from XXXX to XXXX. Consequently, I officially moved to Texas and was not a resident of Georgia during the two months for which I'm being asked to pay rent.
3. I returned the keys to the property, conducted a peaceful move-out, and left the property in the same condition as when I first moved in, with no damage.
4. Despite my multiple attempts to communicate and address my concerns, the property management company chose not to respond or engage in any dialogue regarding the issues I raised.
I'm seeking your assistance to evaluate the legitimacy of the rental debt I'm currently being asked to pay. I firmly believe that the debt is unjust, given the circumstances outlined above. Any guidance or support you can offer in resolving this matter would be greatly appreciated.
Thank you for your attention to this issue, and I eagerly await your response.
Sincerely, XXXX XXXX XXXX
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| 05/11/2023 |
Yes |
- Debt collection
- I do not know
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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I had been receiving multiple calls and letters from National Credit Systems from their representative XXXX XXXX XXXX regarding a debt I do not recognize at all. I could see from the letters that it was for the amount of {$340.00} originally due to XXXX XXXX, a company whom I also don't recognize. Apparently, according to the letters sent to me, this debt was due XX/XX/XXXX but it doesn't say what for, and until I got a call from collections, I never got a notice from anyone saying I owe them anything, they just let this debt go straight to collections and purposefully effect my consumers report. At first I ignored them because I was just annoyed, but then I saw they hit my credit report and never gave me fair notice, so I looked into how I can learn more about this debt. After searching online I came across several samples of a debt verification letter that I could send to them, and with that I could request a cease and desist for 30 days while I wait for verification. I included all the details I needed to in my letter - dated and sent XX/XX/XXXX. It is now XX/XX/XXXX and the same rep has attempted to call three times now, first on XX/XX/XXXX at XXXX, XX/XX/XXXX at XXXX, and earlier today at XXXX ) leaving a voicemail stating they are attempting to collect. I have yet to receive any verification and I don't want this effecting my credit anymore, I need something done about this.
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| 11/29/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a complaint from XXXX XXXX against National Credit Systems for National Credit 's failure to provide requested information for the debt alleged. National Credit Systems has been reporting two open accounts on consumers credit report that client does not recognize. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. On XX/XX/XXXX, National Credit Systems responded providing only original statements with no verification that they own the debt or that it was transferred to them. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
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| 06/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
Older American |
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I received notification on XXXX/XXXX/XXXX that there was a posting by a collection agency to my credit reports I checked and found it was National Credit Systems Inc.of XXXX, XXXX that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau, I have requested directly to National Credit Systems on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX & XXXX/XXXX/XXXX that they provide me proof that they sent a letter of notification informing me about this debt to XXXX XXXX, I also requested that they send me a validation of this debt with XXXX Apartments which all they ever provided was a copy of my lease with XXXX XXXX Apartments, I also requested that they send me proof that they are licensed to practice debt collection in the State XXXX pursuant to the XXXX Statues XXXX XXXX XXXX as required by the XXXX XXXX, I also requested that they send me proof that this account has not crossed the Statue of Limitations period XXXX XXXX which XXXX is 4 years from the date of the last payment date, which they failed to provide any of the preceding requests of proof. I would also like to point out that I checked with the XXXX and they do not have a corporation registered as National Credit Systems Inc.
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| 05/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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I was told by the leasing agent of an apartment complex that there would only be a {$600.00} penalty if I broke the one year lease. This would be paid by surrendering my security deposit which was {$600.00}. there was no mention of a Buy-Out Option Settlement agreement at the contracting phase. However, upon giving my thirty-day notice four month into the contract, I was asked to sign a settlement agreement for {$3100.00}. I lined-out that amount and wrote into the agreement the {$600.00} that I was quoted upon leasing the apartment. The apartment manager approved the agreement form as modified with her signature, and then took the {$600.00} deposit as payment. Two months later, however, I was contacted by a collection agency claiming that I owed the apartment complex {$3100.00}. I sent them the modified Buy-Out agreement for the {$600.00}, and the notice that the {$600.00} had been collect by the apartment manager. Since then, I have been constantly hounded and threatened by the collection agency for the last five months attempting to collect a much larger amount of {$6800.00}. I am now being threatened to have my good credit destroyed by placing this false delinquency with the three major credit bureaus. I 'm asking your agency to advocate for me in this matter so that my good credit will not be effect by a overzealous collection agency, and have the unjust harassment stopped.
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| 07/13/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have contact National Credit Systems on several occasions in regards to comments on all XXXX of my credit files that I want removed. After being told several times that someone would call me back I finally spoke with XXXX XXXX at ext XXXX today, XX/XX/XXXX who put her XXXX XXXX XXXX , who identified herself as a supervisor. When I explained to her that I have asked all XXXX credit bureaus to remove the comments " consumer disputes this information '' from my file since I am no longer disputing this debt and they informed me that every time they remove the comments National Credit Systems add the comments back on. XXXX XXXX XXXX informed me that the only way the would remove the comments is if I paid the debt. I told her I was no longer disputing it and want the comments removed, she again repeated that the only way they would remove the comments is if I paid the debt right now and did I have a credit card handy. I told her I was not paying this debt, but am no longer disputing it. That I 'm trying to obtain a mortgage and need the comments removed and since I was the one the initiated the dispute and am no longer disputing it, I am requesting that they stop put the comments back on when I have them removed, she told me that this is n't going to happen, and again the only way they would remove the comments is if I paid this debt in full right no.
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| 05/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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I moved into these apartments, named XXXX XXXX XXXX XXXX the moment I saw the apartment, I did not like them, but I was better living in a hotel. I told them that I will not renew my lease after at the end of my lease. The stove they had in there was nasty and it caught on fire when I was cleaning it. The apartment had rats, ( never seen one, but I seen the dropping they left ). At the end of my lease, I handed XXXX XXXX XXXX, the front door key, plus the mailbox key and the guard gate sticker, and I cleaned the apartment, I do say the only thing I left was a bookshelf in one of the bedrooms and then I moved out. I talked to the manager that was there at the time, to see if I owed them anything, she told me no because I am moving out and not renewing my lease, I also asked her about my deposit, she then told me that she will email me about the deposit. I give her my email address and a forwarding address as well. When I moved out in XXXX of XXXX to this day XX/XX/2023 I have not received any email or a letter stating that I owed XXXX XXXX XXXX anything . They also kept my deposit as well. I would like to have my deposit and have XXXX XXXX XXXX XXXX National Credit System off my credit report. They are hindering my score from going up plus hindering me from moving into another place to live. I have a video on my phone but I can't load it up on here, the file is too large.
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| 07/27/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have recently called National Credit Systems to dispute the validity of this debt that has somehow appeared on my credit without my written consent pursuant to 15 USC 1681b. They said they have contacted me multiple times by phone however, being that it was during business hours I could not have answered. I finally called them back after until them leaving me a voicemail. I have not received any written letter regarding this debt that is not mine from anyone or anybody. Being said on XX/XX/XXXX I received my most recent credit report, which had a new collection account from National Credit Systems, which I did not authorize and that violates my consumer rights according to 15 USC 1692c. National Credit Systems has failed to provide me any proof of a contract that has my wet/original signature with the said owed amount to them. I called National Credit Systems yesterday and spoke with XXXX to let them know of my actions of cease and desist, deletion of the collection account from their system, report this information of deletion to the consumer reporting agencies, and a check of {$3000.00} as settlement of violations to avoid legal action by the consumer to said debt collector. Being that if a debt collector can not prove said debt by written contract between said parties they are in violation of federal law. This is a complaint in addition to the demands made yesterday.
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| 04/28/2022 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Aside from being very poorly treated during my stay, In XXXX oXXXX XXXX my apartment unit at XXXX at XXXX XXXX flooded due to a dishwasher line busting that I was told I was not liable for. No one inspected the apartment after the flooding mold started arising in all areas of the unit. Sewer water was left sitting in my dishwasher that smelled terrible. A company was called out to dry the unit with big fans, they arrived hours later and unfortunately water had already been absorbed into the floor. The vinyl floor began lifting in result to the flooding and this was something that the apartment were well aware of.
I reached out numerous times in regards to the move out balance they claimed I left owing them more money after keeping the entire deposit. They also claimed I owed a balance at move out which I did not. I paid every cent I owed to them once the keys had been turned in. I asked for details and specifics on the poorly created invoice that was sent and received no phone call back. I also sent a detailed email in regards but No response from cooperate or the office manager falsifying these charges. I hired a legal shield representative that sent out letters to the apartment complex and no responses were ever received back. Now I am seeing the placed it on my credit report as well as to other places such as the housing authorities and this is not accurate or right.
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| 03/10/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I moved from XXXX XXXX XXXX located in XXXX, Louisiana, after being displaced from hurricanes Laura and Delta since XX/XX/XXXX, on XX/XX/XXXX. I received my deposit back from the office and actually left with a positive rent balance due to a rental assistance credit from XXXX XXXX in the amount totaling {$1300.00} that was for the months of XXXX, XXXX, XXXX and XX/XX/XXXX rental payments., but due to me returning to my hometown of XXXX XXXX XXXX Louisiana XXXX the office was suppose to return {$980.00} for XXXX, XXXX and XXXX since i was no longer residing there. I was not contacted by anyone after I left XXXX XXXX even though they had my cellphone number and forwarding address and I did not find out about a so called balance until I got a letter in XX/XX/XXXX from a debt collector stating I owed XXXX XXXX money although i got my deposit back. I tried calling for months with no success and finally borrowed my father 's vehicle a drove to XXXX on XX/XX/XXXX to confront whoever was now working in the office and found out that someone put a whole bunch of charges on my ledger in XX/XX/XXXX and the office staff didn't know what it was for and I didn't even live there anymore, so these so called charges are what got sent to collections. They also lied stating I moved out XXXX XXXX to and justify keeping part of the {$980.00} check but I have my XXXXl receipts from XX/XX/XXXX.
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| 07/11/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have attempted to contact the collection agency and the company that is claiming I owe this debt. I have even attempted to resolve this with the credit bureaus. XXXX XXXX XXXX/ XXXX XXXX is claiming that they evicted me from my apartment in XXXX 2013. They even filed an eviction against me and is being reported on XXXX XXXX. I have supplied them with proof ( my lease ) that I was not a resident of this apartment at the time they filed the eviction. I had moved out almost 3 months prior to this. I submitted proof of my notice to vacate, the email response to my notice, a rental and history verification where they acknowledged I turned in my notice. The proof they keep submitting is a auto generated bill statement where they applied charges that were not mine ( the base rent does n't match the base rent included on my signed lease ), including legal fees, and charges for damages. They claim the proof of these damages is a move-out condition sheet which the apartment number/address is missing, the resident 's name is missing, and the lease start date is incorrect. XXXX XXXX did submit my signed lease. A portion of it anyways and the lease does not match their so called supporting documents. This has cause me to loose out on being able to rent elsewhere and damaging to my credit. This has being ongoing trying to get this matter resolved. My next step will be legal actions.
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| 04/03/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I lived in Apartment XXXX for 2 years ... when my contract ended, I decided to move in apartment XXXX ... I paid all my dues to move in. After two weeks, I was a victim of XXXX. I could never get in touch with the manager so, I spoke to his secretary to find out what I needed to do to exit my lease because it was an unsafe place for me and my children. The secretary at the time was XXXX.. she called me back and said because I have n't live there long, I only had to pay XXXX . I paid the moneies. 3 months later after I left, the manager FINALY called me and told me I had to pay 2 more months of rent ... I explained to him that I was n't told that ... I asked if I could arrange a payment plan and he told me I could n't do it with him. He also told me I had to wait til the collection company contacted me! I asked why when I 'm trying to work out a plan with him! After he hung up, I tried calling him for TWO months to work out a payment arrangement. I found out later that they rented the property out to someone else. How can they rent it out and I 'm STILL liable for the payment! I ended up settling with the collection agency for XXXX $ but now I want my money back AND for the negative info to be deleted off my credit report! They would n't even give me a chance to pay it! I had to leave the city because of the XXXX situation so, phone was my only way of contact with them.
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| 12/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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On XXXX,2016 I received correspondence from this company stating a debt was owed. The letter is dated XXXX/XXXX/2016. The letter states it is attempting to collect a debt on behalf of XXXX XXXX but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than XXXX and I will be escalating to the XXXX and XXXX! For XXXX, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself is dated/mailed XXXX/XXXX/16 I was given less than 30 days to dispute or validate said debt. I was never given a final bill or breakdown as to the cause of this debt. On XXXX/XXXX/16 I sent an email stating I had no knowledge of this debt but if it could be verified I would be willing to set up a payment plan on reference to not having it placed on my report per the letter they sent me stating this as an option. However today I woke up and found that instead of a response to my email or allowing the allotted 30 days from contact to dispute they went ahead and placed this on my report anyways. I will be contacting an attorney if this is n't settled correctly. This is clear violation of rights! I have attached their letter, my email and my credit report reflecting the negative acct.
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| 04/22/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, National Credit System has not responded to my certified letter that was sent on XX/XX/XXXX. They continue to change the debt amount on my credit reports but have not replied back to my certified letter providing proof of the debt owed.
XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX Credit bureau XXXX to report that National XXXX XXXX XXXX added to XXXX XXXX XXXX XXXX and XXXX for the amount {$4800.00} sometime between XXXX ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - XXXXational Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System updated XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( increased by {$1.00} ) XXXX. XX/XX/XXXX - National Credit System was added to XXXX, XXXX, and XXXX for the amount {$4800.00} ( Decreased by {$1.00} )
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| 10/25/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Im a victim of identity fraud. I found this new collection account on my credit report.
Company name is National credit system. Someone stole my credential from a hotel back in XXXX. This social security was stamped with for work use only I became a U.S. citizen now with my new SSN and try to open a bank acct when they told me this Social security was already been used with XXXX XXXX Previous to this I did not have nothing under my records since my social was specify for work use only.
This account ( National credit system ) is recent since they reported under a different name on the mid of XXXX of XXXX.
Ive called the company and they refuse to tell me the name that the account was open under. But then also sent me a fraudulent letter via email.
The letter does not contain a form number nor a heading containing to Dispute report for the account.
I believe National credit systems tried to change the name on their account or intending to alter the name and address to the account. This is unlawful and refuse to answer my question.
I also filled out a FTC report which they have my information.
A copy of my identity verification will attached.
And a my credential information.
I will leave a copy of their un natural letter.
The amount was for XXXX $ I will leave this open for others to see how fraudulent companies can be and hopefully helps someone. Thank you
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| 11/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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After taking a look at my credit report and seeing accounts that I did not recognize, ( XX/XX/XXXX ) I sent a validation letter requesting for documentation that shows I owe National Credit Systems for the accounts listed on my credit report or to have the items removed entirely from my credit report as it is inaccurate and untrue ( received XXXX ). Evidence concluding such was included in that validation letter.
( XX/XX/XXXX ) I received a response from National Credit Systems that said that I have not provided enough information to validate or correct their records when I thought it was me who requested validation from them. Included within that letter, they have provided me with a lease contract between a former landlord and I. No information or documentation that shows that I have done any business with them and it is listed inaccurately on both of my credit reports. When I have requested them to be removed from all credit reports within 30 days, and a copy of the deletion with 5 days of the change. The last updates to the accounts were XX/XX/XXXX and I have yet to receive any notice of correction or deletion.
National Credit Systems has not only failed to delete the invalid and unverifiable information from my account within the 30 days of complaint receipt ( XX/XX/XXXX ), but they also are continuing to submit information that they know to be incorrect.
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| 10/01/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have disputed it numerous times because it is not my debt and after careful review of the documents that were provided, the amount that is allegedly owed is incorrect. According to the documents provided by National Credit Systems, there is a balance of {$300.00} due. The breakout of this balance is Online Admin Fee of {$150.00}, Online Appl Fee of {$50.00} and 2 {$50.00} NSF Fees. Per the documents provided, there was only one payment made on this account. How are there 2 NSF Fees? I have disputed this debt with all 3 credit bureaus. Both XXXX and XXXX have removed this account because the company was not able to validate the balance per the FCBA. The Fair Credit Billing Act is a federal law enacted to protect consumers from unfair billing practices, such as unauthorized charges, charges for unaccepted or undelivered goods and services and other disputed charges. I have also contacted the apartment complex and they have no record of me applying for an apartment or living there. I'm not sure how National Credit Systems is getting their information because the person that they claim to have validated the information with is not an employee of the apartment complex or company that this alleged debt is being collected for. I would appreciate it your assistance in this matter. This account has caused me to be billed double security deposits and I want it removed.
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| 02/15/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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In XX/XX/2018 I moved out of the apartment complex, " XXXX XXXX XXXX '' located at XXXX XXXX XXXX XXXX, XXXX, AZ XXXX.
The address I vacated was XXXX XXXX XXXX XXXX XXXX XXXX XXXX AZ XXXX.
The unit was referred to as XXXX with the unit being the letter XXXX not the number XXXX.
We gave our forwarding address to the management of XXXX XXXX XXXX so that they could contact us if there were any problems.
The management of XXXX XXXX XXXX never contacted any of the lease holders, XXXX XXXX, XXXX XXXX or myself XXXX XXXX XXXX.
Months later I received a collection call from a company asking me to pay for damages. Our apartment was not damaged, and the XXXX XXXX XXXX was and is on my Renter 's Insurance through XXXX as a interested party. The complex could have filed a claim through Renter 's Insurance if there was a legitimate damage. XXXX confirmed that no claim had ever taken place.
XXXX XXXX XXXX was non responsive to any attempts at communication.
XXXX XXXX XXXX and their agent in debt recovery never took correct action after the debt was disputed. They never showed any record or proof of damages only that they had a bill from a company. I never agreed to nor did I ever see the alleged damage. Furthermore I never received an opportunity to pay damages before the debt was reported on credit. The debt collection company refused to pull the debt from my credit.
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| 12/05/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I rent an apartment from XXXX XXXX XXXX XXXX XXXXXXXX, under a rental agreement for a year, XXXX days later from my residence at the apartment i sent an official email to the management company to breakup the lease with a 30 days notice and I asked for a clearance letter from them, after a month and after I payed off the entire balance, i spoke with the office manager to leave the apartment she came and checked the apartment and i left the keys with her, and i make to clear her if i owe more money she said nothing you are good to go and if you owe us anything you will see it online 6 month later I figured that the company transferred me to a collection agency and they reported me on the credit bureau without any further notice or a letter or a phone prior yo their action and when i spoke with them over the phone they said that they sent a letter to me to a wrong address, however the XXXX knows my residence address i made it clear to the them before i left that my mailing address based on my license and was mentioned on the lease at New Jersey, when i spoke recently with the management company of the company they said spoke with the collection agency they can not do anything and also they dont want to provide me with what they i owe to them which I figured from the collection agency {$890.00} which i paid what i owe before i left the complex via my bank account
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| 11/22/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Frequent or repeated calls
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Web |
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This company has been calling for quite some time. Usually XXXX-XXXX times a day harassing me, even calling from blocked numbers or different numbers. Usually the calls would start around XXXX and end around XXXX central time. They have threatened me to sue and have told me they will charge 20-30 % interest. I 've lost my cool and told them off multiple of times to leave me alone. I will not pay a debit that 's outrageously false. Yes I believe I owe the debit but there were fees that were false. The apartment charged me a clean up fee and some other outrageous fees. I had XXXX pieces of furniture, I was never home and I 'm clean. So no way there should have been a clean up fee. Anyhow, these debit collectors keep calling harassing me about the bill and I was willing to negotiate what I believe is owed. Ive told them to leave me alone if they were unwilling to negotiate and continued to threaten me. I 'd hang up and they would call back like 5 mins later if that! Not to mention they one day decide to call me and say I owe interest like oh hey.. the extra is for 8 month interest???? Why did n't they call me 8 months ago? How is this even legal!???? I believe I should pay what 's owed not what they think I owe ... ever since then I 've blocked a lot of there numbers ... I ca n't talk to people who try to pressure you to pay XXXX dollars for something less than 2k
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| 09/28/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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on XX/XX/2022 I disputed National Credit SystemsXXXX XXXX to dispute the validity of this debt that has somehow appeared on my credit without my written consent pursuant to 15 USC 1681b. I received a letter today where I noticed a lot of violations. Please see below Fact, The Truth in Lending Act is intended to inform consumers about the cost of credit.
Fact, The Truth in Lending Act is intended to protect consumers against abuse and deceit by creditors and I have been and deceived so be it.
Fact, Affiant is aware and has proof in attachment labeled as exhibit A that National Credit System , INC is in violation of 15 U.S. Code 1692. ( C ) ( A ). A debt collector may not communicate with a consumer in connection with collection with any debt.
Fact, Affiant is aware and has proof in attachment labeled as exhibit A that National Credit System , INC is in violation of 15 U.S. Code 1692. ( B ) ( 2 ). Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall not state that such consumer owe any debt.
Fact, Affiant is aware and has proof in attachment labeled as exhibit A that National Credit System , INC is in violation of 15 U.S. Code 1692. ( D ) ( 2 ). The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader.
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| 05/13/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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This collection was placed on my credit report and my daughter by NATIONAL CREDIT SYSTEMS INC without notice. The collection does not belong to me or my daughter. It has harmed my and my daughters credit report. My score has dropped by 50 points on my XXXX credit report and XXXX dropped 22 points and XXXX dropped by 14 points according to my FICO score. I reached out to this agency many times. I called one supervisor and he never called me back. I left him a voicemail. I called again and spoke to multiple people including a supervisor and she hung up on me ; when I questioned why she kept putting me on hold and answering other calls. She said other people were calling and I suggested she allow them to go to voice mail as happened to me before. She then got angry and eventually hung up on me repeatedly calling my name. I I asked them to do the research and please remove this from my account. I was in the process of attempting to purchase a home and secure housing for my daughter. I contacted the agency multiple times and they told me it was my responsibility to dispute with credit bureau. I think you should pull the tapes of the recorded conversations to demonstrate how rude and unhelpful this agency has been. They later sent a letter saying they investigated and the results remained the same. They also added a Louisiana address that I have never resided at.
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| 08/06/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To Whom It May Concern, The reason for my dispute is NATIONAL CREDIT SYSTEMS # XXXX was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, NATIONAL CREDIT SYSTEMS failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) NATIONAL CREDIT SYSTEMS failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation NATIONAL CREDIT SYSTEMS is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or co-debtors. FDCPA I fail to see where NATIONAL CREDIT SYSTEMS is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report.NATIONAL CREDIT SYSTEMS has not even tried to contact me regarding this collection account. Please have them remove this collection account immediately.
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| 08/20/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a complaint from XXXX XXXX against National Credit Ssytems for National Credits failure to provide requested information for the debt alleged. OnXX/XX/18, consumer, received a demand letter from creditor, National Credit. On XX/XX/18, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity.
National Credit responded on XX/XX/18 with a letter including only statements from the original account. These statements do not show National Credit 's authority to collect on the debt. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.
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| 10/08/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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To whom it may concern : Please remove this file from my credit report as this debt do not belong to me. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. Ive never had any relationship with National Credit Systems or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity.
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| 09/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I am writing to bring to your attention an urgent matter pertaining to my credit report. On XX/XX/2023, I initiated a dispute with National Credit Systems , Inc. regarding a debt associated with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, totaling {$7000.00}. I firmly believe this information to be inaccurate and not reflective of any valid debt I owe.
I have notified National Credit Systems , Inc. directly of this dispute, as stipulated in 15 U.S. Code 1681i, which mandates a timely reinvestigation by the consumer reporting agency. Regrettably, National Credit Systems , Inc. has not conducted this required reinvestigation within the mandated 30-day period.
The inaccurate debt on my credit report is severely impacting my financial prospects, including my ability to secure housing and make informed financial decisions. Therefore, I urgently request that National Credit Systems , Inc. conducts a thorough reinvestigation into the disputed information and rectifies any inaccuracies promptly, including the removal of the disputed item from my credit file if found to be inaccurate.
I also urge XXXX, XXXX, and XXXX to ensure that accurate and up-to-date information is reported in compliance with the law.
I appreciate your prompt attention to this matter and request your immediate action to resolve this issue in compliance with 15 U.S. Code 1681i.
Sincerely,
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| 07/20/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My name is XXXX XXXX XXXX, this is my only name, and I am a natural person. I have sent out several letters to this debt collector to let them know that I am not responsible for this debt attached to Acct No XXXX. They have failed to validate the debt as required under 15 USC 1692g. Furthermore, they have inaccurately and inconsistently reported this debt to the credit bureaus, causing damage to my good name and reputation. They have used abusive, deceptive, and unfair debt collection practices. They have also presented false and misleading information on my report by reposting the debt with a higher amount after it was removed because they failed to validate the debt. Please see attached.
They are informed of the violation of the following laws and of their civil liability under 15 U.S. Code 1692k - Civil liability Violation 1 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) XX/XX/2022 - XXXX XXXX Violation 2 : 15 U.S. Code 1692 ( e ) ( 2 ) ( A ) - False or misleading representations XX/XX/2022 - amount increase {$1.00} XXXX Violation 3 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 4 : 15 U.S. Code 1692f - Unfair practices - XX/XX/2022 XXXX Violation 5:15 U.S. Code 1692f - Unfair practices XXXX Emotional Distress XXXX 15 U.S. Code 1692c XXXX 15 U.S. Code 1692g XXXX Payment may be sent to the address on file.
Thank you, XXXX XXXX XXXX
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| 01/23/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Dear national credit systems, I am in receipt of the letter you sent to collect a debt from me, I am for certain that i do not owe your company any money. For starters, I have never done business with you. in Fact, I have never heard of your company until having received this letter in the mail. What i find strange is your attempt to settle the debt with me when i do n't owe you any money in the first place! Why would i settle on something i do n't even know?! Seriously informing that i have a debt when i never signed a contract with you and you do n't have my signature nor my drivers license for a contract stating Im liable ... .Again, I do n't owe you any money!! ' With all that being said, Please See this letter as me disputing this alleged debt with your company as well as requesting debt validation. Please send me a legal binding contract and agreement that legally binds me to owing your company!! I have been disputing this debt with your company hence you have never supplied legal supporting documents, this is my last and final time to ask you for correct validation.
thirty days should be more than enough time for you to send me legal supporting supporting documents bearing that I 've done business with you, Hence owing your company, i also have attached my attorney on here as well for your response.
Regards, XXXX XXXX CC Attorney XXXX XXXX
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| 12/13/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I got a notice from my credit union saying that I owed for past rent, and I had a new collections on my record. I tried calling and proving I was taken off the lease in XXXX, but they want me to show a roommate release form I do not have. I do have a copy of the next lease offer from the management company with my named removed. They also sent me the statement they received from the management showing they tried to collect from the people that owed the expense and a letter they sent for collections and my name is not even on it. She says she will not remove it from my credit report unless I prove I was taken off the lease. I have not lived there for 5 years and this is from XXXX of this year. I can prove I was not there, as I went from there to the XXXX XXXX for 27 months and moved across the country when I returned from there. The ledger they sent also shows it was paid in full the month I moved out. The management clearly knew we were gone when they made the new lease offer as we were not on it, but the collections company clearly is scamming me to pay it because they can not get the money from the people that really owe it.
Collection Agency was XXXXXXXX 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
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| 01/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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National Credit Systems ( XXXX, GA ) is attempting to collect a debt owned to XXXX XXXX ( XXXX, MI ) for XX/XX/XXXX. I discovered this collection on XX/XX/XXXX on a periodical review of my credit reports. I contacted National Credit Systems and was informed this collection was a result of failed payments on a lease signed XX/XX/XXXX. After reviewing these documents I discovered this signed lease extension was done fraudulently with my forged digital signature. I was a resident of XXXX XXXX XX/XX/XXXX-XX/XX/XXXX, XXXX XXXX was added to the lease with the intention of becoming primary lease holder. My information was to be dropped from the lease. The last communication I received from XXXX XXXX was on XX/XX/XXXX. No attempt was made to contact me via phone or email to extend the lease. I have filed a police report with the XXXX XXXX XXXX ( XXXX, MI ). I also signed an affidavit with the Federal Trade Commission regarding the identity theft.
XXXX XXXX claims that they have no record of the collection, as they changed parent companies. Their former parent company XXXX XXXX XXXX ( XXXX, GA ) is unreachable to discuss this collection. National Credit Systems has not been helpful at all in this process and have been using scare tactics to get me to pay this debt, which is a result of identity theft. Attached is the police report and FTC affidavit.
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| 09/08/2019 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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On XX/XX/XXXX XXXX XXXX at XXXX XXXX XXXX opened a balance in the amount of {$2900.00}. This is an apartment community in XXXX, Ohio. I called the apartment community and their corporate office and they said they had no record of me living there. I told them this charge was appearing on my credit, I asked them for proof of residency. They do not have it. I also asked for proof of my identification and signature on the lease agreement, they didn't have that either.
The charge is for a month of rent for the fall of XX/XX/XXXX per the collection agency, but the apartment complex knows nothing about it. In the fall of XX/XX/XXXX I lived at another apartment community that I worked for. I have witnesses with my previous supervisor and records showing my dates of residency. I never occupied an apartment at XXXX at XXXX XXXX. When I spoke to someone at their corporate office they said maybe it was identity theft, but again they have no lease or documents proving that I owe or stayed there.
For the past five years I have completed paperwork to remove this debt, I have struggled to try to purchase a home or even lease an apartment. Everything has had to be under my husbands name. I need this debt removed, I never lived or even applied to live at this community and they have been affecting my credit score for 5 years for collecting a debt I don't owe.
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| 04/13/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This debt collection is from a previous apartment I rented at XXXX forest in XXXX XXXX, Arkansas. After moving out I was charged for a buyout lease along with other fees. Since the lease i had was a month to month lease the termination fee ( buyout ) was removed from the balance. Therefore the original creditors ( XXXX XXXX ) made several attempts to resolve the issue. An email was first sent to resolve the matter in XXXX of XXXX. Since we have not heard any communication back from National Credit Systems to get a correct balance. Move forward to XX/XX/XXXX a first round of dispute was mailed to National Credit Systems. In response I was given a copy of my balance before it was corrected. Therefore I moved forward in mail to get validation on the balance. After asking for validation I can not seem to get a response. I did reach out to management of XXXX forest again to see if they could try again for a response. One of their leasing agents messaged their SODA hoping this route could get a response ( XX/XX/XXXX ). Most recently I tried to dispute through XXXX XXXX to see if I can get a better solution. None has worked for me. Attached photos are the email sent from XXXX XXXX, and two dispute receipts from XXXX XXXX recently. I would attach the mail being sent but I do not have a copy of those. I hope we can come to a solution from this matter.
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| 12/13/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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In XX/XX/XXXX I sent a letter to National Credit Systems requesting they provide me with the methods they used to validate the {$1800.00} debt they are reporting on my credit file with all 3 credit reporting agencies. They in turn sent me a copy of my original signed lease agreement with XXXX XXXX but no breakdown of the {$1800.00} being reported on my credit file because I know that amount is inaccurate and by law they have to provide valid evidence of the amount being accurate. They did not. On XX/XX/XXXXI pulled up my official credit reports from all 3 credit reporting agencies and noticed this company National Credit Systems is reporting this invalidated debt with 3 different " Open Dates '' on all 3 reports. This is a violation of the Fair Credit Reporting Act. I have asked all 3 credit reporting agencies to properly investigate this matter and they clearly have dropped the ball because if National Credit Systems properly provided the credit they too would have noticed all the dates are not matching because they do n't have any proof this debt is actually mine. I will be uploading the pictures of the following " open dates '' being reported. 1 ) XX/XX/XXXX via XXXX 2 ) XX/XX/XXXXvia XXXX. 3 ) XX/XX/XXXX via XXXX This information is required to be verified and accurate and with 3 completey different dates there is now way that is possible.
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| 07/14/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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I am a XXXX and I called National Credit Systems XXXX Inc. with a client multiple times and have repeatedly been treated poorly, but my phone call today was by far the worst I have ever experienced. I made an offer on behalf of my client and was told that the balance was at XXXX in spite of the fact that she received a XXXX off letter that was not honored due to a time limit issue. In my client 's defense, she did not receive the letter on time before the time expired. The collection agency added a {$1400.00} collection agency fee and I simple asked the supervisor if she was aware that they were in violation of FDCPA for the collection agency fee. And she told me that I was being hostile and using strong arm negotiation tactics and said she had no desire to talk to me further and hung up on me. I called back and spoke to the original representative, XXXX XXXX, who proceeded to directly transfer me back to XXXX XXXX, the supervisor. I did not ask her to transfer me. At this point, my client just needed to pay the bill and be done with this account. I called back again and XXXX XXXX directly transferred me again without even speaking to me. I 've never felt so disrespected on a phone call in my life. I asked my client if she thought I was being hostile and she said no. Every time we have called this collection, they have been nothing but rude.
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| 12/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Older American |
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This is an erroneous and fraudulent debt. This apartment complex made false charges of damage and never notified me. I am on XXXX housing in order for me t move into or out of an apartment an inspection is done if there were damages I would have had to repair them prior to leaving in order to be issued another housing voucher. Years later this shows on my credit report while I am trying to rent another apartment. I asked for proof of debt and was given an invoice that is not proof pictures would be proof not something that someone wrote down. Due to me being on housing I only have a small amount of time to secure another residence or I will lose my housing voucher. So after going back and forth the new apartment complex said well if you pay half of the debt we will rent to you. So I paid XXXX on a debt I do n't even owe and the company National Credit Services refuses to give me a receipt so that I can show my new apartment complex and secure the residence. As a result I know had until XXXX today XXXX/XXXX/2016 to turn in my new housing or I will be removed from the housing program. I begged, pleaded and cried explaining that I am elderly and XXXX and about to become homeless if they could please provide me a receipt for my payment they adamantly refuse and I am now going to be homeless all because they refuse to provide receipt of payment.
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| 04/30/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Contacted National Credit systems multiple times in regard to this amount. The amount they are stating I owe is XXXX. Which is inaccurate in my first CFPB response back from the company they asked I provide information disputing the amount. I provided documentation proving the amount they are collecting is inaccurate.
I sent them a letter as well via mail providing the emails as requested. Which were proving a lower amount of XXXX and I provided the documentation from state of California stating Fair Housing laws for California.
I even said I have no problem paying a debt I owe however, the Management of this company is doing everything possible to instead report an inaccurate debt.
Instead of responding accurately to my second CFPB complaint with the updated documents per their request. They flagged the complaint as duplicate vs updating the correct amount. The day after they send out a letter stating they are reporting the XXXX. Dollars even though they are aware the amount being collected is inaccurate.
Ive also sent the requested documentation via mail as well. This company is knowing inaccurately reporting information. Also, this company does not reach out to the original debt owner to validate debt. I called today and XXXX XXXX Head Quarters stated they never received documentation from this company. Disputing my information.
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| 02/08/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I discovered that I was a victim of identity theft and promptly contacted the debt collection company by filling in their affidavid and supplying information that the debt did not belong to me.
This was for unpaid apartment debt of {$7000.00} in XXXX Nevada, incurred by a person using my SSN and name. I have never lived, visited or have any contact in Nevada. As part of the information that I sent to National Credit Systems ( the debt collector ) on Friday XXXX of XXXX was a police report, and evidence ( utility bills ) of residence of my home here in XXXX XXXX California proving the debt does not belong to me. The information has also been sent by certified mail, to the debt collector. XXXX XXXX XXXX : XXXX XXXX XXXX. Today, XX/XX/XXXX I have received a threatening letter from XXXX XXXX XXXX XXXX XXXX, seeking to collect this debt from me despite her having in her possession documents that prove that the debt is a result of Identity theft, and stating that she has furnished information to credit reporting agencies. I have just spent the last few days working with these agencies to remove the false information to restore my credit rating and she is now reversing it downwards, in a threatening manner. This is clearly intimidation tactics to pay for debt that doesn't belong to me. The company is National Credit Systems , Inc XXXX GA XXXX
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| 06/16/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was sent to collection for a debt I should have never paid. I was never told about this debt. I rented out an apartment and the conditions of the apartment became unlivable. The roof was caving in and had a huge hole in it with termites and unwanted critters coming in. The apartment failed to repair the issue after multiple and multiple attempts. The apartment complex agreed to let me leave a few months early without penalty. When I left, they said I did not owe anything else. I signed the papers and left my keys. in XX/XX/XXXX, I was trying to rent another apartment when they said there was a collection on my credit report and I would have to pay it before I moved in. I paid it in XX/XX/XXXX, even though it says I paid it in XX/XX/XXXX. I was told the adverse action would be removed from my credit report if I paid it in full. It was never taken off my credit report and now the company is saying I 'm lying about it. I am extremely upset this fraudulent charge can even happen without proper steps being taken. A company can just say that I owe them money and send me to collections without having to go to court and prove it.
I have paid the apartment well over {$1000.00} a month the entire lease and was never told about a final fee or charge of {$160.00}. If I was told about it, I would have fought it at that time if it was fraudulent.
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| 11/03/2022 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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National credit systems came after my husband and me for an alleged debt that we do not recognize or find fair and proceeded to dispute it. we asked for the debt to be verified and validated according to our rights but instead kept receiving documents and a letter stating that this alleged debt was " validated by the original creditor '' which does not provide us with any proof of owing this alleged debt, but instead kept ignoring our request for proper documentations and asked us to provide them with documentations. They also stated in their letter that they would delete or not report any of this to the major credit bureaus while in dispute which was untrue as they did and now our credits are being affected for a debt that has not been validated or verified according to our rights. We have sent all certified mail and kept copies of their response specifically stating that they would delete or revise all reports they might have made to the credit bureaus and instead failed to do so without any written notice. This has caused my husband and me a lot of stress and damage as we were in the process of attempting to purchase a property. This is in clear violation of the Fair Credit Reporting Act ( FCRA ) of the Agency 's failure to follow guidelines for handling disputes. as well as Failing to send us notifications about our credit report.
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| 04/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
|
I was the guarantor for an unfinished and unsigned lease with XXXX XXXX XXXX XXXX in XXXX, FL, for XXXX XXXX in XX/XX/XXXX. The guarantee, XXXX XXXX, was notified by the leasing office that she never signed the final and complete copy of the lease on XX/XX/XXXX ( and therefore never completed the lease in its entirety and could not move in until she finished her leasing paperwork. She never moved into or received keys to this property. National Credit Systems was attempting to collect the amount owed for an entire lease term from the guarantee and I, despite the fact that the lease was, according to the property, never completed and turned in and XXXX never lived there.
Going off of what was sent to XXXX in the voicemail on XX/XX/XXXX, ( which I have proof of ), the guarantee and I assumed that no further action needed to be taken, as it was our understanding that we had not finished the proper leasing documents in the first place. The guarantee, XXXX XXXX, has since managed to have the charge removed from her credit report via XXXX complaint ( after submitting a claim with the CFPB herself, the complaint number is XXXX, I was also advised to do so myself by the credit bureau ) I am requesting that the company withdraw the claim from my credit report as well, because I am not responsible for any debt with this company in any way.
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| 02/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I moved out of my apartment at XXXX XXXX in XXXX on XX/XX/2022. I received a Final Notice of move-out charges totaling {$390.00} on XX/XX/2022, which was also the first notice as I received no other correspondence regarding this matter either through email or regular mail. They are trying to charge me for upkeep of normal wear and tear, specifically replacing a carpet. Both the terms of the lease and Florida law state landlords are responsible for maintenance of normal wear and tear. I started the dispute process with the landlord through email, and they were unable to provide me with information on why I should be charged to replace the carpet. The only explanation they were able to give me was that it was " excessive wear and tear '' and the carpet 's " usefulness '' had been used up, but were unable to provide specifics on either of these descriptors. In the middle of me disputing these charges my previous landlord stopped responding to me on XX/XX/2022. After not responding to me for 2.5 months, the landlord sent my account to collections and is now saying I have to bring up all disputes with the collections agency. I believe the " debt '' the landlord sold and the collections agency is pursuing is illegal. The collection agency also did not provide me with their license to collect debts in Florida after I formally requested it.
|
| 02/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX I contacted National Credit Systems in regards to balance against my credit due I did not receive any notification validating the debt. I don't understand how I could be owing a debt of a place I did not stay and I would not owe a debt to any place I live at due to at the time I had section 8 housing where the housing authority paid 100 % of my rent. There is a difference of filling out an application for a place of residency and actually moving in. Even if you signed a lease but never took legal ownership of the place of residency due to finding another place else where then how could this be a debt that I owe. I have reached out to national credit system due to them not sending validation Statements in which if they did it was sent to the wrong address. Also in XX/XX/XXXX I called and spoke to XXXX rep and advised that they are not able to call me due to the cease letters sent to them and the fact that they are placing a debt on my credit report they are not the original creditor in which they are violating FCRA laws.
Also on XX/XX/XXXX after I had the 3 bureaus sent a validation letter to national credit system they sent a debt postcard and also they placed an embarrassing stamp on note on a letter they sent. It also included publishing my name on a bad debt list which was not fair without proper validation sent.
|
| 04/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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National Credit Systems has been attempting to collect a debt that belongs to my deceased father. I was my father 's caregiver and in XX/XX/XXXX he leased an apartment at XXXX XXXX. I had no financial liability to the lease or its expenses. However, the complex stated they needed the Social Security number of every adult over the age of XXXX residing in the apartment. Their lease had a clause that stated in the event of a death he would not be liable for the rest of the lease. My father passed away XX/XX/XXXX and I immediately vacated the premises on the weekend when the office was closed. I provided a letter and proof showing my father passed away, pictures of how the apartment was left, the keys, the forwarding address to be notified of the receipt and left in the drop box as I moved out of state. About a month later I received a bill stating I was responsible for the debt as if my father was my spouse. I contacted the management company located in XXXX and advised I was not his spouse and it was not a joint account I was only a resident on the lease. They refused to acknowledge that and reported to my credit and sent to National Credit Systems as if it was a joint account. I notified them this was not my debt and disputed with them and the Credit Bureaus several times. They continue to pursue me for my deceased father 's debt.
|
| 10/19/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
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Web |
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I have a collection from National Credit Systems which I have tried to contact them concerning this multiple times and I have received no response. They are trying to collect on an apartment that lived at, XXXX at XXXX XXXX. The problem is that I was the only person on the lease and the only person that lived there. I was being stalked by a very crazy guy and filed multiple police reports against him and made the apartment complex aware of the situation. I also provided them with copies of the police reports. The apartment complex refused to let me out of my lease or allow me to move to another section. As I was in fear of my life I moved out of the apartment but paid the last months rent so that I would not have a broken lease on my credit report. After giving notice, returned all keys and moving out he broke in one night and completely vandalized the apartment. I have multiple pictures and police reports, his name, screen shot text messages with him saying he did it all the proof proving it was not me, even proof as to where he broke off the back door to get inside the apartment. The front office was aware of who did it but since I was the only person on the lease I got charged. I tried to contact the apartment to make payment arrangements for the damages, even though I do n't feel responsible, but they continued to ignore me.
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| 05/09/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you in a state where you do not live or did not sign for the debt
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Web |
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I lived in some apartments called the XXXX for six years always paid my rent on time. I am XXXX I have XXXX XXXX called XXXX XXXX . When I first moved in the apartment the lady who was first there help me fill out my paperwork. I started school 3 years after my moving in. In XX/XX/XXXX I did go to school full load for Sprin g XX/XX/XXXX , I was on some type of Hud program my whole stay. The lady who used to help me do paperwork was no longer there so I did not know neither was it explained to me that I could or was not suppose to. A year later in XX/XX/XXXX the y told I was not then I got an eviction notice. Not only that but during the time in XX/XX/XXXX I we nt without air in 98 degre es for a week because of electrical problem they kept saying was just air unit but I knew because the lights fried. I told my Mom and she told me to call corporate in Tx. I also had a real bad roach infestation t hat my Mom had to pay personally because of old neighbors moving out. I always paid my portion and only went full time XXXX semester because of stress. I am now stressed trying to make ends meat because the report is on credit and it is a heavy burden on me. I am stressed trying to work a little just to pay bills rent and eat. I think this report is conflict of interest and causing undue hardship on me.
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| 11/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I lived in XXXX XXXX XXXX for two years and have been having problems with them since before I moved out in the end of XX/XX/XXXX. I paid my rent early more than XXXX time and XXXX of the times they tried to evict me for unpaid rent. I have every rent receipt from them starting from XXXX - XXXX. My car was broken into XXXX times on their property, before I moved out someone broke into my apartment while I was at work, I have police reports for all of these things as well. After my apartment was broken into they put a note on my door saying I owed {$100.00} for unpaid rent. I am on XXXX, so that is why you will see different amounts. But I attached my run down from XXXX, so even if there was unpaid rent due I would NOT owe the full amount. And if I did even owe them a full months rent that would mean I would have had to not pay my rent for more than one month. And if I did n't pay more than one months rent why was I NEVER evicted? Why are they coming after me for the full amount and not charging XXXX XXXX for not paying their portion? Cause it 's a false claim. They sent my name to XXXX collections and I asked them to prove the debt they sent me a bill & I sent them my proof. They left me alone and a year later another collections agency is trying to collect from me. They have reported this to my credit which is effecting me.
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| 07/08/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021 NATIONAL CREDIT SYSTEMS responded to my complaint and this is my rebuttal and I am filing another complaint in regards to their debt collection practices. I have repeatedly requested the five required pieces of information pursuant to 15 USC 1692g of the Fair Debt Collection Practices Act, and this debt collector has repeatedly denied me of this right. They have not sent me any documentation to properly validate this alleged account, instead they have sent an invoice that states the funds are to be paid to my husband. When we initially received this information it was very misleading because he thought he should be expecting a check and not that we owed anything. Also, after speaking to a supervisor at National Credit Systems she advised that they had sent multiple documents through the mails advising that we owe a debt and the information needed to pay or settle this alleged debt, which violates 15 USC 1692f ( 7 ). She also advised that they sent three letters to the address of the apartment complex of which they are collecting on the behalf of, which proves they did not do their due diligence regarding this alleged account and has reported fraudulent, invalidated information to my husband 's and my own credit reports. As a result this has harmed our reputation and violated our rights as consumers to privacy.
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| 08/28/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/XXXX, I contacted XXXX. I wrote a letter to the apartment complex about the excessive noise from the neighbor above. Also, having strange, unfamiliar people coming by the residence asking to purchase illegal drugs from myself and mother.
XX/XX/XXXX ; XX/XX/XXXX, I had my XXXX XXXX attorney contact XXXX about my lease agreement ; via a letter.
XX/XX/XXXX, The XXXX contacted me by mail and sent a copy of a copy of the alleged charges/fees.
The debt was sold to a third party company named National Credit System in late XX/XX/XXXX or XX/XX/XXXX.
I did not receive a letter from National Credit Systems for several months ; when I did receive one, I sent letters.
XX/XX/XXXX, I sent a letter to National Credit Systems. I explained to them what was going on at the apartment. No proper validation of the debt.
I sent letters to National Credit System in the following years : XX/XX/XXXX, XX/XX/XXXX. I do not have the phyiscal letters ; still no proper validation of debt.
XX/XX/XXXX, I sent a letter to XXXX in regards to National Credit Systems. It also, explains what was taking place at XXXX XXXX ; no proper validation of debt.
XX/XX/XXXX, I sent another letter to National Credit Systems ; no proper validation of debt.
XX/XX/XXXX, I sent another lette to NCS, regarding the account ; no proper validation of debt
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| 01/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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I have move out in XX/XX/XXXX in XXXX in XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX. The reason we got kick out from the apartment not due to none/late payment, just we behind renew the lease due to we out of town of the renew period. On the last day before we move out, we asked how much we owe then we could pay off it. and the staff in the administration said they will contact us for payments. Ever since the I never hear from them and tho our deposit could cover because we never got it back. but 6 months later, in XX/XX/XXXX we got call from ( XXXX ) XXXX Michements due to none payment. I have told them that we got attorney to take care the case. But we continually receiving 2 call from them. and the case been hold for 3 months. on XX/XX/XXXX I received call at my office from XXXX XXXX of National Credit System. She said we still owe them money. I told her my attorney will take care of it and I already mark down their information. But ever since the first call from XXXX, I been continually received her call 3 times a week in my office. Its really distributing my life. Even I had told her we will talk to my attorney about it. On XXXX/XXXX/2016 She even asked my co work if she could speak to my manager because I was step out of office. Their company is National Credit System. XXXX XXXX XXXX, XXXX, XXXX XXXX ( XXXX ) XXXX. Thanks
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| 11/14/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems, XXXX XXXX. XXXX XXXX, XXXX, GA XXXX reported a collection debt opened XX/XX/XXXX for their client XXXX XXXX XXXX in the amount of {$2100.00}.
This account does not belong to me and I do not have any responsibility for this debt. i have never done any business with XXXX XXXX XXXX, nor signed any lease agreement with then. I was in XXXX XXXX in a XXXX in Puerto Rico from XXXX through XX/XX/XXXX ( 6 yrs. & 6 mos. ) I have never lived in the State where this property is located.
Here with I am providing documentation as proof that I was in XXXX in Puerto Rico during the time this account was created. I have disputed 4 different collections account on my credit reports from XXXX, XXXX and XXXX, and three of them have been removed as well as inaccurate information ( addresses, names ). The only collection agency that refused to removed the collection debt is National Credit Systems, even though I have provided strong proof.
I have also written to the creditor XXXX XXXX XXXX and collection agency involved with no results at all ( attached certified letter with proof of deliver.
I am trying to get my life in the wright direction but with this credit issues are causing me financial injury as well as making things difficult for me in the job search, etc.
Hope you can assist me, Thanks so much.
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| 10/29/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I never received any notification, by mail or email, or phone of any amount owed to anyone anywhere and now I am seeing a collection on my credit report that is a complete surprise and frankly unsubstantiated. I received a call last week from a debt collector - the first call ever - in regard to an apartment building I used to live in but asked them to call me back since I was in class - they never did. This building never sent me any notice of outstanding payment due and I have no idea what they are even claiming this is for. When I moved out after my lease ended last XXXX, I gave them 30 days ' notice and they said they needed 60. I submitted a formal complaint and never heard back anything. No invoice or bill was ever sent to me. I am only seeing this now on my credit report which is unfair since I was NEVER contacted by the building about an amount owed. How can they do something like this? My phone and email are the same and they have both because they still send me emails from their rental portal about events. Please help, this can not affect my credit score since I was never given an opportunity to resolve this matter with the apartment before they sent this to collections. I am incredibly disappointed and hurt that a building I lived in for a year and paid on time as a perfect tenant would do something like this.
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| 12/05/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a letter ( Dated XX/XX/XXXX ) from National Credit Systems out of XXXX XX/XX/XXXX about an alledged debt I owed to XXXX XXXX XXXX. I respoded with a certified letter on XX/XX/XXXX disputing the debt, I asked them for proof of the debt, and I also asked them for information about their company ( are they a licensed debt collector, do they have a license to collect debts in the state of XX/XX/XXXX and if not what state are the licensed in and what authority do they have to collect in the State of XX/XX/XXXX) To this date they have not answered my requests for information about their company. They have proceeded to make multiple calls to me ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) even after the first phone call I informed them I would talk to them only once every 30 days and that I am requesting any correspondence be in writing. I have now sent 4 certified letters to their company requesting the information and they have not answered my request for company information. I have disputed the debt with every letter they have sent me and I have informed them I will not provide any information until I know they are a licensed collector authorized to collect in the state of XX/XX/XXXX They have refused to provide this information and have now reported to the credit bureaus, even though this is in dispute.
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| 07/29/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I lived at XXXX XXXX XXXX for just over a year. When I found a bigger place to live the landlord at XXXX told me to not pay my last months rent and he would use my security deposit to apply towards it. The day I turned in my key I left my new address and contact information with the manager, XXXX. I wrote it on a piece of paper and handed it to him, he then put it in my file. I stood there and watched him do this. A few weeks later I received a collection notice in the mail from XXXX XXXX. I went to the apartments to speak with the manager, he told me they kept my security deposit because I didn't pay my last months rent, I reminded him of what he told me, not to pay my last months rent, he would apply my security deposit to pay it. I asked why I didn't get a letter in the mail explaining why they kept my security deposit, he shrugged his shoulders. Please see attached a copy of the lease initialed by me, it states that my security deposit can be used towards the last months rent. On the lease it states " If the landlord fails to give you the required notice within the 30 day period, he or she forfeits the right to impose a claim on the security deposit. '' I never received any notice. On the attached document please read # 12 and # 24 where it clearly states that the security deposit can be used for the months rent.
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| 05/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I attended court after being subpeoned for a break of a lease by my roommate while i lived there and was forced to move out. The owners of XXXX XXXX XXXX in XXXX XXXX, MI did not attend court. They did not attend court because they dropped all charges XXXX There was no judgement possession made because the possession of the apartment was immediately returned to the owners. They also leased the same apartment within a week of moving out. We ( XXXX XXXX ) and I immediately moved out of the apartment with in a week of XXXX breaking the lease. I have been informed that this should not be on my credit and that I do not have to pay any of the rent from the lease being broke back to the owners. I also know that the property has been sold a couple times so the original owners do not own the property anymore. I have been trying to resolve this with XXXX who represents National Credit Systems. He has been rude and uncooperative, demanding and bullying that I owe this money and pay it immediately. He refuses to discuss that I have been to court for this and the case and charges were dropped and closed. I am trying to obtain housing for me and my son and unable to do so because this is on my credit and been unable to get this removed after a couple of attempts of disputing it. it just got renewed to be on my credit even longer.
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| 09/29/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have been receiving many harassing phone calls from spoofed numbers, from someone identifying themselves as XXXX XXXX from National Credit Systems. They have stated that they are attempting to collect a debt. They have also called some of my family members from spoofed phone numbers. The number that they leave to return calls is XXXX.
I received a letter in the mail yesterday that they are trying to collect a debt from an apartment complex, XXXX XXXX XXXX XXXX, I lived in for 6 months in 2017, in XXXX XXXX, TX. The alleged amount owed is {$1000.00}. They have threatened to report to the credit bureaus. Additionally, they sent a separate letter to my husband for the same amount. On the NCS website, they have documentation showing that XXXX XXXX XXXX XXXX owed us the amount they were trying to collect.
This debt is not real, as I have proof of a good standing with the apartment complex upon move out and proof that my security deposit was returned. I have been unable to reach the apartment complex yet, but used their website 's " Contact '' function to send an email demanding answers.
They call many, many times a day, spoofing their number to be similar to mine. I have resorted to blocking each number, and have never answered the phone. I will take whatever legal action is necessary, as this is unacceptable.
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| 10/27/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This account is being reflected as reporting to Credit Bureaus with inaccurate information by National Credit Bureaus. They are reflecting and amount owed does not match the account statement provided to me from a representative from XXXX XXXX XXXX XXXX the original owner of the debt. The balance they are reporting to credit bureau is {$2900.00}. Per the attached fee bill from the property the total balance owed is {$2800.00}. Credit reporting agencies are legally obligated to correct or delete inaccurate information. Also, as evidenced by the attached date on the e-mail received from the original owner I was never notified of the debt or given an opportunity to pay the debt to the property by receiving notification or contact from the property until XXXX XXXX almost a year after moving from the property. As the final account statement will show I moved from the property originally on XX/XX/XXXX. I should have received confirmation or notification of the debt within 30 days after the original move-out date from the property. Also the final account statement from the property is inaccurate and reflects charges not owed to the property by me for cleaning fees and damage to a tub in the master bedroom. Please see attached e-mail I have sent to the property to dispute charges as listed on the final account statement.
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| 09/04/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XXXX XXXX, XXXX we broke our lease with XXXX XXXX. We paid in full according to the lease agreement and apartment mananger : XXXX XXXX, {$2100.00}. We have a copy of the check and the managers signature confirming lease was paid in full and we turned in the keys. The apartment complex is : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL XXXX In XXXX XXXX we start getting collection calls from National Credit Systems, XXXX XXXX XXXX in XXXX, XXXX XXXX XXXX XXXX we owed XXXX XXXX XXXX {$500.00} for unpaid rent in XXXX. We told him we paid lease in full and that manager confirmed by signing receipt and copy of our check. He warned we will have negative credit reporting unless we paid or sent him proof we do n't owe it. I confirmed he had same information we have showing lease agreement and copy of check. Before this, we have received nothing in writing from the apartment complex or his agency and have been repeatedly getting collection calls all hours of the day even at work. XXXX # is XXXX. We paid this in full and have proof and so does the apartment complex, we are baffled as to why they are pursuing unlawfully damaging our credit when we have copy of early termination lease agreement and copy of check with managers signature and her card stapled to it that she gave us the day we paid her and turned in the keys.
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| 10/02/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I had a debt with a creditor. The debt was settled through a court action and the plaintiff agreed to seal the record and not report it after a court order requiring such. plaintiff violated the agreement and sold the title to NATIONAL CREDIT SYSTEMS and now in violation of 15 USC 1692a ( 4 ) debt collector has made false claims as a creditor, made an impermissible pull of my credit and then used my private information for profit in order to enrich themselves unjustly at my expense with neither my consent nor expressed aceptance. XXXX LLC is a co conspirator in the caper as both companies are guilty of identity theft and consumer fraud based on their destroying my rights to privacy, my right to contract, my right to be secure in person and property and my right to be free of the fraud, theft and coercion of third party meddlers pursuant to their willful and negligent violations of 720 ILCS 5/16-30 ( a ) and 815 ILCS 505/1 ET SEQ. I have made several requests to both companies to produce lawful evidence of my being subject to any indebtedness and both companies have chosen to ignore my requests and acquiesce to the aforementioned claims ... I want to initiate a lawsuit as these companies are making it impossible to get housing and winter is here. please find the court documents and correspondence between myself.
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| 04/20/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX, now DBA XXXX XXXX operated by The XXXX XXXX hasn't sent me any statements other than my Final Movement Statement on XX/XX/2018. I paid all that was due and now almost two years later have received multiple collection notices from the National Credit System , Inc. to pay a {$95.00} debt that I've never even seen.
I have documentation to show that the final moveout statement was {$1600.00}. Of that {$5.00} was a late fee which was subsequently removed by the front office staff ( I have documentation ) and the remaining {$1600.00} was paid in 3 payments of {$530.00}.
{$95.00} remaining balance? I never received anything about it.
Ive contacted the National Credit System to report that I am disputing this and I and my guarantor are still receiving additional credit threats that they will damage our credit.
I have tried on multiple emails and phone calls to get this resolved by contacting the front office staff. Every time, I've contacted them, they've told me they can't help me and that the XXXX XXXX XXXX will resolve this and to send him email. I've now sent him multiple emails and have not received the slightest response. Upon calling the office again, they said just do the same thing, but I am receiving additional credit threats in the mail and frequent calls from the National Credit System.
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| 04/23/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX, XXXX -I received notification about debt through National Credit Systems , Inc . I immediately set up payment arrangements with XXXX XXXX Collection Representative. I scheduled 3 payments of {$75.00} first payment for XX/XX/XXXX. I contacted the representative again on two other occasions XX/XX/XXXX and XX/XX/XXXX for payments of {$75.00} for six months. These payments did not post though I gave the Representative checking account information on each of the dates stated above.
On XX/XX/XXXX, NCS reported the debt to the credit bureaus. I again called Mr. XXXX to inquire why the account was reported to the credit reports and he couldn't answer the question. I asked for a letter stating the payment arrangements including a letter stating the account will be removed from the credit report. Mr. XXXX stated he couldn't give me either letter because NCS doesn't do that. I asked to be a supervisor and was directed to 2 separate individuals who did not answer their phones. I have requested 3 different times to talk with a supervisor, promised callbacks, and have not heard from anyone. I requested from Mr. XXXX the ability to make payments online and he stated NCS doesn't do that either. He refused to provide documentation to the above payment arrangements and the request of date removal from credit bureaus.
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| 07/07/2020 |
Yes |
- Debt collection
- Private student loan debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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As a young man with minor responsibilities I went into school to better my future. Like any young adult I was not financially stable and needed assistance to do so with a student loan. Fortunately, as I became a student I made the decision to get married to the love of my life and then came our beautiful two children. My responsibilities increased as my family depended on me. I had to divide my time to attending school, working a full time job and to spend time with my loved ones. Things were getting too stressful, so my time as a student has stretched out into part time student credits. Up until now, I still am a XXXX XXXX trying to tackle my tasks, one at a time. I was deceived by being told that I did not need to start paying off my student loans until after I graduated.
I've contacted this company about my outstanding debt. I pleaded that they allow for a settlement or a payment plan in order to pay the large sum. It was denied. I am trying to purchase a home but unfortunately this is putting a strain on my credit report and is preventing me from doing so. This is effecting me from providing my family with a decent lifestyle.
I wish there was a way we can come up with a resolution and dispute this enormous amount. The NTL Credit Systems has failed to provide me with a compromising settlement agreement.
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| 12/05/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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Months ago I made a complaint with this company about fraudulent credit inquiries that were identified on my credit report for renters verification. one date being XX/XX/XXXX and the the other XX/XX/XXXX. Someone stole my identity and sought out XXXX XXXX XXXX XXXX to obtain credit illegally in my name. I later was advised by this company that the illegal credit pulls were not going to be removed but did not provide a reason why. I never authorized anyone to use my personal information or social security number to obtain credit. I was notified via email through XXXX, and XXXX that I now have a account in collections. The account in collections was never opened by me nor did i seek out credit from this company. It has negatively impacted my credit. A police report was made and filed with all three of the credit bureaus for identity theft, noting that the collections account is a result of my identity being stolen and used without my knowledge or permission. The renters verification needs to be removed. The fraudulent account was sent to NATIONAL CREDIT SYSTEMS and given account number XXXX. According to this collections agency, {$6300.00} is owed. I am not responsibly for this debt as it was obtained illegally and fraudulently. A police report was filed With the XXXX XXXX XXXX XXXX. XXXX NY Report number XXXX
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| 06/18/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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I signed a stipulation with the county court for an eviction. I had to be out by XX/XX/2020 as a stipulation. The eviction was NOT for non-payment. My lease was signed until XX/XX/2020. I signed the stipulation unaware that without prejudice meant they can sue me for money owed until the end of my lease term. I thought it was suppose to cease further actions if I signed. That was not the case. I found out after reviewing my credit report that National Credit System Inc. Reported I owed XXXX XXXX XXXX XXXX XXXX , the apartment ( student housing ) I accepted the stipulation for, {$5200.00}. This balance is for rent up until XX/XX/2020, when my lease was suppose to end. I left XX/XX/2020. My room was rerented sometime in XXXX, according to my old roommate who still resides in one of the rooms and I called the XXXX and they did say it was rented. I contacted the collection agency, National Credit Systems Inc to dispute the accuracy but I am not sure what they did or what they are going to do about my complaint. I was told by Colorado Housing Authority that they can only charge me for the time the unit was vacant and once it was rented the balance I owe should reflect that. They are double dipping and it is illegal. I want the whole debt deleted from my credit report and the debt dismissed due to these issues.
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| 06/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/, we received our final account statement from XXXX XXXX XXXX in the amount of {$1500.00}. We disputed some of the charges and it was reduced down to about {$600.00}. We disputed again and they again adjusted the balance to {$500.00}. I still sent in a dispute that the charges were not correct. They were charging us for a carpet cleaning that should have only been {$65.00} and they charged us for holes in a wall and there were no holes in the wall. The even sent pictures where there were no holes in the walls. The comparison report that they sent from move in to move out did not match the charges that were being charged. I tried numerous times and the least few days they stopped responding to email all together. I tried to communicate with the property manager XXXX XXXX, the regional manager XXXX XXXX and the regional vice president XXXX XXXX. I had even sent emails to their corporate office in Tennessee to XXXX XXXX, XXXX XXXX, XXXX XXXX and no response at all from them. The only amount that we should owe is {$9.00}. I have all email correspondence and the letters that were sent. The charge for {$380.00} needs to be removed as we patched all holes which is what we have always done while living in XXXX brand Apartments and the carpet charge should only have been {$65.00} according to the lease.
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| 10/03/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2022, I was hospitalized due to severe illness. Since then, I have been in and out of hospitals and on long-term XXXX from work. Upon move-out from The XXXX XXXX in XXXX, we were never asked for a forwarding address. As such, they notice of our move-out costs was sent to the address they had on file, which was the same address at XXXX XXXX. Essentially, they mailed the notice to our previous address with them. We called XXXX XXXXXXXX and they confirmed this over the phone, and confirmed they do not have our new address and to expect a callback once they spoke to management. We never received a callback.
The first notice of the debt received was from National Credit Systems , Inc. and due to being on Long Term XXXX, I am receiving care out of state. So I was first made aware of the " Debt '' from my credit report. We have never had an issue with a past landlord as per our history, and it is clearly evident that The XXXX failed to properly notify us of our move-out fees by failing to acquire our updated address. It is evident that National Credit Systems , Inc. was only able to locate our new address using their capabilities as a debt collection agency.
Due to the nature of my XXXX, I contacted National Credit Systems , Inc. via email to no response and thus have come to CFPB for resolution.
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| 09/06/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I disputed a collection account from National Credit Systems a few months back about a collection of {$9800.00}. I sent a letter to National Credit Systems asking for validation and verification of this account. Ive asked for an itemized bill for the amount that is alleged I owe and still have not received an itemized and full breakdown of each cost. I was told most of the damages was in result of fire damage. I was given no proof of any fire damages or how/when they occurred. I was not responsible for the fire nor should I be held responsible for any damages. National Credit System has yet to provide me with any accurate description for what this debt is from. I have disputed this inaccurate account two different occasions and as a result of my first dispute National Credit System collection account was removed for less than a month before it was re-entered onto my consumer report twice. I received a letter from XXXX stating they made an error and duplicated this inaccurate account and now the collection was reflecting on my consumer report twice.I reached out to a lender for a line of credit during the same time and was denied credit. I believe if this inaccurate, unverified and invalid account was not reflecting on my account to begin with then this mistake by XXXX would have never have taken place.
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| 01/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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National Credit Systems is a third party debt collector that have been reporting incorrect information to my credit history as well as harassing me. They stole my information they claim they purchased without my consent and knowledge and started trying to collect a debt that does not exists. I have reported on numerous occasions that they are acting illegally but they claim they are justified because they are a third party debt collector. I do not owe any debt furthermore did not authorize to be contacted in anyway with this company. They have not provided any documentation, proof etc to prove their claims are legit. All they can provide is a contract they have with the creditor and not with me. I did not authorize my information to be sold to a third party debt collector. I do not owe any debt. I do not agree or consent to being harassed by a company I have no relation with or knowledge of. That is against the law. This company can not provide any documentation from XX/XX/XXXXthat proves any liability or debt except for a receipt they may have gotten. Furthermore my signature authorizing any of this have not been provided to this company. For all I know this company stole my information and have been harassing me. I want it to stop. I want National Credit Systems to drop from my credit report as well.
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| 11/29/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I've reach out to the original creditors with no resolution. I had demanded that the inaccurate information to be removed and blocked from my credit report. this information has obscurities, has errors & omissions I requested for augmentation of the record, this is defamation of character and it's injuring me financially. I've spotted many red flags regarding this matter such as : No consistency - Different staff or salespeople are telling you different things.
Wont put it in writing- No one will give you clear information in writing, even when you ask for i I demanded the direct verification, and validation all data for this account, every notation, dates and balances, whether reported or not. I demanded proof as per Public Law No. 91-508 ( FCRA sec 605, 609, and 623 ). and to please verify and validate all data for this account, on top of it, if this is a collection account and the collector need to prove that this debt can survive collection, that they own this debt, and the extent to which they can collect this debt. I do not recognize any of the charges on the account nor the account itself, it does not belong to me, I purge myself and my person ( s ) from any and all assigns for account listed herein, so be it, and I have yet to receive any proof or verification. their silence is acquiescence.
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| 05/08/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I toured an apartment complex and paid a one time {$35.00} tour fee. I never selected an apartment with them, signed any kind of obligation to them, nor ever even verbally confirmed with them that I intended to move in to their complex. They checked my credit and said they could offer me an alternative deposit arrangement for an additional {$300.00} over their normal deposit due should I wish to sign with them. I told them over the phone I was undecided. Months later I got a collection company call saying I owed this complex {$300.00}. I explained this was either a mistake or fraud and described the above interactions. I immediately called the complex and spoke with a woman in the office and told her this was a mistake or worse and it needed to be corrected. I heard nothing back. I called again and left a message. Again no reply. A third call and another answering machine and no reply. I emailed the XXXX XXXX XXXX detailing my dispute. No reply. I then saw this showing up on my credit report and I disputed it there. No reply! Now today I see it STILL SHOWING on my credit report only now turned over to a collection company. There is absolutely no possible way this debt can ever have been verified because it simply does not exist. This is either a coding error or fraud on the part of the rental company.
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| 02/09/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have a garnishment by the XXXX XXXX XXXX XXXXXXXX XXXX XXXX who is collecting a past eviction debt for XXXX XXXX XXXX. XXXX XXXX XXXXXXXX has been collecting this debt since XX/XX/2019. National Credit Systems is a collection agency collecting a debt for XXXX XXXX XXXX as well, which is the same debt. NCS is reporting a balance of {$4500.00} on my credit report for this debt and XXXX XXXX XXXXXXXX is collecting $ XXXX/ Court documents. {$1900.00} has already been applied to this debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX but NCS is reporting on my credit report this same debt as {$4500.00}. I contacted the law firm who stated they have NO affiliation with this agency. I contacted NCS who stated they have NO affiliation with XXXX. The only thing both parties agreed on was not having affiliation with each other. 2 people can not collect on the same debt at the same time. This is illegal. This collection agency needs to take this off my report because I do not owe them anything. I'm court ordered to pay and has already paid 98 % of this debt already. It's bad enough I'm paying this kind of money for 1 month {$700.00} but to pay an additional {$4500.00} to a collection agency for {$700.00} is ludicrous. This debt is causing financial distress and undue hardship and needs to be removed from my report.
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| 02/19/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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National Credit Systems is reporting fraudulent information on my credit report. I did not sign any renewal agreement with the rental property listed on my credit report. I have never been notified of the debt, and I have disputed the matter. The dispute was closed and the credit reporting agencies have simply listed that I disagree. My co-signer, at the time, reached out to inform me that the property I used to live in sent a balance to collections. She then requested they verify the debt. National Credit Systems sent my co-signer an itemized breakdown of the balance owed. Our rights have also been violated in requesting verification of the alleged debt. Based on 1006.34 ( c ) ( 3 ) ( v ) - They did not provide any documentation showing that I signed a lease with the property listed. They did not provide any information on how to dispute the matter, and they did not provide insight on the appropriate address to send disputes to. They also did not provide insight on how to request the original-creditor information electronically. This validation was sent electronically in 2019!! It has been a horrible experience to have my information stolen and misused by a property. Please help! National Credit Systems has failed to provide accurate information and I really need assistance in resolving this matter!
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| 07/21/2022 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
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Web |
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This situation occurred in XX/XX/2016 where I was renting an apartment in XXXX, XXXX During the events of doing the walk through, we noticed spots on the carpet, mold on the walls, outdated appliances and bathroom. We advised the management that these issues need to be fixed prior to moving in. I paid the deposit and first month first for a total of {$1000.00}. When we moved into the apartment, things looked fine. Around 2 weeks later, I noticed the the stain in the carpet had gotten bigger and the wallpaper was peeling, revealing the mold. The maintenance department was called at least 3 times for various of reasons. Around XX/XX/2016, I was done begging to have issues fixed in the apartment and spoke with management about terminating my lease. The apartment manager at the time decided she did not need to do a walk through of the apartment and preceded to advise me to drop the keys off at the front office when I am done moving out. Now all these years later, the company decided that I owed money for the apartment citing damages were done to the apartment which I advised the collecting company that the apartments failed to do a walk through and anything after I left was untrue. They harassed me, ruined my credit, call me all hours of the day and night after I repeatedly told them to stop calling me.
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| 03/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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Reaching out regarding XXXX XXXX XXXX in 2017. My mom applied with my dad as him the applicant and her the co applicant. They approve it with my dad living out of state with his income. When came to writing up the lease agreement I had to undergo a background check and that I was adult i had to be a tenant cause the minors are occupants. They told my mom her and my dad were responsible. She was under that impression because that what she was told. I had no way to afford living there inwas not working. So we were misled with wrong information impacted my credit records only not my parents. I have the orginal lease due to the situation and unprofessional it was handled is preventing me to get my on place as it only showing on my record as landlord debt. My mom says it was just supposed to be her and my dad responsibility. I'm looking to get this debt remove from my credit records as it not mine and belongs to my parents cause that what my mom was told before having a lease agreement attach to the application. Was told I had to sign cause I will be residing there at that time. Because I was o her the age of XXXX I had to undergo a background for any criminal charges and for me to reside and being over XXXX that occupants are for minors. Since then I research that it was lie I could have been occupant.
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| 03/04/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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After reviewing my credit profile XX/XX/XXXX I identified a discrepancy with account listed under XXXX XXXX XXXX. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer. Partial verification was received however the documents were incomplete AS EXPENSES ARE NOT SPECIFIC AND ONLY DOCUMENTED AS CLEANING FEES. LATE CHARGES ARE NOT ACCURATE ACCORDING TO LEASE AGREEMENT AND DEPOSIT IS NOT INCLUDED IN THE ITEMIZATION THAT WAS PROVIDED and are contradictory to what is on the lease agreement. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation to include all items that were missing. As of XX/XX/XXXX I still have not received the complete requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the account belongs to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
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| 11/15/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I reviewed my credit report & noticed that a company by the name of National Credit Systems based out of Georgia was reporting that I owed {$2800.00} for a collection that I didn't recognize. Nor was I ever contacted by this company regarding this account or debt. I tried disputing the debt directly with the credit bureaus, they said that it was verified by National Credit Systems. I sent national credit systems a debt validation letter requesting more information. I sent the debt validation letter on XXXX XXXX. It was received by National Credit Systems via certified mail on XXXX XXXX. I have yest to receive any correspondence in regard to this debt or this collection. The credit bureaus continue reporting the debt/ collection when I have yet to receive any verification from National Credit Systems pertaining to this debt/ this amount. They have yet to inform me via mail as to why they claim I owe or am responsible for this amount. Please help me as I have tried all that I can to obtain information on this account that National Credit Systems is stating that I owe. I have tried disputing with all three credit reporting agencies. XXXX XXXX XXXX XXXX. All three state the account has been verified. National Credit Systems hasn't even contacted me at any point in time regarding this debt/ collection.
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| 10/15/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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The false debt is from a rental property that we rented in XXXX and early XXXX.
The original debtor, XXXX XXXX XXXX is attempting to collect monies that are not due, such as " owners commissions '' on the property. These amounts were never part of the original lease agreement and do not represent normal business practices for rental properties.
We disputed this debt back in XXXX of XXXX and then did not hear from them until XXXX of XXXX, where they told us we had 30 days to respond. We again disputed the debt with them and asked for documentation and disclosure documents to prove this debt.
On XX/XX/XXXX, we received our first letter from National Credit System , Inc. about this debt. We responded immediately with a written letter disputing the debt and asking for documentation.
They responded with the lease agreement with no mention the debts they mention and then made-up documents with numbers that are listed and no signatures.
We have now sent them three letters and have yet to receive any real documentation to uphold this debt. They have refused our request for disclosure documents and have sent documents with numbers lined out to reduce the debt owed in an effort to get us to pay a reduced amount.
National Credit Systems has placed a debt on our credit report which is false report.
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| 02/18/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I have reside in XXXX XXXX for 26 years I was evicted XX/XX/2016 and left an rental balance of {$700.00} a few days later after the eviction i received an notice stating the balance was {$7900.00} stating that i destroyed that apartment in XXXX. XXXX XXXX XXXX I have live in that particular apartment for 10 years with no repairs I've talked to the manager XXXX XXXX XXXX on several occasions trying to get this issue resolved she have stated that there were a video and pictures of damages from that unit and she have not produce and evidence stating the damages happened. After a year still trying to get this resolved she stop taking my calls I reached out to XXXX XXXX corporate office XXXX XXXX XXXX XXXX she stated that the account went to XXXX Law Firm Debt Collector XXXXNational Credit Systems XXXX this account has been bounce around to several debt collectors I've disputed this debt several times and it has come back to me as my debt is continue to show current all i owe is the balance due of the rent {$700.00} the other debt is not mine I've asked for a copy of the video and pictures which XXXX XXXX the manager of XXXX XXXX can provide to me. This debt has cause me to not qualify to buy a house and also i can not rent an apartment. I would like this debt to be cleared from my credit report and
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| 12/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I got an apartment in my son 's name in 2019 due to me having a broken lease on my credit report because my mama died in 2019 and I had to break my lease to go and stay with my elderly dad who can not care for himself. I then found an apartment that the manager assisted me with using my son 's name to get me approved for an apartment that she was managing. She said it was okay to use someone else name to get into the apartment complex. I had been living in the apartment for years until the manager allowed a 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 I was very frightened. I then moved out the apartment and left a balance with the apartment complex due to me having to relocate. The XXXX of the complex refused to let me take care of the debt and turned the debt over to the NATIONAL CREDIT SYSTEM in my son name. Me and my son has tried to contact the NATIONAL CREDIT SYSTEM to take care of the matter and they are refusing to speak to me. Now he is having issues getting a home or apartment and it is not his fault and the manager of the complex told me it was okay to use my son name to get the apartment.
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| 07/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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There has been no consent for this collection agency to furnish derogatory information on my consumer report. They had no right To buy and use my consumer report information from another debt collector and they have not validated the alleged debt with the original document showing the original creditors contract.
Below are Federal Codes in which have been violated 15 U.S. Code 1681b - Permissible purposes of consumer reports ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( ii ) the consumer has authorized in writing ( which authorization may be made on the document referred to in clause ( i ) ) the procurement of the report by that person.
15 U.S. Code 1692g - Validation of debts ( a ) Notice of debt ; contents Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer.
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| 01/30/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/XXXX, XXXX XXXXXXXX and the National Credit Systems was sent an email that had a debt verification attachment. In that document, XXXX XXXX and National Credit Systems were both asked to verify the debt of {$10000.00}. More than 30 days past ever since XXXX XXXXXXXX and the National Credit Systems received that letter. To this very day, no proof of the debt or validation attempts have been received by the National Credit Systems or XXXX XXXXXXXX.
On XXXX XXXX, my attorney filed a pro to vacate order to dismiss the eviction filed by XXXX XXXX.
On XX/XX/XXXX, XXXX XXXXXXXX attorney agreed that the eviction should be dismissed on the basis that I did properly notify XXXX XXXX of leaving the property and I did find someone to sublease the property. Since someone subleased and resided in the unit, the reported debt of {$10000.00} is inaccurate.
On XX/XX/XXXX, a local judge of XXXX XXXX approved to dismiss of this eviction. The debt is showing for the full amount on my credit history, which is inaccurate.
If the National Credit Systems can not legally validate the debt because another person resided in the property and was paying for the rent. If National Credit is unable to validate the debt, then they should rightfully delete the debt or correct it on all three credit bureaus.
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| 08/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Their has been unauthorized use of my credit report. I submitted a debt validation letter on XX/XX/21 in regards to this alleged debt with National Credit System. This alleged debt has never been validated and I demand it be removed from my credit report. This is unacceptable and in violation of the FDCPA. A furnisher may not furnish information that a consumer has identified as resulting from identity theft according to the FDCPA. No one is supposed to report to my credit report without permissible purpose. I never authorized or gave permissible purpose this company National Credit System to report on my credit report which is a violation of my consumer rights.I will bring this matter to the attention of the better business bureau and the office of attorney general of SC. Im a victim of identity theft and someone is using my identity to do things I have not authorized or the credit bureaus is reporting another person information on my credit profile. I am the original creditor, only I can validate this account. I do not validate this account. Therefore, the following account must be deleted from my report. I will seek litigation and {$1000.00} per violation for Defamation, Negligent Enablement of Identity Fraud, Violations if these accounts are not deleted immediately off my credit report.
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| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I noticed on my latest credit report, a new credit line was created for National Credit Systems dated for XXXX of 2019. I never received any information regarding this debt, no phone calls, no emails, no postal mail. Upon finding out about the debt through my credit report. I called National Credit Systems, they claim my debt is from an apartment I stayed at over two years ago that I left at the end of my lease with no issue. That apartment is now under new management. The new management is what shows up as the company that reported the debt but they claim not to. The new management has no records of me even staying there and said they can't help me with the investigation. They gave me the number to previous management but they will not answer my calls or emails and I believe they are no longer in business. National Credit Systems will not give me full detail of this debt, they lied and said they'd send it to me but it's now been 3 weeks and I still haven't received any email or postage. I sent a formal letter to them and they have received the letter but have not responded. I want this fraudulent debt eliminated from my credit report, if they can't provide me details of the debt I'm not liable. I have never missed a payment in my life, all my legitimate debts are kept current every month.
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| 06/28/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This letter is a formal complaint that National Credit systems is reporting inaccurate and incomplete credit information.
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account.
I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below.
Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
I demand that the following account be verified or removed immediately : National Credit Systems : {$300.00} Collection Under federal law, you have thirty ( 30 ) days to complete your re-investigation. Be advised that the description of the procedure used to determine the accuracy and completeness of the information is hereby requested as well, to be provided within fifteen ( 15 ) days of the completion of your re-investigation.
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| 10/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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Under Federal Law, National Credit Systems had 30 days to validate my debt. They failed, my request was for the support documents to be sent to me via my e-mail or by certified mail. My rights under FDCRA, the collection agency has " 30 days '' to prove the debt was valid per my request. They did not e-mail nor send the documents to validate the debt certified mail within 30 days. 30 days and " 30 days '' only, not 45 not 60 days. Furthermore, National Credit Systems claimed to have mailed me the documents twice? I have the USPS app which shows me what mail is being delivered to me on daily basis and National Credit System never mailed anything to me. National Credit Systems has over 2600 complaints filed with the CFPB for the lack of response and lying about debt verification. National Credit Systems has lost numerous lawsuits for misleading and false debt verification, violating federal law, and illegal debt collection methods. The fact of the matter, National Credit Systems did not provide validation of debt to me within the 30 days under the FDCRA. They can not prove to me the documents was ever sent to me by e-mail or certified mail as requested. National Credit Systems has a continued and documented pattern of violating federal law. I hereby demand they remove the debt immediately.
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| 09/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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My first notification of being in collections was from a company called XXXX. I called XXXX XXXX after applying for an apartment and getting denied. This is when I found out it was in collections. The collections company is National Credit Systems. The issue is I have nothing in writing prior to the XXXX. They acquired my account on XX/XX/XXXX and claims to have mailed a letter to me. I do not have one and never received one. I have paid the balance but it is not reflected on the account not have I received a receipt. My credit card reflects the payment but nothing from them. The rep XXXX who " assisted '' me got very personal. She is offended if you ask a question, if you are intelligent, if you don't like how she is yelling at you, etc. She kept putting me on hold and asking about the other person on my rental application. How is it they have my rental application with non pertinent collection info on it???? I'm concerned about my data. I think they are holding my payment because of her attitude towards me. The supervisor XXXX was not helpful in correcting the behavior. I paid them more than 24-48 hours ago as of this complaint and still no receipt. The online account does not show the payment either. Have I been scammed. XXXX is no help, unaccountable and fake collections people there.
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| 04/28/2015 |
Yes |
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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My significant other and I moved out of XXXX XXXX XXXX XXXX in XX/XX/XXXX. I was told by XXXX in which I would receive a final list of charges if any. We had not received any notice until XX/XX/XXXX from XXXX XXXX XXXX regarding a balance owed on the account. I immediately called the company in reference to the matter. Not fully being aware of what the charges were for, I spoke with representative XXXX XXXX. XXXX XXXX was very nasty in the beginning of our phone call stating that the balance has already hit our credit and when we were going to pay. I resulted in a follow up call with the matter XXXX XXXX. I called XXXX XXXX to discuss payment options and possibly setting up a payment arrangement. XXXX XXXX was very aggressive on the phone call and over talked me every way possible. I have never endured such disrespect when handling a possible legal matter. XXXX XXXX refused to let me become aware of my options, and yelled for me to pay the balance in full. I will never deal with this company with any of my business matters. I do not trust the employee of this company. I spoke with supervisor XXXX and he alerted me the information that she gave was incorrect. I will be serving this company with a cease and desist letter stating that I do not want this company handling any business matters.
|
| 10/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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I received a phone call from the debt collector in question on XX/XX/XXXX. I told the gentleman on the phone that I had no knowledge of the debt he was attempting to collect on and would be immediately disputing. He said he would be sending me all of the information on it and marking it as disputed. After discussing the above, i verified on my credit reporting app that no additional information was provided and actually discovered that the debt has originally been reported to all the agencies on XX/XX/XXXX. The debt collector proceeded to violate Section 809.a of the FDCPA by failing to provide me written notice, within five days of initial contact, of all necessary information regarding the debt. They also violated section 809.b by reporting the debts to the credit agencies without making contact with myself and eliminating the thirty day period to provide written notice of dispute. Thus eliminating my ability to properly dispute a debt as required BY LAW. They have also allowed the collection attempt to remain active on two of three credit bureaus after being notified of my dispute. Due to these violations and failure to provide adequate information, I have repeatedly requested the debt to be removed from my history because as far as I know this is a fraudulent debt collection attempt.
|
| 04/01/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I am XXXX XXXX and I am submitting this complaint against NATLCRSYS XXXX XXXX XXXX NATLCRSYS XXXX XXXX XXXX has this INACCURATE account/item on my consumer report/file and I DEMAND for a IMMEDIATE DELETION ( Exhibits provided ).
All three of these Bureaus have INACCURATELY furnished this MISLEADING AND DECEPTIVE account on my consumer report/file and I did not CONSENT, AUTHORIZE NOR BENEFIT nor gave a written permissible purpose to NATLCRSYS XXXX XXXX XXXXto FURNISH this account/item.
The DATE OPENED is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXXXXXto delete this account/item within 4 BUSINESS DAYS ( Exhibits provided ) The TWO-YEAR PAYMENT HISTORY is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXX ( Exhibits provided ) The LAST REPORTED is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXto delete this account/item within 4 business days ( Exhibits provided ) The DATE LAST ACTIVE is INACCURATE and I DEMAND NATLCRSYS AND XXXX APTSto delete this account/item within 4 business days ( Exhibits provided ) The DATE OF LAST PAYMENT is INACCURATE and I DEMAND NATLCRSYS XXXX XXXX XXXXto delete this account/item within 4 business days ( Exhibits provided ) NATLCRSYS AXXXX XXXX XXXX duty is PROVIDE 100 % ACCURACY on consumers reports and THE EXHIBITS I PROVIDED SHOWED THEY HAVE FAILED!
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| 07/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
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Web |
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On X/XX/2014 I signed a notice to vacate as well as the management of the apartment complex ( XXXX XXXX XXXX ) and they agreed to break my lease with no fee as letter states. I am in the process of fixing my credit for mortgage purposes and realized that I have a broken lease fee on all XXXX of my credit reports so of course I disputed it and it came back verified. I contacted the creditor ( National Credit Systems ). I called sometime in XX/XX/XXXX as king to speak to a supervisor and was transferred to XXXX . I advise him that I had proof that the complex agreed to break the lease with no penalty and he advised me to mail it in. I did just that and once it was delivered, I called XXXX back and was told that I violated my lease by giving my notice a couple weeks prior to the 60 days and they will continue to seek payment.
Notice to vacate agreed and signed on : X/XX/2014 Dat of move out : X/XX/2014 I was on a section 8 program ( housing authority of XXXX county ) and they were paying the rent, so this notice to vacate had to go through may channels before being approved considering they were paying the full monthly rent at that time. XXXX XXXX was paid fo r XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX so I 'm not sure why there is a fee.
|
| 03/06/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This is a formal complaint that the company NATIONAL CREDIT SYSTEM continues to report misleading, and unverifiable information on my credit report. My first attempt to dispute the validity of this account through the three credit bureaus ( XXXX, XXXX and XXXX ) and NATIONAL CREDIT SYSTEM was on XX/XX/2021. Since then, NATIONAL CREDIT SYSTEMS has not responded to me with verifiable proof. They continuing to report a collection account on my credit report. The account number is # XXXX. They are alleging that I owe {$1100.00}. By law they are required to show me proof with original documents with the agreement showing the amount that I owe and proof that I owe them. They continue to ignore me, and I feel I am being taken advantage of. This account is hurting my ability to obtain credit and is tremendously affecting my credit score. I have not saw any proof that this account belongs to me.
They sent me a generic paper showing the balance of the account at {$0.00} owed and on my credit report claims I owe {$1100.00}. They are obviously reporting a fraudulent account. I am not familiar with this account at all. This company has cause me so much XXXX and financial stress. I am requesting that they delete all my information from their system and stop reporting or I will take legal action.
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| 11/14/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Older American |
|
XX/XX/2023 : I received a call from National Credit Systems regarding a loan amount of {$9100.00}. to secure an apartment in XXXX, Michigan. The apartment is : XXXX XXXX XXXX West XXXX XXXX XXXX XXXX XXXX, MI XXXX This is a clear example of identity theft. I live and own my home in XXXX, NJ. I advised the debt collector that I did not open up this account, nor do I live or ever lived in XXXX, MI.
I recently made another call to the National Credit Systems collection company stating again, a fraudelent account obtained by identity theft. The woman advised me to file this claim via FTC.Gov. She also advised me to file a claim at my local Police Department in XXXX, NJ. I have notified all XXXX credit reporting companies as well.
I would like to have this case investigated. I have not been in contact with the apartment manager on the premises as I dont want to scare the perpetrator away or go underground.
This collection is adversely affecting my credit rating. Please help. jThis loan was taken out using my name and credentials. I have been a victim of identity theft in the past ( XXXX ). Subsequently, I have been signed up with credti protection with XXXX and XXXX. Neither had reported this to me, until very recently, much after XXXXXXXX XXXX when the loan became due and delinquent.
|
| 09/03/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.
2. What is your authorization of law for your collection of information?
3. What is your authorization of law for your collection of this alleged debt?
4. Please evidence your authorization to do business or operate in this state.
5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature.
6. Please provide a complete account history, including any charges added for collection activity.
|
| 04/07/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
This company who I have never did business with have its customer service representatives call my phone daily and be very rude. I just moved successfully out of an apartment that now has sent my information to national credit systems. This company has violated my consumer rights. I WANT NATIONAL CREDIT SYSTEM TO TAKE ALL OF MY INFORMATION OUT OF THERE SYSTEM. I HAVE PICTURES AND PROOF. I WAS THREATENED By A NATIONAL CREDIT SYSTEMS WORKER. SO I PAID XXXX dollars. This company For XXXX XXXX XXXX. I successfully completed my lease and have pictures to prove it. NATIONAL CREDIT SYSTEMS NEED TO GO OUT IF BUSINESS. I HAVE NEVER DID BUSINESS WITH NATIONAL CREDIT SYSTEMS AND WOULD LIKE MY INFORMATION OUT OF THERE SYSTEM. I DEMAND THEM REACH OUT TO ME FOR PICTURES AMD FOR THEM TO GIVE ME MY MONEY BACK. National credit system bought my account from XXXX I never willingly provided national credit system my information. A representative from their company called me and threatened me to pay XXXX dollars. This company is illegal and should be out of business. Give me my money back. I have sent several pictures to national credit systems and they will not respond. Why XXXX XXXXXXXX do National Credit Systems have my information I dont do business with them. This company is violating 15 USC 168 1B
|
| 02/05/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and have been since XXXX. I view my credit report often to see if my SSN, my address and my name has been stolen. Indeed it has been again.
The person who stole my identity is XXXX XXXX. He left a balance of XXXX on XXXX at an apartment complex in XXXX XXXX Florida. I have never lived in XXXX XXXX Florida or have I ever visited this city.
Another way I found out about this individual is because the spelling of my first name. He uses an incorrect spelling. He also uses my maiden name.
National Credit Systems is now on my credit report. I have notified the FBI, IRS, SSN, my local police office. I have made reports to all offices. This person also had bank accounts with XXXX XXXX XXXX, XXXX XXXX and also has a import/export business out of XXXX XXXX Florida. Every time I have been close to finding this person by informing these institutions of my stolen identity, this person relocates and leaves my credit in shambles.
I attempted four times to call National Credit Systems. I have left messages and no one calls me back. I called again today and the representative who handles these type of cases left a message but right before the agency closed for the day. I left a voicemail again.
I feel violated and I feel no one is willing to help my situation.
|
| 07/13/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX of 2016 I atttemoted to rent an apartment from XXXX XXXX in XXXX AZ. I walked in the apartment and it did n't seem like anything was wrong. I signed the lease. After this I inspected the apartment while moving in. The apartment was not livable or move in ready. The bathroom tub was not cleaned or restored, the outlets didnot work, the dishwasher was disgusting, the refrigerator did n't work, there was bees, bugs and cocaroaches infested in the apartment. During the first week I called the police 3 times due to the u safe environment. I have XXXX small children who were scared to stay in the apartment. There were people and men outside my window at all hours of the night. During that week maintenance men were in and out of my apartment attempting to fix all the wrongs. I spoke to managment serval times and ask for different apartment and location. They denied me and said they had none avaible. I gave notice I would leave this apartment within the week, which I did. These people placed a debt on my credit report for this lease in the amount of {$3400.00} dollars. I am unable to lease a home due to this. I have disputed this debt in hopes it will be resolved if not I will sue this apartment complex and will be contacting fair housing act and the better business 's bureau.
|
| 10/06/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I put in 60 day notice, and honored my lease. I do not owe this company anything! This company has the Audacity to say i owe them anything when they have done absolutely nothing but stolen from me and made my son sick!
while i resided their, i learned from my sons pediatrician that his LEAD level was a 7.5 which is 3.5 points away from hospitalization!!!!!!!!!! This scum of apartment complex could have killed my son! we haven't lived there for 3 months and although his levels have went down a little they are still high! my son is on strict pediatric supervision right now! I pray that they shut this place down before they kill a child!
ALso while i was there their staff stole my iphone, ipad, and LV shoes!!!!!! they have also tacked on charges i didnt owe to my account all the time!
Everything breaks in that apartment, it flooded because their pipes were bad 4 times when i was living there. all of my items got damaged! Unsanitary living conditions. We were left with no water, no running toilets, no lights multiple times. My XXXX year old son and i lived in XXXX their!!! i cant believe they have the nerve to say I OWE THEM ANYTHING!!!!!!! I called last month and talked to a male at the front desk who even confirmed i dont owe anything and to disregard the letter i received!!
|
| 03/08/2018 |
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
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I discovered that National Credit Systems Inc was reporting a reporting a debt of XXXX to all 3 credit reporting agencies. I discovered this after applying for a mortgages. The debt was for an apartment that I moved out of in XX/XX/XXXX after giving a 30 day notice. In XX/XX/XXXX I contacted the collection agency and apartment complex requesting a breakdown of charges and validation. I gave my 30 day notice and used my complex as reference to obtain my new apartment. I was not under a lease at that time and my rent was only XXXX at the time I moved out.
On approximately XX/XX/XXXX I sent a letter to the collection agency for a breakdown & explanation of charges. I got no response. So I started contacting the credit bureaus regarding this debt. I disputed the account online with XXXX & it was removed after the collection agency couldn't provide proof of the debt. I was unable to find options for reporting the debt online for XXXX & XXXX so chose to wait until I was able to pull & print my annual report & write them then. I contacted XXXX & XXXX by certified mail on XX/XX/XXXX. Then on XX/XX/XXXX, XXXX reported that they were unable to remove the debt it came back as validated. I have yet to see any information. As of XX/XX/XXXX I still have not heard from XXXX.
|
| 01/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The bankruptcy case is XXXX filed on XX/XX/2020. XXXX XXXX is listed in that bankruptcy and received notice by letter that this amount was included in the bankruptcy. In addition they gave approval for me to vacate early due to a cockroach infestation. I did not receive any communication prior to this being added to my credit so that I could dispute it. It was added to my credit as if incurred in XX/XX/2020 when I moved out before XX/XX/2020 and it was added to my bankruptcy when filed on XX/XX/2020. At that time this debt was no where on my credit bureau reports. However now it is on all my credit bureau reports in violation of fair credit reporting requirements for persons who filed for bankruptcy and where the entity owed was notified of the bankruptcy prior to credit reporting. I have attached some communication. I had already told XXXX from the beginning of XX/XX/2020 I would move out. He was waiting on the approval from the Corporate office, which he received and sent an email. The Property Manager of XXXX XXXX had also sent me an email captioned move out statement in which the total was miscalculated. XXXX XXXX was well aware of my bankruptcy before submitting this to a collection agency and also intentionally submitted erroneous information to the credit bureaus.
|
| 06/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Over the past year I have disputed the collections account with XXXX XXXX XXXX in the amount of {$7700.00}. This was a joint rental agreement with my now ex-husband, XXXX XXXX, and myself. In XX/XX/XXXX, the property manager and myself had a conversation about me losing my job due to COVID-19 and I was no longer able to pay my part of the rent. I also advised the property manager that I had applied for unemployment and was waiting for an acceptance or denial. The property manager allowed myself out of the rental agreement and my ex-husband, XXXX XXXX, would remain on the lease and the remainder of the lease agreement would be his responsibility. I moved out of the apartment on XX/XX/XXXX. This was all done via face to face communication and no documents were provided to me to sign to confirm this agreement. On XX/XX/XXXX, the collection account was removed from my credit report. Now as of XX/XX/XXXX it has been placed back on my credit report. I would greatly appreciate XXXX XXXX XXXX to follow up with the verbal agreement we had about releasing myself from all financial responsibility for the remainder of the rental agreement and have it removed from my credit report with all three bureaus. This collection account is solely the responsibility of my ex-husband, XXXX XXXX.
|
| 01/10/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I was an on-site Property Manager at this apartment community. I was offered a free apartment if I lived on-site ( on-call ).
I submitted my resignation letter giving a two-week notice.
AFTER I leave the company and move out, I am sent a letter stating this HUGE account is in collections, an account I never knew about! I fulfilled my two-week notice period and moved out that next day.
I reached out to the collection company to provide documents pertaining to this debt and found an account ledger that charged me rent TWICE. The agreement was that I would receive my discount until the end of my employment. I contacted the corporate office and requested someone call me to discuss these huge discrepancies. They never called back, but a few weeks later I received a letter from an attorney 's office stating that the original creditor has requested counsel in discussing this debt. WHAT?
This is ridiculous. I was never told I owed anything while I was living there. I was never notified of a balance due at move-out. I was never contacted by the property after moving out - that I had a balance. They charged my account with fraud expenses, sent it straight to collections, and are now putting up a wall to any communication other than through an attorney. Is this even legal?
|
| 03/06/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I was contacted by XXXX XXXX with National Credit Systems in XX/XX/XXXXto collect debt from a previous landlord ( XXXX XXXX ). I explained that this debt was not owed and I was not informed of this prior to her phone call which was 3 months after I moved out. I explained that I wanted to dispute it.
A letter was sent to my Mother in Law 's home in XX/XX/XXXXstating my dispute was denied for insufficient documentation.
When I called to speak with XXXX she was aggressive, uninformative, and hung up on me when I asked questions.
I asked simple questions such as who would I be paying? And was told her client is disclosed. I am not able to obtain the owner 's information.
I asked her how the process works and she got defensive and asked if I am going to pay or not? And would not give me any information about her company and their process.
XXXX was the rudest person I have ever encountered. She had no intentions on assisting me with resolving this issue.
The only thing I gathered is that I can not dispute the charges with ANYONE because she will not give me the owner 's information and she is not willing to discuss my dispute.
I read reviews calling this company a scam and I fully believe it. My credit score is severely damaged and I am unable to resolve this debt.
|
| 12/10/2019 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Hi Team,I was staying in XXXX XXXX apt in XXXX ,MI from XX/XX/XXXX till XX/XX/XXXX. Due to a family emergency i left XXXX on the month of XX/XX/XXXX. i left some stuff in my apt, where XXXX XXXX hired profession to throw them away (As per my request) and charged me a final bill of $XXXX.I came back to USA in XX/XX/XXXX, XXXX XXXX XXXX XXXX called me and requested me to pay this amount in full. when i checked my credit score it came down since it has been reported to credit bureau.I contacted XXXX XXXX, they gave me a final bill and requested me to pay it direct to XXXX XXXX XXXX XXXX. i paid the amount in full, XXXX XXXX (XXXX XXXX) removed this impact and my score were normal in the month of XX/XX/XXXX.Now a new company called National credit system collection agency from XXXX,GA is requesting me to pay the same amount in full. when i sent them all necessary information, and told them that i had paid this amount in full through XXXX XXXX XXXX XXXX. But they again bought my score down in the month XX/XX/XXXX and requested me to repay the amount only then they will remove this from credit bureau.I humbly request team to investigate and kindly provide me a solution for this. I tried to contact club meridian apt but no response and this is going on for the past 3 months.
|
| 07/14/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
on XX/XX/XXXX National Credit systems responded to my proof of validation letter by sending be a packet and my signature has been forged. I sent a letter back stating that it is my signature is not the signature on the paperwork that they sent me. I also sent proof of my signature via drivers license and other signed documents. NCS ignored my letter. I called them several times to ask who signed my name on the paper and the represent ivies that they transfer to me will start to yell. I Sent another letter asking for validation of the signature and validation of the contract, They sent back they same exact packet that they sent before dated XX/XX/XXXX. This is not my signature and also not a valid contract. A Contract must show valid signatures of the parties to the Contract instrument, in order to verify its validity in law. Contract must be a deliberate and conscious agreement made between competent parties. there is only one signature on this " so called '' contract. Also, the lease expired on XX/XX/XXXX I then went on a month to month lease with the company and worked for rent. This paper that NCS sent me states that the reason that I moved out was because I no longer worked for rent. NCS must prove that I owe XXXX to them or any company that they are representing.
|
| 10/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Seized/Attempted to seize property
|
|
Web |
Servicemember |
|
I received a letter on my job in reference to an outstanding balance of {$1000.00} on account # XXXX. The letter reference the balance and advised its an attempt to collect debt. Further down in the letter it stated " If our client initiates a lawsuit and obtain a judgment against you, the may pursue their lawful recovery options, which may indicate any or all of the following based upon legal procedures allowed : Garnishment of wages ( states excluded : XXXX, XXXX, XXXX, XXXX ), liens placed on property including automobiles, real estate, or other real property, and seizure and auction of personal property. They were contacted on XXXX/XXXX/16 and was advised a payment would be made on XXXX/XXXX/16 which is a Saturday. I was contacted by phone on XXXX/XXXX/16 at XXXX from XXXX by a gentlemen asking me questions about why my daughter made the payment arrangements, why did n't I call and then stated my wages would be garnished and was trying to help me out. I was very uncomfortable with the call and the reason why this gentleman was asking questions by daughter and the threat issued. Unfortunately I was n't able to catch his name because the call really made me nervous and uncomfortable. I was advised he and the company violated the fdcpa laws by issuing a threat to me.
|
| 11/30/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/XXXX I found out that I have a property debt on my credit report for {$3400.00} owed to XXXXXXXX XXXX XXXX XXXXXXXX. I moved out of this property XX/XX/XXXX only after being there a few months and had very bad bug problems that never was fixed. Before moving Myself and my partner at the time were taken to court for 2 months rent or eviction was in process. We paid this payment to the apartments after court and still eventually moved. Fast forward to XXXX and National Credit Systems is on my credit for this property and for an amount I KNOW I DO NOT OWE. There is also XXXX XXXX on this account and she was never on the lease and is no longer living. I have called Nation Credit Systems over 5 times since finding out about this debt and trying to explain to them that this is fraud in so many ways and I need a Legal Document that originated from the apartments that itemizes the charges. I have been Hung Up ON, Talked So RUDE Too and Very over all unprofessional to me while I am in need of help with this. I was then emailed on XX/XX/XXXX a Noticeable made up copy of the debt and " ADDITIONAL CHARGES '' that have amounts but NOT What it is for. There is alot of Illegal things going on with this account and I really need this off my credit. I DO NOT OWE THIS MONEY.
|
| 07/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I reached out to XXXX to dispute information on my credit report from National Credit Systems Inc from XXXX XXXX XXXX. It previously stated that I owe XXXX and is now showing that I owe XXXX as of XX/XX/XXXX.
XXXX XXXX filed an XXXX on XX/XX/XXXX with the XXXX XXXX Justice court and got a judgement for {$710.00} Case # XXXX. I was on XXXX XXXX XXXX, I was working and did not update my information and owed money on rent. My mistake. XXXX XXXX wanted me out because they wanted to raise the rent. I did not damage the apartment.
Palm terrace then submits a report to National Credit Systems on XX/XX/XXXX for the amount of XXXX. There is a big difference between {$710.00} and {$7100.00}. It has been on my credit report for some time. This has had a big effect on my life.
This amount is incorrect. I did not do XXXX of damage, and if it was the case, they would have submitted it to the XXXX XXXX Justice Court when they XXXX me. They have no documentation, photographs, or receipts that show I did this that is why they did not present this to the court. XXXX XXXX even pays a vacancy amount when tenants are evicted. I believe it is a 30 to 60 day vacancy fee.
I would appreciate you looking into this matter. I am sure XXXX XXXX XXXX has done this to other tenants.
|
| 04/15/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had a debt of {$310.00} to an appartment complex due to a randomly assigned roommate smoking in the apartment and me being charged with a smoking fee. I refused to pay because it was not legitimate but fast forward a couple years and now I am looking to buy a house. According to my lender, simply paying the debt would not raise my credit score but having it removed from all 3 major beauros would raise my scores significantly. I explained this to the representative with whom I talked about payment of the debt. I agreed to pay on the condition the debt was removed from all 3 major beauros. I checked their website for a confirmation and the letter only showed the debt as being paid off, not removed. I called back and they claimed that they can not put the removal in writing as it is against their policy for some reason. When I asked for copies of the phone recordings in order to see if they mentioned this before the transaction they refused to send copies. So now I have no proof other than their word that they actually removed the debt like they claim to have done and am forced to wait 60 days which means I could miss out on an opportunity to buy a home before I have to re sign my apartment lease ( different apartments than the one that charged the smoking fee ).
|
| 11/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
National credit system showed up on my credit report for {$6000.00} I was unfamiliar with the name so I got they contact off the internet and gave them a call and was told that it was a debit collector for XXXX XXXX XXXX ( old residence ) after I we was on the phone XX/XX/2021 I was told that I would receive something by email few days went by never received anything by email called the company multiple time and was told different things that another department was going to send it check my junk mail still nothing sent them proof that the back rent was paid they claimed they never received it few weeks later still nothing gave them a call again and asking for verification of the debit after requesting to speak to a manager the manager was rude which cause me to get rude still never received the documents sent a certified letter requesting them to respond with in 10 days with the documents I'm requesting ( XX/XX/2021 ) by mail since I was never receiving the emails they claim they have been sending gave them a call and was told that it could take up to 30days gave them a call and the same manager handle the call and broke down what was on the report and finally emailed me but refuse to give me anything supporting the claim that I had did damages to the property
|
| 09/19/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have attached a Complaint letter.
This complaint is regarding the credit unions namely XXXX, XXXX and XXXX. My identity was compromised in the year 2016 which I was not aware of then. I received my social security number around that time and not being originally from the United States of America, I was not aware of the term identity theft and how it can affect your life. Unfortunately, being a victim of identity theft myself it has not been easy life since the year of 2016. It has been over 2 years since I am constantly requesting and disputing accounts in my credit report which was not opened by me. The credit bureau has not been very cooperative, I have sent several letters stating to send me proof of verification or else delete the accounts.
XXXX deleted all unverified accounts but failed to remove all non-account holding inquiries.
XXXX and XXXX did not delete any unverified account, nor did they send any verification of the accounts.
I request Consumer Financial Protection Bureau to help me with this issue and protect my rights as this issue has affected me emotionally as I can not purchase a vehicle or house for myself or my family. This inconvenience caused to me for all these years and I would want to be compensated for my time and struggle.
|
| 03/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
National Credit System is reporting inaccurant information on my credit report.
They are reporting that I owe them XXXX dollars from an apartment who are misrepresenting our arraignment and providing the with inacurate information.
The apartment complex had my correct address and fowarded mail was provided but did not send me the letter advising when and why they reporting my debt to a debt collector. I recieved other mail to my new mail box- they did not even attempt to send me a debt collection letter. If they did I would have challenged the inaccuries of their report. XXXX began being fowarded XX/XX/XXXX which is a few days before I moved out.
They were very nice in talking and never answered my emails back, but only would come to my door and talk.
They were offered back pay before this time they reported this information and refused the accept the money and National Credit System has not been able to provide me with any truthful information involving this debt, but yet sent the paper to Nation Credit system without sending it to me so I could defend myself.
This has caused me to have to leave in a homeless shelter because I am not able to get adeqate housing. I have disputed this account already and will attached open dispute in this complaint.
|
| 09/19/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
XXXX has violated several federal laws and are reporting inaccurate information on my credit report without being able to provide proper validation/verification of debt as required by law. On XX/XX/XXXX, I sent a Validation of Debt request under 611 ( 15 U.S.C. 1681 ) and asked for physical verification of the consumer contract under Section 609 ( a ) ( 1 ) ( A ). Please see attached XXXX did not respond within ( 30 days ) the time frames required by law, so I sent a No Response within 30 Days letter which was received by XXXX on XX/XX/XXXX. Please see attached On XX/XX/XXXX, I sent a third letter to XXXX requesting Validation of Debt under Section 609 ( a ) ( 1 ) ( A ) which specifically requires XXXX to prove the physical validation of a signed contract between myself and the alleged creditor. Please see attached.
This is a complete violation of the law, and this is also hindering me from gaining proper housing. I do believe if XXXX could legally verify the account in question they would have sent proof by now. Since they have not and fail to remove the inaccurate account from my report they should be fined and held to the standard of the FDCPA.
To date XX/XX/XXXX, I have yet to receive any investigation results. These are clear violations of the law.
|
| 10/14/2019 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I did not have a least at XXXX XXXX XXXX XXXX when I moved out of unit XXXX I was told that she meaning XXXX would walk the apartment and submit a request for a refund for my Deposit since the unit was in really good condition after I had clean it and returned the keys before XX/XX/2019. I gave XXXX my forwarding address XXXX XXXX XXXX Tx, XXXX. I was told I did not owe anything and I do not have a balance with XXXX XXXX XXXX. I even got XXXX to write me a letter saying that I did not have a balance. I never heard from XXXX and I wanted my deposit back after a few weeks I called and left several messages and XXXX never replied. I tried to apply for another apartment and I was denied approval because XXXX had put false information on my credit report. XXXX signed a least with another resident for unit XXXX on XX/XX/2019. She reported that I owed {$700.00} for the same month. I asked XXXX what happen to you refunding my deposit? She did not answer. I have never gotten a bill from this apartment complex until I applied at XXXX XXXX in XXXX they do a background check with XXXX XXXX. Currently, I am XXXX because of false information being reported.XXXX need to provide a least that starts on XX/XX/2019 or the false information should be taken off my record.
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| 10/07/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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To : The Office of Registered Agent for National Credit Systems XXXX XXXX XXXX XXXX From : XXXX XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX XXXX XXXX is authorized to administrate ( acting trustee ) on the XXXX XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX XXXX, you and the original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX XXXX. Courts require your contract for jurisdiction.
I have the right to request this information due to the freedom of information act and equal opportunity act.
Consumer disputes this debt and ALL claims in accordance of 16 CRF 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.
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| 05/29/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In XXXX I was contacted by a debt collector called ( NATIONAL CREDIT SYSTEMS XXXX. XXXX XXXX, XXXX, GA XXXX XXXX. They informed me that there is a debt on my account from my previous apartment. I asked them what the reason was and they said it was due to a ruined carpet/rug and utility bill. I offered to send them pictures and bill proof to prove that I left the apartment in good condition since the leasing office refused to do a walk through with me but they declined. I asked for an evidence of their claim and they didn't respond nor provide them. I didn't know that they had already put an adverse report on my credit history ; sometime in XXXX, XXXX, when I ran a credit report, I found the adverse report and contacted. They said they were in the process of passing the case on to a lawyer and would be heading to court. I am a foreigner and the thought of going to court for something I didn't do, is so scary ; so I asked them what I needed to do and they said to pay every dime off and that it would be out of my report. I went ahead to pay for something that I knew absolutely nothing about all in the vain of continuing to live peacefully. I ran a credit report today ( XX/XX/XXXX ) and to my surprise the two negative reports are still in my credit report.
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| 11/07/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XX/XX/2018 - my apartment was subleased out.
XX/XX/2018 - the subleasee left one month early without paying the rent.
No notice or anything from apartment complex.
When I saw it on my credit, months later. The apartment complex said that the collection has been already sold, and there was nothing they could do to remove this anymore so I would have to dispute it.
I have tried to dispute it three times, and Im not sure if Im technically legally responsible still or what the case is. I cant get an apartment until this is paid off. I called the collection company in hopes I can at least negotiate it or make payments. After two days of attempting to reach the representative that Im assigned to with no luck, I went online to make a {$50.00} payment - thinking I could at least do my own payment plan by myself. After no email or anything regarding my payment, I figured I would try calling one last time. I surprisingly got a hold of my representative. Weird, she couldnt return any of my voicemails but okay. I told her I didnt receive a copy of my receipt and she told me it isnt in their policy to do so. Im extremely uncomfortable paying {$1000.00} to company who doesnt even give proof of payment. Nor do I even know if Im even legally responsible.
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| 10/13/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I spoke with representative on XXXX XXXX, XXXX regarding a debt that showed up on my rental report. I requested a letter of deletion as this debt is invalid. Representative stated that company claims last months rent was reported as unpaid and additional fees were assessed, totaling the debt amount. Representative recommended sending in supporting documents such as bank statement showing receipt of rent payment. According to FDCPA, debt collectors are required to provide proof of debt, in which I have not received. I explained to the representative that I sent in a written dispute in XXXX XXXX, in which the judgement ( Docket # XXXX ), as well as collection, connected to the debt were permanently removed from all credit reports. Representative confirmed that account has been disputed online and via a third party agency, yet no debt validation has been received. Debt collectors are required to send a written debt validation letter within five days of the initial dispute, which in this case was XXXX XXXX. Given that the debt has not been validated, nor has it been proven that any debt is owed I am demanding that National Credit Systems permanently removes account # XXXX from rental report, and verify that no further collection efforts will be made.
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| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I lived at XXXX XXXX XXXX, Apartment XXXX, XXXX, TX XXXX from XXXX XXXX to XXXX XXXX. In XXXX of XXXX, I received an email from the apartment stating that I owed XXXX to them for damages to the apartment. This debt was paid in full by money order on XXXX, one day before their deadline of XXXX. I received an email from XXXX XXXX on XXXX confirming that the amount owed was paid in full and never heard another word from them again.
In XXXX of XXXX, seven months after paying off the debt, the apartment reported to a collection agency that I still owed XXXX. I did not discover this until i had my credit pulled. Not once ever have I been called, mailed, emailed or even remotely contacted about this debt. All attempts to contact the apartment management have failed and they do not respond to calls or emails.
The worst thing about all of this is that not XXXX person from the debt collection agency has contacted me regarding this so called collection, and it has become a massive burden on my credit report. The apartment refuses to speak to me unless I can provide a money order receipt, which I do not have as this was three years ago and I have lost it. I do have their emails, however, confirming the debt was paid! But even that will not satisfy them.
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| 03/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted me instead of my attorney
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Web |
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National Credit Systems Inc sent me a letter XXXX XXXX, 2016 offering to reduce my debt if I sent the money in by XXXX/XXXX/16. But they did not send it out until around XXXX XXXX after speaking to the male supervisor it was clear that the intention was never to allow me to pay the reduced amount of XXXX. There was no date on the envelope sent by the credit company so they could and did say that the letter was sent before the closing date on the letter, and blame the postal service for the delay. The supervisor is very disagreeable and rude and seem to be counter productive to getting the companies payments from the customers. This supervisor places on my file what he choose to, after I asked him to put on my file that I am willing to accept their offer of paying XXXX but I could not afford to pay the full amount of XXXX. This debt was bought from the XXXX XXXX XXXX in XXXX Michigan. I feel that the National Credit system is deliberately misrepresentive of their offers to reduce your debt because they do n't give you time to respond to these requests and blame the postal service for being too blame for the delay when it is clear that if they had sent the letters out in a timely manner I would got it in time to respond to the offer they sent me.
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| 11/16/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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XXXX 2017 I contacted National Credit Systems out of Georgia regarding a debt they claim I owe to an apartment complex. I spoke to several people there that used profane language and stated " it does not matter what I do, its not coming off my credit report until I pay '' They also stated they are not required to and do not have to provide me with the original creditors contact information to dispute after asking several people in their office. I have contacted the supposedly creditor using published phone numbers however they have no record of me owing them anything but also mentioned they are maybe the 6th owner in a few years. I also have an email referencing this. The collections company was made aware of this and still refuse to provide the creditors info so I can dispute. The paperwork that was sent to me came from XXXX XXXX XXXX XXXX XXXX XXXX however that 's not what is on my credit report and paperwork shows a XXXX balance however they are still going forth with collection efforts and no contact info for the original creditor. This has caused me not to be able to obtain residency and is forcing me to maintain current residency which I can no longer afford. If this is not resolved soon, I will be forced into a homeless situation.
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| 03/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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XXXX shows a false credit issue via XXXX in XXXX, MS . I will attach supporting documents for this claim, as it has been dragging on, intentionally by XXXX/National Credit Systems/XXXX/XXXX. I request they delete Acct # XXXX from my records immediately. The debt is incorrect! I gave a timely 30-day to notice to vacate ( and left the place SPOTLESS ), however, my records should not be tarnished due for their lack of sufficient Administrative help, since they did n't acknowledge receipt in a timely manner. I have been working on this for almost 6-months, providing as much documentation as I can to get this resolved. This has caused tremendous stress and I may now have to seek legal council ( which will cost more money ) for assistance, and if so, I will request reimbursement for legal costs incurred. This is a scam on the part of all parties involved and the XXXX of it all has caused me to miss work. This is a very important matter, that I do not owe and they had the audacity to send a " 50 % Debt Reduction Offer '', as a resolution. I DO NOT OWE THIS and this incorrect item has caused me to be denied residency. This is a false claim and very unprofessional of all parties to have allowed this incorrect issue to linger. Please correct ASAP.
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| 05/20/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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First I received a notice in the mail but not until XX/XX/XXXX I moved from there XX/XX/XXXX.I immediately contacted them to dispute that this was mine and they had already sent it to collections and put it on my credit 2 months prior to me receiving the notice.I was very upset to say the least.An error had been mADE I explained to the lady on the phone and I could proove I immediately put the docements together and sent to them in return I wanted to see what proof they could provide and OF course it was nothing but hand written lies .I asked for photos since they were trying to charge me for damages and they have yet to provide me with any.I however have plenty of photos prooving that there was a leak in this apartment and the mold damage, and along with a letter from the management ackknowledgement that I would not be charged damages and that I was moved out XX/XX/XXXX and they still wont remove this collection.This has caused me to not get employed in my profession and Im also trying to buy a house.Also I moved from this place in XX/XX/XXXX. Why did it take over 2 years for them to decide to place this file in collections? This file was placed on my credit report XX/XX/XXXX why not after I moved in XX/XX/XXXX if this was really mine.
|
| 07/06/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I obtained my consumer report and saw inaccurate and illegal information being reported and Pursuant to section 15 usc 1681a under the exclusion section number B states that anything extended or authurized from a credit card should be excluded from a credit report. According to definitions section 15 usc 1602 ( i ), the term credit card means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor or services on credit.This is meaning a credit card from a bank of any form is not allowed on my consumer report and in fact they are illegally reporting information to my consumer report. This information can not be verified or accurate unless the company interviews with neighbors, friends, or associates but however such information shall not include specific factual information on a consumer credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer, according to section ( e ) of 1681a definitions. I am in disbelief of this matter and my ability to obtain credit has been hurt because this company has not followed the laws that has been set in place.
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| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX is in violation of Florida Statue Chapter 83 Part II concerning me I contacted XXXX XXXX to complain about the serve victimization against me at the XXXX XXXX prior to this debt being submitted. On XX/XX/2020 I contacted the XXXX County Sheriffs department because I was repeated victimized by the management and staff of the XXXX XXXX. I began reporting the issues immediately when I realize employees of the XXXX XXXX now XXXX XXXX were illegally entering my apartment, stealing, eating my food and helping them selves to my clothing and shoes among other things, accessing my computers and other electronic devices. I contacted XXXX XXXX numerous times and reported the issues. After there was no response to my letters or calls, I submitted multiple electronic complaints through their new tenant communication portal for XXXX XXXX XXXX County. I called and left messages multiple times at the corporate office. No one responded. XXXX XXXX waited almost 14 months to submit an invoice for {$3400.00} after forcing me out due to ongoing safety concerns, theft of my property and destruction of my property. The property manager made multiple promises to put a stop to it including changing my locks to digital locks, however nothing was done.
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| 02/25/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have been reaching out to National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX : XXXX Email : XXXX Using the Toll-Free number the week of XX/XX/2022. On XX/XX/2022 I have attempting to call to potentially work an arrangement to pay this debt I supposedly owe to get it off my credit ( even thought XXXX shows it as included in my chapter XXXX XXXX ).
I spoke with the operator and she states that only XXXX XXXX can help me and she is out to lunch and nobody else can assist me with paying. Furthermore, she was supposed to transfer me to her voicemail and the line just died. I called back and XXXX XXXX 's direct extension of " 132 '' same result, no answer just dead line. I then tried to reach here my the dial by name feature their IVR service has, again, no luck.
So, it doesn't seem very fair. Rather abusive and deceptive to me that I can just call to get this figured out - yet nobody is available to assist me? Clearly in business hours- I am calling around XXXX - XXXX.
So, apparently they must not want to collect this debt, therefore they should just dismiss this and remove it from my credit bureau as it shouldn't even show as I owe on it on my XXXX and XXXX- like XXXX shows, it was included in chapter XXXX.
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
Older American |
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After receipt of notification of collection* action the by collection agency ( National Credit Systems ) We responded in writing ( ( XX/XX/XXXX ) disputing the {$400.00} debt and requesting proof/details of same. XXXX did not respond but notified us that they would report the debt to " one or more credit reporting agencies ''. When the collection notice appeared on our reports ( XXXX and XXXX ) I notified them that the debt was disputed and they added the note to our report that it was disputed. I further wrote XXXX on XX/XX/XXXX of their failure to provide the requested proof or to remove the claim. They further responded only with collection invoices and calls and no details..
The collection account still remains on our credit reports and has adversely affected our credit scores and record.
*XXXX XXXX # XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the initiator of the collection account tried to bill XXXX XXXX XXXX XXXX XXXX credit card Iin XXXX of XXXX and that was disputed with XXXX XXXX as well. XXXX XXXX investigated the dispute and after a period of several months could not get a response from XXXX and permanently credited her account. XXXX XXXX XXXX never directly sent us an invoice or letter regarding the debt.
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| 02/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/XXXX, I was taken to Landlord Tenant court ; by XXXX XXXX I made an agreement to pay XXXX, XXXX, XXXX, XXXX, and Attorneys ' fees. I made all payments by XX/XX/XXXX except {$500.00} attorneys. I lost my job in XXXX. Which lead me to become behind in rent moved out in XX/XX/XXXX. When I moved out, I was in arrears {$4900.00}. For XXXX, XXXX, XXXX, and partial XXXX. My security deposits were {$1400.00}. I did not receive it back which was understandable under the circumstances. XX/XX/XXXX, I received correspondence from National Credit Systems stating I owed {$5200.00} to XXXX XXXX for the months of XXXX, XXXX, XXXX, XXXX of XXXX. Furthermore, National Credit Systems is collecting on XXXX behalf. I submitted supporting documents that those payments were made, and that security deposit was not deducted and that the amounts reported is inaccurate for two reasons. One, the months are not correct please request payment history from wincoram. Two, security deposit was not deducted. To no avail even with documentation National Credit refuses to update the account so I can make payments and with the credit agencies. I did not go into contract with national credit, nor did I accept the debit. Please assist me as to what I should do.
|
| 01/09/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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on XXXX XXXX I rented an apartment from XXXX XXXX in XXXX Ga. I initially paid six months upfront and every month I was never late. I stayed there from XXXX XXXX to XXXX XXXX. In months prior to me moving out I have made and requested several request for them to get an exterminator to come because my apartment was having pest problems due to surrounding neighbors such as ; bed bugs and roaches and no given point did they ever send anyone to help me in which I had to pay out of pocket at which I was paying an added amount with my rent for extermination. I called again requesting that they send someone due to the continuous leaking problem that was coming from the upstairs unit. they fixed the leakage but never the water damage that occurred to the carpet, doors and walls. at this point my living condition was in humane in which I decided to move out. a letter was sent to my door in XXXX advising that my lease was up for renewal in XXXX, I wrote a letter and gave I to them advising that I will not be renewing my lease and I will be leaving out on XXXX the XXXX in which I did. after a month they sent me a letter that I owed them nearly {$3000.00} in which is not correct. I paid them their money for XXXX and I do not owe them anything.
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| 07/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This is my 4th and final attempt to resolve this matter amicably. National Credit system continues to violate my rights and I have suffered financial and emotional distress for over a year as a result of this account. I have no balance owed to the original creditor or to the national credit system company that has been assigned this alleged delinquent account for further collection actions. To confirm that I do not owe any balance I have an email from the Land Lords assistant property manager of the apartment community stating that there is no balance owed. The property manager is CC on the email as well. National Credit system is aware of this because I have sent all correspondence to them via certified mail # XXXX that was delivered and recieved.
I have sent a request to validate this debt, I have sent a Cease and Desist to stop collection activity and all forms of communication directly via phone calls and indirectly through all mediums of communication. In XXXXact reporting the unverified debt to Credit reporting agencies is a form of indirect communication of a debt further violating my rights by the reporting of this inaccurate account. I have also sent an affidavit declaring the facts of this situation via Certified mail.
|
| 11/11/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Please see my attached in depth explanation of my complaint against XXXX XXXX XXXX fraudulently collecting debt I don't owe, falsely representing the XXXX ( where I briefly lived ) as the creditor when they emailed me asking me for a copy of this letter because I have only ever had a {$0.00} balance and 2 years later still do, and then NCS breaching all of my rights and immediately reporting delinquent for the past 2 months 1 day after a one page letter with an unexplained balance, calling from a spoofed # with my area code when they are in GA, threatening me, then 2 letters on the same date with different logos and letterhead one stating aware of dispute and a fake invoice, the second letter from XXXX XXXX ( spoofing threatener ) stating I will be sued. The XXXX has not reached out to them to stop this and that is affecting my credit and ability to get housing - and enabling a crime in their name knowingly ... so I don't understand why they would ignore this when for 2 years I have no balance and they said they would take it of it so I don't sue them ( THEY SAID THAT ), but then haven't returned my call to take the necessary steps and make NCS stop dead in their tracks and remove everything from my credit reports- all 3 ASAP.
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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|
I personally communicated with National Credit Systems a couple months ago because they put a collection originally for {$4700.00} on all 3 of my credit reports for the original debtor XXXX XXXX XXXX out of XXXX XXXX SC, now they put a balance of {$5000.00} on my report. I originally asked for a optimize spreadsheet for the reason for high bill and I was never emailed one, I spoke to the property manager and she told me that she couldn't provide me with a optimize spreadsheet because they are now under new ownership. I communicated that to National Credit Systems and they've done nothing until I filed a complaint with the XXXX. After the complaint National Credit Systems issued a statement with the XXXX that it would be me moved from all 3 credit bureaus and update. It was removed from my XXXX and XXXX but it still remains on my XXXX report and it's affecting my ability to rent or possibly own, last month I sent another dispute letter asking for removal from my XXXX report and still no response I've emailed them a couple of days ago and still no response I've exhausted my options I plan to dispute it again in another letter along with this complaint and hopefully I can get this issue resolved and removed off of my XXXX report
|
| 02/09/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
The reason for my complaint is because this debt was added to my credit report without a debt validation letter. I do not agree that I owe the creditor that the collection agency is attempting to collect the debt on behalf of. I feel that the creditor concocted a debt and sent it to a collection agency without sending it to me to avoid me questioning the debt. I feel the creditor did this because I chose not to extend my lease, even after they offered to reduce my rent. When I originally signed my rental agreement, this home was owned by XXXX.It was later sold to XXXX while I was still under lease agreement. At the end of my lease, I chose to move. I was not aware that this company reported a debt to a collection agency until I attempted to advance in employment and a credit report was pulled. I have sent numerous request to the collection agencies to remove this item, but they continue to find the debt valid. On XXXX XXXX, 2015, I sent a debt validation request to the collection agency, but they have not responded. I sent the letter by regular mail, but I know that the letter was received because I requested that they remove a duplicate item from my report and the item was removed. Please assist me with resolving this issue.
|
| 04/07/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was to be a grantor for my daughter for Apartments called the XXXX in XXXX XXXX CA in XX/XX/XXXX. However, once they ran my credit I was denied due to me already having an unlawful detainer on my credit from XXXX. They told my daughter to find another grantor with stronger credit or pay higher deposit. I was no longer involved. A year later I she moves and I started to see this debt on my credit report. I believe they used my information after because they did have access to it to hold me accountable for my daughters bill and not mines. I have made several attempts to reach out to the XXXX to have resolved but they can not assist. They are under new management. So I recently reached out to National Credit Systems and have been in contact with a XXXX XXXX at XXXX. She instructed me to file a police report against my daughter because that would be the only way to have it removed. I told her no because she did not do anything that was the XXXX who used me after the fact. I have filed a police report against the XXXX and as of XX/XX/XXXX, sent them a copy of that police report and a copy of my credit report showing I had an unlawful detainer at the time the XXXX ran my credit proving that I was not qualified for the apartment.
|
| 10/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I'm making a complaint today because XXXX XXXX XXXXXXXX XXXX have caused stress and pain on me and XXXX XXXX XXXX XXXX. I can not get any apartment because of what they have put on my credit profile. Furthermore I will explain how me and XXXX XXXX XXXX got here around XX/XX/XXXX. I was looking for places came across a place at XXXX XXXX it was a XXXX bedroom XXXX bath for XXXX the fellow property manager that I spoke with got us into the apartment I paid my deposit because he made it clear that. When me and XXXX XXXX XXXX payed and signed the lease XX/XX/XXXX of 2021 we would not have to pay rent again until XXXX. This gave us enough time to get settled in our job but so on that was actually a lie. We were charged the next day XXXX and at the time my job wasn't all the way transfered from XXXX, NY to XXXX, TX. So this caused me alot of stress they sent notices threatening for us to vacate or they would take me to court we were terrified also FCCPA Section 805 ( b ) states thats a violation and its a XXXX fine. We left now we do not feel we owe XXXX simply because there were alot of things not clear or made clear by the property manager before or after. We signed the lease so on behalf me and XXXX XXXX XXXX we feel scammed.
|
| 07/22/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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To whom it may concern, I am writing this to see if someone can help me. i been contacting leasing offices, debt collectors and more pleading my case. i seen years ago i had a apartment show up on my credit report. And once i noticed i submitted multiply disputes to handle the situation and nothing has happened. when speaking to others they have told me there is nothing that i can do and it would remain til i pay it. so for years i done nothing. Then i still tried to apply to apartments and they have all denied me. I cant even get a place to stay so currently i am XXXX. All because of some incorrect information on my credit report. The last time i contacted the apartment people they had advised me that the apartment people no longer own the apartment and they also couldn't help me. i have also contacted the previous apartment company they have not gotten back to me. so now Im pleading my case to you because i need help. Im being punished for something i didn't do. also i asked the credit people what they were using to verify it was me. and they saying that they just matching information. I was robbed years back and they stole my wallet which included my personal items. so i feel someone used it and purchased the apartment..
|
| 09/14/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Older American, Servicemember |
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I was continually talked over. Was told I would receive documents via email when I went to email and junk mail and could not find what he said he sent, he then changed delivery method to US Postal Service. Was told by XXXX XXXX ( XXXX XXXX, but when I called back was told by operator that XXXX XXXX who is in charge of collecting thus already paid amount for breaking a lease on a XXXX infested, Mold filled, contaminated apt that I had an air quality test done on but was still required to pay to leave such medical unhealthy accommodations, was not XXXX another lie because the person I spoke with when I could get a word in had an XXXX accent ) that XXXX XXXX XXXX XXXX again requested in XXXX XXXX collection of this alleged debt then he changed this statement to XX/XX/XXXX as last time XXXX XXXX contacted National Credit Systems. XXXX XXXX stated he would contact XXXX XXXX and verify debt but seems like a lie. This should have been done already. Unscrupulous tactics that include lying. This happened today but with all the lies I just don't believe this company will follow through and check for accuracy of amount already paid or send the documents. I followed up with an email to them requesting everything with address provided.
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| 03/20/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XX/XX/2022, I received a notification that a collection account had been placed on my credit report in the amount of {$550.00}. According to my credit report ( since I never received anything directly from this company ), it was from a recent apartment complex that I lived in last year. This was shocking to me because I have never received ANY communication from this company and had no knowledge that this account was due. I was not informed by the initial company saying I owe the debt, neither was I contacted about this debt from the debt collector until I saw the collection on my credit report. I then reached out to this creditor via certified mail at the end of XXXX requesting a response and a debt validation letter. It is now the end of XXXX and I still have not received any calls or documentations proving that I owe this debt. However, it is still showing as a past due collections on my credit report.
I never received any documentation from this company letting me know that this account was due. I was never given the chance to dispute this debt. I was never given the chance to possibly settle the debt before the lasting effects of putting a collection on my credit score for the next 7 years. This can not be legal!
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| 07/10/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I rented an apartment and lived there for approximately 5 years. When I moved out in XXXX of 2014, I did a walk through with the Manager, XXXX, at XXXX XXXX XXXX. She said everything looked great and I didnt owe anything. Now, six years later, Im applying for a mortgage and a debt from the apartment says I owe {$2000.00} for pet damages. I never had a pet. I called the apartment office and they said all of the records were taken by the previous management company. They gave me the name of XXXX XXXX who apparently ran the complex while I was there. The said the records were all left at the apartment. Finally, I called the collection agency and they told me to pay the debt and they would remove it from my records. I told him that I still had no written copy of why I owed money. I spoke with XXXX XXXX at National Credit Systems , Inc . He sent me a copy of an apartment move out checklist dated two and a half months after I moved out and not signed by me or the apartment manager. It says I owe {$2000.00} for pet damages. I never had a pet and my lease shows that. In addition, I have a witness who lived there at the time that said after we moved out, apartment employees lived there with pets. I have truly tried to resolve this.
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| 04/27/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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Web |
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There is a debt on my credit report for National Credit Systems for {$870.00}. The collection was first opened XX/XX/XXXX. I wrote multiple reports stating that I was a victim of fraud and did not have any knowledge of the account. I called the agency and was told my collection was turned over to a lawyer in GA. I lived in PA all my life. I never received anything at all stating that I was being sued possibly. I never received a response. On XX/XX/XXXX, the collection was removed ( from XXXX ) after my several attempts of dispute. A couple weeks later, it was no notification of reinsertion. Sometime in XX/XX/XXXX, the same collection was removed from my XXXX report. It was reinserted without notification on XX/XX/XXXX. Then, after several disputes once again it was removed from XXXX, XX/XX/XXXX. Then, it was reinserted without notification once again on XX/XX/XXXX. According to the FCRA, the consumer reporting agency is REQUIRED TO SEND THE CONSUMER WRITTEN NOTIFICATION 5 BUSINESS DAYS THAT THE INFORMATION HAS BEEN REINSERTED ON YOUR ACCOUNT, IF NOT THE ACCOUNT HAS TO BE DELETED. The agency never VALIDATED my account. This a violation of my rights. If this is not removed FROM ALL BUREUAS, I will have to take legal action.
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| 02/15/2021 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was staying in an Apartment @ XXXX XXXX XXXX XXXX, GA XXXX.
I specifically told management that I was not signing nor would I be held accountable for any lease or lease agreement. I never signed anything allowing the apartment complex or anyone affiliated with them to run my credit.
I was working for XXXX XXXX XXXX XXXX XXXX XXXX XXXX as a XXXX XXXX ). XXXX XXXX was leasing the apartment for me to stay while working in town.
I did put the utilities/cable/ etc.In my name because i wanted internet and cable access. etc..
XXXX XXXX XXXX did not make the payments while I was out of town as a result to a family emergency. When I returned eviction notices was embarrassingly posted on all the doors for the neighbors to see.
Harassing phone calls by a couple of collection agencies preceded. I continually have explained the situation and showed them the lease that I never signed.
They are guilty of reporting false information to the Credit Bureaus.
I have filed many complaints and will continue to do so until this fraudulent activity has been resolved.
I reticently have filed and will continue to file disputes with the XXXX and credit reporting agencies until my credit has been cleared and this matter has been resolved.
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| 07/17/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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In XX/XX/XXXX I received a letter from the National Credit System , Inc. about a debt that I supposedly had with XXXX XXXX XXXX. I NEVER HAD DEBTS WITH THAT PLACE.
Prior to the National Credit System notice, I NEVER RECEIVED a call or letter from XXXX XXXX letting me know that I had an outstanding debt. The SUPPOSED DEBT was sent by XXXX XXXX directly to debt collection, which is incorrect and ILLEGAL.
On XX/XX/XXXX, I went to the XXXX XXXX XXXX XXXX and asked the Office Manager for an explanation. After checking that I did not have any debt with this office, she made a copy of the letter and promised to resolve that problem with the debt collection office. APPARENTLY, SHE DID NOTHING.
On XX/XX/XXXX, I received a notice from XXXX XXXX, one of the companies that monitor my credit and data security, where they report that my credit history had dropped XXXX points due to AN UNPAID DEBT. I immediately requested Credit Reports from XXXX and XXXX, where this debt appears unpaid, affecting my credit history.
I do not have, nor have I had, outstanding payments TO ANYONE, least of all XXXX XXXX. I have had financing with different companies for two cars and a house, for several years, and I HAVE NEVER BEEN BEHIND PAYMENTS.
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| 03/16/2019 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Older American |
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I lived at XXXX XXXX XXXX apartments XXXX XXXX XXXX XXXX XXXX # XXXX XXXX Arizona XXXX from XX/XX/XXXX to the XX/XX/XXXX, this was not a lease but a rental agreement the apartment was not maintained that well it had very old carpet and lots of cockroaches this was affecting my health, I was coughing up blood and almost suffocated several times my primary care doctor sent me to XXXX doctor and a XXXX, I did not have XXXX but a cat scan showed I had inflammation in my XXXX and they were raising the rent and wanted me to sign a lease so it was time to make my exit. They threatened to ruin my credit if I moved out.I supplyed them with a letter from my doctor advising me to move to a home without carpet and cockroaches. I thought every thing was fine then they sold the account to a collection agency in XX/XX/XXXX, national credit systems in XXXX. They made the same threat of ruining my credit, I supplyed them with the same letter from my doctor and their responce was to report it to XXXX and XXXX. I also have XXXX reports from the hospital avaiable on request. National credit systems is forgien corperation with many complains so why are they allowed to operate here? I would like them to remove this from my credit reports.
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| 04/27/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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-there is no information regarding what the liquidated damages are. There are no statements within their lease agreement stating that I would be charged liquidated damages the equivalent of 2 months rent for any reason.
-I am being charged a 10 % late fee on a full rent. I need to be charged based on prorated amount ( 12 days ). I did ask them how to pay the prorated amount as they only allowed the full payment of $ XXXX.
-I am being charged a month to month fee, even though I gave notice and informed manager via telephone of my vacancy for XX/XX/XXXX ( call log of XXXX minute conversation proof was add in previous email ) -the dates for these move out charges show XX/XX/XXXX and XX/XX/XXXX. I contacted crestmont requesting final move our charges on XX/XX/XXXX. XXXX failed to give me requested items within the legally required time frame for the state of Georgia.
Appropriate contact methods were given to lessor. The lease agreement shows that email is an appropriate contact method. My email has been provided to them at the start of the lease.
I asked for proof and explanation of liquidated damages they responded by subtracting XXXX from the liquidated amount. But still did not explain what the charge was for.
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| 04/29/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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The following account, with the XXXX was opened on the date of XX/XX/2017 without my knowledge and added to my credit report for the amount of {$7900.00} dollars. This is considered a fraud and additionally is a violation of my rights as a consumer. Furthermore, this company never validated the account with any supporting evidence as required under 15 usc ****g I demand this account to be taken off as soon as possible from all the credit reporting agencies including XXXX XXXX XXXX and XXXX XXXX I also demand {$1000.00} per occurrence for this violation. National Credit Systems is holding me liable for a debt that has been paid and full. My debt was not with National Credit Systems it was originally with XXXX XXXX. National Credit Systems also advised me that once the account is paid in full it would be removed from my credit report. National Credit Systems also increased the original amount from XXXX XXXX. I want this cleared off my credit immediately as it has been paid, as promised in the letter. I want the agency to forward this paid in full and a clearance letter to XXXX XXXX as well, so the debit is cleared. I want my money back and this information removed from my credit report. In the form of certified funds.
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| 12/04/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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To whom this may concerns : My wife and I negotiated an apartment lease cancellation fee and subsequently paid a cancelation fee to XXXX XXXX Apartments in the amount of USD XXXX. As a result, this fee brought our balance to USD XXXX. XXXX XXXX Apartment incorrectly reported the fee of XXXX to XXXX XXXX XXXX. Subsequently, this has impacted me and my wife 's credit score with XXXX, XXXX, and XXXX. We submitted written request, which included XXXX certified mail, to XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, and XXXX requesting to remove the collection balance from our credit reports. Action dates : 1 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX, XXXX, and XXXX. 2 ). On XX/XX/ a written request was sent via XXXX certified mail asking to dispute account with original creditor. Letters were addressed to XXXX XXXX XXXX. 3 ). Beginning XXXX through XX/XX/, multiple attempts made to XXXX XXXX Apartment to correct the issue they initiated. No response. 4 ). On XX/XX/, my wife and I re-ran our credit reports to see if dispute was resolved. As of XX/XX/, the dispute is still active. Additional details available upon request.
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| 04/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been a victim of identity fraud. I have never had any apartments in my name. I've recently been working to get everything cleared up on my credit, I have filed an FTC report, a police report, I submitted numerous documents that have my correct information on it noting where I lived during the time of the fraud, a driver 's license and a copy of my social security card. I have disputed the accounts numerous times with XXXX and they will not help me at all. They keep saying I own the accounts when I do not own the accounts. The other bureaus have cleared my record and have been most helpful with getting this issue resolved, but XXXX does not care to help me. I've called multiple times and spoke with numerous representatives to no avail. I need these fraudulent accounts removed from my credit report, I can't afford a lawyer since I am a college student. I dont know how many times I have to dispute the accounts with XXXX. Please help I thought the ftc report would help prove my case, but XXXX doesn't care about that or my police report submitted. The accounts that have not been removed are National Credit Systems for {$90.00} and National Credit systems for {$11000.00} and NCC business services for {$3600.00}.
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| 04/19/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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XXXX XXXX XXXX XXXX XXXX sent my account to collections for the full amount of the lease breaking fee, however, they did not deduct any of the payments I had made previous to my account going to collections. I paid the amount I truly owed within 30 days of account going to collections XXXX at XXXX XXXX XXXX XXXX XXXX said she would contac t National Credit Systems to le t them know I do not owe the {$230.00} that is left. I am still being billed and threatened credit reporting of the {$230.00}. I have called the collection agency numerous times and " XXXX '' has never called me back or started taking any steps to rectify the situation. As of today, he stated he did call me back and I never responded. I asked where he was calling because I never received any voicemails. He said he is not sure where he called. He said their calls are recorded and that is proof he called me. I asked for a copy of the recording and he said I have to subpoena it. I have called and spoken to XXXX at The XXXX XXXX numerous times who said she has cal led National Credit Systems and she is not sure why they are still billing me. According to XXXX my record does not show that she called them at all.
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| 02/20/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Someone initially started using first name and social to obtain medical treatment. In the late 2011 's I had my identification including social card, insurance card for medical, and car and driver 's license stolen. When I saw the damage this fraudster did I almost passed out. Police did n't even want to help and directed me to government nonprofits to deal with the creditors and credit bureaus initiated several disputes with XXXX, XXXX, and XXXX over the last year for erroneous accounts that are not mine. I '' ve followed every step they 've outlines and that your site has told me to do. Still having issues with some accounts because Iguess they want to collect more money from these creditors because they get paid to report negative. If feel like this mistreatment is racially motivated bc of the climate we 're in. It 's hurting my family. below are some documents i sent to them on several occasions. It really seems they keep accounts/collections on credit reports because the credit bureau will make more money the longer it 's there. Companies like national credit systems are one in the same but neither one can really help I think me and millions of americans are being lied to by the credit reporting agencies.
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| 10/11/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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There was an eviction process that went through XXXX XXXX XXXX. We went to court XX/XX/2022. XXXX stated that if I were out by XX/XX/XXXX, I would not owe apartments anything. Showed up to court on XX/XX/XXXX stating I was gone, clerk told me case would be dismissed without giving me paperwork that stated this information. Received documentation XXXX weeks later stating that XXXX said I was not out by said date and time that was ruled by judge. The judgment was given to them without my knowledge. Went to court house to rectify situation with video footage showing I turned key in and also a contract showing my movers were done moving by agreed time. XXXX house supervisor stated the case would be sealed off showing there wouldn't be a judgement for either side because of falsified information coming from XXXX XXXX. Before this judgement was given, XXXX sold the debt to The National Credit System. They have not properly contacted me, not by mail or email stating what the fees are for only that they are working on behalf of XXXX, which was a very quick phone call. Ive sent XXXX certified letters to National credit system asking for original contract with my signature for validation of debt and no one has replied.
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| 10/30/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was a resident at the XXXX XXXX located at XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, On XXXX XXXX there was a attempted break in on my unit at approximately XXXX XXXX by a homeless man that broke into the secured building police were called out there were no security to let them in a second call was made and they gain access to my unit later found out there were no cameras however the homeless man was spotted and a chase to place and the suspect got away .Management was notified and nothing came from it .I called the housing court and was told if I fear for my safety which I did I should give them a 30 day notice explaining my fears and concerns I cleaned the unit we did a walk through ( management and myself ) my lease would have expired in XX/XX/2020, I moved out the following month after this incident however I didnt stay there anymore after the night of the attempted break in. XX/XX/2020 I noticed on my credit report from a debt collector ( National Credit System , Inc ) a debt of XXXX from this incident I have disputed this debt on the credit bureaus complains that this is false also attempted to take them to court .I would like this removed from my credit, I have evidence that these charges is fraudulent.
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| 12/17/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I have items on my consumer credit report I dont recognize. I XXXX XXXX did not open these accounts, therefore they are fraudulent accounts. I dont a contract with any of these companies. I would like an investigation conducted, and these accounts deleted from my consumer credit report as soon as possible.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : also states a consumer reporting agency can not furnish a account without my written instructions These accounts below are fraudulent, and would like them deleted immediately from my credit report.
XXXX : Account number : XXXX open date inconsistent and or duplicate account Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$8000.00} XXXX : Account Number XXXX open date inconsistent Amount : {$590.00} but credit limit is {$500.00}. ( Inconsistent ) open date inconsistent XXXX XXXX XXXX XXXX : Account number XXXX XXXX open date inconsistent and or duplicate account.
XXXX XXXX XXXX : Account Number XXXX open date inconsistent XXXX XXXX : Account number : XXXX inconsistent XXXX XXXX XXXX : Account number : XXXX inconsistent. Not mine, do not have a contract with them.
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| 01/14/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I've sent XXXX letters to XXXX ( National Credit Systems ) to verify a debt they are reporting on my credit. All XXXX credit bureaus were reporting different balances and I did not recall having this alleged balance they noted. The company sent me a letter on XX/XX/2020 stating the balance owed was {$5000.00}. They also sent a balance sheet. which didn't align to this. Then on XX/XX/2020 they sent a letter stating the balance was {$4600.00}. Both amounts did not align to the balance sheet. They could not provide a correct amount while at the same time verifying inaccurate balances with the credit bureaus ( at least that is what the bureaus said when they said they verified the debt ). Why would this company send me XXXX different letters with XXXX different amounts and also include a balance sheet that does not line up to the amounts in these letters. Is this fraud? Can they do this? I feel my rights are being violated here.
I also asked them to provide me proof of this debt including that they have a right to collect and the appropriate licenses in my state. I also never received notice from them when they took this account over so that I could dispute it initially. So many rights have been violated here.
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| 04/19/2015 |
Yes |
- Debt collection
- Non-federal student loan
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My name is XXXX XXXX. I am XXXX years old. I have had a difficult life but I keep trying and pressing forward. I am writing to you about a descriptency with XXXX college XXXX. I had a past due balance that i am paying them monthly on. But they sold this to another creditor when I was unemployed over 3 years ago. Life is rough and I am unemployed again and still paying back XXXX college. I am now studying to take the XXXX exam and trying to obtain employment again. I have XXXX charges for XXXX college on my credit report. this is affecting my credit worthiness as i was trying to get a loan for some health reason. I am attaching my credit and showing you my worthiness is in tact. I was turned down by XXXX. I still have XXXX charges from XXXX college and the other creditor has n't removed same. Yet I am paying XXXX college in good faith. i do not want this to effect me going to the navy as they have to run background check or lawfirms i am seeking employment with. Please advise me on same. Laws are here to help people and same by the Federal Trade Commission that it is illegal to multiple post dings for the same thing on your credit report. The FTC is the controling agency for the Fair Credit Reporting Act..
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| 07/06/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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After multiple attempts to dispute this debt of {$4600.00} that is in collections with National Credit Systems. I called directly and requested a verification package with proof and validation that the debt belongs to me, however, unfortunately, I received documents from them that are not only invalid but had expired. They have not been able to validate this debt and yet they refuse to remove it. The agent " XXXX XXXX '' behavior was very rude and condescending including making comments like " I'm not the one who needs a place to live or can't find a place to live '' The documents sent are expired documents that us not dated with my signature. When I called the last time to give them this information, I was told by XXXX that it " Your Proof Won't Help '' and he hung up in my face and refused to answer my call anymore. I then had to call and ask for a supervisor who wasn't there. If they can not validate that debt to me but they refused to remove is a direct violation of the debt collection practices and I would like to be compensated for their actions!. They have not been able to validate this debt but refuse to remove it! That is by your definition a violation of the Fair Debt Collections Practices Act.
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| 05/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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National Credit System is reporting a debt on my credit file that is not mine. Please note that this is not a refusal to pay, but I am asking for validation. Under the FDCPA, I have to right to request validation and I am requesting proof that I am the party you are asking to pay this debt and that there is some contractual obligation that is binging on me to pay this debt. I am NOT requesting verification but a request that validation is made. I ask that your offices provide me with competent evidence that I have any legal obligation to pay you. During this time, if your office continues to report invalidated information to any of the 3 major credit bureaus, this can constitute fraud under both federal and state laws. If you continue to report I will not hessite in bringing legal action against you for violation of the FDCPA and defamation of character. If National Credit System is able to provide proper documentation I will require 60 days to investigate this information and during such time all collection activity must cease. If you fail to respond within the 30 days, all references to this account must be deleted and removed from credit and copy of a deletion letter shall be sent to me immediately.
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| 11/29/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am requesting the deletion of account NATIONAL CREDIT SYSTEM XXXX. This debt collection agency has engaged in practices that are abusive, deceptive, and unfair actions which are clear violations of the FDCPA. They have reported an account that I did not agree to nor sign any agreement for. A legal contract necessitates the agreement of two parties, and I had no involvement in any such agreement. Moreover, they failed to follow the proper five-step validation procedure, further highlighting these unfair practices. I also have uncertainties regarding whether I ever held an account with the original creditor. The original creditor did not verify the account, nor the balance listed on my credit report. NATIONAL CREDIT SYSTEM is illegally furnishing an account to my credit report. This company is also calling me continuously and harassing me about a debt that I do not owe them. Please consider this letter as an official request for cessation of communication under the FDCPA. Failure to comply with this request will be a violation of the FDCPA, and I will have no choice but to pursue legal remedies available to me under the law. Delete the account NATIONAL CREDIT SYSTEM from my credit report immediately.
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| 01/14/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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In XX/XX/XXXX I amassed an outstanding debt of {$3300.00} with my leasing company. It went to National Credit Systems , Inc. for collection. I was contacted via phone in XX/XX/XXXX. Payment arrangements were made and began in XX/XX/XXXX. No written documentation was received concerning verification of said plan at that time nor was any other confirmation sent ; however, payments did begin as scheduled. For some reason, the auto-payments stopped in XXXX and I did not notice until XXXX. At that immediate time, I called NCS to rectify the situation. I was told, after much verbal abuse, that I had been informed the payments would stop after 6 months and that any derogatory reports to credit agencies would not be removed. Keep in mind that NO written notification was sent NOR any voicemail left to continue or restart payments. At this time, in XX/XX/XXXX, I disputed this. Then, in XX/XX/XXXX, I requested a copy of the phone transcript which would prove either my stance or theirs ( NCS ). NCS refused.
Those derogatory reports have negatively affected my life and I strongly believe if such reports are going to be made and defended, documented proof must be provided to the consumer, i.e. phone transcripts.
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| 07/23/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX XXXX XXXX threatened to damage my credit by putting a charge on my credit reports. They wanted {$540.00} for falsely accusing me of having a pet while living there. Just after moving in I sent several emails to the office stating that they needed to change the carpet due to pet odor and hair. My daughter is highly XXXX! My daughter was not able to stay with me very often because of this issue. When I finally was able to move out since they never corrected the situation, I was charged with {$540.00} for pet stains. I refused to pay so they sent the bill to collections at National Credit Systems. XXXX XXXX XXXX changed management companies several times. Many other clients have the same complaint against them, unlawful charges upon moving out. I have contacted both XXXX XXXX XXXX and National Credit Systems asking for a copy of the lease where I PAID A PET DEPOSIT or any form of verification ( picture etc ) of a pet!! I will not pay for something I did not have. They were given the time to comply with my request and have not. Therefore the collection should have been removed from my XXXX and XXXX credit report. I have hired a lawyer and will sue since they have not followed the law. XXXX XXXX
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| 08/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
Servicemember |
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Hi. My dad and I rented a property together in XXXX. My dad fell ill with a XXXX and his doctor ordered that he be placed in a XXXX ( XXXX ). My dad actually qualified for the property due to his financial status. However when my dad moved, so did most of our resources, leaving me with my income to care for the household. I got behind 45 days and received an eviction notice. I concurred with the eviction and vacated the property in XXXX XXXX or XXXX XXXX. Homeless, my XXXX kids and I stayed in a motel.To make a long story short, in XXXX of XXXX, out of NOWHERE, i received a letter from National Credit XXXX from the property management company saying I owe {$7900.00} for various damages. I left the property clean with no damages. I have been away from this property for over a year and some months!!! I paid {$50.00} to speak with an attorney for 30 minutes. He stated that " a landlord/property management company have 30 days to go after a tenant for property damages in the state of Georgia ''. I already have a charge of {$1000.00} plus {$1900.00} for the eviction and whatever else, on my credit report from them. Please help, I do n't have money for an attorney to help me get this off my credit reports.
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| 10/11/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In Accordance with the fair credit reporting act XXXX NATIONAL CREDIT SYSTEMS INC has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
I WAS RECEIVING SECTION 8 HOUSING XXXX XXXX XXXX SIGNED OFF ON NE NOT OWING ANY MONEY BECAUSE THE HOUSING AUTHORITIES PAID MY RENT AMD MY UTILITIES THEY ARE ADDING FALSE CHARGES FOR THE WATER BILL ON A DOCUMENT THEY TYPED UP NOT SHOWING THE REAL BILL AND PAYMENTS! ALSO I PAID A DEPOSIT OF {$700.00} THAT WAS NOT RETURNED NOR APPLIED TO SO CALLED CHARGES THIS IS THEFT AND I WILL HAVE MY LAWYER IN CONTACT! THIS IS A SCAM! You guys added 3 months of water bill service the housing authorities paid all bills and utilities NO WAY there was any balance! The housing authorities will not let a tenant move if any balances are owed! THESE ARE STATE LAWS! The home was sent to abdomen because the owners refused to fix leaking roof and plumbing! All this is documented! No deposit returned to the rebate and false charges put on the credit report to prevent future housing!? This IS AGAINST THE LAW!!!!
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| 10/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XXXX XXXX, while in the midst of refinancing my home in XXXX XXXX, Calif., I reviewed my credit report and noticed a collections charge off in the amount of {$4000.00} for an apartment complex in Georgia I have never heard of.
On Monday, XXXX XXXX, XXXX, I contacted National Credit Systems , Inc. in XXXX, GA, the collections agency associated with this charge, to dispute the charge. The name listed on the charge is not my name, and I have never lived, worked in, or even visited Georgia. They said they would send me a fraud package to fill out.
What I received was a letter dated XXXX XXXX, XXXX, informing me they had investigated my dispute and had not received information sufficient to validate it. They said their creditor had previously validated the debt as well. They enclosed a move out statement from XXXX XXXX XXXX XXXX XXXX. In XXXX, XXXX, with detailed costs totaling {$4000.00}.
At this point, I am providing them with further documentation for my dispute. But because they have already failed to send me their fraud package before investigating their claim, I do not have any confidence they can be trusted to do the right thing without involving the Consumer Financial Protection Bureau.
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| 08/20/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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My wife and I had lease an apartment on XX/XX/XXXX, and did not renew the lease XXXX, the property manager was not taking care of the units with COVID19 as for safety and health concerns we decide not to renew the lease and the property manager got really upset with us as they where losing tenants by the day. In late XXXX we received a letter stating we owed more that {$2300.00} and I have many times disputed this with the area manger as with the property manager and either I will get the runarounds that they will fix it or they will call me later and never have they made any attempt to fix the billing. I had paid in advance one full year of rental insurance and submitted this to them many times and they have been charging us since XX/XX/XXXX every month, also they have refused to send me an Itemized statement of the billing for utilities charging our account more than what the city was charging. Theres also 2 charges on the account that I have bank statements that where paid off and where still getting charged for them. They also charged XXXX rent when we moved out at the end of XXXX as we did not renew our lease. They are asking for fraudulent charges and I have submitted this to them many times.
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| 07/09/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I am disputing this claim due to : My sister and I have moved into XXXX XXXX XX/XX/XXXX and we have moved out of XXXX XXXX XXXXXX/XX/XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX # XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit. We have paid everything off the {$2200.00} on XX/XX/XXXX and recieved our deposit back for {$320.00} on XX/XX/XXXX. I also have not recieved a written notice from a debt collector that says how much I owe.
This is my official request to have the amount before mentioned to be deleted off my credit report.
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| 01/04/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Hello, I have attempted now 5 times to get these creditors ( national credit systems ) to provided me with evidence that i have lived in XXXX Arizona. Provide me with a lease and my drivers license. I have Filed a complaint with CFPB and there response instead of validating was asking me to submit documentation to them?!! The funny thing is if you have debt for me for an apartment you should have the following documentation Lease, Drivers license, and signature on lease, you have a debt that you are reporting as {$13000.00}. The apartment I 'm sure has probably been leased again which the amount owed is also incorrect. I have not said this is my debt but i have even sent a letter offering to pay a little for your company to delete, which you never responding to that! I will like for you to find documents if not delete from my credit file as this is defamation of my character!!!! I live in XXXX XXXX, La and have for now 6 years!! The law here and remedy here is you can not collect debt after 3 years here, also provide me with your company license to collect debt in the state of Louisiana. I here by demand you provide me with proof of this debt not a letter telling me its my debt. thanks XXXX
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| 01/04/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National credit systems contacted me about {$900.00} debt. This was claimed to be owed to an apartment I moved out of on XXXX XX/XX/2020 The first time I ever learnt of this debt was when my credit score was going down late 2020 and eventually saw it was an entry by XXXX XXXX.
Now National credit systems have put the same debt on my credit reports as XXXX XXXX after the debt was deleted.
I wrote XXXX XXXX and I did not get any response.
I wrote then to you, CFBP reference number is XXXX.
You could not contact them either.XXXX and XXXX eventually deleted the entry. However National credit union has put it on all 3 credit bureaus. I disputed the charges. They claim I moved out on XXXX, I how ever moved on the XXXX. I did not get any communication from this apartment even after I saw the derogatory input on my credit report.
If a landlord does not contact me after 30 days of moving out, I dont see how I am responsible and the charges are even frivolous.
The notice sent by National credit systems says they will send the debt to collections in 15 days, however it is about 18 months later.
This is just crazy that a collections agency is allowed to post what they want on my credit report.
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| 03/06/2017 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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XXXX has wrongfully placed an account in collections. XXXX has indicated that I owed {$1700.00} for water bills at XXXX. This is absolutely false. All of the bills were in good standing upon leaving. This company bulldogged and bullied me into leaving the property. They initiated an eviction on me when all of the rents were paid on time. Elite home management has placed this account in collection with National Credit Systems. I would like this account removed from collections immediately. Attached is full documentation that this account was paid in full. Additionally, XXXX kept my deposit. I would like to request my deposit be returned as I left the property in good standing and was NEVER late paying monthly rent. Please see all attached documentation. Furthermore, the claim that XXXX is stating I owe monies for a water bill is false. The amount started in XXXX of 2012. The account was never placed in my name and started with a balance of over {$700.00}! XXXX presented false documents to the court in order to have me evicted from the property. I 'm requesting that this is immediately removed from my credit report and handled outside of a credit reporting agency as these claims are false!
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| 11/28/2016 |
Yes |
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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Issues : disclosure verification of debt + improper communication tactics.
I spoke with XXXX, a contact center manager for this collection agency. I identified myself as the best contact person to communicate with on this matter. I clearly expressed my desire to pay this debt in full asap as long as the charges were valid. I gave them my mobile and work phone numbers. We hung up with the expectation that I would receive a verification of debt package by mail from them shortly. This would have given me an opportunity o review the validity of the charges. Till this day, I have not received this package. In the meantime, I found out they had been trying to contact my roommate ( despite our mutual agreement that I would be the sole point of contact for this matter ).
Last but not least, their contact center representatives consistently try to engage in confrontations and arguments over the phone instead of focusing on duly resolving the matter.
I am under the impression they are purposely trying to prevent me from reviewing these charges so that once the legal time-frame has passed, they will be able to threaten me with putting those unverified charges on my credit report.
Please help!
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| 06/17/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Upon reviewing my credit I noticed I had a collection account from XXXX XXXX XXXX that did not belong to me. I tried reaching out to the rental company that it said I owed XXXX XXXX XXXX XXXX but they are no longer in service. So I then called the collections agency and asked what can I do to prove it wasnt me. He said & I quote, Nothing. Because it was you. So you need to pay it. I told him that in fact it was NOT me and the address had already been proven to be false ( XXXX removed the address belonging to the apartment due to fraud ). He then said, I have proof here that it was you. I have your signature. I asked, Okay & what do you have to compare it to? Cause it wasnt me. He then said, Seems like you got it all figured out & hung up on me. Ive never lived at the address from the apartment complex. Which is why XXXX removed it. XXXX even completely removed the collections account DUE TO FRAUD. At this point I dont know what else to do. Ive never lived at those apartments and the National Credit System people are not trying to work with me to prove to them that the account doesnt belong to me. He literally told me no matter how hard I fight it or what I do, they wont remove it.
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| 12/22/2017 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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XXXX XXXX XXXX improperly represented themselves as working on behalf of apartment complexes who charged off the debt I owed. Two representatives stated that the apartment complexes would not accept less than 70 % of the debt. One manager stated that " the client '' not accept less than 80 % on a debt, and constantly referred to the client being the entity setting the terms on this charged off debt. When I spoke to a third manager today, XXXX, I told him that I contacted the apartment complexes who confirmed they charged off the debts and that none of the money I paid would be sent to them. XXXX stated " That is correct. The apartment complexes wo n't get the money, their management companies will. '' This is also inaccurate as I contacted the management companies for both of these complexes and they also confirmed that none of the money I would pay would go to them. I recorded our conversation where he states that money would go to the management companies of these apartment complexes, and have attached them. XXXX then replayed my conversation where I spoke with the previous day, which I also recorded but was not able to add as the file is too big. I can provide a copy upon request.
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| 04/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX opened my information and have people posting trash on my record. Every fake, none sense and outdated account they presented for collection, XXXX say sure, put it in. When I make a dispute, XXXX denied my request, and said that they are his partner or the bills are correct as it is. For example, {$15000.00} from XXXXXXXX XXXX XXXX apartments. I was I there for about two months and the apartment has snakes and molds, so I moved out with notice. And I notified the court of clerks. XXXXXXXX XXXX XXXX pretending that they got me evicted. I never received and eviction paperwork. I checked with the clerk of court, the clerk of court said they brought a paperwork for eviction, I was already moved out. Also, the clerk of court said the do not no about the lawsuits of {$15000.00}. The owner abuse his power to abused me. I hand up lost all the money from my saving, and my job to leave in motel as a homeless. I am seeking financial damages from XXXX Again, a feral retail account that closed due to data breaches. XXXX help them post it so many time with a creation of new account number. I do not owe that debt. Someone else was shopping on my name while I was shopping for furniture online.
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| 01/01/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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Moved out of rental and let XXXX know XXXX of XXXX of XXXX. Rental was turned over on XX/XX/XXXX. XXXX with XXXX said all was good, I didnt owe any . They kept all of my security deposit and I professionally cleaned the home prior to moving. Was not contacted by them via email, mail or phone call stating I owed any $ for the last 2 weeks. My rental agreement was up XX/XX/XXXX. I did not renew due to Covid. I was contacted by phone call on XX/XX/XXXX by collection agency XXXX XXXX XXXX saying I owed {$1000.00}. She said if I didnt pay they will just report me and damage my credit. I told her I was never notified by anyone saying I owed any . I contacted XX/XX/XXXX via email and XXXX said I did not owe anything and to ignore. I called agency back and left message telling them what XXXX said and to call me and contact XX/XX/XXXX directly. Weeks later I got an alert saying my credit dropped and it was put on report. I cant get an answer or call back to talk with anyone with XXXX. If I owed any . I cant get an answer from anyone and I dont believe debt is valid. I would have paid if XXXX told me I owed which he didnt. It would have only been for two weeks- not a full month of I did owe.
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| 02/14/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XX/XX/2007, I moved to XXXX XXXX XXXX XXXX, a brand new apartment complex in XXXX XXXX, FL. I signed a lease for a year. My rent for my 1 bedroom was well over {$1000.00}. I think it was $ 120- {$1300.00} a month. Im a complete germophobe, which is why Im willing to pay over {$1000.00} a month for a 1 bedroomfor a new apartment. When I moved in, there were dirt marks and other unknown stains in the tub, on the toilet, and in the refrigerator. I complained about it to the leasing office, and the told me I could move apartments but Id have to pay a moving fee. I didnt think this was fair, so I moved out of the apartments within the same month, but I was hit with a {$4000.00} fee.
Currently, National Credit Systems, a collection agency, in XXXX, GA has my account. Ive tried contacting them, but they refuse to answer simple questions. I called last week to resolve the debt and a XXXX XXXX answered the phone. She wouldnt let me get out a single word. She wanted to do all the talking. When I was able to utter a word, she hung up on me.
What Id like to see happen is this debt fall off of my credit report or go to another agency because the current agency is unethical and volatile.
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| 06/27/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I was a cosigner for a tenant at XXXX XXXX XXXX in XXXX of XXXX. When the tenant moved out there was a balance owed beyond the security deposit but I was never notified of this debt. I was only informed of this when I was declined credit and discovered that XXXX XXXX XXXX had sent the account to a National Credit Systems. As soon as I discovered that there was a problem I immediately paid the debt in full. When I asked if XXXX XXXX XXXX had my information they informed me that they did. Because they took no steps to inform me of the debt nor give me any opportunity to resolve the charges before they sent the account to collections, I dont believe that this is fair. When I asked XXXX XXXX XXXX for help they responded, " Any disputes or discrepancies about this matter do need to be in the form of written communication. While I do understand that it is paid, unfortunately there is nothing I can do personally to get it removed from your credit. You can contact the collection agency and they will assist you or contact us and let us know if there are any steps we can take to help get this removed from your credit. However, from my experience, that is not a normal occurrence. ''
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| 05/11/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On today XXXX XXXX XXXX a representative of the company National Credit Systems of XXXX Ga contacted me in reference to a rental property bill from XXXX . The representative answered the phone by stating my first name and then continued by questioning me about the bill. He did not verify my last name ; which has changed due to a recent name change nor did he validate any of my identity or state the Fair debt collection practice statements that are required when calling a consumer. He was unprofessional and also asked me am I avoiding paying my bill. I stated that I have not received any documentation and gave him my correct address and that I am a recent graduate and currently unemployed. The representative continued with threats that my credit was involved and also stated that he would make sure he ensured a more aggressive way to get me to pay my bill. I contacted the manager XXXX XXXX who refused to help and was also rude. I called again to verify that the representative who called name was XXXX XXXX . I would like to ensure that this representative does not contact me further, and once employed I will happily pay the bill to the appropriate organization.
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| 05/04/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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Based on the document with the account number XXXX and dated XX/XX/2023, it appears that National Credit Systems Inc is attempting to collect a debt of {$4900.00} related to an apartment. However, under the provisions of state and federal consumer protection laws, including the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), the recipient of this document has the right to request verification of the debt before any collection efforts can proceed.
Therefore, the recipient is instructing National Credit Systems Inc to cease collection of the debt until efforts are made to obtain verification. The recipient further asserts that any reporting of this matter to credit reporting agencies is premature, and that negative information should be removed from their credit report until the investigative process is complete, or at the very least updated to reflect their dispute.
It is important to note that the recipient has legal rights and protections under consumer protection laws, and any attempts to collect the debt must be conducted in accordance with these laws. Failure to do so may result in legal action against National Credit Systems Inc.
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| 09/17/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX I moved from an apartment complex by the name of XXXX XXXX XXXX. The housing complex absorbed my deposit which was around {$1400.00} and the debt was written off by the original creditor. I was contacted countless times by National Credit Systems Inc.the collection agency that I have to block them. I was surprised for them to still be able to call me just using another line of sorts. I was informed I could write a letter to have them cease communication with me in regards to the collection. I disputed the collection which in the amount of {$3000.00} with both the collection agency and the credit bureaus ( debt was opened listed XX/XX/XXXX ). I've written multiple dispute letters and none of the agencies can provide validation letters of the debt proving them amount owed or if it's even my debt. The collection agency forwarded me only a copy of a lease with what I assume are supposed to be my initials, but there isn't a clear signature. I keep asking for this debt to be closed and removed off all credit bureaus or renting database so that I can acquire housing, but they refuse stating the debt is valid even though they can not prove the debt and amount is even mine.
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| 12/08/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I rented an apartment for my daughter for her senior year at XXXXXXXX XXXX. I signed a 1 year lease from XX/XX/XXXX through XX/XX/XXXX. My daughter graduated in XX/XX/XXXX and I notified " XXXX XXXX XXXX XXXXXXXX XXXX '' that I would not be renewing the lease come XX/XX/XXXX. Mind, during the time their were a couple of months were I was late on the rental payment and the XXXX reached out if I was a day late and until I learned how to use their payment portal, I paid over the phone with a credit card.
We cleaned out the apartment over the summer of XXXX and come the end of XXXX, turned in the apartment keys to the onsite management office.
A year goes by and I start getting collection calls and letters from National Credit Systems , Inc. stating that we owe {$3800.00}??? ( Client Acct # XXXX and NCS Acct XXXX XXXX? ) XXXX XXXX ( landlord ) never reached out to me saying that I owed that money! They were real quick in contacting me during the year my daughter was there if I was late on the rent but no reach out after we left. They should have sued me and I would have met them in court!
This is now on my credit report!!!
Is there anything that can be done to resolve this?
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| 06/07/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I called National Credit Systems on XX/XX/2023 about a collection that is showing on my reports. I spoke with XXXX XXXX ( collection manager ). She explained the debt was from a previous apartment I had rented in XXXX and the charges were from carpet cleaning, I ask to see the billing statement from the apartment and pictures she sent photos only, I offered to settle the debt only if she agreed to delete the account of my credit reports, she said she could do that but refused to put it in writing. I told her I needed it in writing, she claimed she couldnt do that she could lose her job. She verbally agreed to delete but refused multiple times to put it on paper. She was very rude and talked over me, said that I wasnt worth losing her job over, she has kids she has to feed, and I could either take her word for it or it can just stay on my credit. She also claimed the phone call was being recorded, I find this very unprofessional they way she spoke to me and tried to belittle me. If she can agree verbally there is no reason she couldnt put the good will deletion in writing. I want this removed off my report asap and this company needs to be sued for the way they speak to clients.
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| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I'm filling a dispute against the company XXXX XXXX loft the furnisher, XXXX, and the collection agency National Credit systems. Over the last 9 months I have sent certified letters threw XXXX asking for proof of debt owed and have not received anything by mail or email. I myself have continued to ask for proof via certified letters and still have not received anything I'm now asking the debt be erased from my credit report it is enabling me to move forward with house rental and other credit loans. Over the last several month XXXX has attempted to refile my debt claim with several collection agency 's even after sending dispute letters XXXX and National Credit systems are the last two that have not dropped the debt claim. According to the Federal Credit law spelled out in the Fair Credit reporting, a credit bureau is required to respond to you and complete their investigation within 30 days. If they do not respond within this time frame, they must remove the negative listing disputed. The last certified letter was received XXXX XXXX this letter was sent by myself and XXXX stating they had only fifteen days to respond with a claim against the dispute not such thing has happened.
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| 08/26/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2023, I mailed XXXX XXXX XXXX XXXX XXXX an initial letter requesting full debt validation of the alleged debt in question via Certified Mail. XXXX XXXX XXXX XXXX XXXX received my initial letter on XX/XX/2023.
After 30+ days, I did not receive a response from their office, so I mailed my second letter requesting full validation for the alleged debt in question again via XXXX XXXX on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX received my second letter on XX/XX/2023.
After waiting for an additional 30+ days, XXXX XXXX XXXX XXXX XXXX failed to send their responses.
As a consumer, it deeply concerns me that despite my written disputes and the absence of proper debt validation, XXXX XXXX XXXX XXXX XXXX has continued to report this alleged debt on my credit reports as of XX/XX/2023, which is a collection activity. This persistent reporting constitutes a clear violation of the FDCPA and is causing me significant distress.
I do not know who XXXX XXXX XXXX XXXX XXXX is, nor have I ever done business with them or been lent any money by this agency for me to owe such alleged debt nor do I agree with this alleged debt on my reports as I never signed anything with such agency.
|
| 10/26/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
|
National Credit Systems is reporting an account on my credit file that should n't be there. I do not owe The XXXX of XXXX any monies and I have provided this information to National Credit Systems on several occasions. I also asked National Credit System to provide lease agreement information and validation of debt by letter and also by the original creditor The XXXX XXXX XXXX. National Credit Systems have failed to provide this information on several occasions. I want this debt and account removed from my credit report, this company will call my cell phone and hang up when I answer. It 's against the law to just report a debit without verifying the debt and providing proof. I want to see a balance from the original credit The XXXX of XXXX it will be {$0.00} because I owe them nothing. Please have this fraudulently company remove the following account from my credit files immediately. Can I also file a lawsuit against this company. The will not provide me with a full account number. The partial account number is XXXX amount {$780.00}. National Credit Systems should be investigated and permanently shut down. Please have them remove this account. Please and thanks XXXX XXXX
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Older American |
|
XXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX wasn't XXXX I was to rent bldg XXXX prorated rent for XX/XX/XXXX XXXX wasn't ready to rent requiresd major maintenance bathroom and bathtub ( unuseable ), kitchen also needed to be resurfaced maintenance work order completed XX/XX/XXXX had to wait before removing plastic maintenance didn't do clean up. XXXX days before completed. Leakin walls flooded carpet had to be cut in order to prevent mold. provided large portable electric heater to dry water damage for XXXX days increasing electric {$100.00}. They charged me $ XXXX for parking withour having a car for the fees {$240.00} total.
received national credit systems a bill for {$3200.00} balance forward {$2500.00} and added {$910.00} fed XXXX rent moved XX/XX/XXXX with paint, carpet cleaning, cleaiing total bill {$3900.00} requested a detail of balance forward couldn't provide.I went to debtor XXXX and was told no balance due account closed. National hasn't responded to calls letters and hasn't removed it from my credit reports. They have even sent email to pick up packages in XX/XX/XXXX. National has charges after XX/XX/XXXX open date XX/XX/XXXX. I can provide documents if required.
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| 09/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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national credit systems is attempting to collect an alleged obligation on behalf of XXXX XXXX XXXX. national credit XXXX on XX/XX/XXXX sent demand for payment under a 50 % settlement offer. per my knowledge there is no legal binding contract bearing my signature to contract with national credit systems.
the original creditor XXXX XXXX as inaccurately reported an alleged delinquent account bearing my personal information. per the law XXXX renewal was paid in full via the negotiable instrument provided to XXXX during the signing of my lease. per the bankruptcy act of XXXX XXXX gave the American people the right to pay for all debts by providing an negotiable instrument as I did when at the signing of said negotiable instrument on between the creditor and debtor in the year of 2019.
Per the debt collection laws national credit system is in violation of the FDCPA, TILA as the alleged debt as been satisfied. XXXX XXXX and National Credit Systems is in violation of XXXX6 CFR 433.2 along with Title 15 USC 1692 debt collection practices per the FDCPA. national system has committed identity theft as no permission was granted to house my personal information within their database
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| 02/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
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Web |
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I lived in the XXXX XXXX in XXXX, Ohio for around 2 years and enjoyed it very much but communication with management was always difficult. In XXXX of XXXX i decided to move out because i was only going to be attending the University of XXXX XXXX until the middle of XX/XX/XXXX and didn't need to sign another year lease at XXXX. I contact management and continued to move out paying my final dues. I then finished school and moved back home by XX/XX/XXXX. On XX/XX/XXXX i received a collection on my report for {$130.00} from National Credit Systems. I called and came to figure out it was for utilities in the apartment. At this point I've been moved out of the apartment for going on two and a half months and was never contacted or informed i owed on these utilities. I honestly thought the utilities would be turned off shortly after i moved out. So over time i have been thinking the best way to handle this without hurting my report. I have no problem paying the collection in full, but i am most worried about having this derogatory mark on my report. My goal here is to get the collection removed from my report so i can continue my journey in good credit and business endeavors.
|
| 10/29/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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In mid-XX/XX/2016, I was sent a credit collection letter for rent payment from multiple credit collection agencies. This was a week since I moved from the property. I received a phone call from XXXX XXXX XXXX, stating that they owned the debt. I notified the representative that her information is incorrect, as I have been already been contacted by two other parties. I kindly asked that NCS send a formal letter showing proof of the debt, with records. This is based upon the FCRA Act. I never received a correspondence. The representative called back less than a week later, where I stated, that everything needs to be in writing, and I have 30 days to reply.
On XX/XX/2016, less than 30 days, with no written correspondence. The representative placed the debt on my credit report, without my knowledge. The representative seemed to have taken my request for information and knowledge of the FCRA Act as a personal challenge. This was without providing adequate proof of the said debt, and knowledge of other agencies requesting debt collection.
I have disputed the item on credit report. NCS took it off and placed it back in less than 48 hrs. This is unethical and unprofessional.
|
| 10/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American, Servicemember |
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I did not owe this original creditor any money. I gave notice and left my apartment for medical reasons due to a XXXX. They charged without issuing an itemized bill and the collection agency refuses to work with me reporting this to XXXX. They have a monopoly with contracted Apartment Complexes meant to force tenants to pay exorbitant fees when they leave or ruin their chances of finding suitable housing ever again. Someone needs to investigate the relationship that this collection agency has with these companies as it's oppressive to lower-income working XXXXXXXX XXXX XXXX XXXX refuses to let me dispute this again after disagreeing with the results. I was a recent victim of XXXX XXXX and was displaced. This report keeps me from obtaining safe housing for my family and me. When I disputed, I was further punished by them updating the balance and date of the last activity to prolong the period that this will remain on my credit report against me. This practice needs the end.
NATIONAL CREDIT SYSTEM Original creditor : XXXXXXXX XXXX XXXX Balance details 0 % paid off Balance {$2100.00} Balance updated XX/XX/2022 Original balance {$2100.00} Account info Account number XXXX
|
| 06/28/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
|
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This is in reference to a balance due on a eviction from XXXX XXXX XXXX on XXXX AZ.
XX/XX/2015 I spoke with a XXXX XXXX a Debt collector at National Credit Systems Inc. I advised her that XXXX XXXX signed my XXXX lease 12 month lease and was not on any subsequent leases. I was the only person that signed the lease that was terminated in XXXX 2015. I advised her that any contact or threats of reporting to her credit report would be unlawful and I would seek legal remedy.
XX/XX/2015 XXXX XXXX contacted XXXX XXXX via telephone and advised her that collections has proceeded against her and pending bad mark on credit report. This is a debt that is MINE ALONE which the property management is aware. XXXX XXXX completely disregarded our phone conversation on XX/XX/2015. XXXX XXXX advised her that was not on my lease ( 2015 ) and not to contact her again regarding her son 's personal business. She terminated the call.
XXXX XXXX and National Credit Systems Inc has violated the FDCPA restrictions on 3rd party disclosure. I feel that these tatics are unlawful and violations of Unfair, Deceptive or Abusive Acts and Practices and this has prompted me to file another complaint.
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| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XXXX XXXX applied to the XXXX XXXX XXXX located in XXXX Texas on XX/XX/17. XXXX XXXX was assisting me with the leasing agreement during the time. I was informed that my Financial aid could not cover the full year of XXXX. I was required to have a Co signer to cover the expenses when the financial dissolved. I was also giving a time frame to contact XXXX XXXX regarding a Co signer and seeking more funds for financial aid or the lease would be terminated. I sent over an email on XX/XX/2017, stating that I am requesting to cancel my lease because of financial aid. I received a email from XXXX XXXX on XX/XX/2017 Acknowledging my email, stating that she was sorry to hear about my financial aid balance. If I have future request about XXXX please contact back. Prior to the email I was sent a denial letter stating termination because the deadline was not met for a co signer. I was emailed a welcome letter stating a lease agreement with a forged signature stating XXXX XXXX XXXX. I did not agree to proceed with the application. I have doucments showing that I lived on campus for the remaining of the year. Prior to the emails from XXXX and I stating the application cancellation.
|
| 11/07/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
Servicemember |
|
On XX/XX/XXXX NCS, A collection company that Ive never received communications from added an account that they had recently closed after I disputed. Same amount and original creditor. I had already disputed at the beginning of XXXX when the collection first appeared on my credit, I sent them two certified letters to request validation from. No response. Again, I had received no initial dunning notice or anything in writing from them.
Almost a month after I dispute, NCS adds {$1.00} to the accounts balance. I contact the consumer finance bureau to complain and after that, NCS closes the account. Just today i get notified on my credit reporting app that they have adding the same account that had been closed. Can they do this without having contacted me? I have not gotten any notice of the debt or my options. I have record of me trying to contact them and all of their updates they made before closing the original account.
They have ignored my certified letters as of XX/XX/2021 I feel i have some right to the information of my alleged debt before paying it off, it says Im already late on a payment but I didnt set any arrangement with them considering weve never spoken.
|
| 03/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
To whom it may concerned : I have been informed that there is a debt collection with balance of {$5900.00} with National Credit System ( NCS ) on both my XXXX and XXXX credit reports. I challenge the accuracy, compliance and reportability of this listing. There has been no validation of any information that I owe any amount of debt.
This listing was on my file ever since XXXX XXXX. However, I have not received any notice from NCS about this negative information. Per Fair Reporting Act section 623 ( 7 ) ( A ), " the financial institution shall provide a notice of such furnishing of negative information, in writing, to the customer ''.
Also, I mailed a certified Debt Verification letter to NCS on XX/XX/2021 ( USPS tracking number : XXXX ), requesting any contract or agreement that bears my signature to show my consent of payment/debt. After 30-day window, I have not received anything back from NCS that can validate the legitimacy of the above mentioned debt collection.
I have contacted both XXXX and XXXX to dispute this false reporint but NCS has " confirmed '' the information with both of them, knowing that the debt is non-existent ; which blocked my dispute.
|
| 02/28/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I received a letter from national credit systems inc out of XXXX, ga for a debt which I was unaware of. Its says I can resolve the matter for {$510.00} if paid by XX/XX/XXXX. Today is XX/XX/XXXX so I called. I asked the rep how fast this could be deleted from my credit report. She informed me I had to pay an additional XXXX on top of the XXXX they offered me. This violates FCRA. The rep then threatened that u wouldnt be able to move or get a job if I didnt pay. I asked for a supervisor and was hung up on. Since I was unaware of this debt I looked into my records and this was paid to XXXX XXXX XXXX years ago. They are preventing me from being able to get a house by falsely reporting this debt to my credit then trying to hold my credit XXXX by charging me an additional XXXX $ to have it removed as I dont even owe the money. Consumers should be protected from these bully tactics. My rights under FDCPA and FCRA have been violated the CFB should protect us from these types of places. I want this tradeline removed immediately before I pursue legal action. I have the recording of this call but the file is to large to attach but I can get it to you guys as proof of all this
|
| 12/31/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
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Web |
|
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my wife and i signed a lease with XXXX XXXX in XXXX XXXX it was for 1 year. in XXXX of 2020 our goverment put everyone on lockdown, isolation. not by our choice did we stop working. in XXXX we were served eviction papers in the middle of covid XXXX unable to work or go anywhere we were being forced out of our home. when we went to court we met the attorney for XXXX XXXX who told us that they didnt want any monies owed. if we would agree to vacate the premises then this would not be on our credit because it was no fault of our own, we agreed in front of the judge, unfortunately this did go on our credit and for 2 years we have been trying to have it removed. we have contacted XXXX XXXX and national credit XXXX to please remove this. this wasnt what was agreed upon. everytime we contact them they raise the price of what is supposedly owed, its horrible enough to be put out in the middle of covid but they continue to torture us by ruining our credit. laws were passed to protect us from companies like this. im attaching the court document where it clearly states posesion only. we are also including copies of the laws that were passed, hopefully it helps others as well
|
| 02/14/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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I contacted XXXX XXXX XXXX several times to indicate I would not be renewing my lease. XXXX XXXX XXXX never responded. An end of lease walk through was never completed. I moved out of the residence per my lease agreement. XXXX XXXX continued to charge me rent after I moved out. XXXX XXXX is also charging me for other erroneous fees they state I incurred AFTER I moved from the residence. I provided XXXX XXXX with documentation showing I moved from the residence per the lease agreement. XXXX XXXX never responded. XXXX XXXX then sent my account to collections. I told the collection agency about all that occurred and provided them with documentation to back up my claims. The collection agency said I didn't provide enough information which I do not agree with. If the documentation was reviewed by the collection agency, they would clearly see I moved from the residence and all my claims against the charges are accurate. After I requested the documents to be reviewed by the collection agency, they contacted me without having reviewed the documentation I provided and stated I needed to begin a payment plan even though I do not owe XXXX XXXX the money they are asking for.
|
| 02/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
On XX/XX/XXXX NCS contacted a family member to discuss a debt supposedly owed by me. I have not been contacted directly by NCS to discuss the details of this supposed debt. The collector took an opportunity to share the nature of the debt, lease terms and dates, amount due and even asked for a payment from my family member. The family member they contacted was listed on the lease - AS A RESIDENT ONLY - and the information that was shared with him was then shared with the rest of my family who are now all aware of the situation and have much more detail than I. I tried to call NCS on XX/XX/19to discuss, but was only able to leave a voicemail in a Manager 's mailbox. That call has not yet been returned. I sent an email to the company on XX/XX/XXXX to advise that I believe they are in violation of FDCPA. They replied back on XX/XX/XXXX that they are researching the issue. I don't believe much time is needed for review, since they should have a copy of the lease before they started dialing. I'm not even sure how they got my family member 's telephone number because he does not have the same number as when we lived at the property for which NCS is trying to collect.
|
| 05/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
You are fraudulently and falsely reporting HOW ARE YOU FALSELY & INACCURATELY REPORTING MONTHLY LATE PAYMENTS TO CREDIT BUREAUS/AGENCIES ON A VEHICLE/PROPERTY YOU HAVE IN YOUR POSSESSION? The account you are reporting on has been IDENTIFIED as a VOLUNTARY REPOSSESSION or ILLEGAL EVICTION & NO MONTHLY PAYMENT ACCOUNT SHOULD APPEAR or EXIST after a the vehicle/apartment was repossessed/vacated I have a right to factual reporting on my credit profile You have falsely reported XXXX late payments since XX/XX/2017 the vehicle/property was sold/rented and was covered by gap insurance or renters insurance or homeowners insurance or my security deposit you have refused to show proof of CHECKS or/and MONEYS received from GAP INSURANCE/Renters Insurance Homeowners Insurance/ Security Deposit COVERAGE. Since the vehicle or apartment is no longer in my possession or occupied by me it is impossible for me to DEFAULT or INCURE LATE PAYMENTS after the fact I have a right to have an accurate and FACTUAL CREDIT FILE & DISCREPANCIES like this are UNACCEPTABLE and VIOLATE MY CONSUMER RIGHTS. So please immediately remove this account and its entirety from all my credit files/reports
|
| 07/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
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I filed for Chapter XXXX bankruptcy PRO SE back in XX/XX/XXXX and listed my apartment complex as a creditor with an unexpired lease on my schedules. Throughout the bk proceedings, I still lived there and paid my rent. My bk was discharged in XXXX and closed in XX/XX/XXXX. My lease ended XX/XX/XXXX and they are trying to collect about {$800.00} in move out fees for worn carpet through a collection agency. They sent it to collections the day AFTER my lease ended without contacting me. My question is, since they were listed on my schedules when I filed, can they collect any amount from me even though my lease ended after my bk was discharged? I had a similar situation with my vehicle lease where when I filed, my lease was still active and didnt officially terminate until AFTER my bk closed. Even though I knew I would have owed the finance company money for going over my lease miles ( est. around {$4000.00} over ), they wrote it off as included in bk and never attempted to collect. If it turns out the apartment complex cant collect, do I need to hire an attorney just to tell them they cant collect from me? I think theyre doing this just because I didnt have an atty.
|
| 01/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I lived at XXXX XXXX XXXX XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX ( Contract Dates ).
I actually left on XX/XX/XXXX XXXX XXXX days after ). I had notified the apartment few days prior to my move-out day that I had an emergency that would make me stay a few days after..
I cleaned the apartment thoroughly before I left. I took and still retain video record of the apartment just before I left. The room was in sparkling condition - No broken blinds, no scratched walls, and no ripped carpets. See attachment for breakdown of these fees as provided by the debt collection agency. Due to file size concerns, I have attached a compressed copy of the move-out video recording. I would happy to provide the original copy, if requested for evidence.
Subsequently, the property management company XXXX XXXX XXXX Apartments ) wrongfully used my deposit to renovate ( remodel ) the unit. And further charged me XXXX months rents for leaving the property XXXX days late. This is wrong, unfair, and unjust.
XXXX XXXX Apartment XXXX XXXX XXXX Company ) is now going through the National Credit Systems , Inc. ( Debt Collector ) to recoup the rest of the frivolous charges from me.
|
| 10/06/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
Beginning Winter of XXXX after requesting my consumer report- I started a dispute THROUGH XXXX for National Credit Systems about INACCURATE information on my credit. This information was disputed through the other credit bureaus and was removed due to INACCURACIES and failure to provide proper proof from the creditor. I submitted written letters ( in which I have copies ) that have stated THIS IS NOT MY DEBT. XXXX claims to have done investigations ( which I counted to Dispute for almost a year ) ; this is false. I have requested for proof XXXX, XXXX, XXXX, XXXX Each month multiple times ( written form ). Just recently, XX/XX/XXXX, I came across an email for from the company in which I allegedly have a debt with ; with a EXTREME DIFFERENCE of what was reported which is still inaccurate. This LETTER IS FROM THE COMPANY AND READS FINAL BALANCE. I have done the work for XXXX. I submitted proof that could have been validated FROM THE EMAILS and signatures attached ( including contact info ). XXXX wont allow me to dispute this!!! They will not investigate and have not investigated. I provided documentation to support my argument and NATIONAL CREDIT SYSTEMS HAVE NOT.
|
| 02/16/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
This company continues to report inaccurate information on my credit report. Initially, this company was reporting two separate accounts for the same apartment complex in the amounts of {$2000.00} and {$2100.00}. I disputed through the credit bureaus several times, yet they kept stating the accounts were accurate. On several occasions, I have asked this company to provide validation, not verification however, they have failed to do so. I filed a dispute with the CFPB and attached the judgment for the apartment complex they are trying to collect and they finally decided to delete one of the accounts stating it was a " duplicate '' which is completely false as the accounts they were reporting were for different amounts. I do not understand how this fraudulent company feels they can report what they want, when they want without providing accurate information. Also, the judgment that was granted for the apartment is {$970.00}, but this company is requesting {$2100.00}. It is not legal for them to override what a judge ordered. At this point, this fraudulent company needs to delete the account immediately or I will take legal action as this a violation of the FDCPA.
|
| 01/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My husband and I moved out of the XXXX XXXX apartment complex in XXXX, Colorado as of XX/XX/XXXX, rent having been paid through the end of the month and owing no money as per the lease agreement provided to us by them. On XX/XX/XXXX I get a credit alert that they have put in a claim to collections for {$630.00} with no supporting documentation or reasons as to why or how the debt is supposedly ours.
We can supply a copy of the lease agreement showing that we owe nothing upon moving out and bank records showing that rent was paid for that entire month in full. The paperwork supplied clearly states that the checked box replaces the early move out provision and the amount is blank, meaning nothing is owed if a move is conducted before the lease is up.
We tried to dispute this with XXXX, to no avail. We need this removed from our credit reports as we are trying to obtain a business loan to start a new venture.
This is how it appears on XXXX : Company : National Credit System Address : XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX Phone : XXXX Alert Date : XX/XX/XXXX Balance {$630.00} XXXX XXXX 's contact information : XXXX XXXX XXXX XXXX XXXX, Colorado, XXXX XXXX
|
| 05/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX XXXX XXXX at XXXX XXXX. XXXX XXXX XXXX Arizona sent a manufactured charge to collections after I moved out of the apartment I lived in XX/XX/2022.
They have listed multiple utility charges for the month of XXXX even though I moved out on the XX/XX/XXXX as stated in the move out statement.
On top of that there is a carpet cleaning charge that was initiated which they already have advertised in the beginning of the lease for 1 free carpet cleaning service which they have never performed.
They have sent {$92.00} to a collection agency called NATIONAL CREDIT SYSTEMS INC.
I would like to have XXXX XXXX XXXX to be investigated since they are a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I believe there could millions of victims with such similar or same fraudulent & manufactured charges sent to collections.
I also would like to ask for an investigation if there is any investor relationship between XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX, XXXX and National Credit systems Inc National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX, that both parties may be working together to defraud unsuspecting tenants of Millions of dollars every year.
|
| 07/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
|
|
National credit system XXXX XXXX XXXX {$4500.00} XXXX Initial call me to inform me of this debt. The reps stated that if I pay 50 % before XX/XX/XXXX I will be a pay and delete. I asked him if I can not find the funds within that timeframe and if the company offers the same thing in the future, will it be paid for delete. He stated yes XXXX Initial call me to inform me of the same offer. This time he stated that he never said that on XX/XX/XXXX. I asked for the voice recorder from our calls to confirm it. He got very angry on the phone and send me to his manager 's voice-mail. Left a voice mail, and never received a callback.
XXXX initial call me for the same package deal. Told him that I waited for the voice recorder from XXXX to confirm that he told me that I can pay {$2200.00} for payment for deletion. Once again, he got very aggressive on the phone and send me to the manager. Spoke to him briefly because he immediately hang up on me when I tried to speak to him on a civil matter. I'm just trying to request the recorder from our previous conversation to confirm what has been told to me. They're being hostile and I want to resolve this matter and move on.
|
| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
The credit bureau never did a proper investigation according to the FCRA. The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information.
They did not do this.
Also, they have violated my rights even more In accordance with the Fair Credit Reporting Everything has to be 100 % accurate on my credit report.
The Credit bureaus stated my account was properly investigated but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This ground for removal, They also violated the law because according to 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions I did not give anybody written instructions
|
| 03/01/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I spoke with Mrs. XXXX and her Manager with this company. It's been since XX/XX/XXXX that we been trying to get this debt resolve and the company and XXXX XXXX is refusing to do so.
My husband and I leased an apartment from XX/XX/XXXX to XX/XX/XXXX. We decide to not renew our lease for Health reasons as the apartment complex was not being keep sanitize during Covid19 main peak. We were only owing the apartment {$430.00} for XXXX rent and nothing else. The apartment manager decide to retaliate against us for not renewing our lease and charge us unknown charges to us. Our contract never had a garage and we're getting fees for a garage. Utilities that were paid off and we never received any utilities with the correct amount and XXXX XXXX refusing to give us a copy of the utilities being used for the apartment. We have tried over and over many times and do not want to fix this. I have emails from the Regional manager were she states we only owe the {$430.00} and National Credit Systems is refusing to acknowledge this correct balance. We need assistance in claim Fraud against these two companies and trying to gain money from us when the amount is incorrect owe.
|
| 08/08/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I rented from XXXX apartments in XXXX. I broke my lease, gave more than 60 day notice. The management company was to send me a bill to my home address, because they did not calculate the final move out bill ( {$580.00} ). The company lost my address and never sent me the final bill, did not call. I called management 3 times to ensure my file was satisfied. They changed management companies, lost my file and slapped me with a collections charge of {$690.00} months later.
1 ) Charge is too high 2 ) management negligence caused this to happen 3 ) I was not allowed to speak to management after it went into collections.
Here is the latest letter they sent me : XX/XX/XXXX Current Creditor : XXXX at XXXX XXXX XXXX Balance : {$690.00} Enclosed you will find copies requested.
If a balance is remaining on your account ( see above ), you may send payment in full to National Credit Systems , Inc .
Otherwise, you may contact our office immediately at ( XXXX ) XXXX.
It is important to know that National Credit Systems , Inc. is a third party debt collection agency whose efforts are solely on behalf of the current creditor who has previously validated this debt
|
| 04/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A former apartment complex { XXXX XXXX XXXX XXXX } that myself and my daughter lived at for approximately 2 months are fraudulently trying to collect a debt from us via a collection agency : { National Credit System }. They placed this debt on each of our credit reports stating that we damaged their carpets via pet urine. Although a former attorney that I had last year emailed them showing verification that my daughter is severally allergic to pet danger. Therein, proving that we would never have a pet in the home. They also kept our paid deposit as a result of this illegal and unethical act.
Can you please help us as my daughter is only XXXX XXXX XXXX and does not need her credit damaged because of this falsehood. Additionally, I even told National credit systems representative XXXX XXXX } that I would pay the false debt if she sent me proof in writing that the collections would be deleted after payment. But, she refused to do so, stating that I should just take her word for it.
Additionally, National credit systems never sent me anything in writing before placing this debt on our credit files. This is also against the fair credit reporting act.
|
| 12/31/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National Credit Systems ( debt collection company ) attempted wrongfully obtaining a double amount of my initial debt owed by posting the same charges of {$500.00} and {$1500.00} from the same company two times : 1 ) XX/XX/21 ( 1st time the {$500.00} and {$1500.00} amounts posted ) and 2 ) XX/XX/21 ( 2nd time the {$500.00} and {$1500.00} amounts posted ). As per the itemized list of charges provided by the debt collector via email ( documents that can be provided upon request ) on XX/XX/21, I owed a total amount of {$2000.00}. I then made an initial payment of {$50.00}, bringing it to {$2000.00}. However, on XX/XX/21, there was a change on my XXXX credit report, stating that there was a new posting of the {$500.00} and {$1500.00}, which had been already claimed by the same company and debt collector that I was working to pay off. This " new '' debt posting brought my cumulative debt total to {$4000.00}. This is a breach in my rights as a consumer under the FTC laws and guidelines and would like for the National Credit Systems, as well as, XXXX XXXX XXXX XXXX, to both be investigated in this fraudulent, unlawful scheme as my rights have been breached.
|
| 05/13/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
Servicemember |
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I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof.
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| 05/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX XXXX XXXX representing XXXX XXXX XXXX XXXX XXXX claims I owe them {$5100.00} or my account was charged off {$5100.00} They have refused to respond and acknowledge my formal notice sent on XXXX disputing the claim. ( tracking # XXXX ). In that letter I was requesting validation of competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay them.
NATIONAL CREDIT SYSTEMS Failure to respond within 30 days of receipt of the certified letter may result in small claims legal action against their company, for defamation, negligent enablement of identity fraud, violation of the Fair Credit Collection Practices Act ( including but not limited to section 807-8, and violation of Fair Credit Reporting Act ( including but not limited to Section 623-b ). That letter was an attempt to correct their records.
Any negative mark found on my credit reports from NATIONAL CREDIT SYSTEMS or and company that they represent, for a debt I DO NOT owe is a violation of FCRA & FDCPA, therefore since they can NOT validate the debt, NATIONAL CREDIT SYSTEMS must request that all credit reporting agencies delete the entry.
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| 05/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Used obscene/profane/abusive language
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Web |
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Called collection agency and telephone operator would not listen, consistently said that I was not making sense because I was XXXX XXXX. Harassed me about my XXXX XXXX any time I tried to present my case. She said that I was so XXXX XXXX that I was " not comprehending. '' This is was only a tactic used to invalidate my concerns. She used my XXXX against me rather than taking reasonable time and energy to understand what I was saying.
What I was trying to say was that management had told me to call the police on my neighbor without any good reason. They wanted me to help illegally evict my neighbor. They told me he was dangerous and told me to " be safe. '' It precipitated psychosis. They never returned my phone calls or tried to resolve the matter after several attempts I made trying to contact them. They just turned everything over to a debt collector without trying to work things out. I did everything I could to take care of the matter, but they told me to call the police and that was manipulative and wrong. It made me mentally unstable and unable to continue living there. I had to go into the hospital and was unable to return to the apartment.
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| 12/14/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I moved out of XXXXXXXX XXXX XX/XX/XXXX my lease was broken early. I was contacted by XXXX XXXX in XX/XX/XXXX to advise an amount via email. I personally went to the office and met with XXXX the manager who acknowledged the termination fees were charged twice in the amount of {$3900.00} The fee in the lease shows two months rent. My rent was {$980.00} the fee was {$1900.00}. We agreed to settle for {$1500.00} for the mix up. They didnt give me enough time to pay the debt. I noticed it was sent to collections for {$5300.00}. I was contacted by XXXX XXXX XXXX in XX/XX/XXXX attempting to collect a debt. I was contacted again by XXXX XXXX representatives in XXXX, XXXX, XXXX of XXXX attempting to collect a debt. I filed a dispute with the credit bureaus as well as the debtor that the balance {$5300.00} was incorrect. I provided emails between XXXX and myself with the amount of {$3400.00}. I tried to settle the debt but at the correct amount of {$3400.00} not {$5300.00}. My credit report was updated XX/XX/XXXX. This has caused XXXX XXXX and XXXX as Im unable to refinance my home and my autoloan was given at a higher interest rate due to this inaccuracy.
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| 03/24/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted XXXX XXXX XXXX ( XXXX ) by mail and through CFPB complaints about this alleged debt that is still reporting on my credit report. I have never made accusations about identity theft but this seems to be the route they want to go. I have asked XXXX to provide validation of this debt which they still not to this day provided. The information attached is provided. They are giving the appearance in their response to me they have provided this information when in fact they have not verified. In there in complaint # XXXX they stated they sent an identify theft verification form. No such verification was provided by XXXX. XXXX is still reporting on my credit report which is considered a collection tactic and a violation of the FDCPA and harming my character which is a violation of the FCRA. So I will ask again because I am prepared to take this to the state AG office to provide the following to the CFPB and myself : How has this debt been verified and certified to be accurate under the FDCPA?
Relationship documents XXXX has with the original creditor. It must contain quitclaim language. ( A STATEMENT IS NOT ENOUGH XXXX MUST BE COMPLIANT )
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| 11/27/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I sent a certified letter ( requested by my agent with the debt company ) with the relevant information about my account with The XXXX at XXXX XXXX not actually having a balance ( this included the image of the cashier 's check that was cashed by the apartment complex, a note signed by the manager stating the account actually had a XXXX balance, and my copy of the cashier 's check. ) It was delivered on XX/XX/2023 XXXX am to their XXXX XXXX . I also called on the XXXX of XXXX to ask about my status and was told it was " in processing '' by a manager at the company and was told to check back the next day. I have given the company almost XXXX weeks since that specific phone call and have heard nothing.
I also have confirmation that the manager of the apartment complex in question ( The XXXX at XXXX XXXX. XXXX XXXX ) both called and emailed with XXXX XXXX on XX/XX/XXXX regarding my account being closed immediately, as I was placed with collections by a clerical mistake on the apartment complex 's part. And they sent a follow up email on XX/XX/XXXX with my account number to make sure the debt company had the relevant information to close my account.
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| 10/05/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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During the last week of XXXX, I spoke with a representative from National Credit Systems that stated my account had already been submitted to a lawyer and she gave me a different department. I then spoke with a representative that offered a settlement in the amount of {$1900.00}, however it had to be paid within a week. I explained to them that I did not have the funds and I was told then we cant help because its going to court. In an effort to still rectify the situation I called once I had the funds available, on XX/XX/XXXX, and I was then told that the account was back with National Credit Systems, and to avoid a judgement on my credit I needed to pay {$2600.00}. I again called the very next day and was told I needed to pay {$2900.00} for the same reason. At that point, I asked to speak with a supervisor and when I spoke with him he stated he has no control over what the creditor asks for, it that he would contact them and call me back the early part of the next week with a settlement offer. Well, that was last week and I never received a call. I called again in today, XX/XX/2020 and was out through to a voicemail on three different occasions.
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| 02/28/2020 |
Yes |
- Debt collection
- Federal student loan debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My name is XXXX XXXX my social security number is XXXX date of birth XX/XX/XXXX. My complaint is that national credit services UNLAWFULLY seized my federal income tax RETURN in amount of XXXX I call the irs to check on my tax return and I was told that national credit services and us department of EDUCATION took all my money they claim that I owe them money I told the irs that I don't have any student loans with us department of EDUCATION and the collection agency that took my money UNLAWFULLY. The money that's own to them is my wife 's debt her social security number is XXXX name XXXX alty date of birth XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX XXXX ny XXXX she was on a forbearance and they told her that they will not take legal action. Regarding me XXXX XXXX my social security number is XXXX. They took money UNLAWFULLY from my accounts to pay hers. Her student loan is a individual 's account not joint. So us department of EDUCATION and national credit services did fraud to me. This is not my debt at all I'm the husband. I don't have any loan s with them. Can you please recover my money. I also made a complaint toXX/XX/XXXXXXXX XX/XX/XXXXnews
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| 03/03/2018 |
No |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/XXXX I had filed a written dispute againist the XXXX XXXX XXXX which has a negative remark on my credit in the amonut of {$360.00}.
Along with this written dispute I also mail out the same copies to all 3 credit bureaus. I have yet to receive proof nor evidence that I m the owner of this debt and the 3 bureau 's have still let this remain on my credit. I had went to visited the last known address that I knew of the original creditor and they are under new management, and had no such evidence that I ever owed them any money. I then went to call the 2nd party debt collector on XX/XX/XXXX, National Credit, and they stated to me that they had no way of contacting the original creditors. I then ask who can I speak with to resolve this issue they stated to me that I had to proof that I didn't owe the debt. At this point I feel that this is not fair to me to have to pay {$360.00} for something that I don't owe.
Along I will provide evidence that I don't owe any debts.
Pay close attention to the dates please.
Every signature is indeed my actual signature, all the places that my signature is the only documents that I have ever acknowledged.
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| 11/07/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Was not notified of investigation status or results
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Web |
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After I received something in the mail that informed me about a debt I was being asked to pay. After calling the number provided on the notice, I disputed things. When they sent me the verification they had, it was different than what I had been received from my previous property manager ( the creditor ). After speaking with XXXX XXXX, they asked me to send them what I had showing I did not owe anything. I sent them what I had, that included the more detailed itemized list of what the creditor is wrongfully attempting to collect, as well as a stipulated agreement signed by the courts that states clearly that I would not be held responsible for certain things that is what Im being now billed for. I did recently realize that the date shown as the date that I allegedly moved out by is not correct. The creditor put down that I moved out on the XXXX of XXXX. I actually moved out by the XXXX of XXXX. If I had stayed past the agreed move out date then I assume that something would have been filed with the courts or the sheriffs would have been contacted to remove me. Nothing of the sort ever happened because I was out by the date I agreed to be out by.
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| 11/24/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I got the collection notice from National Credit Systems , Inc regarding my debt from my previous apartment ( XXXXXX/XX/XXXXXXXX, TN ) amount due of {$400.00}. Upon receiving notice, I have immediately contacted both credit agency and XXXX XXXX office to resolve the issue. After series of emails and evidence submission, the XXXX XXXX apartment manager sent a confirmation email to me that i don't owe anything and it was mistake of old management. I have notified same thing to collection agency.
I have again received another letter from the same collection Agency ( National Credit Systems , Inc, XXXX XXXX XXXX, XXXX, GA XXXX ) on XX/XX/22 regarding the same issue. I have called them and notify the settlement with XXXX apartment. They were rude and threaten to put it my credit report. I have repetitively told them to check with apartment office but no positive response. I have also called XXXX XXXX and asked them to notify them.
With all these efforts to resolve this matter, they still put the mark on my credit report today which impacted my credit score. Please help me resolve this matter and take action against this credit collection company.
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| 02/16/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am requesting that you provide verification of this debt. Send the following information : The name and address of the original creditor, the account number, and the amount owed. Verification that there is a valid basis for claiming I am required to pay the current amount owed. Details about the age and amount of the debt including a copy of the last billing statement from the original creditor ; a detailed explanation any interest added or payments made since the last billing statement and the legal authorization for this interest ; the date the original creditor claims this debt became delinquent. Whether this debt is within the statute of limitations and how that was determined. Details about your authority to collect this debt : whether you are licensed in my state and if so provide the date of the license, name on the license, license number, and the license number, and the name, address and telephone number of the state agency issuing the license. If you are contacting me from outside my state, provide the licensing information from your state as well. I need more details about what you claim I owe so that I can make an informed decision
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| 03/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Submitted a Texas Debt Validation request under the Tx Finance Code. National Credit Systems responded with an incomplete validation that did not cover all items requested or required by the Texas Finance Code. They responded that they are not required to send the information requested.
National Credit Systems Response - " The consumer has requested information that is not relevant to the validation of his debt. We have mailed the legal and valid copies of charges to validate this debt, as required by the FDCPA. Please have the consumer review the charges and contact our office. Thank you, National Credit Systems , Inc . '' I did not file a direct dispute under the FCRA. It was requested under The Texas Finance Code Chapter 392 which by law requires the below information.
The name and address of the original creditor The original date of default or non-payment of the debt with original creditor The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Any fees added by your agency. Sec. 392.303 XXXX a ) ( 2 ) Texas Surety bond information as required by Sec. 392.101
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| 09/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Other personal consumer report
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- Incorrect information on your report
- Information is incorrect
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Web |
Older American |
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Falsely Reported on Credit Buros for over 4 years, damaging our credit records & causing us harms since been denied place to rent, live, having to paid pretty much over 50 % of our income at locals Hotel since we move from XXXX to XXXX XXXX on a New Job trends. We paid our rent on time, every month, on vacating date a review the premisses an release us conforming site rules and regulations without any additional charges with the promise of forwarding the initial deposit to our new address, ( We got a copy of that Doc & Deposit Cashier Check copy ) We didn't received the deposit instead we received a charge for {$530.00} We have disagree with the new charges and a dispute all these years along it.
We might provide throug all places lived before a Clean Renters Records, this company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, through deb collectors National Credit System Inc, have placed us in a very bad situation since reported credit buros because we have been denied a place to rent and live due this situation, we have been living in a hotel room for over a month so far, our belongins in a XXXX storage pending on clearing this situation.
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| 04/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.
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| 05/19/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I MOVED OUT OF THESE APARTMENTS IN XX/XX/XXXX. XXXX A STAFF MEMBER OF XXXX XXXX OFFERED TO COMPLETE WALK THROUGH AS XXXX XXXX HAD THE OFFICE CLOSED DURING BUSINESS HOURS AND WAS UNAVALIBLE XXXX INFORMED THAT EVERYTHING CHECKED OUT GOOD AND XXXX WILL MAIL DEPOSIT ALONG WITH COPY OF WALK THOUGH I PROVIDED KEYS TO THE UNIT. HE REQUESTED CONTACT INFORMATION FOR XXXX IF ANYQUESTIONS. I PROVIDED MY FORWARDING ADDRESS AND EMAIL AND CELL NUMBER AND MOTHER. I NEVER ONCE RECIEVED ANY COMMUNICATION/ CORRESPONDENCE OR DID ANY STAFF MEMBER OF XXXX XXXX XXXX ME IN REGUARDS TO ANY BALANCE DUE OR OWED NEVER RECIEVED MY DEPOSIT CALL NO ONE ANSWERED OFFICE WAS ALWAYS CLOSED WHEN I WENT BY. LEFT IT AT A LOSS. I SEEN ON MY CREDIT REPORT XXXX XXXX XXXX WAS REPORTING A BALANCE OF {$430.00} ON XX/XX/XXXX HOWEVER COM IN WHICH WAS NEVER DISCLOSED WITH ME I ASKED THEM FOR PROOF AND DOCUMENTATION THAT SOMETHING WAS SENT TO ME BECAUSE I DID LEAVE M CONTACT INFORMATION AND STILL HAVE NOT RECIEVED ANYTHING CALLED APARMENTS SPOKE WITH XXXX STATED COMPANY HAD BEEN BOUGHT OUT NO LONGER IN BUSINESS. I ASKED THEM AND HAVE DISPUTED THIS COLLECTION FOR MONTHS AND NO RESOLUTION.
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| 03/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called outside of 8am-9pm
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Web |
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On XXXX XXXX 2016 at XXXX am i received a phone call from debt collector call National credit systems inc. That lady call me ( XXXX ) she told that she called about a debt that I own XXXX apartment i told her that I do n't own XXXX apartment and i told her what is the debt about and she said that for carpet removed and painted the apartment i said i do n't think so cause i do n't own them and told that what argument I have to support my case, I did n't gave her my arguments because she talked like the XXXX XXXX office. After a week i received a letter from that debt collector, i call to dispute the case right away and i received that same lady name above she forced me to give her my arguments explain to her A thorough Z to support my the case. She put me on old and never came back i hang up the phone after a hour i call back and she changed everything everything about the debt i said ok send me the document that XXXX send to collect the debt and she says no she ca n't send to she says that she gon na send me another letter to send her document to support my statement and i told her XXXX did n't gave me that option to have those documents. ..
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| 02/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Older American |
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My family have very good relationships with the landlord in XXXX XXXX TEXAS, assigned by XXXX and XXXX owner residing in State of Georgia before we move-out from property, because we bought our owned house.
After a year in our house my family received a letter from Credit collection dated XX/XX/2022 ... and I learned also those thing when i'm filling for re-financing... I personally called and spoke to the representative of the collection agency, and told Her that my family vacated the rented property with good term with landlord in XXXX XXXX Texas.
The representative told us that my Family of XXXX was evicted on that property, the owner of the property from Georgia told her about it.
Actually the Landlord had 4 voices messagings recorded on my I phone with nice and showing my family left the rented property with a smooth transcestion.
And they did not repair give action to our complaints, the Fences, Aircone, the house premises was Rats infested, the security lights, and dirty carpets, no Dishwasher, no Gasstove and also lot of things so the landlord in XXXX XXXX, Texas did not renew our.
contract, to get rid of ( my family ) us.
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| 09/24/2018 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I was contacted on XX/XX/XXXX on the phone by National Credit Systems , Inc. telling me that I have a debt that they are trying to collect. During subsequent calls I repeatedly asked the representative from the company to mail me information and a return envelope so I could send a check to them but she never sent me anything and told me the only way to pay would be by giving her my credit card information over the phone or my bank information. This is after repeatedly verifying my identity over the phone by giving the caller my address which she confirmed she had. XX/XX/XXXX I received a letter, again with no information about how to mail payment, saying the debt would be reported to the credit bureaus. I was never informed I could dispute the debt and the untimely communication with National Credit Systems inc. gave me no choice but to give my credit card information over the phone because of threats from the representative who again refused to mail me anything about this debt. I was never trying to get out of paying the debt but I never had any physical proof that the debt was truly owed or that the people contacting me were not scammers.
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| 12/16/2016 |
Yes |
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- Taking/threatening an illegal action
- Sued w/o proper notification of suit
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Web |
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As I was going through my battle with XXXX XXXX. XXXX was involved in the process without my knowledge through my medical provider. Since then this has been turned over to collections and now lies with a law firm XXXX and XXXX. XXXX # XXXX. Since their acquiring my account I have Received over XXXX legal threatening phone calls and voice mails of which I kept records. Letters threatening legal actions and account freeze, income garnishments, etc.
I have a copy of my credit report that I personally obtained and the " Original Ceditor is C.S.I. XXXX and the collection agency is National Credit Systems.
Due to my illness, I am currently on XXXX. income and have XXXX insurance with complete coverage of all medical bills. On numerous occasions, I attempted to pass this information on to National Credit Systems they refuse to take record of this info. and my every attempt to contact XXXX and XXXX. has been met with contempt and threats to pay in full or they will proceed.
My XXXX insurance has been effective since XX/XX/XXXX and I wish to resolve this matter A.S.A.P. so my Credit Report can return to its deserved position.
Respectfully, XXXX
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| 07/16/2022 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My name is XXXX XXXX XXXX, a federally protected consumer, and I am making this complaint against National Credit System for committing identity theft. I have never given National Credit System 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 1692 ( 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 System can provide me with sufficient documentary evidence that I have legal obligation to pay them. If this documentary evidence can not produced and National Credit System continues its collection efforts, I will file litigation for actual damages caused and National Credit System will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC1-202f. Your prompt attention and response are both requested and required.
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| 06/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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My lease with the apartment complex XXXX XXXX ended on XX/XX/XXXX. I received a final statement through email and regular mail. It said I had 10 days from notice to pay the amount of {$170.00}. Which I went in and paid on XX/XX/XXXX. I have a money order receipt signed by them stating that I was paying my final statement in full. But now it has come to my attention that I have an account in collections that is demanding said amount when it has ready been paid for. Not to mention that upon further inspection i have realized that i was over charged. The bill stated that my lease ended on XX/XX/XXXX which let them charge me extra for staying until XX/XX/XXXX. Which is not accurate given I signed a 13month lease concluding on XX/XX/XXXX. It also stated that my reason for moving out was " money problems ''. In the whole 13months I lived there I missed paying on time once and that was a time mismanagement on my part. I did informed them when they asked what my rent would be at the new complex, that it would be about {$300.00} cheaper. I don't believe that wanting to save money is a reason to be considered as someone who has " money problems ''.
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| 05/27/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I received a debt collection notice from National Credit System ( NCS ) regarding my refusal to pay a debt owed to XXXX on the Lake for carpet replacement in the amount of {$1000.00}. This is a debt that I was totally unaware of and do not owe. I have contested this bill and requested proof of the allegations and NCS would not provide any additional information regarding my request. Instead they were threatening me to pay this bill without any explanation as to how XXXX came to the conclusion that I was responsible for total carpet replacement in my apartment without notifying me of the damages. I provided them with my copy of the final walk thru paperwork that the XXXX management team completed which made no mention of the carpet needing to be cleaned, repaired or replaced. I lived in the apartment for two years and three months prior to my departure I received my free carpet cleaning from the XXXX Maintenance Staff for renewing my lease. NCS has reported this erroneous information to the credit reporting agencies, and now my son and I have this negative information on our credit report without a thorough explanation or proof of damages.
|
| 09/26/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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National Credit Systems is currently reporting an account from XXXX apartments to the credit bureaus. Its also reporting incorrect information on the account as there is a joint applicant that I have no association with. I have spoken with National Credit Systems multiple times over 2 months timespan. I filed a dispute and was advised on XX/XX/2022 that the incorrect account on my report would be removed. That statement was provided in an email dated XX/XX/2022. National credit systems has yet to remove this fraudulent account. Today XX/XX/2022, I called and spoke with XXXX who says he is a collections supervisor. XXXX advised that the account was closed but reopened with a note stating it was closed in error. XXXX also stated on XX/XX/2022 that XXXX XXXX has advised they can not verify the debt and that the account should be closed. Despite XXXXXXXX XXXX advising the account should be closed, XXXX advised the account would not be closed if I did not send in proof that the application should be free. XXXX provided an email address for his supervisor XXXX XXXX and very rudely hung the phone up. I sent the email to XXXX XXXX on XX/XX/2022
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| 07/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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My girlfriend and I moved out of our ( XXXX at XXXX XXXX ) apartment on XX/XX/XXXX. We paid our rent in full, in addition to the required fees per the online invoice. Nine months later ( late XXXX ) we received a collections request from National Credit Systems Inc on behalf of XXXX at XXXX XXXX indicating we owed {$210.00}. There was no detailed explanation as to what the debt was for at all.
On XX/XX/XXXX we responded ( via registered mail ) to National Credit Systems disputing the debt and asked for debt validation. It wasn't until XX/XX/XXXX we received a letter from National Credit Systems demanding payment or our credit would be affected, and no explanation or validation of the debt owed included in the letter.
We checked our credit and found out that National Credit Systems had attached our credit back in XXXX of XXXX.
On XX/XX/XXXX we wrote another letter back to National Credit Systems ( sent registered mail ) explaining to them that we still have not received a debt validation letter from them and that they have violated several sections of federal law by their actions and/or nonactions. We have yet to hear back from them.
|
| 03/08/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/XXXX due to XXXX XXXX XXXXXXXX management not being able to hold up their part of the contract which is to provide a safe place of living for my family. Many incidents happened in the short time from when we moved in and i made the property management aware ans they were unable to fix it so we moved out. We were in communication by email and phone with XXXX XXXX who works in the office there. Our final move out bill was {$480.00} which was given to us on XX/XX/XXXX. No other fees due to landlord tenant rules in Hawaii where they failed to uphold their end of the lease. I have police reports and other emails. On our credit report it is being reported that we owe {$5500.00} by National Credit Systems. XX/XX/XXXX I sent a email and letter to both XXXX XXXX XXXX and the collections agency and none responded. Myself and my XXXX other family members on the lease have disputed this on our credit reports and no success. XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX tried to set up at mediation before i take them to court and now XXXX XXXX XXXX Management is saying they have no record of me at all. I have a letter from the mediation center.
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| 06/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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National Credit Systems XXXX XXXX XXXX XXXX, GA XXXX I called National Credit Systems and they do not even own the fraudulent debt but yet they are reporting it as mine on all three credit bureau XXXX
National Credit Systems made no attempt to validate the debt as mine and sent me to another company.
The documents that, this other company, sent me did not have my signature on them and they were not complete, as they were missing pages, nor did the provide me any type of identification proving it was mine.
I demand that this National Credit Systems remove this debt for ALL credit agencies and National Credit Systems has until XXXX XX/XX/2022 to get it done or I shall bill them {$1000.00} per day until this fraudulent debt is removed. Additionally, National Credit Systems or any of it subsidiaries shall NEVER report to any credit report agency ever!!
National Credit Systems can't validate that this debt is mine. National Credit Systems can not even prove that they own the debt and National Credit Systems inappropriately place it on my credit report without the legal right to do so. and it MUST be removed!!
Thank you, XXXX XXXX
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| 07/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed XXXX disputes with XXXX and did n't receive any verification to prove debt was mines. I had an apartment with XXXX in and had a XXXX incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being XXXX and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the lease but i was still entitled to pay XXXX 2014 rent which i paid. I tried calling collection agency and spoke with XXXX XXXX who advised me the incident had nothing to do with him he just collects the money. I faxed copy of my bank statement and fair credit report act to XXXX and they advised they do n't verify if debt is actually yours with written documentation they just call. i spoke with supervisor from XXXX who didnt call me back. This has been a disaster i am a single dad and this is hindering from getting an apartment. Please Help!!!!!
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| 06/12/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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I spoke with National Credit Systems on XXXX XXXX , XXXX a t XXXX XXXX ( MST ) regarding a removal of an account that has been paid in full several years ago. The account representative that I spoke with on a recorded line agreed to electronically send the removal to all XXXX CRAs on XXXX XXXX , XXXX . On XXXX XXXX , XXXX I called all XXXX CRAs and none of them had received an electronic communication. On XXXX XXXX , XXXX at XXXX ( MST ) I called National Credit Systems a gain and spoke with my account representative 's supervisor. Again, on a recorded line, they agreed to send an electronic communication to all XXXX CRAs to remove the account from my report. On XXXX XXXX , XXXX at XXXX ( MST ), I called XXXX and was able to have the agent call National Credit Systems and get a verbal confirmation of removal from them. This has since been removed from my XXXX report but not XXXX or XXXX I would National Credit S ystems to either respond to the disputes that I have placed with the XXXX CRAs or to actually do what they have promised and send the removals over.
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| 05/17/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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I received a letter from the National Credit System XXXX / XXXX / XXXX in reference to a debt from a apt . c omplex called XXXX XXXX XXXX . that I use to live in. In XXXX XXXX or so I filed a dispute in reference to I think XXXX and some change that I wrote about on my credit report for which I did n't hear anything else about it so I thought this issue was over I had to put a deposit down between XXXX or XXXX and they kept it which was enough to cover the normal wear and tear of a apartment that I lived in for almost 3yrs and I took pictures of the way I left the apartment and I believe they are over charge to get more money and for National Credit to send a letter stating that they would put liens on my property, garnishes wage and take me to court to get more from me and it was in my best interest to contact them. I felt their letter of intent was rude and illegal and I am not sure how companies get away with this behavior but they need be shut down by the federal government and the money they are claiming I owe I do not and it was stated in my explanation on my dispute that I did with my credit report.
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| 07/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
|
I have recently been working on repairing my credit and have a collection account on my credit report from National Credit Systems. The account was placed in collections with them on XX/XX/XXXX via XXXX XXXX XXXX. The amount of the alleged debt is {$1400.00} While I do n't agree with the amount, I do know that I left owing a low balance. I had sent a certified letter to have this debt verified and validated and it was received by all three major credit bureaus between XX/XX/XXXX and XX/XX/XXXX but never received validation of the debt. I sent a settlement offer letter via certified mail and it was received by XXXX XXXX on XX/XX/XXXX. As of today, I have not received a response. This derogatory mark is being reported to all three major credit bureaus and is hurting my credit score and is preventing me from securing an apartment for my children and myself. I am asking that this be researched and that they be removed from my credit report, do not contact me in regards to the debt, and that debt be considered as not owed by either former, current, of future parties as all of my attempts to resolve this issue have not been successful.
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| 08/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I requested that National Credit Systems , Inc validate a debt that they previously tried to collect on XX/XX/2021.
I received a notice from National Credit Systems dated XX/XX/2021 stating that they did not have enough information to validate my claim.
I asked for : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature -Proof that the Statue of Limitations has not expired on this account -Your license numbers and Registered Agent or Agent of Service -Proof that you are licensed to collect in my state They sent me none of this information which means they have failed to validate a debt. None of the documents they sent have my signature. I will upload a copy of the forms they sent me.
Further more the signature on one of the documents seems to be forged as the signature date does not match the date of the original creditor dated signature. That means that National Credit Systems , Inc is
also furnishing certain deceptive forms, which is against the law according to Fair Debt Collection Practices Act 15 USC 1692k Sec 812 ( a ).
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| 09/24/2019 |
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
- Problem with personal statement of dispute
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Web |
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NATIONAL CREDIT SYSTEM,XXXX XXXX XXXX XXXX BLV, XXXX, GA XXXX, ( XXXX ) XXXX I lived at an apartment which this company was the lease holder, when my lease was up I never renewed it and I had no damage to the apartment what so ever. I always paid on time and I felt I had a pretty good relationship with them very friendly and nice office lady and it was ok despite the building was a mess around the outside elevator never worked the whole time I lived there and I lived on the XXXX floor, loud people and building wasnt always secure and when needed the handy man to look at stuff took forever, besides that I had no problems till I left. A year plus later I see my credit report saying I had a bill from them, I contacted them no answer called the collectors and they was rude XXXX and pretty much blame me saying Im the one owned when they didnt even know my side or anything. This company is terrible and the collectors, the reviews for the company online is below and I see why and I refuse to be held reliable to something I didnt do please have them remove this of my report its been on here long enough and its not my fault thank you.
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| 02/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Hi my name is XXXX XXXX I lived in an apartment with XXXX XXXX at XXXX XXXX XXXX XXXX XXXX we made reports of mold out break in our apartment. They did not seem to fix the problem we also had a leak in our floor so we had mold all over there was a leak in the living room and we complained so they fix it. They took theyre time to fix things that were broken. We had bug infestation and we were getting sick from mold we tried to fix the problem our self so we gave 30 day notice we were leaving. We left XX/XX/2017 I believe and we relocated i checked my credit and I have a debt collection I was not aware of and I did not recognize any written notice about a collection or a phone call or any thing I called to ask what this was about and she said XXXX XXXX I was not notified that I can dispute this collection. They claim there was damage to my apartment and the apartment was fine when we left besides the mold Every where that they decided to do nothing about I even reported this problem to the health department and nothing was done about it. And as far as cleaning fee I did not get any receipts and I did not get my deposit refunded.
|
| 03/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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About a month ago some of my family members started receiving threatening phone calls from National Credit Systems. The calls have been recorded and saved. It was not until the 4th voicemail that the caller identified himself as a debt collector. The saved voicemails can easily prove this both with the text of the voice message along with the time and date stamp. National Credit Systems has already broken federal law by not identifying themselves as a debt collector.
National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with.
I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint.
|
| 08/23/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Someone stole my identity and used it to rent a apartment at the XXXX at the XXXX in XXXX Kentucky between XX/XX/XXXX and XX/XX/XXXX. I found out recently that XXXX XXXX XXXX had placed a collection on my credit report for all three credit bureaus in the amount of {$4200.00} for a rental property that Ive never resided at. The address in question is : XXXX XXXX XXXX XXXX XXXX XXXX, Kentucky XXXX.
However I have never lived at this address and Ive made several attempts to have a letter of validation mailed to me showing where I had signed a lease for XXXX XXXXXXXX XXXX XXXX XXXX ever. XXXX XXXX XXXX refuses to validate the account belongs to me. Ive also submitted letters to all three XXXX, XXXX and XXXX asking them to validate the account belonged to me. XXXX deleted the account. However XXXX and XXXX stated that since XXXX at XXXX XXXX XXXX stated it was my account with No documentation that it was verified based on his word. Both XXXX and XXXX have also failed to send me a letter validating the account belongs to me. I would like this account removed immediately due to no one sending me a letter of validation 60 days later.
|
| 08/10/2023 |
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
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Web |
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I disputed a collection with XXXX, XXXX, XXXX, and National Credit Systems over an alleged debt. I disputed the alleged debt on XX/XX/2023 and as of today XX/XX/2023 I haven't heard from the credit bureaus or National Credit Systems. I have sent 2 round of dispute letters and have been purposely ignored.
I requested the following validation of the debt : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and National Credit Systems Inc with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.
5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.
6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
|
| 09/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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I terminated my lease ( in compliance with Texas law ) with the XXXX XXXX/XXXX XXXX and moved out in XX/XX/2017. They immediately sued me for roughly one month 's rent ( {$2300.00} ), the case was dismissed by the County Court at the hearing on XX/XX/2017 after I agreed not to sue them for damages. A month later National Credit Systems contacted me claiming I owed roughly {$7600.00} to the apartment complex. I provided them with a clear explanation and certified copies of the Court dismissal order, and even gave them a copy of my new lease showing I had moved out in XX/XX/XXXX. They ignored the information and apparently " bought '' the debt from the apartment company, after which they contacted me repeatedly demanding that I agree to pay at least some of the alleged debt or they would report it negatively to the three credit bureaus - which they did despite knowing the XXXX 's claim that I owed them money had been dismissed by a Court of Law. They continue to report this fraudulent item and I am being harmed. I provided all this information to all 3 credit bureaus but they refuse to remove the fraudulent item from my file.
|
| 12/16/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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On or about XX/XX/2018 approximately XXXX hours. I received a phone call from XXXX XXXX of NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA. The agent XXXX XXXX stated I owed XXXX XXXX {$3500.00}. I explained to the agent the debt is fictitious, and to cease and desist all communication with the aggrieved party XXXX XXXX. I have no contract nor engaged in commerce with NATIONAL CREDIT SYSTEMS or any subsidiary. The agent taunted, became belligerent and before hanging up abruptly! The agent ( XXXX XXXX ) stated " That's why it's going to be placed o your credit report ''. On XX/XX/2018, I forwarded a CEASE AN DESIST letter to : NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, XXXX. to the attention XXXX XXXX. On XX/XX/2018, I received notification from XXXX XXXX and XXXX that NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX, GA indicates I owe {$3500.00} in debt. This shows the malicious and criminal practice of this company. I have no contract and never engaged in commerce with the criminal organization. The company has committed a crime against the XXXX XXXX XXXX along with using subversive tactics to prevent any dispute of this fictitious claim.
|
| 07/14/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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|
Web |
|
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I originally disputed this complaint but it was marked as a duplicate- THIS IS NOT A DUPLICATE - This is one of several accounts that this company is financially harming me on my account.
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX , XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report. 1. Date Opened is listed different on multiple credit bureaus. 2. This account XXXX Has FCRA Violation. 3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month. 3 different dates on each credit bureau. - Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate. 5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX, and XXXX correct and remove this inaccurate info from my credit report.
|
| 08/27/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Collector : National Credit Systems National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX Phone : XXXX EMail : XXXX Amount Owed : XXXX I have disputed this account on several occasions with the debt collector and the credit bureaus. XXXX has removed the account from my credit report based on the facts of my dispute but XXXX and XXXX has stated the account is verified as accurate even with the proof I have provided. When the debt collector National Credit Systems was asked to provide me with validation that the debt is mine and that i owe the debt. I was provided with a copy of a list of charges that was addressed to another individual that is not me nor am i associated with this person in any way. The reporting information is different from the supposed validation documentation as well such as amount owed and date of delinquency. This account is ruining my credit and is preventing me from finding a home for my family. I spoke with the company today and they stated that the account is in fact verified as mine and i owe the debt even with them not having any proof that I even lived at this address.
|
| 06/10/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am writing to you regarding the security deposit in the amount of {$2900.00} that was paid for the lease, signed on XX/XX/2019. Several months after terminating my lease, I received a collection claim from National Credit System. National Credit system has not provided me with an itemized breakdown of the outstanding claim. This was surprising, given that that a representative from the management office at my prior residency recently indicated to me that a claim was filed and paid with an insurance provider " XXXX. '' Furthermore, this representative indicated to me that there should not have been any effect on my credit as no collection were filed against my account. The debt collector has refused to remove this item despite my submission of numerous documents objecting to the balance. The outstanding balance on the account is ~ {$1300.00} and per my recollection, a {$3000.00} deposit was paid, which should have offset my outstanding balance. Unfortunately, the management office of my prior landlord has misplaced my security deposit. XXXX has, instead, sent me a copy of a surety bond that appears to not be in my name.
|
| 09/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I filed a complaint on XX/XX/XXXX against National Credit Systems for trying to collect on a debt that I do not owe. The collection company is alleging that I owe a debt that they are collecting on. I have disputed it several times but they keep verifying it. I requested debt validation and they sent me a statement. A statement is not debt validation. I requested a signed contract or legal document with my signature stating that I agree to pay their company.
When they responded to my previous dispute, they stated that the property manager emailed them and said that I was an applicant and that I placed a stop payment on the checks that I allegedly paid with. I believe that information is false. Their response also " respectfully requests the XXXX XXXX sends them additional information so that they can do further research ''. I know no one by that name and believe that their response was a blanket response to their complaints.
On XX/XX/XXXX at XXXX XXXX, I went to the said property and spoke with XXXX. She searched their system and could not find a XXXX XXXX as an applicant or a resident. Her number is XXXX and fax # XXXX.
|
| 07/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any 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 you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 02/11/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I moved out of mallard cove apartments in XXXX va in XXXX of 2019 due to a protective order and domestic XXXX. I was advised that I did not owe any money. I never received anything in the mail from the apartment complex nor collections. I recently pulled my credit report and saw a collection company, national credit systems showing {$810.00} due for mallard cove. I contacted them and they claimed it was for rent. However, I never received any notification from them nor mallard cove. I contacted mallard cove and was advised they did not have records from 2019 as they have new management. I contacted the old management company and was advised they sent all their records to the new company managing the property. When I contacted the property again, I was advised they show {$810.00} but my rent was actually {$820.00}. They stated a late fee of XXXX wouldve been attached and I should have a {$250.00} credit for my deposit towards the amount. However, the fees do not add up to {$810.00}. Nor do I have an itemized bill showing anything. There has been absolutely no contact from the collection company nor the apartment complex.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On XX/XX/2017 National Credit Syst appeared on my credit report. They are attempting to collect a debt that I owed with XXXX XXXX XXXX, which I never owed anything. The amount is {$1500.00} and this is false as I never was told I owed anything. I have tried to contact XXXX XXXX XXXX a dozen times to gather information about this issue and I can not get a hold of management at all. I left messages to try to resolve this issue and they don't respond. After a month or so goes by this company National Credit Systems appears automatically on my credit report with no options to pay before it hits my credit report. I believe this is wrong of both companies to fail me and my spouse on the fees that I owe and don't understand. There were no kind of explanation to why this is owed. We completed the lease agreement and were free of any extra charges as the company could have possibly made up fees or hidden fees that we were not made aware of. This is hurting my credit and I need to be able to find a place to lease and or obtain a mortgage, but with this Company holding my credit down it has been hard to establish a home of my own.
|
| 07/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received an itemized list of charges from National Credit Systems on XXXX XXXX, 2017 that XXXX sent to them. I have great concern about a balance they are reporting that I owe. Upon adding the amounts listed for each item. {$570.00} Balance at home {$60.00} Carpet Shampoo {$50.00} Clean Appliances {$50.00} Didnt return Apartment Key {$75.00} Didnt return Gate Remote {$25.00} Didnt return mailbox Key {$10.00} Didnt return parking tag {$50.00} Didnt return walk thru gate key. {$740.00} Lee Termination fee I came to a grand total of {$1000.00} however they are reporting that I owe {$3300.00} for these items. I have searched for an explanation from many sources to no avail. Im afraid that XXXX and National Credit Systems is trying to collect a balance I do not owe and, as a result, are reporting this erroneous balance to all XXXX major credit bureaus which has caused me to suffer financially. I have asked the orginal creditor multiple times for someone to please provide an explanation of these charges and have yet to get an answer.
i have reached out to the orginal creditor on several occassions verbally and via email.
|
| 10/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
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I was contacted by telephone by XXXX XXXX, phone number XXXX on Thursday, XXXX XXXX regarding an apartment lease for my son we were trying to pay off with leasing company. My wife contacted XXXX XXXX on the XXXX who then told her that a payment arrangement needed to be made before Tuesday, XXXX XXXX or the account would be reported to the credit bureau. She informed XXXX XXXX that we had not received any notice of the account being turned over to collections as we were still sending payments to the corporate office of the apartment housing. XXXX XXXX told her that a letter was mailed out on XXXX XXXX and still demanded a payment arrangement be set up prior to the XXXX. My wife explained she was not comfortable giving out our checking information over the phone since we did not have proper notice. We finally received a letter in the mail from XXXX XXXX ( National Credit Systems , Inc. ) dated XXXX XXXX, 2016. My wife explained to XXXX XXXX that she would be disputing the amount claimed to be owed as she has repeatedly requested an accounts ledger from the apartment corporate office as our balance did not match theirs.
|
| 05/30/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Im not pleased with the continuous fabrication from this company. the compant stated that there was a set out. That is not true my grandmother and I was given the option to stay because the office manager XXXX at the time spoke to the represenatives and agreed to the payment. We moved because we no longer wantd to stay there. My grandmother and I consulted in the the apartment office on XX/XX/2021 @ XXXXXXXX XXXX. I am entitled to have a accurate credit report, I need the original documentation of a set out. Legally I am entitled to see evidence per the FDCPA of an infraction on my credit profile. This account has stressed us to the max. Per section XXXX of the FDCPA debt collector may not se any false, deceptive, or misleading representation or means in collection of any debt. i was mailed copied documentation and im entilted to the original documentation.I have proven receipts ive sent in the prior claim. thisis unfair and unjust. the collection company made a astatement about when the payment was sent but it waas sent at the time he property manager XXXX agreed to take the rental assistance from the XXXX program.
|
| 04/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a XXXX validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
|
| 03/24/2021 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as these were accounts that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the accounts continue to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me nor has any update been made on my credit report to reflect that the accounts are disputed and therefore a 2nd validation letter was sent out on this day. As of XX/XX/XXXX I have not received the requested validation in a timely manner according to the Fair Debt Collections Practices Act and I do not believe the accounts belong to me nor do I believe that the creditor has authorization to access the accounts nor authorization to attempt to collect on the accounts and the accounts continue to negatively affect me. Please strike and remove these accounts from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
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| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Amount XXXX From National Credit Systems account number XXXX, collection representative is XXXX XXXX, office located in XXXX, XXXX My husband and I lived at XXXX XXXX XXXX XXXX XXXX XXXX , because of many people experiencing issues and added on expenses from rental properties, we decided to take many pictures and videos of the apartment when moving out. This apartment was spotless, the collection agency and Mr XXXX will not allow me to send the pictures of the apartment, nor will he call me back. he will not supply email information. I left messages on his voicemail and I am quite sure they will use the Coronavirus as an excuse but I tried previously and again, nothing. I want this amount removed and this also removed from my credit report. I need the last payment that I made and will attempt to get that from my bank, the property stated we only paid until XX/XX/XXXX but when we moved from XXXX back to XXXX we changed our banking information. So if we owe anything, it's XXXX or so. There is no doubt from my videos this is the apartment we lived in because I also took videos from different angles and from the window
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| 04/24/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
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Web |
Servicemember |
|
My lease was up XX/XX/XXXX, paid rent & additional charges to include sewage, water & garbage. I was told that everything on the account was paid in full & no special instructions were given to move out. I was told to clean & leave the apartment as it given to me. I was charged for a tv XXXX satellite not being removed, which was not explained to me as a requirement to do before I moved. Also, the blinds I was charged for were chipped when I moved into the apartment 4 years ago. The damages that were stated are normal wear & tear and also petty complaints. XX/XX/XXXX I receive a collection notice from national credit systems that XXXX XXXX XXXX XXXX XXXXXXXX XXXX states I owe a bill. My security deposit was already taken due to the complex stating somethings were damaged & not clean ( after I moved to another state ) No one did a walk thru with me to notate things proposed issues. After taking the security deposit now I have a bill from a credit agency saying I still owe for outstanding balance on my account, which is not true. Also there was no notification of debt to the forwarding address, which is out of state.
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| 09/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2022 XXXX XXXX paid me to move out of my apartment and keep my mouth shut about the discrimination/retaliation I had faced from them for the past 5 years. At the beginnin of XXXX I was notified I owed a debt to XXXX despite them payin me to move out, I contacted the debt collector and asked them to validate the debt and on a few weeks later I got a statement that said I nothing was owed for rent, late charges, legal fees, nsf, utility, lease termination, insufficient fee, legal fees, dispossession fee, warrant fee, eviction fee, cleanin charges, damages, key charge, expcept for other non tenant rent was what was claimed to be owed not really a validation or explainin where this debt came from especially when XXXX paid me to move and has yet to pay my deposit of {$500.00} back? I sent a letter back on XX/XX/2022 to National Credit Systems requestin a validation of this fraudulent debt that XXXX seems to have just made up, and no response has been given. It has been reported on my credit report even though their hasn't been any judgements or court orders against sayin I owe XXXX a dime!
XXXX XXXX XXXXXXXX
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| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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I have requested that they provide me with documentation that this account belongs to me. Also I have not received proper notification prior to it going to collections. I provided my ID, Social Security, start date of current lease, attempts to login their system which I am in return rejected, and a dispute letter. They are attempting to utilize the information that I provided them with and change account information that I have no knowledge of and change the start of collections over with out notifications. I have disputed this with the credit burial and the debt collector. The credit burial have sent me my dispute results and it reads address in question is deleted and found not mineand the consumers concluded that the information they have is accurate. Impossible I cant login to their system with my personal information. The debt collector have received all required information from me and have not provided any information that this account belongs to me they have updated this account utilizing the information given by me to disclose Im not responsible and held me accountable which is unlawful and unacceptable.
|
| 12/06/2017 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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This agency is currently reporting a debit on my credit report without proper licensing and documentation. I have written multiple letters directly to XXXX XXXX staying that I was unaware of the debt. I was not properly notified before the accounts were sent to collections. It also states in the letter that the information reported is incorrect please validate the debt and stop reporting until the debt is validated by myself/ please delete due to inaccuracy of reporting. Instead of deleting the accounts from my credit report due to incorrect reporting information and no proper notification of debt. They decided to update the incorrect information that was being disputed at the time.
The state of Texas also requires a license or surety bond for debt collection purposes. National Credit Sysyems is currently collecting on credit report in the amounts of {$140.00} and {$500.00}. The address reported on my credit report is XXXX. XXXX XXXX XXXX, Ga. This company and address is currently not registered to collect from this address in the state of Texas. I would like these accounts to be removed from my credit report.
|
| 10/28/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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I received approval for Arkansas rental assistance on this full balance of {$2800.00} on XX/XX/XXXX. This check was mailed directly to a landlord ( XXXX ) who quit shortly after/left this company on bad terms!!
On XX/XX/XXXX The next landlord accused me of stealing an oven ( which was a false accusation ) and then magically my rental account all of a sudden ended up in collections THE SAME MONTH after arguing with the second property XXXX about property she falsely accused me of stealing!
WHY did XXXX months pass before I was sent to collections?? IF this was a proper collection-the landland originally handling my eviction process would have turned me in.
This is company retaliation and illegal to open a collection account against me when I have confirmation that this company did in fact receive a check for the full amount owed! I have attached PROOF with my relief confirmation letter!
I also attached the proof of this landlord falsely accusing me of theft of property via email and threatening to have me arrested!! She obviously opened a collection account the same month as our negative email exchange!
|
| 09/01/2018 |
No |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
The XXXX at XXXX XXXX has committed acts of fraud and extortion against me. The XXXX at XXXX XXXX informed me that a payment of {$1800.00} was due on XX/XX/2017. When I refused to pay the XXXX at XXXX XXXX {$1800.00}, the XXXX at XXXX XXXX received permission from a judge to evict me. I was evicted by the constable on XX/XX/2017. I am not sure if the constable or the judge knew that I was being charged {$1800.00} when I agreed to pay the XXXX at XXXX XXXX {$940.00} a month. After I was evicted, National Credit Systems put a debt of {$4300.00} on my credit report. The XXXX at XXXX XXXX kept my {$400.00} deposit. I am now in debt {$5000.00} because I refused to pay the XXXX at XXXX XXXX {$1800.00} for the month of XX/XX/2017. The XXXX at XXXX XXXX also charged me fees because the apartment was in bad shape. I would like to see pictures to substantiate this claim.
I attempted to pay National Credit Systems {$2100.00} to resolve this debt. National Credit systems refused to accept a payment of {$300.00} over the phone after I informed them that the last {$300.00} payment would not be paid form my savings account.
|
| 09/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Upon pulling my credit reports in XX/XX/2023, I noticed that there was a collection account listed by the name of National Credit System in the amount of {$1800.00}. I sent a debt validation letter pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA via certified mail per this account does not belong to me. The tracking number for this letter is XXXX. The letter was picked up by an individual on XX/XX/2023. It has been over 60 days I have not received a response regarding my debt validation request. A copy of this debt validation request was also sent to the Federal Trade Commission. Since they have not replied to my request and I can not get anyone at their office to give me an answer, I demand that this erroneous account is deleted from my credit report per it does not belong to me. As stated in my letter, fail to respond to this validation request within 30 days from the date of their receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately per the FCRA. As of today, this has not been completed.
|
| 10/13/2022 |
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
- Problem with personal statement of dispute
|
|
Web |
|
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To whom it may concern, My daughter had to have XXXX XXXX XXXXXX/XX/XXXX at the time we lived at XXXX XXXXXXXX XXXX I was " Co Applicant ''. I knew at the time we moved in XX/XX/2017 that we would be moving or relocating to lower level or moving entirely and only be there no more then 6 month 's also knowing the Applicant was staying in the apartment anyway after I left.
My daughter could not XXXX XXXX XXXX XXXX XXXX XXXX the office knew this at the time of move in this was coming.
XXXX XXXX is a friend of mine and he knows my daughter went through this as well.
I have sent certified letter to all 3 Bureaus with proof and have made several attempts to get this off my credit report and disputes as well, with this still not resolved.
I have sent as proof and email giving my 30 day notice, proof of my daughters XXXX, time and date etc.
I need this off my report, my daughter is now XXXX will be going to college and I am a single mother hoping to send her to college by knowing I will have to take a loan out for that expense.
please help me resolve this or at least direction.
Best regards, XXXX XXXX XXXX
|
| 12/17/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
NATIONAL CREDIT SYSTEMS I was being garnished XX/XX/XXXX. owed money to a property Management in XX/XX/XXXX. This was paid off by XX/XX/XXXX and the garnishment stopped. I was applying for an apartment and on my credit it said i still owed XXXX. I called to deal with them and to set up payments because i had no idea i owed them this long. they were very rude and i would not set anything up. the lady said to call back when i had more money and hung up. Looking more into this i found that others like myself were being charged for amounts that had been paid off. I paid the amounts and the garnishment stopped. i never got anything in writing stating that i still have fees. none of my paperwork says i would still owe money. i have a paper that shows my last payments garnished. they were able to contact me through my employer. if i still owed money why was n't it also garnished? i paid my fees, and now this issue is now making it difficult to find a place to live. this is causing hardship, this will make it difficult to get to work since i now have to move in with a relative, making my commute long and difficult.
|
| 04/26/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
Account is not reporting valid and accurate information if an account is closed how could it be past due this is negative reporting to the credit bureau and negative affect my scores this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate I have never signed a one month contract with National Credit system this information is also false and violates my rights for improper use of my credit report this action violates FCRA 15 U.S.C Sec 1681i ( a ) and I demand the account to be deleted from credit report you can not report a past due balance that you have charged off this information is incomplete and inaccurate 15 USC 1681 Section 602 States I have the right to privacy.
15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.
XXXX
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I applied for an apartment around XX/XX/2022 and was declined admission. I was told by the lady working the sales lady that my deposit would be applied to move in if I was approved. However, she said that if I was denied, my deposit would be refunded since I already deposited money previously since I was not able to move in, because the apartments were under construction. I was not approved to move in and my deposit was not refunded and I had to dispute the charge with my bank. They refunded me the money.
Approximately XX/XX/2022 I started to receive notices from the mentioned collection agency that I was indebted to them and owed XXXX XXXX Apts {$350.00}. I have never signed a legal contract or have ever stayed at this apartment complex at the above residents. This collection agency is now placing false derogatory negative reporting on my credit report. I am disgusted this is how they treat a wounded XXXX XXXX veteran would try to find refuge after being flooded out by both Hurricanes Ian and Nichole. I was trying to use my FEMA money to be trying to find shelter, and this place was trying to keep it.
|
| 09/18/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Notice to principal in Notice To Agent and Notice to Agent is Notice to Principal Account Name : National Credit Systems Account XXXX Notice to Dispute Debt I dispute and debt your company claim to have on me.
You must stop all collection activities. My demands are : For you provide me with the audit trail : Account File Ledger All accounting documents The transactional history Please be sure to provide everything demanded in this letter. IF you are unable to provide the demanded information you must delete this account immediately.
If your fail to communicate to the consumer reporting agencies that this debt is in DISPUTE, that would be a violation Pursuant 15 usc 1692e8 False or misleading.
This law is very clear as to the Civil liability and the remedy available to me, according to 15 usc 1692k. Furthermore, failure to honor this requested DEMAND will lead to fully intend on pursing litigation in this matter suing your company for actual damages sustained.
Please be aware that freezing this account is not an update to my credit report.
Thank you for giving this letter your prompted attention.
|
| 02/09/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
I have a collection account on my credit report that is full of inaccurate information. I have disputed and even attempted to resolve this collection account with the collection agency, but they were unwilling to settle. The inaccurate information I spoke of earlier is that : 1. this account is not mine. I was listed as a resident on this account. 2. The amount of the account is wrong. The amount on my credit report is twice the amount of the original debt 3. The account is past the statue of limitations so no legal action on this account can occur. the original reporting date is in 2011. As stated earlier I have disputed this account several times, and each time returned as valid debt. how can that be a valid debt with all of those inaccuracies. I also attempted to resolve the debt with the collection agency. This account is listed as an interest bearing account. Interest bearing account on a 6 year old zombie debt that is well past its statue of limitations. I have made every attempt to resolve this debt with no avail, any assistance in this matter will be greatly appreciated.
Thank you in advance.
|
| 10/13/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am the author of this complaint and I have attached a copy of my driver 's license, social security card, and an identity theft report to this complaint. I contacted NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) about an account that they are reporting to my credit report. They are reporting the account fraudulently and without my authorization and consent. They claim that I owe them balances on debt accounts but they have not provided VALIDATION that a contract exists between myself and NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ). If no contractual obligation exists between us then how could I legitimately owe them for any debt?
If NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) continues furnishing, reporting, and making attempts to collect debt that does not belong to me then I will have to include them in an arbitration claim for violation of the FCRA, FDCPA, and for aggravated identity theft. Please see NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) 's info in identity theft report attached
|
| 12/13/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XX/XX/2018 - We received a collections letter from National Credit Systems claiming we owe a debt ( see " XX/XX/2018 - Letter from National Credit Systems.pdf '' ).
XX/XX/2018 - We responded with a letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ).
XX/XX/2018 - We received no reply from National Credit Systems and followed up with another letter requesting validation and details of the supposed debt ( see " XX/XX/2018 - Letter to National Credit Systems.pdf '' ). We sent this letter via USPS Certified Mail ( see " Certified Mail Receipts.pdf '' ).
XX/XX/2018 - We received no reply from National Credit Systems and observe that a derogatory debt with National Credit Systems has been listed on our credit reports with the major credit bureaus. We filed a complaint with the Consumer Financial Protection Bureau ( CFPB ) and notified the credit agencies via certified mail of the unvalidated and false information listed on our credit reports.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have been fighting a collection for an apartment that I do not owe on. National Credit Systems is trying to collect on a debt from XXXX XXXX Apartments. I am a police officer and worked for the apartment complex as there private security guard and was given a substantial reduction in rent in exchange for pay. They were bought by another rental agency. When my lease was up I was told that so was the former arrangements and I could either sign a new lease at the inflated rate or move out. I chose to move out, turned in my keys and completed a walk through. I was never contacted by the complex again. Then in XX/XX/XXXX National Credit System started reporting on my credit report. I never receive mail or phone call for this collection and only know of it because I subscribe to a credit monitoring site that shows this collection name along with the apartment, XXXX ( Original Creditor : XXXX XXXX AT XXXX XXXX XXXX ). I have tried to reach out to the apartment that has now changed hands 4times and has no record of me, also to the collection agency that refuse to respond or provide any proof of collectoin.
|
| 04/04/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I was a tenenent at XXXX XXXX. They rented me a new apartment to me at another location. I was supposed to move in to unit XXXX at my new building but it was not ready so I was asked to take unit XXXX.
For months after i had been emailing management at XXXX XXXX about my security deposit and received no correspondence with my security deposit for months.
Landlord tenant law in CA provides 21 days for the landlord to provide final reconciliation or return deposit. I received nothing for months.
I moved out XX/XX/XXXX and received a bill sometime in XXXX or XXXX of XXXX and i was informed they had beej sending mail to the unit i was supposed to take and they never updated their system. I made many attempts to contact management but they refuse to return my calls.
Then I received a notification that a collection agency was niw reporting as debt on my credit report. They reported the address inaccurately and i was not given anytime to understand anything about this so called debt because management had an unwillingness to communicate and they provided an incorrect address to the debt collector.
|
| 04/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I was sued on XX/XX/2019 by the landlord I used to live at with my daughters after I complaint about mold in the property and having my little one sick with XXXX issues constantly and having to trash the mattress. The manager told me I was lying and I still have proof of it. My paychecks were cut due to the situation I was experiencing since XXXX and I did not payed the rent in XXXX. They sued me asking me for the money and to leave the property. When I arrived to the trial and was my turn I started explaining the judge and was going to show all the pictures and the doctors tests and everything, the judge cut me off stating the landlord did not wanted money they just wanted me to leave. I had already moved on XX/XX/XXXX and the trial was on XXXX so the case was dismissed. I have a letter from the Magistrate Court that I provided to XXXX and XXXX which firstly reported it. I started the dispute with XXXX and they close it a day after requesting documents to prove my identity I have proof of everything. This information has to be removed immediately from my credit. It is not right and is abusive.
|
| 03/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I visited XXXX XXXX apartment complex ( previously the Foundation ) in XXXX, CA at XXXX XXXX XXXX on XX/XX/XXXX. I was fooled into signing a leasing agreement before I got notified that I can't move into the apartment because I didnt meet financial requirements by the representative with the first name XXXX, but the real reason why they denied me to move into the apartment was my gender because most of the people in the apartments are male. When XXXX explained to me ( over the phone ) the reason why I can't move into the apartments she told me that the people on the apartment complex are from a different social class ( higher ) so the company thought I wouldn't fit with the community, and for that reason they denied me to get the keys of the apartment and denied to move in.
I have been charged each month for the rent and have received a letter XX/XX/XXXX that the apartments have forwarded an outstanding balance to a collection agency, thing that they never let me move into the apartment and they decided to cancel my lease agreement. I have discovered a fellow civilian who shares my same situation.
|
| 10/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I contacted National Credit Systems after a rude woman by the name of Ms.XXXX called me. I sent back the form I had to fill out concerning the fraudulently debt so National Credit Systems could do their investigation regarding the debt. Also, I took it one step farther and contacted XXXX XXXX XXXX and spoke with XXXX the assistant manager. She informed me that once I dispute XXXX XXXX should receive the dispute and she would have them {$0.00} the charge out for identity thief because they have no paper application, drivers license and none of my personal contact information. National Credit Systems has failed to contact XXXX XXXX XXXX. When you dispute a collection charge the collection agency has to follow up with the original creditor and National Credit Systems has fail to due so. Please investigate National Credit Systems and have them send the CFPB proof that National Credit Systems has disputed tis with XXXX XXXX XXXX. Ms. XXXX who works at National Credit Systems is very rude and unprofessional. Again if I have to pay this debt I will take National Credit Systems and XXXX XXXX XXXX to court.
|
| 08/15/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Me and my wife were living at XXXX XXXX XXXX for almost a year starting around XX/XX/2015. In that time we never missed a payment nor was late on a payment. By XX/XX/XXXX we had received no notice of a change in rent but I did know the lease was coming up soon so I went to talk to leasing office about resigning the lease for another year. I was then told by leasing office our rent was going up over XXXX dollars due starting next month with no type of notice at all. The rent was too much for us so I put in a written notice saying we will have to move out next month. After we moved I was called by apartment saying we owed money which wasn't true because we paid that last month we were there. We even went back to the apartment and tried to explain but they said they would not remove it and the balance had to be paid. Months passed and i see a debt collection from the apartment for XXXX dollars. When I tried to dispute it with XXXX they did not remove it. In conclusion we were not given notice of our Rent changing so drastically and a written notice was given so we should not have had a debt at all.
|
| 06/11/2023 |
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
|
|
Web |
|
|
15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any 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 you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
|
| 02/26/2023 |
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
|
|
Web |
|
|
This credit bureau has violated 15 USC 1681i and 15 USC 1681e. Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. All I have been getting are frivolous, XXXX automated responses. No real investigation was conducted after my initial dispute.
The furnishers mentioned are in violation of 15 USC 1681s-2b ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate.
After my dispute of the accuracy of these accounts, the furnishers falsely verified the information to be true instead of deleting the accounts from my credit report. This is will non-compliance and I now have a claim under the FCRA with civil liability under 15 US Code 1681n
|
| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
|
| 04/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I have been a victim of identity theft for the past several months. Ever since I first noticed it I have been getting monthly credit reports so that way I can assure no new accounts are being reported to any of the credit agencies. In XX/XX/2020 I noticed this new account. I immediately notified the company by letter that I have been a victim of identity theft and provided identification as well as my Identity Theft report. I asked the company to stop reporting this fraudulent information and to investigate the account. I asked for proof of the steps they would be taking. After 30 days I did not receive any correspondence from the company. In XX/XX/2020 I got a new report and the information was still being reported. I again sent another letter to them notifying them that the account was opened fraudulently. Again I have not heard any correspondence. Since it has been 60 days since the first communication I'm asking for assistance. I have attached both packets that I sent to the company as proof, a copy of my ssn card, a copy of my driver 's license, and a copy of my current identity theft report.
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| 05/25/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that results from an alleged identity theft, not later than 4 business days after the date of receipt.
It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of t consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of this accounts listed IMMEDIATELY!
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| 09/21/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I received a called from this rude woman that work for XXXX ( National Credit System ). National Credit Systems is stating I have a balance of {$280.00} from XXXX XXXX XXXX. I have never lived at XXXX XXXX XXXX and I have never applied to XXXX XXXX XXXX. The date the application was run/processed is the date I was in the hospital ( XXXX XXXX, MN ) having XXXX. I did not get discharged from the XXXX XXXX until XX/XX/2018. So I would like to know how I was able to apply for an apartment when I was in the hospital. I never called, toured or even had any dealing with XXXX XXXX XXXXs. I asked XXXX ( National Credit Systems ) to send me e copy of the returned check, application with signature and drivers license. XXXX ( National Credit Systems ) has failed to provide me with that information. The XXXX account is # XXXX. Also, I never received any type of notification from this company. I will press charges on XXXX XXXX XXXX and XXXX for harassing me with false information. I would like for XXXX to be investigated. I have asked this company multiple times to send me all the information and they refused.
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| 03/06/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Contacted National Credit Systems and XXXX XXXX on several occasions, Spoke with XXXX and XXXX at NCS told me my debt was sent to a Law office of XXXX XXXX, and they had to handle it. Although they have continually reported this debt on my credit. I contacted XXXX XXXX they verified they had the deb.t Well I contacted the original creditor which the debt was reduced and told to pay National Credit Systems. NCS refused to take payment saying they no longer had. it. Spoke with XXXX XXXX, and paid XXXX XXXX because I wanted this to be over. To my knowledge it is illegal to continue to report a debt when you no longer have it. I am trying to rent again, and they will not accept the documentation/receipt because National Credit Systems reported and not XXXX XXXX. I have contacted them both and they keep giving me the runarounds. I have paid the debt and I want it removed immediately as it has harmed and was reported inaccurately. They need be held accountable for sharing information and not giving knowledge to the consumer until after. They need to follow the law and report the information correctly.
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| 05/17/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Date : XX/XX/2020 Amount : {$8600.00} 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any 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 you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY!
These accounts should not be furnished on my consumer report as they are in VIOLATION!!!
Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT.
As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
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| 07/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
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Over the course of the last 3 months, I have regularly called national credit systems in order to work with them on an account they have open in my name that is of questionable legal standing. There is current litigation pending against their client, and in spite of this, they still threatened to report the account as delinquent. Although i asked numerous times to get information about the credit reporting date and proposed settlements in writing, I was told by both agents and supervisors this is against their policy and they would move forward with reporting the account as delinquent whether or not the the dispute had been resolved. This seems like nothing more than harassment, especially since I told the agent multiple times that although I do not feel like the balance is legally owed, I would set up a payment plan to prevent reporting. I called on Monday, XXXX to set up a payment plan, and the associate was quite rude, and informed me that I was too late, it had already been reported, and there was nothing they could do. Called back on Tuesday and spoke with a supervisor who confirmed this.
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| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX XXXX I have received a copy of my credit report and I have found the following items listed below to be in error.
You are in Direct Violation of The Fair Credit Reporting Act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has all violated several of my rights.
15 U.S.C 1681 Section 602 A. Clearly states that I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states that a Comsumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1681 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637b of this title is mailed or delivered to the consumer not later than 21 days before payment due date.
Remove these late payments and update this account immediately as you are in direct violation of several laws under The Fair Credit Reporting Act.
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| 04/24/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My deceased father signed a lease agreement in XXXX of XXXX for the address XXXX XXXXXXXX XXXX XXXXXXXX Tx. his name is XXXX XXXX XXXX DOB is XX/XX/XXXX. he died in XXXX our names are very similar, only the middle name is different. I have a case # through the Police dpt. of XXXX XXXX & i have sealed documents from the state of Tx proving i did not sign this lease agreement. XXXX who the lease was signed with & national credit systems the collection agency both refuse to listen to me. XXXX XXXX the collection representative for NCS was very rude & told me i was responsible for my deceased fathers debts. My father was married & my mother has even tried calling them to tell them she would inherit the debt. but no help. they will not provide a copy of the lease because they say i cant prove im the signer of the lease but they have no problem coming after me for the debt. when my dad signed the lease in XX/XX/XXXX they ran his credit report, not mine. that can also prove the lease was NOT signed under my social. my credit report would be perfect if it wasnt for this collection & its not even me!
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| 06/28/2022 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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On XX/XX/2022 I noticed an unknown collection account being reported to the credit agencies. Immediately I took action and demanded the company in question to validate the alleged debt, cease communication directly and indirectly and cease all collection activity until the the alleged debt in question is validated and verified in accordance with federal law. I sent this notice via USPS certified mail ARTICLE # XXXX XXXX XXXX XXXX XXXX it was received on XX/XX/2022 by agent XXXX XXXX. National Credit Systems inc. has violated my Consumer rights as well as my rights to privacy. I Have no contractual obligation to this company and this company should not have my personal information. I did not give consent for this company to contact me or report any information negatively effecting my Credit Rating and destroying my reputation. National Credit Systems claims this account has been investigated and proven to be valid but has not provided any information on how it was lawfully investigated. This company knowingly continues to violate my rights despite my dispute and efforts to resolve the matter.
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| 08/29/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX NATIONAL CREDIT SYSTEMS INC. called and harassed me stating that I owed a debt, violating my consumer rights. I have never entered a consumer transaction with NATIONAL CREDIT SYSTEMS INC., and I have no idea how they have acquired my credit card ( ssc ), therefore has committed identity theft, by law. I have disputed this account over XXXX dozen times with all credit bureaus, once the validation of debt with my wet ink signature was requested. The bureaus noticed they had no substantial validation of proof. NATIONAL CREDIT SYSTEMS INC. sent a contract that did not have their information on it and also the contract did not have my signature anywhere on the document. This is what they have been damaging my credit reputation with, a unsigned document from a company that I have never given my credit card, nor permission to furnish my credit report. All bureaus except for XXXX has removed this fraudulent account. When I reached out to the company for remedy they would put me on hold and Hang up whenever I asked them about phishing for my information, or my information being sold to them.
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| 04/29/2022 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have new and updated information about NCS ( National Credit Systems ), they have failed plenty of times to provide me with a signed lease agreement from the alleged original creditor. Which is a violation of my rights as a consumer. They have continued to send the same documents that's not signed by me or anyone that works for XXXX XXXX XXXX. And I have asked for any documentation with my name on it to validate this alleged debt and they haven't sent any documents to prove I signed any lease aggrement or form saying I am liable for this debt. NCS have proven time and time again that they don't have anything with my signature on it, just these very false and misleading documents that they keep uploading which or a violation of the FDCPA as well. Im asking you CFPB to do your job and protect me as a consumer and demand these people to stop holding me and my consumer report hostage and delete all negative reporting from all CRA 's. This has hindered me for years and my children or suffering from NCS violations of the FDCPA. AND PLEASE THIS SHOULD BE HANDLED IN LESS THAN 30 DAYS NOT 60 DAYS!
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| 05/26/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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National Credit Systems XXXX XXXX XXXX XXXX GA XXXX Account XXXX submitted a false and frivilous account based on misleading information from Creditor -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I terminated application process with apartment mgr XX/XX/2018. I never signed actual leasing papers and never submitted a deposit because XXXX who was acting on behalf of the properly verbally terminated the application process. At that time, she instructed me that the process was complete and nothing else was required on my part. I have several voice mails from her indicating all of the above actions. To add I never had keys nor did I ever take physical possession of any units because XXXX was acting on behalf of the leasing agent and again terminated all associated actions. I have reached out to XXXX XXXX XXXX and phonetically and thru certified mail and they have purposely refused to communicate with me. However, National Credit Systems have and they are aware that they made have been misled when they assummed the account as there never should have been an account from the start.
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| 01/27/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Older American |
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I rent an apartment in XXXX ( XX/XX/XXXX ) property in XXXX XXXX New Jersey, for security deposit I bought a {$1000.00} ( XXXX XXXX dollar ) bond to cover any damage or repairs to the property. After I left and return my keys, I received a bill of {$230.00} for steam clean the carpet and some garbage I left in the garbage bin. In an email form the property manager stating that the money will be taking from the bond and I will not get any money back from the ( {$1000.00} bond ) Recently I been getting letters and threatening phone calls from ( National Credit Systems Inc. XXXX XXXX XXXX XXXX GA XXXX ) from a person called XXXX XXXX Tel : XXXX last one dated XX/XX/XXXX claiming that she will report me to all three credit bureau and will ruin my credit I have sent several letters to Miss XXXX with attachment emails from the property manager informing me that the {$230.00} will be taken from the {$1000.00} bond All my letters and correspondents fell on deaf ears, I even sent a letter to Georgia Attorney General to complain about this collection Agency tactics and they told me to contact the FTC
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| 10/18/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I recently submitted a complaint against national credit systems regarding a fraudulent account that was placed on my credit report. XXXX of my complaints with this company is still being reviewed. However, the second account that they are reporting has came back verified or with accurate information. This matter needs to be re-investigated as I explained in plenty of my dispute letters, as well as contacting the company about being an identity theft victim, which in this case my identity was compromised to obtain apartments at properties I never lived at with this complaint, I have submitted my identity theft report affidavit which is also notarized. I also have sent them another letter with the same information dating back XX/XX/2023, which the status on the tracking has yet to be received.
To summarize my situation again I am a victim of identity theft, and these accounts listed with your company. National credit system is reporting in accurate information without a thorough investigation. I am requesting you re-investigate this matter with both of the accounts listed in your system.
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| 06/12/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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I have been contacted several times by National Credit Systems about debt to XXXX XXXX apartments for a debt I do not owe. I have been threatened several times via phone and have one recording of such. The threats include damage to my credit and making sure I would never get " another '' lease again, although I wouldn't need to ever have to worry about that. profanity used several times. I sent them 2 letters to no longer contact me cease and desist. They still call and harass. I obtain legal representation to have this matter cleared up and have provided them with my attorney 's information. If this continues and this account is not removed from my credit record I will pursue legal action against all parties involved including a XXXX XXXX XXXX who now has the account. I am sick of the harassment and do not owe this debt. I have provided an affidavit that was notarized and filed complaints with the FTC, your agency, the Georgia State Bar, and Attorney General 's office. I do not owe this debt in any way shape or form. I have retained an attorney and will pursue this as long as I need too.
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| 05/22/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- You told them to stop contacting you, but they keep trying
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Web |
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According to the ( FDCPA ) this 3 party collections company is breaking laws I told them to stop contacting me and they still contacted me through email because they could not validate the account correctly they do not have any contract with me and they also stated that they do not own the account!!! I contacted the original company which is summit park apartments they stated that the account was written off as a cancel of debt. So technically this 3rd party collect company is trying to collect on a debt thats been canceled. They against the ( FDCPA ) laws also The ( IRS ) laws there was a 1099-c form filed own the debt for a tax break for summit park apartments. The 3rd party company do not have any real documentation for holding this account on my consumer report they must delete this account at once the original credit also stated that they do not own the account as well so it must be deleted this account is satisfied as cancellation of debt.Which the ( IRS ) identify as Earned income so National credit systems has lots of cases where they breaking law of the ( FDCPA ) ( FTC ) as well
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| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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On XX/XX/2019 I paid a total of XXXX to XXXX XXXX as my final payment before moving out. The payment was done with a cashiers check dispensed through my bank, XXXX XXXX XXXX XXXX XXXX XXXX. I have proof of the check.
XXXX XXXX submitted the payment on XX/XX/2019 into their system. I also have proof of their records as they have given me a copy.
Months later I received a copy from National Credit Services that I owed the same amount described above ( case number XXXX ).
I called the apartment office to let them know of the letter received from National Credit Services. I was told it would be corrected from their end. Over a year now, this collection is still under my credit report. Please let me know what to do in order to have it removed.
I did call National Credit Systems and was advised to mail in proof which I will. I am in the middle of refinancing my home and this collection is keep me from having an excellent score. Please advise me on the proper steps to get this removed. It seems that mailing my information will still be lengthy process.
Thank you so much for your time.
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| 02/28/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Called and wouldnt give the name of the company I owed as I knew it and wrote checks to, repeatedly. Refused to provide proof, other than phone calls, that they were authorized to collect the debt despite my asking for this over and over. Refused to talk with me after bankers hoursalways when I am working. Asked them to send correspondence to my work address, they refused. Refused to allow communication with them by email or faxthis is 2019 folks. Even the debt they are trying to collect was executed electronically. Refused to stop cutting me off in mid-sentence. Attempted to intimidate me by ignoring things I said when I talked and cut me off. Refused a call back from a supervisor. Their accounting of the amount owed is wrong even though I have bank records that show that Im right. Refuse to look at that accounting. A company based in XXXX GA keeps displaying a XXXX, IL area number because my cell phone has a XXXX number, leading them to give me incorrect times as tomwhen they weee open. Made light of my job in television as a news reporter who has done story after story about scammers.
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| 09/15/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Dear Sir or Madam, My name is XXXX XXXX a former resident at property XXXX XXXX XXXX in XXXX, TX. At the time under the management of XXXX XXXX.
We're fed up with the management of the property and our complaints and service call never completed on time.
One incident that was a breaking point for us was the unit upstairs had a massive water leak and the water damaged the ceiling and fell, water-soaked in the carpet and mold on the walls. Management took weeks to respond to the services call, because of that the unit had a strong smell of mold and mild dew. My old parent 's health condition was affected by this.
We notified the management because the unit was not serviced as agreed on the contract. We will end the lease and moved out. The property then turned this over to the National Credit System , Inc. to collected debt per breach of contract.
I attached a copy of the break down of the collection charged here. As you can see on the form XXXX XXXX misleading the reason for move-out as personal reasons/concerns.
I included the photos attachment as proof.
Thank you, XXXX XXXX
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| 12/20/2017 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I moved out of XXXX XXXX apartments I XX/XX/XXXX because non English speaking personnel kept entering my unit without giving any notice at all times of the day and night and management would not do anything about it. I gave proper 30 written notice that I would be moving out. I paid the {$570.00} last month rent on time and in full with a money order. I did not damage the unit. They took my entire security deposit. I did not know I was sent to National Credit Systems for this fraudulent debt until I was denied housing for property debt from this company XX/XX/XXXX. I ca n't find a place to live because of this unfair and inhuman fraud! I have never received an explanation of charges even though I requested it. Instead I received a threatening letter XX/XX/XXXX stating they rereported the false debt to all three credit bureaus and will adversely affect my credit for as long as they please because I wo n't pay them {$1800.00}. How does {$570.00} become {$1800.00}? I presume one of the management cashed the money order for themselves. Again, I have never received an explanation of charges!
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| 03/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
National credit systems is violating the Fair Debt Collection protection act. This collection company never reach out to me to validate the debt prior to placing on my credit. The invalid debt reported on my credit as open collection since XX/XX/XXXX and first appeared on my credit late XX/XX/XXXX is inaccurate this account was never a collection account and was paid in full at the time they reported to the credit bureaus the status of the debt is inaccurate due to account being paid as agreed and closed. I further confirmed with the original creditor Wildgrass apartments the amount reported is incorrect balance is XXXX the open date is incorrect furthermore the company was advised by the original creditor on XX/XX/XXXX that this is not a collection account National credit system further proceeded in violating the FDCPA by reporting all of the above inaccurate information again to all credit bureaus on XX/XX/XXXX inaccurate information and no one never contacted me from their company by written and or verbal communication prior to placing this debt on my credit which violates the FDCPA
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| 08/13/2015 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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Dear CFPB, On XXXX XXXX, 2015 I contacted National Credit Systems XXXX Inc., and I spoke with representative XXXX XXXX about a debt they Reported to the creditors in the amount of {$1700.00}. I requested a debt settlement offer for {$1000.00}. In which I was denied. XXXX days latter, requested a settlement offer for {$1200.00}. And on the XXXX of XXXX, I was told my offer was denied and they were not accepting any offers, and that the account had to be paid in full by XXXX XXXX, 2015, and if not paid in full by that date the amount owed will increase and the new amount would be reported to the credit bureaus. So, to avoid any more negatives to my creditors I paid the amount in full on XXXX XXXX, 2015. To my astonishment, on XXXX XXXX, I received a letter from XXXX XXXX, stating that they are offering a XXXX percent settlement in the amount of {$880.00}, I was shocked! And hurt to know that they would go to such extreme to be deceptive just to obtain the full amount. However, I would like for the company to honor the 50 percent settlement offer, and return {$880.00} in certified check.
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| 02/04/2016 |
Yes |
|
- Communication tactics
- Used obscene/profane/abusive language
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Web |
|
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This is a bill the I owe my 1st year of college, I rented an apartment off campus and when school was over I had 3 months left to complete my lease the amount of rent was {$320.00} a month but I was giving a settlement of {$1600.00} for XXXX XXXX from the National Credit System , Inc. I am trying to get this bill paid off but every times I talk to XXXX XXXX she is extremely rude and nasty when I ask her how come my settlement is so much, XXXX XXXX has forfeit the settlement of {$1600.00} only because I asked her for a detail bill for everything I was being charged on my credit report, That is my right to ask a collection representative what I am being charged for especially if they are collecting {$2000.00} with {$1000.00} being in late charges. This collection representative is abusing her position and not giving me a settlement now just because I asked for a detail bill this is against the law when I am trying to settle this bill, XXXX XXXX XXXX of National Credit System continues to abuse her authority just because i do n't know who else to turn to and to get this matter resolved.
|
| 02/05/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
National credit systems purchased a debt against me for an apartment lease that I did not live in or rent from. My credit was affected by this and I am currently denied housing from leasing companies due to this. The leasing company that sold the debt to National Credit System has sold their business to a new corporation. Due to this I am unable to have this issue reviewed and rectified. The leasing agent that I originally spoke to via telephone in XXXX of XXXX was terminated shortly after, and then the company was sold shortly after his termination. I never seen the apartment or received keys to the apartment, or lived in the apartment. National credit systems informed me in XXXX of XXXX that I owe {$4900.00} for the apartment and that I am obligated to pay them in full to clear the debt. When I attempted to enter into a housing agreement with a leasing company, I was denied due to National credit systems being on my credit. The leasing company is " XXXX XXXXXXXX '' broke the agreement of the lease because according to the terms, I never inspected the apartment prior to occupying.
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| 10/10/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
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To whom it may concern : I have several collection accounts on my file from a collection agency named NATIONAL CREDIT SYSTEMS. The accounts and account # s are as follows : -National Credit Systems/XXXX -National Credit Systems/XXXX -National Credit Systems/XXXX Please be advised that I am disputing these collections due to NATIONAL CREDIT SYSTEMS at XXXX. XXXX XXXXXXXX, XXXX, GA XXXX not currently have a valid license in the state LOUISIANA to collect on debts. This information is stating that there is currently no valid license for NATIONAL CREDIT SYSTEMS addressed at XXXX. XXXX XXXX, XXXX, GA XXXX, according to Louisiana Secretary of State website, XXXX XXXX XXXX I am requesting the the matter be investigated and delete these accounts from my credit file ( each credit bureau ) immediately or provide me with physical proof that NATIONAL CREDIT SYSTEMS at XXXXXXXX XXXX XXXXXXXX, XXXX, GA XXXX is licensed to collect debts in Louisiana and a debt agreement signed between myself and XXXX XXXX XXXX at XXXX. XXXX XXXX, XXXX, GA XXXX. Your immediate response will be greatly appreciated.
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| 08/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I moved to the XXXX apartments XX/XX/XXXX my lease ended XX/XX/XXXX! Never missed a payment. I decided to renew my lease they stuck a packet in my door to fill and submit back XX/XX/XXXX I submitted back the forms and took a picture of me handed the packet back because I know things are half done around there. So management failed to contact me Ill walk everyday to see if anyone in or call in and theyll tell me that theyll try to get in contact with him so he just went ahead and moved out in XXXX and turned in the keys to whoever was on duty XX/XX/XXXX my neighbor stated that they found a 5 day to vacate to move in XXXX mind you I already moved out ; so I had to show up for eviction court and I go charge for months I didnt occupy the unit! I wrote and sent certified letters to validate debt, and the last letter they signed for XX/XX/XXXX with the proof of documentation where I wasnt charged for XXXX and where the storage and uhaul was purchase so no one havent gotten back with me yet! And they sending emails thats ending up in my span than send out letters like they instructed too!
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| 02/28/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
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We have an apartment complex ( XXXX ) that we lived at and moved out of and at the time we did not owe any money. Later we noticed on our credit report that the apartment complex sent a collection amount to a collection agency ( National Credit Systems Inc. ) for over XXXX dollars, we contacted the collection agency and tried to get clarification of the amount owed and who actually owed it. They stated that there were XXXX different social security numbers attached to the debt, but did not know what amounts belong to witch social security numbers. we then contacted the XXXX and asked for clarification, they would not send us any information. All they stated was that all people with the last name of XXXX was put into XXXX file and then sent to a collection agency. National Credit Systems did state that some of the charges was a security deposit. How can a security deposit be charged after a move out. We have asked several times for the original documents and XXXX and the collection agency have never provided them. We are trying to buy a house and this is preventing us from doing so.
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| 12/10/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I lived in XXXX XXXX XXXX XXXX from XX/XX/XXXX - XX/XX/XXXX. My son was diagnosed with severe XXXX and put on a XXXX and XXXX for the entire time while living in XXXX XXXX XXXX. There was mold and construction dust in the Ac unit that was causing his illness. We notified the maintenance of the apartment complex who simply changed the filter of the Ac unit, but the mold and construction dust remained a problem. We decided to take action for our sons health and gave a 60 day notice that we would be leaving due to unlivable conditions in the apartment. As soon as we moved, my sons severe XXXX and XXXX issues went away immediately. We have submitted several letters to the company directly about this matter and they pay no concern to the issue and are charging us for the last months rent money. They neglected to keep a healthy living environment and for that my son was on harmful XXXX for almost one year. I have medical bills and prescription/ medical records to prove this. The charges they are requesting are unlawful and need to be removed from mine and my husbands credit report.
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| 01/23/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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My husband and I moved out of the XXXX XXXX XXXX XXXX on XX/XX/2014. At the time my name was XXXX XXXX last name in now XXXX. We were six months into our lease and we had to move, because my husband was transferred to XXXX Oklahoma for work. We did break our lease, but we paid everything that we owed before we left. After we moved the apartment complex was putting eviction notices on our door ( we have proof of this, someone sent us pictures ). The apartment also had someone move in while the lease was still under our name. We had a lawyer and all. The apartment complex ended up selling the account to a third party collection agency. The XXXX XXXX XXXX ended up being bought out by a different company. They couldn't/ wouldn't even verify the debt when we tried renting another apartment. The apartment complex needs to report to national credit systems that we don't owe the debt. Since we never owed it anyway, and They sold the debt and then sold the company. I've been battling this for 4 years. Our apartment number was XXXX when we lived there. We lived there for 18 months total.
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| 04/27/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I had a debt of {$1000.00} from XXXX XXXX when I had to move out of the apartment earlier to move to another state, job related. I thought I paid my final payment. One ye ar later, I found out {$1000.00} was sent to collections. I settled with XXXX XXXX & XXXX for {$700.00} in XXXX 2015. 2 years later, I now find out that a {$360.00} ( d ifference of debt owed and settled ) is in collections at National Credit Systems. I have sent National Credit Systems th e letter saying it was settled and closed, they will not close it out. NCS is saying it was a {$360.00} termination fee sent from XXXX XXXX into collections XXXX 2015 ( c oincidentally 6 months after first settlement ). I called XXXX XXXX and there was never a {$360.00} balance sent. It was only {$1000.00}. I 've attached the letter saying that the debt was settled. This has now prevented me from renting an apartment complex because it is showing up that I still owe the complex. I settled with the collection agency as soon as I found out about it. The {$360.00} is the difference and nothing more.
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| 12/06/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I came in from work with a molded apartment. I lost everything. Furniture, clothes, shoes. Mold was in the bathtub & walls. On XXXX XXXX I asked to be let out of the lease because it was a health hazard to live there with mold. On XX/XX/XXXX I moved out and return the keys back to them.They agree to let me out the lease, I was given an early move out date & termination document with the manager at the time, XXXX whos signature is the document stating that they agree to let me out with a valence if XXXX. I asked for a ledger but it was all messed up with incorrect numbers. I was not behind in rent and never was late.
Ive reached out to them about 6 times about the matter its been 3 years Ive been trying to get this misinformation off. The palms of XXXX XXXX proceeded to update the balance with a new ledger stating I owed {$120.00} back in XX/XX/XXXX with a new ledger, but I have all documents stating that XXXX XXXX let me out of the lease owing XXXX XXXX. Its miss information & the amount owed XXXX is false
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| 02/02/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I saw an entry on my credit report from National Credit Systems. I wrote them a letter and they never responded to me, they only updated my credit report that I owe {$59.00}. I then researched the internet for the company and found them online. There is a section that allowed me to put in my social security number and the amount owed as listed on my credit report. It would not accept the information to allow me into their system. I have attached a screen shot of the information as listed on my credit report and the section in red the keeps asking me for valid information. As a result of this company not responding to my letter and I can not enter their system to verify this account how can they report on my credit repot that I owe this debt? And if I do owe this debt they are not communicating with me or allowing me into their system to verify this. It appears they just want to report negative information and can not verify to me I owe this debt. They are violating my rights and reporting false information on my credit report to damage my financial character and causing me XXXX.
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| 01/11/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I just recently submitted a dispute to XXXX Credit Bureau on XX/XX/XXXX. They have just notified me on XX/XX/XXXX that the dispute has been updated and the results are to stay the same. National Credit Systems ( a collection agency ) has been negatively reporting on my credit a balance of {$2200.00} since XX/XX/XXXX of XX/XX/XXXX. I have made numerous attempts to remove this false report since then which includes : contacting the realty company that initially sent the debt to National Credit Systems, contacting the collection agency via phone and by mail, and several disputes with my credit bureau. National Credit Systems and the realty company is claiming that I did not provide sufficient notice of my move out date. I have provided sufficient evidence showing that a notice was provided and that all fees were paid prior to move out date, however, this claim keeps getting rejected. Due to this false claim, I was forced to move into second chance leasing where I have encountered several dangerous situations and it is preventing me and my family from being in a safer neighborhood.
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| 11/01/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I lived in Missouri with a friend by the name of XXXX XXXX from the dates of XX/XX/XXXX to febuary XXXX. I decided to move back to Florida and stayed with a coworker named XXXX XXXX and XXXX XXXX XXXX. XXXX XXXX apartment for less than 3 months. I never signed a lease with them and was on a month to month lease because I had only intended to stay for 3 months. XXXX the office and leasing XXXX understood this agreement and told me to stay off the lease in case she ( XXXX XXXX ) didn't pay bills after I left. I followed his statements. I left in XXXX of XXXX. XXXX XXXX abondand the place after I left. A debt collector by the name of National credit system reported me as having this debt collect of XXXX. I tried to resolve it with them but they refuse to remove my on the account because I lived there for over XXXX. XXXX is willing to talk an to the bureau because XXXX XXXX never gave Nation Credit System my information and I am not responsible for the account. His number is ( XXXX ) XXXX. I have no copies of the lease because I am not legally enitiled to it as I was not on it.
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| 11/09/2019 |
Yes |
- Debt collection
- Mortgage debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I rented an apartment with XXXX XXXX for me and my two sons. Unfortunately I had to break the lease to go into the hospital for a XXXX condition. I was experiencing XXXX XXXX weekly. My medical condition was highly public and I have even been on the news for my XXXX condition. I made the leasing office fully aware that I was going into the hospital long term, and would not be able to continue leasing the apartment. They are now charging me with rent for the remainder of my lease, for months I didn't even love there, as well as tacking on trumped up charges for damages, when there WERE NO DAMAGES to that apartment made by me. The apartment was left in the same condition we found it in. Now I have over {$3000.00} worth of debt on my credit for this apartment. This is highly unfair, I can not control my health. This company is simply going after me for the money without any compassion. I have been completely absolved of my federal student loans because of my XXXX, but these leasing agency refuses to let the balance go, or at least lower it some and work out a settlement offer.
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| 05/01/2023 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Following up on contents received as a result of CFPB complaint XXXX.
This company never obtain permissible purpose in order to furnish any account on my consumer report. In addition to that Charges highlighted in box labeled charges on exhibit A are inconsistent with the same alleged additional charges highlighted on exhibit A and exhibit B.
I never received supporting documentation evidencing the dates alleged charges occurred. How can this be accurate when exhibit B list credits which are not listed in exhibit A in the box that details payments and credits.
This can not be validated.
This company also keep reinserting the fraudulent account information without sending me supporting documentation of any verified results, further damaging my credit score and financial reputation.
The open dates dont match. This information is FALSE!
This company is to block and remove this fraudulent information from my consumer report and never reinsert it again! This is aggravated identity theft since NCS never obtained permissible purpose to furnish any account related to me.
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| 08/10/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Starting about XXXX of last year ( maybe earlier ) I started disputing National Credit Systems for said amount of XXXX. I did not validate this debt, nor has verification, or evidence of prior contact or proof which links me to the owed amount, has been provided to me. No evidence was sent back to me in regards to this account. This company never informed me that a debt was owed back in 2015, whether by phone or mailing, which erases the debt all together from my profile. Not to mention, this company has blatantly caused harm to myself and my financial situation. On XXXX occasions, this company has removed the account from my profile, only to have placed it back on, moments later. I have questioned not only their acts and clear violations of 15 U.S.C, but also their inaccurate reporting of their name on my profile, along with other inconsistencies. All in all, this company violated a few laws and never contacted me to validate that not only a debt was owed, but also prove that the debt was mine. No evidence has been provided from this company. Please delete, immediately!
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| 05/21/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2018 National Credit Systems put a debt that was my daughters for a past rental debt they said they put it on my credit because I signed an application that said I was a Guarantor for this debt I was planning on co-signing for it but was told by the assistant manager that they didn't need it then a week after they realized they messed up they wanted me to sign and I refused the apartments XXXX XXXX has never provided me the documentation stating this my daughter paid even more than what was owed due to the fact she needed a place for her sons and they knew it so they would not negotiate on the debt AND made her pay more than was owed!!!!!!!!!! Now I can not get approved for any housing because this is on my credit if I signed something I will shut up and move on but send me the docs with my name that says I am a Guarantor OR TAKE IT OFF ALL MY CREDIT REPORTS NOW!!! This is insane how this collection agency did us how can they put a debt on your credit without a paper trail???????? I continue to send 100s of emails demanding they take this off I am so frustrated!
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| 01/14/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I was asked to vacate my apartment in XX/XX/2015 at XXXX XXXX at XXXX XXXX because the apartment manager allegedly found items in my apartment that went against the terms of the lease. I was never made aware of what those items were, not was i ever showed the pictures that the apartment manager claimed they took inside of my apartment. All of this was a result of my apartment being burglarized while I was home. I asked to move to a different building for my safety, two managers walked through the apartment with me and I passed an inspection to move out. After that, I was told they did an additional walk through and when asked what was found in my apartment that was causing me to be kicked out of my home, I was told you know whats in your apartment. After vacating the apartment I received a bill with a charge for early termination of lease for approx. {$2000.00}. But I DID NOT TERMINATE MY LEASE. I was asked to vacate within about two weeks for a reason that was never made aware to me. Because of this, I can not get a home of any kind with this amount on my credit report.
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| 05/25/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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On XXXX XXXX 2017 I rec eived a phone call from XXXX XXXX wi th National Credit Systems , Inc about alleged money that I owed to XXXX XXXX XXXX Homes. I told her to send me proof in writing to validate the debt. I know under the Fair Debt Collection Practices Act that they have 5 days to send me the information. I received the letter yesterday, XXXX XXXX 2017. I t was postmarked XXXX XXXX 2017. Included was an invoice from XXXX XXXX XXXX XXXX , listing various charges and it was addressed to the apartment that I had moved out of. I never received this original invoice, so I never had the opportunity to dispute or keep it from going to collections. I do n't believe they mailed it because I would have received it since all my mail was forwarded. I tried calling XXXX XXXX after I moved out many times and I never once received a return phone call. They also never tried to call me about anything I owed. my phone number that they had on file did not change. In addition, National Credit Systems failed to prove ownership of this debt.
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| 12/15/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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i'am reopening this case again, i 've never get contacted by the consumer financial protection bureau about this case.this occured in 2012 when i used to lived at XXXX kentucky XXXX.i was behind on my rent for rent, i was sent a notice by the land lord i went to court but she never showed up, i was planning to live for XXXX illinois and i told her. in between my departure and the time i was given a notice i get a hole on my tires twice, i called the police, and they did their report, also she break into my appartment without a notice she broke the door when i come home she told me that she was the one who did, iam asking here for fair resolution for this case, the security deposit never get refunded which should bring my balance to {$950.00} and also i want my XXXX tires to get refunded which bring my balance to {$150.00}, i try so many time to contact the collection but its looks like they do n't want an agreement.
thank you for your help, for further information feel free to contact me at my phone number XXXX thank you for your help one more time sincerely, XXXX XXXX
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| 04/10/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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I was looking at my credit report and I saw a few things on there that wasn't correct and I reached out to the creditor on on XXXX XXXX for proof these were my debts. I requested this information to the following agencies XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, MI XXXX Re : Amount {$620.00} XXXX XXXX XXXX XXXX XXXX XXXX, Suite XXXX XXXX, NY XXXX Re : Acct # Ending in XXXX ( as it appears on credit report ), Amount {$1100.00} National Credit System XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$4400.00} National Credit System XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX Re : Acct # Ending in XXXX, Amount {$2500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX Re : Ref # XXXX, Amount {$770.00} I didn't know this was even on my credit report until I was trying to get a house loan and was denied do to theses marks on my credit report. I feel I have given them proper time to give me the items I have requested and they have failed to compile with my request of them in 30 days from my letters I have attached to each of them.
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| 07/02/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/XXXX I sent a letter requesting a full investigation and removal of National Credit Systems , Inc, XXXXXXXX XXXX XXXX XXXX, XXXX GA XXXX to XXXX. Because my sister and I do not owe National Credit Systems or XXXX XXXX XXXX any money for rent or damages as they have claimed. We dont owe them {$5000.00}. It is not a judgment in the favor of any companies listed above. We dont have an eviction or monetary judgement from or for XXXXXXXX XXXX XXXX or National Credit Systems XXXX XXXX has had over 45 days to fix and to remove the false information for our credit report, but have fail to do so. On the XXXX has falsified information such as saying that we owe {$5000.00}, missing information about last payment date, Date of First Delinquency XXXX XXXX, XXXX. We have judgements in our favor against XXXX XXXX XXXX which shows that we was not evicted and do not owe them anything. I believe that XXXX have violated my rights under Fair Credit Reporting Act such as 15 USC 1681b, 15 USC 1681c, 15 USC 1681d, 15 USC 1681e, 15 USC 1681g, 15 USC 1681h,15USC 1681i and much more.
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| 07/21/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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The beginning of last year I received notification from this agency. I immediately called and spoke to a representative and stated I am disputing the collection. I asked for proof of validation. 2 Weeks later I received the same demand for payment letter with no validation. I then requested validation again in writing. I no longer received any form of communication from this agency. Instead they put the collection on my credit with a memo saying I dispute the collection. The address provided on my credit for the business is XXXX XXXX XXXX XXXX, XXXX, GA On X/XX/2017 I requested verification through the Credit Bureaus. I received no response so I requested again on X/XX/2017. This time the collection was removed from XXXX because the company has yet to validate this debt of {$3200.00}. On X/XX/2017 I filed a complaint with the BBB. Complaint # XXXX. This company failed to respond to the complaint. It has been well over 30 days since my last request but over a year and a half from my initial request. They have no proof of this debt. I have no contract with this company.
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| 04/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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For 3 years I've made payments to XXXXXX/XX/XXXX for a rent debt. This XX/XX/XXXX, I was finally able to settle the debt in full with them. Unbeknownst to me, another collection agency- National Credit Systems- was trying to collect the debt ( at the same time ) and reported the debt on my credit in XX/XX/XXXX. The paid debt was reported to the credit bureau and I sent a copy of the receipt to National Credit Systems on XX/XX/XXXX for them to completely remove this from my report as I had been paying Impact on an arrangement and had paid it off completely. XX/XX/XXXX update my credit file to the bureau within a week, but now, almost 2 months later, National Credit Systems is still showing a bad debt on my report. I've called over and over and they say they are updating it and never does, nor are they following up with me. Two creditors collecting the same debt is illegal, to my knowledge. And to report this as a bad debt 2 months after I paid it to the ACTUAL AGENCY HANDLING MY ACCOUNT is bad practice and affecting my ability to move and gain financial opportunities.
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| 09/28/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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the national credit system is attempting to collect on a debt already paid in XX/XX/2022 i took XXXX XXXX XXXX XXXX XXXX to court on a tenants assertion, now XXXX XXXX XXXX XXXX XXXX XXXX has reported our credit history jointly we XXXX XXXX XXXX and XXXX XXXX XXXX owe {$520.00} for late chares of {$140.00} two times and they is no late charge because all the rent money was paid to escrow account in XXXX court because XXXX XXXXXXXX XXXX rented me and my on XXXX XXXX XXXX a roach infested apartment and the unit XXXX XXXX XXXX XXXX XXXX was un liveable and XXXXXXXX XXXX XXXX breech the lease agreement and therefore should not even got the {$3000.00} they got i think this is malicious of XXXX XXXX XXXX to finacial try and XXXX me and my son finacially plus they charged us two false {$25.00} fee and they were not taken off and they need to charged for using my stored bank card for attempting to use my card even after emails between XXXX XXXX athe manager at that time knew she was not supposed to still be debiting my bank card and thats call stealing double dipping greed
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| 07/11/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Me and my wife leased a apartment in Alabama named XXXX XXXX XXXX XXXX XXXX while living there the apartments did not hold up there end of the lease such as maintenance ( they where called to the apartment due to a broken dishwasher and while attempting to repair it flooded our apartment then looked at my wife and told her to clean it up this happened while I was over XXXX XXXX XXXX ) the apartment flooding caused mold to grow in the walls and the floor to bubble up the apartment was notified and became annoyed and stopped answering our calls they also had a flea infestation that they refused to take care of and our pets suffered severely from this they stopped cutting the grass for several months and the grass because very tall and after multiple complaints they cut everyone elses grass but ours they where notified of a beam supporting the patio above is cracking and sagging and refused to fix it so we gave them a 30day notice as was there policy that we would be breaking the lease and moving for our safety and a few months later we found a collection on our report
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| 10/13/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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I previously filed a complaint about about National Credit Systems in regards to a collection they have on my credit report for XXXX XXXX XXXX. They provided you and myself via mail with a copy of my lease and a bill that was faxed to them XX/XX/XXXX stating that XXXX XXXX verified the debt. XXXX XXXX was the owners in XXXX when I signed my lease and XXXX I moved out, XXXX the property was sold to XXXX, then again in XXXX to the current owners XXXX XXXX. The original owners business no longer exist no contact information can be found and they no longer hold a business license in Arkansas. The current owners and the one prior to them stated they have no record of debt and no way of providing National Credit Systems with a verification of debt. They cant even provide me of any records. This collection agency has obtained old documents in attempt to collect money from me, by saying they are collecting on behalf of XXXX XXXX which is false information. Secondly any debt that was with the original owner XXXX has reached the statute of limitations Arkansas Code 16-56-111.
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| 01/19/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
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Web |
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National Credit Systems is a debt collection agency that has been given ( according to FCRA ) more than 30 days to do an investigation for proof that legally ties me to the debt they are reporting on my credit report. I have sent certified letters to this company for proof and they havent sent anything with my signature or an original contract. I have also sent what this company has sent me to the credit bureaus as well as a statement to remove immediately. The credit bureaus have not removed even with the proof and says that according to the FCRA, they have to give the collection agency another 30 days to investigate. That is not how the FCRA operates. I need this collection agency, National Credit Systems, removed permanently from my credit report bc they can not and will not show proof of debt.
Below I have uploaded the debt validation letter I sent to the collection agency as well as what the collection agency sent me back after their 30 days. Also, I have uploaded the letter I sent to the credit bureaus and all the other documents were sent to them as well.
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| 09/20/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I received a bill on XX/XX/XXXX that a transaction would be withdrawn from. My account on XX/XX/XXXX. I called national credit system because due yo fraud on my credit card again I had to get a replacement card and was simply calling to give my new card number. My account XXXX XXXX was extremely rude and said due to the payment being rejected they can no longer do auto pay. I explained the situation and he stated it was not his problem. I asked to speak to a supervisor and got XXXX XXXX who was horribly rude, disrespectful, refused to listen to my concern, and over talked me. When I tried to explain he said " you are not going to disrespect me '' which was odd because I did not yell, curse or become disrespectful. He used this verbiage to disconnect the call. Please review it!! I never had a company try to prevent you from making a payment. I also went back and checked email and have never received notifications. And .... to receive a bill a day after the withdrawal is ridiculous. This company is ridiculous and hires anyone with vocal cords to answer the phone!!!!
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| 05/16/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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. I was going over my consumer report. I saw that I had a collection by National Credit Systems, so I sent a debt validation according to 15 USC 1692 ( g ) ( b ) to verify the debt obligation. Also, included in the letter was a cease and desist all reporting notice. They responded with a letter saying that they adjusted the debt due to their investigation which brought the alleged debt from {$4500.00} to {$2000.00}. Which mean they were furnishing misleading information according to the FDCPA in the beginning. Furthermore, attached to the letter was a summarized resident ledger from the alleged original creditor XXXX XXXX XXXX showing that account was paid off on XX/XX/19. In North Carolina, the statute of limitations for automobile loans, installment loans, credit cards and promissory notes is three years. The account # XXXX is still showing on my consumer report. It is a fact, National Credit Systems has been reporting false, inaccurate information on to my consumer report which has caused me and my family severe harm and damage my reputation due to negligence.
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| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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On XX/XX/2012 I received a notification from XXXX that there was an update to my credit file. While reviewing the update it showed a collections account through National Credit System in the amount of {$11000.00}. I personally reached out to National Credit System to obtain information on this. They said that they were a collections agency and this was a collections account for rental property called XXXX XXXX XXXX. The rep at National Credit System that there was a rental property that was completed online under my name for an individual by the name of XXXX XXXX and was never moved into. This is something that was done without my knowledge and not something authorized by me. I have attempted to reach out to XXXX XXXX XXXX to obtain information around this rental and report it as fraudulent over 5 times unsuccessfully ( 3 times via phone and lm with receptionist for management to call back and then 2 times from the site with my email as a point of contact ). I am personally reaching out to obtain information and start the process of reporting this as fraudulent.
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| 03/23/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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This is my second attempt to have this matter resolved with both the CRA and the Collections Agency neither has been in correspondence with me regarding the issue and it has been over 30+ days. I have asked for account verification of the account that's being reported negatively on my credit report. Please respond with verification. As I know.. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below.
|
| 03/08/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
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|
Web |
|
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Hi, I lived in a shared apartment with random roommates 2 years back when I was in college. The apartment complex is called XXXX. They are known for malicious practices such as charging residents fees without explanation after move out. I had a fee of {$190.00} which was unrelated to me. I tried contacting the apartment without avail. I received calls from a debt collector 2 years after I moved out. The collector is National Credit Systems and I unsuccessfully tried to dispute the debt. I also called again willing to pay off the debt if I could get something in writing that they will remove the collection from my credit. I was disregarded and hung up on by the debt collector. I 'm not sure what I can do and I need help.
This malicious activity is a constant practice by these apartments and debt collectors and they really hurt recent grads like me who are trying to start our career. I was n't given any answers and took a hit on my credit because of these practices. This is something that really needs to investigated because I 'm not only one dealing with this.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I lived in an apartment complex in XXXX and XXXX I was told I was removed from the lease. In XXXX I applied for an apartment and they told me I was denied due to an outstanding balance owed to my old property. I had no knowledge of this debt owed, and when I called the new owners of XXXXXXXX XXXX XXXX XXXX they informed me they had no information and I needed to call the previous owners. When I called the previous owners they let me know they no longer owned the debt the new company did. I went back and forth for days about what I needed to do. Finally 2 weeks later I received a letter from National Credit Systems letting me know I owed a debt and they needed more information from me. Working in the XXXX XXXX I know we are required to show prior notice before we send things to collections and that collections is supposed to reach out to us. I did not hear anything until I reached out to them. They refuse to discuss the debt with me until I give them my social, phone, address, dob, full name. I do know these tactics and I will not give them all my information.
|
| 08/09/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I pulled my credit reports a few months ago. I noticed that this company reported some debt that does not belong to me. I have disputed this debt thru the credit bureaus and it came back as verified. I filed some identity theft reports with the FTC, I filed a fraud affidavit with this company and have emailed to their collection manager XXXX XXXX and I have yet to hear anything about this. I have also contacted the credit bureaus to put a security freeze on my reports as well. I also found out that this company has this on my credit report but this debt does not even match my social security number, my social security ends in XXXX they have it listed ending in XXXX. I have also noticed on my credit reports that it states XXXX is reported as a variation of my real social security number and this company is the cause of this. so how in the world its listed on my credit reports. This is my LAST STEP in getting this resolved and removed. My very next step is to file a lawsuit. I take my credit seriously and this matter has not been resolved yet and I am furious.
|
| 08/24/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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This debt was incurred by my ex-husband by living in an apartment where we both lived when we were together. The debt is only in my name shared with a previous roommate 's. I have supporting evidence that my ex and I were legally separated when this debt was incurred.
When going to visit the property management company, I was told to leave the office because they could n't help me. I was embarrassed and treated very poorly. This debt does not belong to me and they did not give me a chance to resolve this with them. Instead, it was sent to collections under my name instead of my ex-husband 's.
I lived in this apartment with another roommate before my then-husband moved in with me. My roommate moved out at the same time. Now her ( ex-roommate ) and I are being charged each for the FULL amount instead of half each. We also each received an offer for resolution claiming we only have to pay 50 % of the debt. But if we were to accept it, we 'd still be paying the full amount together. The property management company is completely unprofessional and dishonest.
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
|
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I sent a money order to XXXX XXXXXXXX XXXX XXXXXXXX XXXX on XXXX for {$450.00} which was processed on XX/XX/XXXX. The XXXX at XXXX XXXX has also sent me a ledger and a letter saying that I have paid the {$450.00} in full. National Credit Systems still insists that I owe XXXX XXXX XXXX XXXXXXXX XXXX the original {$450.00} even though I paid in full 6 months ago and have sent the ledger and letter as proof to the National Credit Systems email. I have even disputed this charge with XXXX by sending in the ledger and letter on XXXX In turn, XXXX has reported that there is a {$0.00} balance for this account. Yet for some reason, XXXX still has not closed this account and insists that I owe the {$450.00}. When I ask for proof they have contacted XXXX XXXX XXXX XXXX XXXXXXXX about the original {$450.00} or for a status report they become very disgruntled. They do not have proof that they have recently contact XXXX XXXX XXXX XXXX XXXX and do not have proof that this debt has not been paid past the date my payment was processed by XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 01/23/2023 |
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
|
|
Web |
|
|
The consumer reporting agencies has failed in the DUTY AND OBLIGATION to conduct an investigation of their own when ever consumers sends in disputes with wrong information being runished. Conspicuously and 100 % accurate and 100 % correct. Which they clearly have failed to do which has gotten me denials for credit in the hardest financial situation to man. NATIONAL CREDIT SYSTEMS has clearly violated the FDCPA on numerous occasions as ill attached below. THE information being furnished by NATIONAL CREDIT SYSTEMS has been changed before and has been deleted/remove from all XXXX Major reporting agencies and not XXXX time have I gotten a letter/NOTICE of information being reinstated before XXXX business day its furnished back into a consumers file. VIOLATION. If NATIONAL CREDIT SYSTEM ASSERTS it did in FACT SENT NOTICE OR LETTER I hereby request proof of any of those claims and or documents. Lastly NATIONAL CREDIT SYSTEMS has certified and verified that the information being furnished in all 3 of my consumer file are accurate when in fact its beyond accurate.
|
| 10/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I noticed National Credit systems on my credit report stating that I owe an apartment complex by the name of XXXX XXXX. I called the apartment complex which the lady I spoke with said no we dont have your information on file. I called national credit systems and the lady I spoke with was very rude. She wouldnt let me talk and when I decided to speak up and inform her that I was a victim of identity theft and I never lived at this residence she hung up on me. I tried to call back she wouldnt answer. I found their email online on their website and emailed the required documents on XXXX XXXX. This collection is still on my credit report which it should not be at all. I am a victim of identity theft. An identity thief used my personal information without my permission to open an account and make purchases with XXXX XXXX XXXX. This debt is not mine.. The information listed below, which appears on my credit report, does not relate to me. This account was fraudulently opened in my name. XXXX also decided to hang up on me when I said I was submitting a complaint.
|
| 12/17/2022 |
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
|
|
Web |
|
|
I sent a letter on XX/XX/2022 to National Credit Systems. My tracking number was XXXX. However the letter was sent back and the address was listed as unknown, although the address is on my credit report.
According to the law 15 U.S. Code 1681a - Definitions ; rules of construction.
The term investigate consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of informations. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.
I would like to know whose address is on my credit report under National Credit Systems.
|
| 05/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
THIS IS NOT A DUPLICATE On XXXX NATIONAL CREDIT SYSTEMS INC on behalf of XXXX XXXX reported a collection in my credit report. This report is based on inaccurate information provided by the original creditor regarding apartment damages. The original creditor used a document dated XX/XX/XXXX to support a narrative of alleged damages. ( See Attached Document ) On XX/XX/XXXX my property was moved out of the apartment and myself and the property manager did a walkthrough inspection of the apartment, and no damages was mentioned or found. There was no documentation provided during the time of the walkthrough reflecting any damages. On the other hand, the original creditor generated a SECURITY DEPOSIT RETURN FORM dated XX/XX/XXXX. ( See Attached Document ) alleging damages to a cabinet. The original creditor also generated a move out letter dated XX/XX/XXXX addressed to XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Document ). My address during this time was at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AL XXXX ( See Attached Lease Copy ).
|
| 07/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On XX/XX/2021, I'd applied for a one bedroom apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/2021, community managers XXXX XXXX and XXXX XXXX sent an email notification to inform me that my application was denied. When I did not hear back from XXXX XXXX XXXX about the return of my security deposit in the amount of XXXX XXXX XXXX dollars, I'd ask my bank to dispute the amount of my security deposit. On XX/XX/2021, my bank credited my account with the security deposit in the amount of XXXX XXXX XXXX dollars. XXXX XXXX XXXX opened a collection account against me with National Credit Systems by creating a balance of XXXX XXXX XXXX XXXX dollars that I do not owe. National Credit Systems threatened that the balance with XXXX XXXX XXXX will damage my credit if I did not pay it. I do not owe this balance. My concern is not only for myself. XXXX XXXX XXXX may be in the practice of charging prospective apartment renters for the money for security deposits that they never return to applicants who are denied rental apartments.
|
| 06/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been receiving notices from these people for quite some time. I thought it was mine but then realized it was a previous boyfriend of mines and they are trying to collect from me. I tried on several occasions to obtain documentation from them that proves that this is my debt and if so, that this collection agency has the right to collect the debt. I have not received anything and they continue to report to the credit bureaus and they continue to send me notices.
XX/XX/XXXX - Requested Validation/verification of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable.
XX/XX/XXXX - Sent a 2nd request to validate/verify the account.
XX/XX/XXXX - Made a 3rd FULL REQUEST of proof that this debt is mine, that they were assigned the debt as well as proof that the debt was assignable.
They simply ignored me each time and sent nothing. So I would like assistance in either obtaining this information, or assistance in having them to stop reporting this unverifiable information on my credit report.
|
| 10/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have been receiving rude and threatening call from National Credit system regarding a XXXX XXXX XXXX XXXX. I never signed certificate and no one at the apartment complex explained anything to when i signed me lease concerning a XXXX XXXX. XXXX XXXX XXXX has refused to dispute this charge with XXXX XXXX and per Fair Credit Act they have to dispute if one is not agreeing with the bill. XXXX from National Credit System has called me multiple times after I have asked her not to call me but send everything in the mail. She refused to honor my order and this is not right. She has violated my rights and I will be filing a sue with XXXX County Courts for harassment after I've asked her not to contact me via phone after the very first rude call. XXXX, National Credit System representative has yelled and was very rude and stating I do owe it. These people are monsters and very rude. I wish Consumer Financial Protection will investigate and shut these monsters down. Also, XXXX stated they would put this account on my credit file. This is rude and disrespectful
|
| 04/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
On XXXX XXXX XXXX ( via certified mail ), a letter was sent to National Credit Systems requesting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within thirty ( 30 ) days of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my credit files and any further attempts to collect should cease. On or around XXXX XXXX XXXX , I received an incomplete response from the company, and, as such, on XXXX XXXX XXXX , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately. To date, the company still has not complied with my initial request and have not removed the account from my credit files.
|
| 05/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/2023 - I sent pay for deletion certified mail document to National Credit Systems Inc after finding out this debt existed from checking my credit report. The immediately denied my request by telephone.
XX/XX/2023 - Called National Credit Systems to figure out if anything was possible regarding payment plan. They agreed that if I could pay 70 % of the debt then thr accont would be resolved. Later in the same phone call I asked if I could get this agreement in writing and the agent said No because the offer is time sensitive. I pleaded with her that I needed it in writing and she said okay but the 70 % offer would be cancelled and I would have to pay in full. I said respectfully, I need proof of our agreed upon payment before I pay anything. She then proceeded to tell me that my credit would be ruined because they will make sure its reported every month. After the phone call, I received an email from the company regarding the agreement of 70 % paid would take care of the account. However, the agreement changed to 70 % in full by XX/XX/2023 2023
|
| 08/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Only XX/XX/XXXX, we recieved a phone call from National Credit Systems stating we owed them {$160.00} based on a collected from our previous landlord. Because we didn't believe we truly owed them money, we asked them to send a verification/proof of this debt to my husbands email. That email never came. A week later, we recieved another call, and again we told them we would not pay until there was proof. This time, I took it upon myself to send a " proof of debt verification '' to their P.O. box. That was on XX/XX/XXXX. They have up to 30 days to reply to this proof of debt letter. After sending that, we continued to recieve harrasing calls from them. Finally, the 30 days had gone by and we continued to recieve phone calls from them so I send an email stating that the 30 days to prove we owed them {$160.00} had passed, and they no longer had any legal grounds to continue calling us. I also sent that via an email. I did not receive a reply to that email. We continued/continue to recieve phone calls from them with no proof that we owe anybody any money.
|
| 08/20/2023 |
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
|
|
Web |
|
|
Disputed unauthorized accounts with National Credit Systems and XXXX XXXX XXXX in XX/XX/2023 and XX/XX/2023. They are both publishing unauthorized accounts on my report without providing proper validation as mandated by the FCRA and FDCPA. As of today, they have purposely failed to provide : 1. Your lawful authority to collect without my consent or 2. A copy of the original contract between myself and the original creditor where I agreed to the assignment of the alleged debt ; with my ink signature 3. An original contract between me and XXXX XXXX XXXX with my wet signature 4. The original purchase agreement that shows I'm the legal owner of this alleged debt. Please include all the terms and conditions that are included in the purchase agreement.
5. An affidavit signed under penalty of perjury that your organization has not violated any portion of the FCRA and FDCPA.
6. A verified certificate of authority and proof that your company is licensed to collect debt in my state. Provide me with a license number and registered agent or agent of service.
|
| 12/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After Reviewing my credit profile on XX/XX/2022 I identified a discrepancy with an account listed as National Credit System and validation requested as this was an account I did not recognize. I reviewed my account again XX/XX/2022 and the account continues to reflect on my credit report, and I have not received any correspondence from creditor. to validate this account as correctly belonging to me, nor has my credit report been updated to reflect that the account is disputed and therefore a 2nd validation letter was sent out on again. After reviewing my credit report again XX/XX/2022 there has been no updates and account is still reflecting on the report. I do not believe this account belongs to me nor do I believe the creditor has authorization to access the account nor authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 Credit Bureaus until adequate validation has been received proving that the account belongs to me, and all information is correct.
|
| 08/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
threatened that my credit will be ruined for seven years and I better have proof that the carpet in the apartment was in good condition if I am disputing. kept asking me for personal information such as my social security number. I already gave a security deposit which was not returned to me also the apartment complex was in the process of making upgrades, as each tenet moved out the carpets were removed and replaced with wood flooring. This is a scam to have past tenets pay for the buildings upgrades. During my time as a tent I never missed a rent payment, even when going without air conditioning on XXXX separate occasions each lasting several days. There was also and issue where Bees began nesting inside of my apartment when I asked the manager for help she hung up on me. the Bees were eventually exterminated. It is not possible to reach anyone above the apartment manager at XXXX, it goes to voicemail and the mailbox is full. Also I was never sent a bill or contacted by anyone that had an outstanding balance before receiving a collections notice.
|
| 10/11/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
So I lived in the district of XXXX XXXX apartments where I was paying rent and I always payed what was on my lease agreement months and month go by and they put a note on my door for a difference of {$2500.00} which I had no prior acknowledgment nor was notified about they was stating that it was the the difference that needed to pay I also had already notified the leasing office we will be terminating our lease due to military orders which also by law states that we can break are less with no extra penalties Under the SCRA, to end a housing lease early without penalty you must : Prove you signed the lease before you entered XXXX XXXX and that you will remain on XXXX XXXX for a minimum of 90 days. Provide your landlord written notice of your intent to end the lease early and a copy of your military orders. Which I had provided to them so now theres a debt collection on my credit and they are saying I was evicted when in the fact its not true also there notice says different dates from which they put it on my door which makes the notice incohesive.
|
| 11/16/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
It has been many months, can't remember exactly which date, I found out my credit was damaged in this spring, and realized there was {$810.00} non-payment rent ( it is the fee the landlord trying to charge for the cleaning, I had non-refundable deposit with them, so when I move out I didn't give the previous landlord my new address ).
then, I asked my attorney friend to call the debt collector company in 3-way call, we told the debt collector that we didn't even see any bill or notice, and the debt collector told my attorney that they called me one time ( I can't remember or I might took it as scam ), my attorney told them that they have to send me a " 30 days notice letter '', they said they just give a call was how they do all the time. My attorney asked them to remove this and send me the '' 30 days notice '' letter, they refused, they requested me to pay first otherwise won't remove my record.
then, I tried to dispute this with 3 Credit Bureaus many times, again and again, told them what happened, asked them to remove, but didn't work out.
|
| 07/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I found a debt collections on my credit report when I investigated the debt I found out it was for a claim from a building I used to live in from XX/XX/XXXX - XX/XX/XXXX. Upon moving into the apartment in XX/XX/XXXX I was asked to take out insurance in the event something happens in the final month of my lease. Low & behold, the pandemic happened & I was unable to pay the final month however my insurance with XXXX covered it. In XX/XX/XXXX is when I realized the collections. Apparently the creditors at National Credit system bought the debt back in XX/XX/XXXX however it was paid on XX/XX/XXXX. I disputed this debt multiple times in XX/XX/XXXX however each time the creditors validated the debt. It is a gross mishandling of this account as they did not check with the original debtor if the debt was paid and continued to not only validate it but also refute the details with me over the phone.
I sent the emails attached to National Credit Systems however they have not been communicative despite their mishandling of this debt for the last 10 months.
|
| 12/22/2016 |
Yes |
- Debt collection
- Non-federal student loan
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
I have made several attempts with National Credit Systems to resolve a matter placed in their office. Numerous times they have violated the FDCPA in regard to validation. This matter is in regard to an apartment complex I was evicted from. National Credit System 's XXXX XXXX XXXX, stated the validation letter was mailed to the address I was evicted from. I updated the address months ago. I did not receive validation but a demand letter for an account that was not XXXX XXXX but an account that was out of statue. I call to advised. They apologized but never since the validation. This over 6 months ago. According to the FDCPA and state laws National Credit System has 30 days to get that validation to. In addition, National Credit System has never attempted to negotiate the debt. They made no attempts to contact. All communication has been on my part with the exception of a voicemail message rec 'd XXXX/XXXX/2016 from XXXX XXXX while I was holding on the other line. This company has hung up on me several times. They have been argumentative and rude.
|
| 10/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
Older American |
|
I moved out from XXXX XXXX at XXXX XXXX XXXX, XXXX, Va XXXX on XX/XX/2019. On XX/XX/2019, I received a handwritten itemized note trying to get move out fees totaling {$1700.00}. I disputed with XXXX XXXX on XX/XX/2019 on their charges. I did not receive any response from XXXX XXXX instead I got a call from someone calling from ( XXXX ) XXXX who said he represented XXXX XXXX to collect {$1700.00} from me. He threatened to report to the credit bureaus if I dont pay it at that time. He also said my daughters credit file will be messed up. Of course, credit file is a big deal to a fresh graduate from XXXX XXXX. I refused to speak with him. I emailed to XXXX XXXX immediately on this. They confirmed that they had appointed National Credit Systems to collect the money from me. This company never sent me any correspondence prior to calling me on XX/XX/2019. As of today, I have not received any correspondence from National Credit Systems. I am very worried that they are going to ruin my daughters credit file since she was also on the lease. Please help.
|
| 04/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I XXXX XXXX XXXX is a victim of identity theft I contacted National credit systems on XXXX to notify them that I was a victim of identity theft & fraud and they stated I need to send in a police report and theft affidavit which I did the same day XXXX I sent a certified letter XXXX demanding them to remove the said fraudulent accounts from their records and report to the credit report agencies that the said account was fraudulent and need to be removed XXXX XXXX that was handling my account which is the employee of National credit systems stated to me she did indeed receive it and assured me she will get it took care of give me 30 days to investigate I have sent over 70 emails because nothing was done here we are XX/XX/2022 my credit report is still showing negative and the fraudulent account is still there so now Im taking legal action to suit national credit systems for reporting fraudulent inaccurate information the suit will be in affect XX/XX/2022 which they are in violation according to FTC AND THE FAIR CREDIT REPORTING ACT SECTION 605 B
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I applied to the XXXX XXXX apartment complex in XXXX, Florida in XXXX of 2022. The application fee was {$75.00}, followed by a {$300.00} administrative fee for move in. However, I did not qualify to move in, yet they have still been attempting to charge me the entire {$370.00}, as if I had even been approved to move in, in the first place.
Secondly, if the fee for the application is {$75.00}, what else could they possibly need a {$300.00} administration fee for when I did not get approved to move in. It literally does not make any sense. It is just a scam to try to charge people this amount for simply applying and then falsely reporting it is a debt or collection to be paid.
I have already filed a complaint with the local XXXX XXXX XXXX, and filed disputes with XXXX and XXXX, as well as directly to the collection agency itself. False credit reporting is illegal, if any party involved needed to be reminded. Therefore, I am asking that this false debt stop being added back on to my credit report, especially when it was already once removed.
|
| 02/16/2023 |
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
|
|
Web |
|
|
After reviewing my credit report on XXXX I identified a discrepancy with my account listed under NATIONAL CREDIT SYSTEMS and a validation request was requested as this is an account I do not recognize. I reviewed my credit report again on XX/XX/2023 and the accounts continue to reflect on my credit report as ACCURATE and I have not received any correspondence from the creditor correctly validating nor has my credit report been updated to reflect the account is disputed therefore a 2nd attempt to validate was sent. After reviewing my account on XX/XX/2023 there were still no updates and the account is still reflecting negatively on my report. I do not believe this debt belongs to me and I do not believe this creditor has authorization to access this account nor has authorization to attempt to collect on the account and this account continues to negatively affect me. Please strike and remove the account from all XXXX credit bureaus until adequate validation has been received proving that the account belongs to me and all information is correct.
|
| 11/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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My apartment lease expired and I was on a month to month rental at XXXX XXXX XXXX XXXX XXXX, FL . I was informed to give a two week notice before end of month of vacating on XX/XX/2021. I gave a formal notice on the weekend XXXX weeks before the end of the month. However, the office closed early on Saturday, XX/XX/2021. Therefore, I hand carried and delivered the written notice on Monday, XX/XX/2021 to the assistant manager and she acknowledged receipt. Three days later I received an email stating she made a mistake and required 15 days notice and requested I stay another month and pay the following months rent. I informed them my formal notice could not be changed. I gave a {$200.00} deposit and was informed {$53.00} was deducted for repairs leaving a balance of {$140.00} owed me. However, in addition they charged me {$630.00} for not giving proper notice and stating through a collection agency ( National Credit Systems , Inc. ) I owe an amount due of {$480.00}. I am disputing the notice charge and requesting my deposit balance of {$140.00}.
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| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I rented an apartment and my lease was up in XXXX I am in the XXXX and was on XXXX orders and submitted all of this in order to move out early. After doing the move-out inspection the leasing lady said I would get letter in the mail along with a copy of the inspection form. I never received it. Once the apartment starting showing on my credit report I disputed it because I was never made aware that I would be charged and wanted proof of everything. I even tried contacting the company to settle it because after 5 years of fighting it I just wanted it removed. They refused the payment. The rep gave me the info on the website of the charges I had and the letter was not sent to my forwarding address but sent back to the address of the apartment I moved out of.
Not only are they charging me for ridiculous damages but they also are charging me for 2 months of rent when I should not have been charged at all given I have them my XXXX orders.
The account has been deleted from one report because they were unable to verify the account as accurate.
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| 08/01/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XXXX XXXX I sent a certified letter to National Credit System inc for debt validation. the letter arrive to the company on XX/XX/2020. I mention in my validation letter to please provide me with competent evidence that I had any legal obligation to pay them. i mention to please reply back within 30 days with proper documentation. If the office fails to respond to my validation request within 30 days from the date of receipt, all references to the account must be deleted and completely removed from credit file and a copy of such deletion request shall be sent to me immediately XXXX XXXX XXXX a negative was still reported on my credit reports but still I never received a response to my validation letter with the requested information i asked from the company i provided a four page validation letter package for the company to complete. In the validation letter package I sent a Cease and Desist for the company to stop with harassing calls which National credit system inc finally comply to do but they never responded to my validation request.
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| 09/09/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I had no knowledge of a debt with NCS debt collector until it was on my credit report. I have disputed on several occasions that I had no knowledge because I wasnt notified by the original creditor XXXX XXXX XXXX or the collection agency. On XX/XX/2019, I learned that the original creditor has been under new ownership twice when I contacted them so any questions about a debt is the responsibility of the original owner. No information on the owner during my residency can be found or provided by the two buyers. NCS was contacted, I requested the information of whom they was collecting the debt. XXXX XXXX at ext XXXX told me she handles XXXX XXXX accounts and that she can not provide her client information. That I can dispute it with her and she will let her client know. She refused several times to give me the information which is a violation FCDPA Section 809. I suspect that they maybe also in violation of Section 812 reason being that I have never received notice of debt and the fact that they refused to provide the information requested.
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| 07/26/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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I recently obtained my credit report and it shows a collection from National Credit Systems , Inc . I was never notified of this collection and I do not believe this debt is accurate.
I am not liable for this debt with XXXX XXXX XXXX and do not have a contract with National Credit Systems. They did not provide me with the original contract as I requested.
Also, under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt. I am requesting that National Credit Systems Inc please provide me with a copy of all the following : 1 ) Documentation that shows that I agreed to pay this debt with my signature and documentation that shows I gave them permission to have my information and paperwork showing I gave them the authorization to report this to my credit report. No consent to having my information and unauthorized use of my social security number is identity theft and I am reporting them for such.
Please see attached letter for full details of my dispute with National Credit Systems , Inc .
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| 01/09/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My mother first noticed this on her account and tried to resolve it with the company in XX/XX/2022. The company told her that she needed to submit a roommate cancellation agreement. She did not have a copy as it had been over 5 years and she had moved overseas during that time. I lived there with her and moved out when she did. The roommate is responsible for these charges not my mother and I. She gave them a copy of the lease the roommates manager had signed after we moved showing we were no longer on it. The ledger they sent also shows it was paid in full the month we moved out. The management clearly knew we were gone when they made the new lease offer as we were not on it, but the collections company clearly is scamming us to pay it because they can not get the money from the people that really owe it. Collection Agency was NATIONAL CREDIT SYSTEMS INC Original Creditor Name XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
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| 06/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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The debt in question is in dispute, and according to the Fair Credit Reporting Act, National Credit Systems , Inc. has stated they reported this debt to all XXXX credit bureaus in the latest letter we received. Once more, we gave evidence to show them per their request, the issues surrounding our " special '' circumstance as to why we no longer live at the address in question. Instead of handling and actually looking into the matter, we got a " robo '' letter with changed dates from one of their many locations of their company sent to us with the same explanation as to how they do not see sufficient evidence to validate our claim. I believe we are fighting with a computer and not an actual company. I believe now I am going to have to fight back and take action, and I am beginning with you. They must comply with the Fair Credit Act and take us off the credit report. It is against the law when a consumer is disputing a debt to still report a debt. I am sure the fines they would get from the government for this would outweigh my debt tenfold.
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| 06/09/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Disputed debt via USPS certified mail with tracking number # XXXX to dispute debt. I do not owe this debt. despite me disputing it, they still reported it to credit bureas on XXXX XXXX ( got Two letters back to back from XXXX XXXX XXXX XXXX Received notification from credit bureaus this week that i have a negative account on there. Called and spoke to XXXX on XX/XX/XXXX around XXXX AM EST but she insists that she is allowed to report it. Per the FDCPA, They can not dispute a disputed debt until they satisfy all components of my dispute. My dispute included for them to Verify debt, verify company, send last billing statement, original contract and all payments made regarding that contract, and to verify that they are a licensed debt collector in michigan. Despite me saying all this, she still said that wont stop them from reporting it ( I.E threatening to report to credit an unverified debt ) Didnt care to take tracking number, sent me to supervisor who did not answer. This company is acting illegally when it comes to collecting/reporting.
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| 01/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I sent a debt Validation letter on XXXX certified mail, in which the company National Credit Systems signed for it. They later sent me a copied billing of alleged debt, they did not send me a transfer of debt contract which is required by the state on North Carolina and they also did not send me a valid active surety bond in the amount of XXXX which is required in the state of North Carolina in order to be a debt collector. Instead they sent me the same billing and completely disregarded my letter. I followed up with a 2nd letter with a response that they did not show proof to be a legal debt collector in the state of North Carolina per the requirements set forth by the state of North Carolina. I supplied them a copy of the North Carolina requirements to be a legal debt collector. They did not respond to my 2nd letter.It has been more than 45 days without any response from National Credit Systems. Instead they sent same letters they first sent to me, now to my fiancee. I am now responding with the same exact letters I sent them, for her.
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| 11/19/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I was renting an apt from XXXX XXXX XXXX. There was a discrepancy with one of my rent payments while I was out of the country. To summarize, owner attempted to get me evicted. I had to retain a lawyer, we had to sign an agreed stipulation for amount owed, vacancy date etc. Everything was done as agreed, and this paperwork was approved by XXXX County State Court. Six months later, I started receiving phone calls from a debt collection agency advising I owed over 2k in outstanding rent. I explained the situation and provided case number, but calls did not stop and I came to find out later that this inaccurate information ended on my credit report and has affected terribly. I am still vigorously fighting with the credit bureaus to get this removed. I have submitted multiple disputes through the credit bureau submitting the paperwork and they state that National Credit Systems keeps verifying account as accurate. I have worked very hard to try and maintain my credit up to par and this atrocity has caused me more stress than I ever Imagined.
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| 07/12/2023 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I am disputing this claim due to : My sister and I have moved into XXXX XXXX XX/XX/XXXX and we have moved out of XXXX XXXX XXXX at XXXX and the office closes at XXXX. We waited until the XXXX, XXXX XXXX, to check the XXXX XXXX XXXX where we lived and she came and did a walk through with us and said she would give us a rating based on our damages, the unfinished work while we lived there, and prior damages. We have waited to hear back from XXXX XXXX for three months for our deposit back and sent emails to see if everything was okay. Our deposit in total was {$850.00}. We heard back from her and we have recieved our deposit for {$320.00}. We asked her why she gave us the {$320.00} back instead of {$850.00} and she said that the damages made was worth {$520.00} and so we said okay. We have paid in full everything that we owe and I would like this collection to be deleted from my credit.
This is my official request to have the aforementioned item to be deleted off my credit report.
Enclosed may be additional evidence to support my claim.
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| 01/26/2023 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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National Credit Systems submitted a claim of {$700.00} on XX/XX/XXXX purportedly on behalf of my last landlord in XXXX, XXXX by the name of XXXX XXXX. I had rented in XXXX XXXX from XX/XX/XXXX till XX/XX/XXXX.
Paid all the utility bills and left the place pristine clear.
Instead of refunding my deposit of {$300.00} or {$400.00}, they asked me first to pay {$150.00} on XX/XX/XXXX. I refused to pay a fake charges of {$300.00} and instead requested for refund.
For last several months through XXXX I have disputed both the charges as well as the inflated demand of {$700.00}. Even if I have believe to charges - the charges was for {$300.00} not {$700.00} and demand amount in XX/XX/XXXX was for {$150.00}. ( I have emails supporting my claims ).
I was targeted for being a minority.
I have troves of emails from XXXX, XXXX when landlord demanded {$150.00}.
I had credit score close to XXXX which was accumulated over my stay in XXXX over last two decades. With fake collection amount of {$700.00} they destroyed my credit to mid XXXX 's.
|
| 11/11/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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Late XXXX I found out my former landlord ( XXXX XXXX ) sent a balance to collections to National credit Systems. XXXX did not follow MI law pursuant MCL XXXX and take me to small claims to recover " damages ''. In turn took them to court as well as counter-sued. The court ruled that I did not have to pay XXXX XXXX anything but stated they could not award me damages either. XXXX was supposed to notify the collections agency and didn't. I notified them and sent them the court judgment. They, however failed to remove the collections, which has had a negative impact on my credit since the ruling in XXXX of XXXX. Pursuant 15 U.S. Code 1681i National Credit Systems had 30 days to investigate and let me know their determination, which they did not. Ove called almost 4 times a week to reach the rep in charge of my account and sheer, XXXX XXXX, has failed to return my voicemails and emails and has not called me back. Every time I call she is conveniently on lunch or another short break. The court judgement is attached to this complaint as well
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| 10/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I became aware of this debt when attempting to apply for an apartment and was denied due to this debt because it shows bad rental history. I have disputed with XXXX numerous times ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. I sent an affidavit to the company ; National Credit Systems and have not heard back to them in regards to the account being removed from my credit. It is joint debt and I do not know the other 2 people on the account ; we do share the same last name. The creditor would not send me the apartment application or ID submitted so that I could let them know it is not my signature or ID provided. This collection is hindering my ability to get housing. I did not reside in these apartments. I do not even live in the state these apartments are located. I did go to school in XXXX XXXX from XXXX but I reside in student apartments called XXXX XXXX XXXX. Then I moved back home with my parents after XXXX in XXXX, XXXX after accepting a job as a XXXX XXXX with XXXX XXXXXXXX XXXX XXXX XXXX XXXX I worked 3 years XX/XX/XXXX - XX/XX/XXXX.
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| 07/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Servicemember |
|
I informed and moved out of the apartment of the merchant in question, XXXX XXXX XXXX XXXX XXXX, FL, on XXXX, XXXX, that I had to break my lease because my contract with my employer ended on XXXX XXXX, XXXX. The manager stated that she would drop the early termination fee and that I would only owe the 60 days notice and other fees in relation to moving out.
1. The first invoice had all the fees including the early termination fee.
2. The second invoice had the corrected amount.
3. The third attachment illustrated that I paid XXXX XXXX in full.
I have informed National Credit Systems every time they called in the final quarter of XXXX that I have paid XXXX XXXX in full and yet they persist in attempting to collect a non-existent debt. Finally, the last time they called in XXXX, I told them to quit calling me as they refuse to correct their records.
Then National Credit Systems falsely accused me of being a deadbeat to the three credit bureaus. I was able to clear the matter with XXXX on XX/XX/XXXX ; but not with the other two.
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| 02/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In XX/XX/2019, I submitted to all 3 credit bureaus to remove a collection in the amount of {$2000.00}. This collection is not mine. I do not owe this debt. I do not know who this creditor is, and after months of trying to remove through mailing out dispute letters, this continues to be on my report. On my reports that I recently ordered, it shows the name as " National Credit Systems. '' I have no knowledge of what this debt is in relation to, and am asking that it be removed because this does NOT belong to me. I was also informed by the credit bureaus that my data was breached in all 3 bureaus. XXXX I believe recently removed it about 1 to 2 months ago. However, XXXX and XXXX still have this debt on my reports. This has caused me issues in being able to acquire new credit and a suitable apartment to move into. I have been homeless for years and this debt has caused me to lose many opportunities with finding a new home, and has impacted my job search in the past as well. Please have this removed asap from all bureaus. Thank you.
|
| 11/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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My purse including my personal information was stolen 2018, authorities were contacted with incident being reported, and a fraud alert was placed on my credit profile. Recently I attempted to obtain a line of credit and realized that accounts that I have no affiliation or knowledge of have been placed on my credit profile. I requested account verification, and this will now be my second attempt to see why these accounts are being reported but are not mine and are a result of identity fraud. Reporting these accounts without my knowledge and consent are violating USC 1681. Not only are these companies furnishing accounts without my consent, but are reporting Identity theft accounts, which again are in violation with the FCRA.. ACCOUNTS LISTED ARE : 1.NATLCRSYS/ 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 this account is listed twice with balances of {$1900.00} and {$2000.00} ( not sure when accounts were opened ).
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| 07/08/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have disputed multiple times with XXXX concerning the collections account being reported on my consumer credit report from National Credit Systems INC. In lieu of the disputed information, XXXX willfully failed to conduct a reasonable investigation and their determination of the account being " accurate '' and updating unrelated information to my dispute, such as an invalidated " Account # XXXX *STATUS DATE *BALANCE DATE '' were intentional and negligent violating my FCRA right under section 609. On XX/XX/2022, I sent certified letters ( USPS ) requesting a written validation notice requesting the original contract with my signature for an account with National Credit Systems Inc. XXXX willfully failed to delete the disputed information as requested.
Furthermore, National Credit Systems Inc. violated my FCRA rights by intentionally returning the certified USPS written validation notice request with no signed contract, forfeiting the accuracy and validity that the collection being reported on my consumer credit report is valid.
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| 02/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I stayed in XXXX XXXX, XXXX, NJ, from XX/XX/XXXX - XX/XX/XXXX.
My father in XXXX had passed away in XX/XX/XXXX. Therefore, I had given 2 month ( 60 days ) vacate notice, as per my discussions with the Property Manager, and the General Manager at XXXX XXXX.
Since my father in XXXX had passed away suddenly, and in order to attend to the remaining activities, and take care of my mother, I had moved to XXXX the end of XX/XX/XXXX.
After returning back to the United States on XX/XX/XXXX, I had found to my disappointment that the XXXX XXXX XXXX, had incorrectly reported to the NATIONAL CREDIT SYSTEM, that I had not paid the rent from XX/XX/XXXX - XX/XX/XXXX, in the amount of {$6600.00}.
Immediately, I contacted both the XXXX XXXX XXXX, AND THE NATIONAL CREDIT SYSTEM, to remove this collection amount that was incorrectly reported to ALL THE CREDIT AGENCIES such as XXXX, XXXX, AND XXXX, that I did not owe. Despite several requests, and in person visits, they neglected my pleadings, and threatened me that I owe the XXXX XXXX XXXX.
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| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with an account listed under National Credit Systems and validation was requested on XX/XX/XXXX. On XX/XX/XXXX I reviewed my credit profile again as National Credit Systems had not responded despite the account reflected as disputed. Therefore a 2nd validation request for the account was sent out on XX/XX/XXXX. After this attempt the agency was also contacted via phone call, however I was informed that they did not have any outstanding balances that I was responsible for and escalated my concerns. Credit report was reviewed again on XX/XX/XXXX and the account was still reflecting on my report and I do not believe the account belongs to me nor that the creditor has authorization to legally to attempt to collect on this account and the account continues to negatively affect me. Please strike and remove the account from all 3 credit bureaus until adequate validation has been received proving that the account belongs to me and that all information is correct.
|
| 09/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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Sent in documentation to show proof of a balance I know is owed to the original creditor XXXX XXXX. National Credit System first failed to verify the debt within 30 days from the date of the original letter was issued to the XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. that was provided then National Credit System failed to verify the debt again with 15 days from the date of the original addressed to National Credit System. National Credit System keeps saying the debt has been verified ; however, after further investigation, it was determined that XXXX XXXX is no longer managed by XXXX XXXX, they are no longer in possession of my previous apartment file, and are unable to properly determine what amount is owed due to being brought out by a brand new company and hiring a new team of property management. Due to this matter the collection company National Credit System is trying to force me to pay on a debt that is falsely owed after I sent in verified documentation and is failing to do the right thing under the Fair Credit Reporting Act.
|
| 02/15/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
|
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I leased an apartment from XXXX XXXX and leased the apartment from the company for nine months while never being late and never causing any problems with the apartment. The apartment complex had a serve roach infestation issue that could not be fixed. Due to my health issues my doctor informed me i could not be around the pesticides nor the roaches due to them causing me to become very ill. I talked to the property manager several times along with send her emails complaining about the issues with the apartment causing me to become ill. She arranged a face to face meeting with her regional property manager and after me presenting the doctor information along with pics of the issues with the apartment she informed me that i would just have to indure the issues until my lease ended or pay a relenting fee to be let out my lease. I informed her that i am fully XXXX and i could not live under those conditions and so i put in a 60 day notice to vacate and asked her to use the {$500.00} deposit i paid to cover any fee 's that occurred.
|
| 07/23/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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My lease with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX - which I signed with 3 other roommates - ended in XX/XX/2019 before the lease ended. I have tried to get the collection company, National Credit Systems, and XXXX XXXX XXXX to allow me to settle my portion of the debt so that I can remove this from my credit report.
My credit report shows that I owe {$14000.00} - which is incorrect. However, since I was one of four roommates and my portion of these costs should be 1/4 of that total.
I am looking to settle this account as soon as possible as it is preventing me from getting a mortgage. I have asked XXXX XXXX XXXX and National Credit Systems to please provide a breakdown of the costs that are owed by me ( 1/4 of the total ) and any settlement offer to settle this account immediately, which would include noting on my credit report that this account has been settled and is paid and satisfied. They have refused, which is unfair since I was only responsible for one-fourth of the rent payments under the lease.
|
| 11/15/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Dear Sir/Madam, I had moved to XXXX XXXX XXXX in XX/XX/2017. From the day I moved in, I had issues. There were bedbugs and other weird bugs inside the apartment. I complained to management several times. They sent maintenance manager couple of times but he couldn't fix the issue. He said it's an old apartment complex and the bugs were coming from the pipes and A/C unit and there was nothing he could do. On XX/XX/XXXX, I got robbed. I also have police report and the report number is XXXX - Police told me that I was lucky to be alive. Next day I moved out as I was in big trauma. I had already paid the apartment complex the rent and I don't owe them any money. I told them about the robbery and I was traumatized which resulted me to live with my mom for a year until I recovered. This apartment complex is not a safe place and it is not providing a healthy condition to residents as well. My safety and life was in danger there. I owe XXXX XXXX XXXX nothing. They are misrepresenting facts and claiming an amount which I don't owe them.
|
| 05/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed a Collections account with National Credit Systems multiple times and they have yet to send any information to me validating {$1100.00} being reported on my credit report. I have not done business with a XXXX XXXX XXXX and have no clue as to what this is. I do not owe anyone from XXXX XXXX XXXX and have asked that they supply documentation proving this account belongs to me. I have been going through this since XX/XX/2018 with no resolve and need someone to step in. When I contacted the Collections agency, the representative I spoke with had very broken English and was not able to explain to me what this is and why its on my credit report. She was extremely abusive and kept saying I knew what it was and I need to pay it as though I personally owe her money. This company has horrible customer service practices and dont even attempt to help you. I just need something from them indicating this belongs to me and for what-especially since I have no clue what XXXX XXXX XXXX is and have never done business with them.
|
| 12/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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National Credit systems ( XXXX XXXX XXXX XXXX GA XXXX ) have been calling me on daily basis trying to collect rent for a lease that my daughter backed out of before the execution date. The NCS Acct # is XXXX & XXXX ACCt # XXXX They sent me initial letter in XX/XX/2018. I have communicated to them in writing using certified letters on XX/XX/XXXX, XX/XX/XXXX & XX/XX/2018 asking them to prove that I am legally obligated to pay the lease providing evidence for the following - Documentation that I disputed the XXXX XXXX Issued the lease after my daughter communicated to them that she does not plan to move into the apt .
- Documentation that they acknowledged that I disputed the lease.
- I also pointed out that any dispute regarding the validity of the lease belong in the Indiana court and not by a third party collector agency.
They are continuing to call me on daily basis saying that they rejected my evidence despite my request that they stop contacting and trying to collect based my my documented dispute with the XXXX XXXX .
|
| 12/29/2017 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
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On XX/XX/XXXX I sent a letter to National Credit System ( Account # : XXXX ), disputing the debt as they have been reporting this item on my credit, however this account was unauthorized and is a result of identity theft.
They received the letter on XX/XX/XXXX. I concluded their receipt via USPS certified mail ( Tracking # : XXXX XXXX XXXX XXXX XXXX ). It is now XX/XX/XXXX, 53 days since they have received the dispute letter and I have yet to receive a response from this company.
This is an unfair practice as they have ignored my direct communication with them. They are reporting an item that I did n't authorize on my credit and this is preventing me from moving forward with credit purchases.
Because of the nature of this item, I requested some type of proof of the original business transaction that binds me to this debt. This is well within my rights according to the Fair Credit Reporting Act. I have n't received anything, and the item is still reporting to me credit.
Please hold this company accountable immediately.
|
| 05/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my creditXXXX XXXX XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report.
1. Date Opened is listed different on multiple credit bureaus.
2. This account XXXX Has FCRA Violation.
3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.
3 different dates on each credit bureau.
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate.
5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX, XXXX and XXXX correct and remove this inaccurate info from my credit report.
6. The Balance is outrageous!! {$16000.00} for 1 months rent?? This is insane!!
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| 12/13/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have already provided photos and documents proving that I fulfilled a lease that I was taken to court for. The attorney on behalf of the company who sold the debt to the collection agency did not object to the eviction and the debt being dismissed with prejudice during the eviction hearing. Months after the hearing XXXX XXXX XXXX sent me all the documentation that I used to prove my case in court in the form of validating my debt for collection. I have tried numerous times to have this item removed from my credit report and also requested that if the company who originally reported the debt wanted to collect they should take me to court. No court action has occurred, as the previous case was dismissed with prejudice, however, the Collection agency continues to report negatively on my report.
I gave notice of intent to vacate on XX/XX/2020. I turned in the key on the last day of my lease agreement on XX/XX/2020. A walk through was denied due to COVID, however, I took photos of the entire house prior to returning the key.
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| 06/06/2023 |
Yes |
- Credit card or prepaid card
- General-purpose credit card or charge card
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- Problem with a purchase shown on your statement
- Card was charged for something you did not purchase with the card
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Web |
Servicemember |
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On XX/XX/2023, it has come to my attention that NATIONAL CREDIT SYSTEMS has included an unfavorable remark on my credit report, as indicated by XXXX XXXX. I want to assert that this account is fraudulent and was never associated with me. Upon conducting a thorough investigation, it has become evident that this account has been transferred or sold, and I bear no responsibility for this fraudulent activity. Additionally, the credit agency responsible for this collection has failed to verify its legitimacy, and no written communication, contact, or signature pertaining to this alleged debt has been provided. It is essential to recognize that a bill lacking a signature does not validate the debt, as anyone can send an invoice and falsely claim it as mine. In light of these circumstances, I must highlight that NATIONAL CREDIT SYSTEMS has violated my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). Consequently, I am requesting immediate legal action to rectify this matter by removing the account without delay.
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| 02/20/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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National Credit Systems is attempting to recover a debt of nearly {$6000.00} from me that was a result of identity theft. Someone had leased an apartment in my name in XXXX, GA and apparently walked away, resulting in an unpaid debt leading to collections. Secondly, the same individual took out an XXXX credit card in my name and purchased upwards of {$5000.00} in furniture, all in person, all within the State of Georgia. Keep in mind, I have never been to Georgia, and live/have lived in Arizona my entire life. I have filed a formal dispute with XXXX XXXX XXXX along with XXXX, XXXX and XXXX. Also, I have a police report filed with XXXX Police along with having reports with the IRS and FTC. Since these actions were taken in XXXX, XXXX and XXXX have since removed this " collections '' notice from my report as well as XXXX has approved my dispute of the credit card and has removed that from my information, as well. However, XXXX, denied my dispute and still reports this on my credit, on top of NCS still attempting to recover.
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| 09/16/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX I sent a letter to all 3 credit bureaus to verify debt of National Credit Systems on behalf of XXXX XXXX as on each report was reported differently and notified that status showed paid and no debt was owed on account. I have not received any verifiable information from either credit bureaus to advise of debt other than the collection agency have verified debt. I started paying this debt in XXXX. I reviewed my credit report in XXXX as status showed paid and stopped making payments. I did not receive any verifiable information of amounts I paid on account. I no longer received phone calls regarding debt from XXXX. I started receiving phone calls regarding debt as of XX/XX/XXXX and explained that debt was validated as paid on credit report and no debt was owed. The representative preceded to say that although it showed it was paid that debt was still owed. This company have reported inaccurate information on my behalf. The bureaus went off a previous dispute from XXXX to determine the information was correct.
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| 03/08/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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yes i have disputed these accounts multiple times and every time they keep saying its accurate when its fraud i have never did business with any of these companies and im really getting fed up with this whole thing like how can i get this removed like i want to take legal action at this point they keep saying its accurate when it would be accurate if someone is using my information so it makes so sense they said they were going to send the letter in the mail never came and now i want to sue Company 's Response In response to the correspondence we received, a letter of explanation has been sent. Following is the body of the letter. " In response to correspondence previously received under case number XXXX, our letter dated XX/XX/2020 confirmed that we are no longer reporting the above-referenced account to the credit bureaus and that we had terminated collection efforts. If our trade line should continue to reflect on your credit bureau report, we suggest that you dispute the trade information with the credit bureaus. ''
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| 05/08/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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National Credit Systems is reporting a debt that is fraudulent. The company has been provided with a police report and FTC affidavit. I have asked them to send all the proof of said debt. " debt validation " according to the FDCPA. In addition then continued to contact me and hinder my credit without providing the requested information. The original debt company has confirmed Fraud and that I was NOT the person that created the debt. However National credit Systems continues to reporting Bogus information to my credit r When they were to remove, change or validate the debt with the credit bureau .. National Credit systems added {$1.00} to the debt. These practices are unethical and should not be allowed to continue. I have all of the required Fraud documentation. In addition, I was told that I need to provided copies of my governmental IDs. The collections agencies can use anything provided to them to attempt to collect a debt whether it is valid, and or fraud.. WHY would I oblige that request as this is already FRAUD.
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| 04/04/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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I learned about this debt after being denied at an apartment complex. It was ran by XXXX and I was denied because XXXX XXXX has turned over debt to national credit. I am not sure who owns this debt. The debt is inaccurate. XXXX XXXX owes me money and refused to provide proof of the costs. XXXX XXXX simply told me this would follow me. This debt through XXXX XXXX does not appear on the traditional credit bureaus. XXXX XXXX NEVER PRODUCED A INITIAL LETTER WITH MY RIGHT TO DISPUTE. I went through the XXXX ( See attached letter as this is what I want addressed here ) and all they gave was an unresponsive and generic response. They need to remove this and send me an initial letter giving me a chance to dispute. Ive sent them emails. They dont respond. Or return phone calls or messages. The XXXX time they called me was around almost XXXX in the morning which is a violation in its own self. I want the attached letter answered. I will not stop until thats done whether through this means or a regular lawsuit or a class action.
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| 08/25/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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National Credit Systems , Inc., continues to send collections notices regarding a debt not owed. I spoke with their direct client, XXXX XXXX XXXX and I was told they would handle and remove this as a debt based on their ledger it was for carpet, etc. Because there was no debt owed. They sent a ledger for carpet replacement upon moving out of the unit and prior to moving out of the deplorable unit after I communicated many times to property management the carpet needed cleaning ; however, they never cleaned the carpet. I reached out to the direct client and the direct client representative stated I should have never received any bill for this type of service because once a guest moves out of a unit, they replace the carpet, etc.
The latest attempt was to collect from a letter dated XX/XX/2022, from National Credit Systems , Inc . The letter states a Resolution Offer of {$1100.00}. Again, I do not own or owe this debt. These business practices are beyond me to accuse a guest of XXXX XXXX XXXX of something beyond rent.
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| 08/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I have been disputing an account that does not belong to me with National Credit Systems since 2009. The account was removed from my credit with the Credit bureaus. Now, National Credit systems has placed the account that was removed 6 years later back on my credit. I have contacted National credit certified mail just like I did 6 years ago, and still no response back from them. National Credit Systems has never sent me a billing statement, a response letter, or a notice stating my right to dispute. They do not send anything. Instead, they just keep accessing my credit report without my consent. I have never opened an account with National Credit Systems, therefore, it is illegal for them to possess any of my personal information. I have never done business with National Credit Systems, therefore, it should be illegal for them to access my credit file. I did not do business with National Credit Systems, therefore, they have no right to list or continue to list this account that does not belong to me on my credit file.
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| 11/03/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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The charges on this account i am not legally responsible for. Per the original contract with the original creditor, westway garden apartments. I opted not to renew my lease when my lease ended, provided forwarding address which is still my current address for over 6 years now. XXXXXXXX XXXX never sent me a copy of the final walk thru or an invoice with a breakdown of charges or fees which were to be provided within 30 days or they were to return my deposit. Ive requested this information several times to no avail. Due to them failing to provide me with this per the terms of my lease contract i am not legally responsible for the collection. I dont have the slightest idea of what these charges are for. I finished out the entirety of my lease. I did not default on the contract, XXXX XXXX XXXX violated the terms of the contract. I know my rights and my credit has suffered for over 5 years because XXXX and XXXX wont remove it from my credit report. XXXX has actually removed it from my report but XXXX and XXXX refuse to.
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| 03/16/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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On XX/XX/2022 at XXXX EST I spoke with XXXX XXXX XXXX National Credit Systems . The collector failed to verify my identity via an address, SSN or other personally identifiable information, a potential third party disclosure violation. I mentioned to the agent that I wanted to dispute the debt and XXXX proceeded to talk over me and refused to allow me to ask any questions about the debt. He wouldn't allow me to give any reason for disputing the debt or offer any means to resolve the debt other than paying such debt that I do not owe. After promptly hanging up while I was asking how else I could resolve the debt, XXXX XXXX forwarded 4 phone calls to voicemail.
I may have updated my mailing address or email had the collector allowed me to know what address and email they had on file. Instead XXXX XXXX refused to provide me witht that information.
This company is using the threat of damaging credit as a means to force consumers to pay debts which they may not owe and refusing to communicate ways to resolve disputes.
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| 11/14/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Older American |
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I have request from National Credit System paper work on why they are trying to collect for XXXX XXXX XXXX over {$4700.00} Dolls, XXXX XXXX XXXX fail to deliver an Itemized letter of any Allege money owe to them.
When I call XXXX XXXX XXXX after i find out in my credit report of Amount allegedly owe, I was told that they did not have any paperwork to give me for the allege debt because old management was not there any more and new management had nothing to do with allege debt that National Credit System was trying to collect.
National Credit System purchase alleged debt from another company and either company was not able to produce any paper work of why they are trying to collect {$4700.00} dolls. No one deliver a letter of itemized item 's of how the alleged amount come to be, I want answers from National Credit System on why they are trying to collect and illegal debt and and illegal amount with no proof of debt owe, no paper work!. National Credit System has Also tried to intimidate me with many phone calls.
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| 06/25/2018 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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On Friday XX/XX/18, I contacted National Credit systems at XXXX, in reference to a debt that I owe to XXXX XXXX XXXX XXXX of {$150.00}. I spoke to a XXXX and I told her that I paid the debt directly to XXXX XXXX XXXX XXXXXXXX because the debt was just now showing on my credit report but it was not showing National Credit System.
To make a long story short, after I said okay bye to the rep, she called me 4 times back to back and on the 4th call, I told her not to worry about it because I was going to contact my lawyer, she proceeds to tell me " Well if you wasn't acting like a XXXX little child, I could've told you some important information ''.
The fact that the rep called me repeatedly back to back and then to tell me her opinion about me, was wrong and then on top of that, she didn't provide the Mini Miranda which by law you are required to do, she didn't verify my info not provided her info. I didn't say it was okay to call my cell and she didn't ask or provide the cell phone script, is a violation of FDCPA.
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| 03/25/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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In XXXX of XXXX, I sent in a letter to the law office of XXXX XXXX XXXX and National Credit Systems and also all 3 credit bureaus in regards to a collection from XXXX XXXX XXXX. The collection is stating that i owe {$1.00}, XXXX. XXXX XXXX is stating that I was evicted in XXXX of XX/XX/XXXXbut my lease agreement clearly states that my lease expired in XXXX of XXXX. I was no longer living at the residence in XX/XX/XXXX which is why I do not understand why I am being held responsible for rent charges between XX/XX/XXXX to XX/XX/XXXX. I have sent in numerous letters asking that the company to verify the charges and explain why the account is listed on my report. I never received a letter from National Credit Systems but I did receive a letter back from the office of XXXX XXXX XXXX. P.C. The office sent me a copy of my lease agreement. The information listed above can also be seen on the lease agreement and it shows where my lease expired on XXXX. I challenge the accuracy, compliance and reportability of this listing.
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| 03/11/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I saw a collection account on my credit report for National Credit Systems, but I did not know who they were. I contacted the credit agency and they came back with a generic response stating that it was verified, but that is impossible. I was victim of a car break in where my wallet was stollen a couple of years back, but I never noticed this item on my report. it only came up because I went to buy a new car, but was unable to because this plummeted my score. when I look at the report it says National Credit Systems and says that the original creditor is XXXX XXXX. the problem with that is that I have lived in the same home for the past 17 years with my parents and I am only XXXX. According to this creditor they have had me in collection since XX/XX/XXXX. I have lived no where else, I have received no correspondence. I also sent a letter to National Credit Systems asking for a copy of what ever agreement or document that proves my signature but there still has been not response to date and that was in XXXX or XXXX
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| 03/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2020 XXXX unsure of the exact day ), a derogatory debt was reported on my credit report. I called the lender, which was now in collection with National Credit Systems in XXXX, GA. I talked to a Ms. XXXX XXXX with the credit company. She explained that they had to investigate with the apartment company that the debt was with. She requested I send copies of two ID 's ( driver 's license and social security card ) to verify my address and identity so that they can investigate and remove the error from my report. I sent the information, but nothing happened. After talking to her several times, she finally transferred me to another person without even explaining that she was transferring me. She did this multiple times when I called her. I don't know if this is a scam or someone that is rude. The XXXX has many complaints on this credit company, but they verified that it was a legitimate company.
Company : National Credit Systems Address : XXXX. XXXX XXXX, XXXX, GA XXXX Phone : XXXX ( ext. XXXX ) Ms. XXXX XXXX
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| 08/19/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I received a letter from National Credit Sytems , Inc XXXX XXXX XXXX XXXX XXXX XXXX XXXX on behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX whom are owned XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
A settlement offer for XXXX for the balance of XXXX with XXXX account number XXXX. This debt that is attempting to be collected was already tried by the legal team for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. After breaching the agreed contract in multiple ways, I filed a motion with the court. The civil case was then dropped officially on XX/XX/XXXX.
The dispossessory and the civil case was dropped then from the original filing date of XX/XX/XXXX, if the bar can not be met in a state court to collect on the debt and such items were dismissed. Certainly attempting to now collect this debt now privately through a collections agency is at a minimum negligent and in poor practice, if not rising to the level of violating the debt collections laws, codes and rules.
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| 03/21/2018 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XX/XX/XXXX of 2017 I moved out of a condo at, due to XXXX XXXX XXXX not resolving issues of black mold in my unit and not fixing my A/C unit for 1 month and a half which conditions were not safe for me as I already have major health issues. Also found out their was a water leak in my unit that damaged condo below me. I contacted Code Enforcement, they came out fix up things a little but did not further investigate black mold issues, not having A/C made it worse. I wrote a 7 day notice letter to them explaining I am moving because they breach contract agreement. I moved out on XX/XX/2017. XXXX XXXX XXXX still did not chose to fix issues. Instead they over charged me for wall damage and blinds that was broken by XXXX XXXX company and overcharged me to paint walls and a fee to replace a tenant in unit. I found out later they have put these charges against my credit which I didn't receive any letter to dispute. Also found out This company has done many other consumers the same way and they also had similar issues.
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| 08/15/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Firstly, National Credit Systems Inc. reported a collection of {$5500.00} to my XXXX account. I totally don't know this collection, it doesn't belong me. I disputed in XXXX and called National Credit Systems Inc. for this issue. National Credit Systems Inc. asked my information including SSN and address, and said that I don't need to do anything except ignore this wrong information. But several weeks later, I received a letter from National Credit Systems Inc.. They asked me to pay this collection. I called them again and they said that the collection is not mine, and this letter send to me by mistake. However, National Credit Systems Inc. reported this collection again to XXXX, XXXX and XXXX after the call. I need to dispute again and again to delete this collection. I suspect that they defrauded my personal information and updated it to the collection. it caused me to fail in the XXXX dispute. Their behavior damaged my credit, directly causing two extra hard pull, failure to apply apartment and credit cards.
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| 09/20/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
Older American |
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I represent a protected person as court appointed guardian. The company was supplied with a guardianship order.
Under Indiana Code ( IC ) 29-3-8-5 ( b ) : Every contract, sale, or conveyance executed by a protected person is VOID. Therefore, all transactions, even if claimed to be made by a proted person are VOID. Thus, all conveyance and transactions must be retracted, redacted and sealed. That person is a protected person under IC 29-3-1-13.
Protected person 's any and all information, not limited to documents, histories entries are also protected and must be removed from any and all files, including electronic collection files. The company must not provide and release any information about this protected person to anyone except guardians, her attorneys without a Court Order. Such acts violated Indiana Guardianship-IC Title 29. Probate 29-3-5-1.
Natonal Credit Systems , Inc was repeatedly contacted ;, and they failed to provide any information and authorities that would superseds Indiana Guardianship Act.
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| 04/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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On XXXX XXXX XXXX ( via certified mail ), a letter was se nt to National Credit Systems requ esting documentation to verify the debt and prove my legal obligation to them for information they provided to the credit bureaus relating to a certain account. I asked that all of the requested documentation be furnished within thirty ( 30 ) da ys of receipt of the request, and I advised if they failed to provide any portion of the requested documentation, all references to the account would need to be immediately removed from my credit files and any further attempts to collect should cease. I never received a response from the company, and, as such, on XXXX XXXX XXXX , I sent subsequent correspondence ( via certified mail ) advising that they failed to comply with my initial request and all references to the account needed to be removed from my credit files immediately. To date, the company still has not complied with my initial request and have not removed the account from my credit files.
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| 01/10/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
Servicemember |
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In XXXX of XXXX I was contacted by a fake debt collector by the name of " XXXX XXXX '' within National Credit Systems.
As a result, a fraudulent debt of {$6500.00} was put on my credit file related to " renting an apartment '' with no link to my home address history.
I have disputed this fake collection to XXXX XXXX XXXX multiples times now on the CFPB.
The credit reporting agencies are refusing to investigate & remove the fraudulent collection saying to " please contact the creditor '', being national credit systems.
I have attempted to file a police report of this situation related to identity theft however it was not approved as this information is taking place online and not within my department " local jurisdiction ''.
I have emailed national credit systems to remove the fraudulent debt with no response since XX/XX/XXXX.
Today us XX/XX/XXXX and I do not feel Safe contacting national credit systems and need the CFPB government agency to order them to delete the collection from all platforms.
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| 08/19/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I recently verified my latest credit report and I noticed that this account is reporting fraudulently on my credit report. I have been a victim of Identity Theft, my information was stolen and used to open this account without my permission or knowledge. The account NATIONAL CREDIT SYST XXXX Opened XXXX. XXXX, 2017 with a Balance of {$3700.00} incurred due to fraudulent charges, which according to XXXX XXXX Zero Liability policy I am not liable. I DO NOT HAVE A LEGALLY BINDING CONTRACT WITH THIS COMPANY. This account is trying to collect debt, which wad also listed on my credit report. I have requested several times for verification. This company will not furnish a signed authorization [ or proof of the procedures ], they just furnish a statement, which proves nothing. I asked to validate the numerous listings on my credit file and again all I receive is statements.
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| 03/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Difficulty submitting a dispute or getting information about a dispute over the phone
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Web |
Older American |
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My former landlord XXXX XXXX XXXX, is claiming I owe a debt of {$300.00}. A charge they made up out of spite, after several disputes we had that caused them to refuse to renew my lease. I lived there for 3 years and had never committed a lease violation. We did however have many disputes while I was living there, mostly due to XXXX prejudices claims. They really abused their authority by not renewing my lease for that reason. They despised the fact that I had no problem exercising my freedom of speech. When I moved out of my apartment and left it clean and completely free of trash or clutter, in fact I even swept the floors before I left. I then receive a made-up charge of {$300.00} for trash removal simply because of their pettiness. There was no trash to remove from the apartment, yet they charged me after I was gone a trash removal fee. That again was created out of their spite and pettiness, just like every other interaction with them.
They could not and can not provide there was any trash to remove.
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| 01/31/2019 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I sent two pay-to-delete letters to National Credit Sytems to settle my debt of {$2400.00}. I sent my first pay-to-delete letter on XX/XX/XXXX, and requested a written correspondence letter of acceptance or denial of my offer. I received two letters from National Credit Systems dated XX/XX/XXXX and XXXX of XXXX stating that a settlement can only be made if I contact the office. I followed up with a pay to delete letter on XX/XX/XXXX and didn't receive a response. I also specifically stated in my second letter that I did not wish to be contacted via phone nor contact via phone. As of XX/XX/XXXX. I still have not received a letter in response to my second letter. Today, XX/XX/XXXX. I received 6 phone calls at XXXX XXXX after specifically stating no phone communication for this very reason. Not only are they disregarding my wishes not to be contacted, but they are not trying to settle my account in writing. I also notified them via email today to make them aware that their harassing tactics will be reported.
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| 06/15/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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This company is reporting an inaccurate $ XXXX account on my credit report. I have contacted this company on several occasions but they state that their law office is handling this account. I have contacted this alleged company on several occasions and have not been able to resolve this issue. I contacted the original creditor who was not able to assist me with this because the account was sold they stated however the company National Credit Systems Inc is not a company that they are familiar with however again they are the company reporting this account on my credit report. I have requested documentation specifically from this company and they have yet to provide. I want them to provide proof of ownership, chain of custody, or evidence of assignment showing that they are the owner of this debt. It is my belief that this company and alleged lawyer office have some kind of illegal contracting going on. In almost 2 years I have been bounced back and forth. I want this mess remedied and deleted immediately.
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| 08/16/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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National Credit Systems is attempting to collect a debt I do not owe. I had a lease with an apartment complex XXXX XXXX XXXX that was managed originally by XXXX originally ( management changed after I left ). This management company offers leases to students for the time of their school year ( 6 months, 9 months and 12 months ). I signed a 9 month lease with them.
The entire lease payment was made through my scholarship. I have provided the email conversations of coordination of that payment.
After my 9 months, the new management company attempted to accelerate the lease and charge me for additional months and fabricated damages and incredible cleaning charges that amounted to {$7000.00}. I have learned that such scams are common with some unscrupulous management companies to continue to suck revenue out of past tenants and provide an additional income source.
The Consumer Finance Protection Bureau needs to research this not only for me..but for all of the other students who have fallen into this trap.
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| 11/13/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/XXXX, XXXX XXXX XXXX XXXX initiated an eviction process against me for 30 days or less late in my rent. XXXX XXXX District Court, XXXX XXXX County, VA granted a judgment for {$910.00} ( the deposit I paid them was not deducted ). Within 30 or 60 days, I received a letter from a collection agency, National Credit System , Inc. Demanding {$3200.00}. I disputed the amount. I tried to find a lawyer unsuccessfully. On XX/XX/XXXX, I settled the debt for {$1500.00}, perhaps more. They send a letter indicating that I had no further obligations. I'm in the process of applying for a home improvement loan, which is denied because the judgment still shows on my credit. I called National Credit System. They indicated is their prerogative not to remove the judgment because I still have a balance. For the judgment to be removed, I have to pay in full. I'm requesting an investigation. One, can a judgment be increased? ; Two, can they refused to remove a judgment after indicating I have no further obligation?
|
| 12/14/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National Credit Systems are attempting to collect a debt by XXXX XXXX XXXX that is inaccurate. They are using a copy of an inaccurate rent ledger from the original creditor to report this collection as accurate when I have provided them with rent receipts that consist of copies of my money orders and a check from a rent relief program. Eviction was filed on me XXXX XXXX for the amount of XXXX due to an inaccuracy in the leasing office records which I attempted to resolve with the property manager XXXX XXXX and district manager XXXX XXXX with my rent receipts. The issue did go to court in which I acknowledged rent had been paid accordingly except for the month of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the attorney told the judge that they didnt want to discuss the outstanding rent but wanted me to move. In which I was ordered to move within a week. Months later this balance was reported and a copy of this inaccurate rent ledger was mailed to me from a law firm on National Credit System behalf.
|
| 08/03/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX XXXX Apartments charged my family for ( nonexistent ) damages. XXXX XXXX has no record of me or my husband living there and can not prove the damages.
XXXX XXXX Apartments never submitted a bill, email or phone call. Never contacted me or my family regarding the damages.
XXXX XXXX Apartments submitted a claim to National Credit Systems, again without contacting us.
National Credit Systems fraudulently filed the claim. By law : Within 5 DAYS of first contacting you, the debt collector must send you a letter telling you : the amount of the debt, the name of the creditor, information about what you can do if you think there has been a mistake or you dont actually owe the money. You have thirty days from receipt of this letter to dispute the debt. National Credit Systems never gave us any of the above information or allowed us to file a dispute claim.
We have been calling, asking for the correct paperwork to file with the National Credit Systems for over 8 months. No information has been provided.
|
| 08/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Been calling for about a week now.. I was trying to get National Credit System policy in write they refused to apply.. We have call about the debt we ask could we make a payment plan and XXXX XXXX said that all we have to do is make a payment and it would put us in a payment plan but to be honest the debt will be dropping off the credit in XXXX .. But we was try to still pay on it to show good faith about the account.. Well long story short we have talked to several people even the caseworker he was rude and very loud with us. Several of the worker was rude and always went back to its their policy that they dont not accept payment plan.. And when ask can you show me in your policy where this says that in a email they refused and when ask for a printout of the recording for each conversation we had with each employee about this debt the phone was hung up.. Tried call back the same thing we called like 20 times to get a response nothing and sent several email no response. So I need to know my next step..
|
| 06/29/2018 |
No |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
On XX/XX/2018 I contacted National Credit System located at XXXX XXXX XXXX XXXX, XXXX GA XXXX to advised them that had just manipulated my credit profile with all three reporting agencies XXXX, XXXX & XXXX by adding a collection debt of {$3200.00} that did not belong to me and they also changed my home address to reflect and address I have never lived at. I told them I have been a victim of Identify fraud and requested them to immediately remove this account from my credit file and send me the proof of indebtedness.
Todate I have received no response. I called XXXX XXXX XXXX again on XX/XX/18 and spoke with a Mr XXXX XXXX who advised me to would send me a fraud package to complete via email and still todate I have not received anything. This company has not responded to my correspondant, emails or phones. This does not belong to me and should be removed.
The National Credit System agency is violating Fair Credit Reporting Act. Please help me get validation and removal of the account from my report.
|
| 07/06/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Dear XXXX : Pursuant to my rights under federal debt collection laws ( FCRA ), I am requesting that the above-mentioned account be removed from my report.
This account is fraudulent because I left at the end of my contract year and did not renew the lease. Recently I called National Credit System to explain that I did not owe the amount and that they are reporting it twice. They said this was owed because there was damage to the apartment, which is not true. We left the apartment in perfect condition and totally clean. They made an offer of {$2700.00}, which I refused since I do not owe, XXXX XXXX Apartments any money.
You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the New York State Attorney Generals office. Civil and criminal claims will be pursued.
Sincerely, XXXX XXXX XXXX This account is being reported to my account and my wife 's account.
We are XXXX speakers and are working with XXXX XXXX XXXX.
|
| 06/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
National Credit Systems is reporting an erroneous debt on my credit file. This debt if a Apartment complex. I recently sent them a letter disputing the debt because i do not owe the anything, they actually ended my lease early without advising and allowed someone to move in before that lease was even finished. Now they are trying to collect a debt on " damages '' to the apartment. I was sent pictures of the apartment as verification of the debt. There is an issues with the documents sent to me. The apartment in the pictures is not mine. I dont understand why they would put that on my credit I know what I had in my apartment and that is not my place. I have tried to contact the apartments and they refuse to talk to me but this is not my apartment and i do not owe them anything.
I need this collection removed from my credit file. I will contact an attorney and file complaints with the attorney general. i will use all the resources i can to get this off of my credit file as I do not owe them anything.
|
| 09/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is a complaint against National Credit Systems, about an account that was opened without my authorization. I have disputed this account with the credit report, sending the evidence of the identity theft, including the police report and affidavit. When I tried to remove the account through the bureaus I was unable to, I am sending the complaint through the CFPB with all the evidence through fax and email that can be able to be provided. So this account can be removed because it was never authorized and it is fraud. Of course the information matches up. Someone clearly used my information without my authorization. I have provided more than sufficient evidence to get these false accounts removed. When someone is the victim of identity theft, it is simply a nightmare trying to get false information removed from a credit file. I have contacted all of the false creditors listed on my credit file. I have challenged all of the false listings on my credit file. Nothing ever happens to fix the situation.
|
| 05/18/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
this is a debt for an apartment that I signed for my son, o explained to this company. this account was a pay to delete agreement. I paid XXXX dollars to this company for this debt that I did not incurred but I signed for my son to live there so I was held liable. once I pay the debt to National credit systems I received a letter stating the account was paid, so I immediately thought the process to delete this from my account would follow. from XX/XX/XXXX until XXXX XXXX I know this account should have been adjusted. so I wrote them a good will letter and explained what was agreed upon payment and that I kept up end of the deal and they did not. I want this account deleted from my credit file all XXXX as I was paid and agreed upon. I faxed and mailed letter to this company and no response or removal of this account from my credit file. They are holding my credit file hostage with his derogatory information that was suppose to be deleted years ago. I want his account removed asap from my credit file.
|
| 03/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I lived at XXXX at XXXX from XXXX with a roommate, XXXX. XXXX stayed in the apartment after I moved out, and we both signed a roommate addendum to remove me from the lease and all responsibility for rent went to XXXX. I never heard from XXXX at XXXX or XXXX after I moved out. On XX/XX/XXXX I received a collections letter in the mail from National Credit Systems stating that I owe {$2300.00} and that I have not made any arrangement to pay it. The itemized charges online say that two months of rent are owed and that our move out date was XX/XX/XXXX. I moved out long before this and was supposed to be removed from the lease by the apartment when I signed the document in XX/XX/XXXX. I never received any other notice from the apartment or collection company before receiving this letter. I have an email between me, the apartment, and XXXX XXXX giving permission to make the addendum for us to sign, but do not have a copy of the addendum because XXXX at XXXX did not respond to my requests for a copy of it.
|
| 07/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I moved out of the XXXX at XXXX XX/XX/XXXX. I received notification from the property on XX/XX/XXXX that I owed {$14000.00} for the remaining balance of the lease from XXXX XX/XX/XXXX. I went to the leasing office XX/XX/XXXX and spoke with XXXX to discuss the letter that I received from XXXX for XXXX at XXXX and was informed by the property manager that they had released the Unit # XXXX. South Carolina law is that you can not charge a previous tenant for the remaining balance of a lease if the unit or property is released. They can only charge up to the date of the re-lease. I have been fighting this with the XXXX for XXXX at XXXX for 4 years and it has prevented me from being able to purchase a home and lease a home in my name. I am ready to take legal actions. It is being reported on my credit report by National Credit Systems for {$15000.00}. I have reached out to them as well to inform them that they are reporting an inaccurate bill and that they need to have this deleted from my credit report.
|
| 09/01/2021 |
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
|
|
Web |
|
|
National Credit Systems incorrectly placed a debt of {$980.00} on my credit report, saying that I co-signed an apartment lease with someone who I do not know anything about. I did no such thing, and do not know any XXXX XXXX. I have filed a required form with this company to dispute this, but have not heard back.
When I disputed this with XXXX, they stated that they verified this as correct. My complaint is that they did not do an adequate investigation and falsely labelled this as correct. If they can even tell me the date when this lease was signed, I could show them where I was on the day the lease was signed as I am a XXXX with documented activities everyday. They could have checked the signature too to see if this was mine, or the SSN or driving license number if this information was on the lease. However they did not do anything worthwhile and send me a one line response saying 'that the information was found to be correct '.
Repeated attempts to engage them on their website have failed.
|
| 07/30/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
XXXX is reporting on all 3 credit bureaus as a negative debt. I sent a letter to national credit systems to verify the account on XX/XX/2017 and the has not validated the account nor verified the account. I would like the following to be verified. *What the money you say I owe is for ; *Explain and show me how you calculated what you say I owe ; *Provide me with copies of any papers that show I agreed to pay what you say I owe ; *Provide a verification or copy of any judgment if applicable ; *Identify the original creditor ; *Prove the Statute of Limitations has not expired on this account ; *Show me that you are licensed to collect in my state ; and *Provide me with your license numbers and Registered Agent. If National Credit Systems offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. Thank You,
|
| 05/25/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
An item appeared on my credit report placed by National Credit Systems, a collection agency. I requested that the inaccurate information be removed from my credit reports. I requested proof of the debt and asked that they validate the debt. National Credit Systems insisted that the debt was my debt. They provided a lease agreement that did not have my signature on it. I misplaced the documents they provided as validation of this debt and had become exhausted and decided to offer and settle the debt so I could get this negative item off my credit records, but have since located it and once again advised NCS that the debt is not mine. Since locating the documentation provided as proof of debt that do not have my signature, I have also contacted the Texas State Attorney General Office, California State Attorney General Office and the Federal Trade Commission. The collection agency is unwilling to remove this negative item from my credit report, nor provide satisfactory proof of a valid debt as mine.
|
| 02/13/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Contacted XXXX XXXX XXXX for information about leasing with them and their policy on rental history with a past eviction. Filled out info on their website and picked unit I liked then they emailed me saying I needed to complete the application with them. Stated I wanted to know beforehand if they dealt with my issue so I didnt waste money on an application. The leasing agent emailed she would check with her manager and got back saying no they didnt accept past evictions. I never stepped foot on the property and never agreed to {$260.00} in exchange for her asking the manager a question knowing my situation. Debt is sent to a collection agency and I have written letters disputing amount with both companies. Online I saw a {$65.00} app fee which was advertised as free application then once submitting payment saw a {$150.00} admin fee as well from XX/XX/18. This company ran my application after knowing it would be denied and refused to refund my fee and cancel the application after emailing with me.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
XXXX at XXXX in Ga place a balance of XXXX on my credit report, despite code compliance violations. The debt was sold to National Credit Systems. I made an initial payment of XXXX and the balance never updated until I asked to speak to a supervisor. The collections agent told me that it was not XXXX ' responsibility to update my balance, but it was my responsibility to provide proof of payment. She said that she saw the payment in her system, but it never updated until XXXX on XX/XX/2022. It is my belief that their business tactics is not report updated payments and it still shows a balance of XXXX on my credit report. The supervisor XXXX came on the phone and told me " to get it together '' after I inquired why my balance had not been updated. I also why did I have to show proof of my last payment if the system took it. The business should be responsible for accurate billing information including balance on account. I have not received any documents notifying me of my right to dispute the debt.
|
| 10/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I disputed the credit card expenditure I made for XXXX XXXX XXXX run by XXXX real estate ( Property Payment Rent on the credit card statement ) in XXXX due to the promise they could not keep about the service I should have gotten. And, the company and I solved the dispute on XX/XX/2021. They refunded me {$300.00} and I had the bank release the payment of {$300.00} to them. We got even.
I have gotten a call and letter later on from National Credit Systems ( a debt collector agency ) claiming that I have a {$300.00} debt to them. I have told them that I have already paid the debt to the company and I do not owe anything.
I have also mailed them the letter I got from my bank about the resolution of the dispute and the automatic payment made to the company afterward.
I kindly request your help to resolve this matter by canceling the debt I allegedly owed to the debt collector agency and have them revise its record. I have also requested the repair it has caused to my credit score.
Thank you.
|
| 08/27/2019 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
XXXX XXXX XXXX XXXX made up a dishonest bill after moving out as we were not present upon exiting. They claim the room smelled, which it did not. made a {$260.00} charge for a XXXX cleaning, but never mailed me a bill, for me to dispute, then placed me in collections for none payment. National Credit systems in Georgia put me in collections with out verifying that a bill was ever sent, in fact the copy they sent me has there own address on it. I was never contacted, never given a chance to dispute anything. XXXX scams students not present at sign out, many kids we spoke to agree, some charges get dropped after seeing pics, Then they send Hundreds of accounts over to National credit systems whom do not verify the contact info, nor check accounts for proper procedure. And claim it does not matter, just pay it, as per XXXX XXXX, a collections rep. Told me he has thousands of these cases. They should never have marked a exceptional credit report with out contact, even thought the charge is a scam.
|
| 10/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In according with the Fair Credit .Reporting Act. The list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. Account Name : National Credit Systems, Account Number : XXXX, Account Type : Collections, has violated my rights.
15 U.S.C 1681 section 602 A. States i have the right to privacy.
15 U.S.C 1681 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
|
| 12/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
My private information was sold to National Credit Systems by the XXXX XXXX and it should not have been. I don't have any history with National Credit Systems and did not agree to have my information sent to them. Furthermore a balance should not be owed with XXXX XXXX XXXX or National Credit Systems as I went to court on the filing. I provided the judge proof of an XXXX environment after the apts failed to provide my son and I with a upgraded unit leaving us to live in a bldg that XXXX XXXX then subsequently developed XXXX, XXXX, and XXXX XXXX. The apts failed to do anything about this. I had to even result in contacting the XXXX XXXX XXXX. This information was provided to the court which the XXXX of the XXXX XXXX failed to appear which led to the XXXX to dismissed the case ( including the charges ) against me. National Credit Systems have been reporting inaccurate information to the Credit Bureaus and they should have record of my complaints with The XXXX XXXX. The balance/acct is invalid.
|
| 08/17/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I 've been given false representation of XXXX I 've made several attempts too have removed from my credit report a debt for National Credit Systems for a balance of XXXX I 've made attempts to contact XXXX XXXX and I 've been told that I could n't speak too any representative /manager because they no longer handle the debt any longer to call XXXX XXXX XXXX And associates who 's constantly told me they have n't recieved any supporting documents I 've give documents too all 3 parties and have been given the run around XXXX are no longer an existing bussines I 've spoken with Managment who states company is no longer opperating but will adjust the balance how they see fit being XXXX Now my issue is upon leaving XXXX the only balance was XXXX after deductions which was brought too court XXXX 2015 and Dismissed with XXXX balance National Credit Systems can no longer Collect in a debt for a non existing company also the matter was Dismised and documents where proving in support and ignored by XXXX.
|
| 07/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I moved out XXXX XXXX XXXX in XXXX of XXXX. Prior to moving out, I called the office back in XXXX of XXXX to make sure I was good to go and did not have any outstanding balances, they told me I was fine and could move out. They did not inform me of any balance on my account then, or anytime after I moved out.
Fast forward to XX/XX/XXXX, I see XXXX XXXX XXXX has sent a bill of {$180.00} to NATIONAL CREDIT SYSTEM, however I was NEVER notified of this. To this day, I have not received a single letter, email, or phone call from either creditor notifying me of this debt. I found out because it is now reflecting negatively on my credit.
By not notifying me of this and sending the debt directly to collections, they are in direct violation of the Fair Debt Collection Practices Act ( FDCPA ).
I have included an email from XXXX XXXX I received after a phone call with them on XX/XX/XXXX, where they admit they " mixed '' things up, meaning they did not notify me of this balance or debt previously.
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XXXX of 2016 I notified XXXX XXXX that I would be moving. The Manager at the time said I needed to give 60 days notice vs 30 days. I would have to pay rent for the last 30 days ( XXXX ). I went to move the last of my personal belonging out of the apartment on XX/XX/XXXX, the locks had already been changed. I went to the Office to pay XXXX 's rent, but the Manager told me that even if I pay XXXX 's rent she was not letting me into the apartment, because I had given a 30 day notice. I argued that I was still paying XXXX 's rent so, I should be allowed access to the apartment until the end of the month. She said no. I didn't not pay XXXX 's rent and was not allowed to recover my personal belonging that were still in the apartment. XXXX XXXX also kept my deposit of {$720.00} dollars. ( not positive this was the amount of de4posit, but I do know it was the same as the rent ) I've disputed this through the XXXX and the reply was " Completed investigation of FCRA dispute-consumer disagreed ''
|
| 11/28/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification on my credit report saying i owe national credit systems for a debt to XXXX XXXX XXXX I called about it and spoke to someone named XXXX and she said they sent out notification on XXXX XXXX that I owe {$930.00} for rent and other fees for my apartment I am on housing and my rent is paid thru them and the time the apartment was still in my name and mine until XX/XX/2018 I called and talked to the manager of XXXX XXXX XXXX her name is XXXX she looked at her ledger while I was on the phone and confirmed I owed no debt to them I filed a dispute on line with national credit systems and checked back weekly only for her to keep saying call back next week repeatedly called XXXX XXXX XXXX left messages with the secretary XXXX and voicemails asking to be called back and i never received a call I been trying to get this straight since XXXX and now I'm at risk for losing my housing because of a debt that I never had notification of and all my mail was forwarded to my new address
|
| 03/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I co-signed a one year apartment lease for my son for an apartment in XXXX XXXX, OK. The lease was from XXXX XXXX to XXXX XXXX. He renewed and signed a new lease that was not co-signed by me. He changed his mind about the renewal but was told it was too late. This resulted in him still moving out at the end of his XXXX lease which caused him to break the new lease. He is being charged {$860.00} for breaking the lease, clean up, etc.
The account was turned over to collections and also named me as a responsible party. I spoke to the collection agency informing them that I did not sign a new lease and I was not responsible. They have continued to pursue collection activity and most recently reported this on my credit reports. I have contacted XXXX XXXX XXXX law firm who reviewed the documentation and sent the collection agency a letter on my behalf. The collection agency continues to insist that I owe the debt, which I do not and they have not produced a copy of a renewal lease signed by me.
|
| 05/18/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
The previous address I lived at for 5 years is attempting to collect money for a water bill that we do not owe. As stated in each lease we signed the complex known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX was responsible for the " Wastewater or Sewage '' portion each month. I contacted their parent company XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX MN XXXX and spoke to the direct manager XXXX XXXX phone # XXXX about the situation and was told it would be taken care of, it has not. It has been turned over to a collection agency National Credit Systems Inc XXXX XXXX XXXX. This has put myself, my XXXX, s and my XXXX excellent credit history in jeopardy and has negatively affected our lives.
These actions were first initiated by National Credit Systems Inc on XX/XX/2023. I contacted the 3rd party that is used for the Water/sewage billing company known as XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX which provided usage statements and clearly we do not owe monies.
Sincere Thanks, XXXX XXXX
|
| 04/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Filed 3 separate XXXX XXXX disputes in which nothing happen. The remarks that were left were dispute solved, customer disagrees and nothing happens. A few days after the disputes I get hit with derogatory remarks. I have mailed this company information in which I was trying to validate this debt and their response was they needed more of my information to validate, which to me seemed unprofessional and sketchy. The information that was given was that of an apartment contract that had multiple pages, at least 15 pages at the minimum. I only received 3 pages in which they are trying to make their claim and the pages that were sent, still dont show I owe nor did I sign in any contract to be charged once I moved out of the property. There also wasnt a charge for leaving it me leaving anything inside the apartment on the original contract ( lease ). Below you will see that the lease was fulfilled. I was being charged for items on a list that wasnt on the contract that I signed for in the lease.
|
| 10/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I went through the eviction process at XXXX at XXXX XXXX because I didn't want to continue to live in an apartment with stair damage. I feared for my life going up and down stairs that were not sturdy. I signed a rental guarantee policy at the time of move in that would pay any rental arrears at eviction, skipping up to XXXX and any damages up to XXXX. This policy was a condition of move in and would pay regardless of how long you stayed at the complex. The policy was paid at move in and was not a recurring charge. I advised National Credit Systems of this policy and that the complex has been paid for any amount owed when they sold this account to National Credit. It is not collectible and I will also be seeking attorney representation to dispute this as well. Nothing is owed to XXXX at XXXX XXXX and they know it. National Credit Systems knows this as well and they continue to fraudulently list this uncollectible account on my credit report. I need to have this account removed immediately.
|
| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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National Credit Systems continues to re-report a debt after I have disputed it and won twice. The credit bureaus have deleted them from my credit, but this agency comes back and re reports it. They hold a debt from a Judgement. XXXX XXXX Court was unable to validate or substantiate the judgment as the file was incomplete and had inaccurate information. They have deleted this from XXXX and XXXX. If the court can not even validate this debt, certainly this collection agency can not either. So they should not be able to continue to report this on my credit and must delete it. I have asked verbally and in writing 3 times for them to send me what they have in order to validate this debt. They have yet to send me anything in the mail and when I call, they leave me on hold. At this time, while writing this, I have been waiting on hold to speak with someone fore XXXX36 mins and counting ...
Please hold the agency accountable. They are unlawfully reporting to my credit and my next step is to sue.
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| 05/30/2022 |
Yes |
- Debt collection
- Mortgage debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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According to this invoice I was charge twice for the month of XXXX and a reletting fee. The amount owed is incorrect/fraudulent and would like National Credit Systems , I to remove this collection from all three credit bureaus XXXX, XXXX, and XXXX XXXX XXXX
The amount and dates Im referring to is XX/XX/2019 for {$890.00} and XX/XX/2019 for {$890.00} plus the reletting fee {$760.00} on XX/XX/2019, also showing a balance of {$940.00} XX/XX/2019.
Under state rental law a leasing property can not charge rent twice in one month and a reletting fee.
Furthermore, the amount of {$35.00} were added for XXXX XXXX, and {$25.00} for XXXX XXXX which should have not been billed because the reletting fee of {$760.00}.
Reletting Expenses means all costs and expenses incurred by Landlord in connection with the reletting of the Premises following a default by Tenant, including, without limitation, the expenses of obtaining possession of the Premises, the costs of cleaning, renovation, and repairs.
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| 02/01/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX sold a claimed debt for renting a home to National Credit System .They sold a debt claiming l owed them $ XXXXNational Credit system put this said debt on my credit report without verification of the debt.This caused me to lose the house l was going to get because it messed up my credit.Then XXXX XXXX send me send me a letter that l didnt owe them {$4900.00} dollars l owed them {$2100.00}. Those company has messed up my credit cause me not to get the house l wanted to purchase. They were notified 60 days in advance that l was leaving the apartment by mail and on their XXXX site, In which l have no access to.They sold this said debt on myself and mother XXXX XXXX with XXXX different amounts {$3700.00} to National Credit System.Then saying l don't owe $ XXXX don't owe them any money they are confused and have mess up my credit.l had to pay my lender to take that said debt off my credit report and my mother 's. They have made me lose my dream home and l don't owe them any money.
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| 09/09/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In XXXX of XXXX, I spoke to the leasing agent of the apartments I was living in at the time about needing to move out of the city due to certain personal reasons. In XXXX and XXXX of XXXX, the owed debts were reflected on my credit report. As the statute of limitations in Texas for debt collections ( not considered mortgage debt ) is a maximum of 4 years, I have disputed said debts with the reporting credit agency. However, my disputes were resolved and resulted in the debts continuously being reported on almost 7 from the date of my first delinquent payment. I also would like to highlight section XXXX of the Texas Property Code which states that debt is owed only until a replacement tenant is found. Though I lack proof of any leasing tenants after my move out date, with the entity being located in a prime real estate market ( XXXX XXXX County - XXXX, TX ), I feel that it is more likely than not that the unit has held subsequent tenants.
Thank you for your time and help on this matter.
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| 03/30/2020 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid this debt off XXXX XXXX this company is claiming they never received the money order, Im not getting any help but I have proof I sent it out and that I paid off debt and now I cant get it removed after paying it off, I showed all my proof and I keep reaching out to ( XXXX ) the supervisor and he isnt responding back and Im not paying them again I left voicemails on his phone to speak with me he hasnt attempted to reach out to me and I cant get a home and havent been able to for 4 years due to this I reached out to XXXX and paid {$15.00} to get a copy of the already spent money order for {$480.00} and both XXXX XXXX and national credit system are claiming to have never received the money I need help removing due to I been paid off I can send in any of my proof I filled out a Forgen application to see who cashed my money order and still waiting on that but this is ridiculous there asking for more money I need some type of conclusion to this problem I dont want to give anymore money
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| 08/30/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I mailed National Credit Systems , Inc. my first communication by mail on XX/XX/XXXX. My letter requested that the debt collector provide validation of the collection account they are reporting to all three credit reporting agencies. I received a response back on XX/XX/XXXX from National Credit Systems , Inc. which included a Move Out Statement ( XX/XX/XXXX ) from XXXX XXXX, but did not validate the debt they are claiming I owe per the Fair Credit Reporting Act and Fair Debt Collection Practices Act.
NCS Account Number : XXXX Current Creditor : XXXX XXXX XXXX / XXXX Client Account Number Ending : XXXX Balance : {$4300.00} as of XX/XX/XXXX per their last I have checked with my state Attorney General and confirmed that the statute of limitations on this type of debt has expired. Therefore, if National Credit Systems , Inc. chooses to pursue this matter in court, I will be forced to show proof that the statute of limitations has expired and I may have turn the matter over to an attorney.
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| 06/26/2019 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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NATIONAL CREDIT SYSTEMS, account number XXXX, is wrongfully appearing on my XXXX, XXXX AND XXXX credit files.THEY ARE TRYING TO COLLECT A DEBT THAT I DO NOT OWE.THE DEBT IS A TOTAL FABRICATION ... ..I 'M FAMILIAR WITH THE PARTIES BUT THERE IS NO LEGAL CONTRACTUAL DEBT THAT I OWE.
THIS OUTRAGE, USING MY CREDIT RATING AS LEVERAGE, TO COLLECT A DEBT I DO NOT OWE IS THE LEGAL EQUIVALENT OF EXTORTION.IF THIS DEBT WAS ACHIEVED BY COURT ACTION, I WAS NEVER SERVED AS REQUIRED BY LAW.IF THERE WAS SERVICE OF PROCESS TO ME PERSONALLY IT IS FRAUDULENT OR FORGED.
THERE IS NO LEGAL JUSTIFICATION AND I STRONGLY SUSPECT IT IS OF A CONSPIRATORIAL NATURE BETWEEN THE OWNER OF THE ORIGINAL CREDITOR, XXXX XXXX XXXX., THE REGIONAL MANAGER AND ON-SITE MANAGER OF XXXX XXXX XXXX, XXXX XXXX , CA.
REGARDLESS, I WANT THESE REMOVED FROM MY BUREAUS AND RETAIN MY RIGHT TO PERSONALLY SUE THE FURNISHER OF CREDIT INFORMATION AND EACH REPOSITORY OF INFORMATION ( CREDIT BUREAU ) FOR FCRA PROSCRIBED STATUTORY DAMAGES.
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| 01/26/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not disclosed as an attempt to collect
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Web |
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At the apartment complex, XXXX XXXX XXXX, which I lived in at the time said email was not a written form of notice. By law, email is a form of written notice in the state of Texas. All months of rent that were included in the leading contract were paid. Payment was never behind and always on time. Returning the apartment keys in which I was living in, they informed me they never recieves notice, nor did they have the many complaints about mold in the facility I happened to be living in while XXXX. Proof remains in my hands, and after presenting them with this proof, they still denied everything. Legal action was taken and a lawyer sent a legal notice to the office. There was never a response. I, or the cosigner, never recieves any disclose that we would be sent into collections. We will take legal actions, obtain medical records of the illness I developed while living in a moldy apartment, and will provide evidence and proof of necessary, showing we were wrongfully sent to collections.
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| 12/12/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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My debt was purchased by National Credit Systems from my former apartment complex XXXX XXXX XXXX.
When I left XXXX XXXX apartment complex, I was on a month-to-month lease and had a non-refundable security deposit that was used for cleaning and minor fixes. I paid my final month 's rent and asked the property manager if there was anything else that needed to be settled before I moved out and she confirmed that I was in the clear.
I did not get any notice about this debt until a year after I had already moved out and it was not from Avenue, it was from the collections agency.
My apartment was riddled with mold for several months, the apartment management knew this and neglected to inform me- I didnt learn about it until 2 months after they knew, and I only found out because my downstairs neighbor was talking about it.
I do not owe them any amount of money and I have seen the criminal things they've continued to do to other residents since I've moved out ( it was on the local news ).
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| 07/20/2017 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I have disputed this particular debt with National Credit Systems twice in XXXX and XXXX. They continue to send the same letters ( word by word ) and fail not to respond to any of the questions I included in my dispute and is stating this account is paid in full but is negatively impacting my credit report. First and foremost, I do not recognize this debt AT ALL and not aware as to why they are collecting. In both of my dispute letters, I have asked for the following : *The original application or contraction *Any and all statements allegedly related to this debt They have FAILED to provide any of the documentations in both dispute letters. This collection is inaccurate and is a MAJOR VIOLATION of the FCRS and FDCPA. I have asked for this debt to be deleted due to non-sufficient proof, but it is still negatively impacting my credit score and not able to provide a better life for my family. Please investigate this and I demand for this information to be deleted as quickly as possible.
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| 07/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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I settled the debt under the pretenses it would be rightfully removed from my credit report. I paid the settlement amount within a MONTH of it hitting my report, as agreed upon it was to be removed. Yet at this present time it is still reporting to all XXXX bureaus ( XXXX , XXXX & XXXX . This is in complete breach of what was agreed upon nearly 4 years ago. The conditions were as followed : I am willing to pay the SETTLED amount in FULL : Your company will delete all references to this account from my credit profile at the XXXX credit bureaus ( XXXX , XXXX , and XXXX ) : You will not list this debt as a " settled account : Your company will accept this payment to satisfy the debt in full. NONE OF THESE CONDITIONS WERE MET, accept you withdrawing my funds. I will continue to take action until retribution is made. I fulfilled my requirements per our agreement and you continue to cause substantial delays in my progression. The report needs to be deleted immediately.
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| 05/03/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This debt was reported to the credit bureaus. I 've attempted to resolve with the original creditor or credit agency. I 've kept close documentation and records of my communication and attempts to resolve the issue. I also filed a police report due to identy theft and some proven fraud accounts. The creditors, bureau agencies. Have stated the accounts were verified but have failed to send me and proof of validation, no proof of original signature showing my contractual obligations to the debt or accounts. The refuse to send me validation or any information regarding the accounts. The violated the law by not reporting the accounts disputed on my credit reports within the 30 day time frame. Also the information listed is either inaccurate, unverifiable, fraudulent or unfair. They did n't follow metro 2 compliance when reporting the accounts. Some Numbers and addresses are invorrect or incomplete. I want to be held accountable for accounts that are actually mine and correctly reporting.
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| 06/25/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I lived from XXXX till XXXX in the apartment complex XXXX XXXX, XXXX, TX. This apartment complex was bought at the end of XXXX by XXXX XXXX XXXX. Upon leaving the apartment during XXXX XXXX I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of {$180.00}. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the XXXX notice i got from a debt that I do not know why I am being charged came from my credit report. This is causing a great harm to my credit history, and I have n't been able to get a mortgage because of it. I requested 25 days ago a debt validation notice and proof that they attempted to collect the debt before reporting it to the credit bureaus. I 've got nothing. I feel frustrated and unprotected from this company.
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| 09/13/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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NATIONAL CREDIT SYSTEM and XXXX XXXX is in violation of privacy act 1974, I didnt give NATIONAL CREDIT SYSTEM or XXXX XXXX Consent to report my personal information I also dont remember doing any business with this company, do to NATIONAL CREDIT SYSTEM and XXXX XXXX violating my privacy rights, I have been Suffering emotional damage when it comes to purchasing a home for my children not only that I am suffering but my kids as well, this is call pain and suffering, I have been humiliated. I will like to opt out of this charge off, 15 U.S.C 6802-15 U.S.Code 6804 Obligations with respect to disclosures of personal information. Do to sending my information to a nonaffiliated third party such as XXXX, XXXX and XXXX other fraud has been committed under my name. Please show me where I gave XXXX XXXX the consent to share my personal information to these institutions.
15 U.S.C 6501-15 U.S.C 6505.
433.2 Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices.
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| 11/23/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
Servicemember |
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None of the options offered pertain to my situation, but I received a notice from National Credit Systems about a debt that was incorrect. A storage company, XXXX XXXX, claimed that I did not give them 30 days notice before vacating and demanded a payment for an additional month. I, in fact, gave them 60 days notice and I had an email and letter to prove it. I contacted NCS within two days of receiving the letter. Despite that fact, they would not return my phone calls and they would not confirm receipt of documents that I sent them showing proof that I had given notification of canceling the storage unit 60 days in advance. When I tried to talk to a manager, the manager cursed at me then hung up on me. They have not investigated the debt and despite me having submitted a dispute for the debt, they have reported the debt to the credit agencies and it is showing up on my credit report. They refuse to return my calls or acknowledge receipt of documents proving I do not owe the debt.
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| 05/23/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I filed a dispute with XXXX and NATIONAL CREDIT SYSTEMS , INC, both companies are reporting a debt that doesn't belong to me, NATIONAL CREDIT SYSTEMS , INC sent over documentation showing a signature that isn't my signature just shows my name eletronically, I need real verification of debt showing that the debt belongs to me with my actual signature, my husband was incarcerated at the time of " lease agreement '' the signature doesn't match his signature nor does it match my signature, this account has been removed from my husbands credit report, I am giving XXXX and NATIONAL CREDIT SYSTEMS , INC 14 days to remove this from my credit report or I intent to file a suit.
I need need to know what method was used to validate this debt from XXXX and NATIONAL CREDIT SYSTEMS , INC .
I uploaded the application showing that both signatures on the applcation are the same, so whoever signed this lease it was signed by only one party and the other signature forged, which constitutes fraud
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| 05/06/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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in 2011 XXXX located at XXXX XXXX XXXX XXXX XXXX, OH XXXX charged me {$3900.00} for an apartments i co-signed with my ex wife. First, They refused to show my wife the apartment before signing the lease. After signing the lease the actual apartment was filthy, muddy and had sign of roaches. My ex-wife asked to cancel and they refused. They stated they would charge us XXXX months of rent regardless they rent the place the next day. They did surprisingly. It 's been reported on my credit with National Credit System, a collection company. When i contacted the manager for XXXX XXXX they refused to talk and stated i would have to talk to the collection agency. This is a violation of my rights as a peaceful citizen and a tax payer. This is a fraud since they key was never handed to us and we never had to move either since they refused to show us another apartment or even cancel the lease which they promised to do if we did not like the apartment. This place is a total bluff and a scam.
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| 05/08/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
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National Credit Systems was contracted by XXXX XXXX XXXX to collect a debts which is based on a civil judgement meted out XXXX XXXX Municipal Court in XXXX, Pennsylvania. I was ordered by Judge XXXX to pay a specific amount to XXXX XXXX XXXX, an amount which I have since paid to XXXX XXXX. National Credit Systems has insisted that I pay an amount to XXXX XXXX which is more than the court order administered by judge XXXX. I have sent documentation in addition to the copy of the court order to both National Credit Systems and XXXX. Both respective companies have chose to ignore the court document which is proof positive of the correct amount that is owed to XXXX XXXX. XXXX XXXX has purposely decided to report an incorrect that is owed to circumvent the civil judgment administered by Judge XXXX as a method to navigate around the law which disallows civil judgments from being reported to the major credit bureaus in the absence of particular vital information on the civil judgment.
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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The account is not mine and i never stayed at the apartments. I told them that they have commited Aggravated Identity Theft pursuant to 18 U.S.C. 1028A.
also this agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Therefore, the following accounts must be deleted from my report.
Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]
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| 03/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
Account Number : # XXXX, Account name : XXXX NATIONAL CREDIT, has violated my rights.
15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.
15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
|
| 08/04/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
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|
Web |
Servicemember |
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I signed an apartment lease with my parents from XX/XX/XXXX until XX/XX/XXXX. My parents passed away in XXXX on XX/XX/XXXX and XXXX. I moved out on the last day of the lease. XXXX XXXX XXXX said I didn't owe money. However a collection debt in all joint names was sent to Nat'l Credit Systems acct no XXXX in XX/XX/XXXX for {$5000.00} from XXXX XXXX to reporting agency. I called them sent in the lease and death certificates for my parents. A property I applied at denied me residency due to this report. I disputed it through 3 bureau 's. The XXXX XXXX property I applied at denied my application before the dispute was announced. Which is still pending. I wasted {$100.00} app fee and a lot of time and was treated poorly for a clerical error. XXXX XXXX XXXX even went as far to not give me the application refund and told me even though my parents died and we were all clearly out the XXXX XXXX by XX/XX/XXXX that I also absorbed their debt portion. Now I'm living in a hotel. Hopeless.
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| 02/06/2020 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I was notified by mail on XX/XX/2019 that an apartment complex had turned over a debt they claimed I owed to a collection agency ( National Credit Systems Inc, XXXX GA ). I sent a letter ( per the Federal Fair Debt Collection Practices Act ) to the collection agency on XX/XX/2019 disputing the debt and asking for more information because I do NOT owe the apartment complex any money. I do not know why they sent me to a collection agency. I asked for more information and never received it from the collection agency. I called the collection agency on XX/XX/XXXX and they stated they were doing an investigation.
I have not received any communication from the collection agency in writing since I have asked for proof of the debt. However, the collection agency has reported this on my credit report and I was given a higher rate on auto insurance because of the " so-called '' collection item on my report.
After that happened I decided to learn how to report this unscrupulous agency.
|
| 07/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I was contacted in late XX/XX/XXXX regarding an amount owed to XXXX XXXX XXXX. It was explained to the collection agency that I was never on a lease or signed a lease at the complex. I had applied and was turned down. National credit systems Inc, XXXX XXXX XXXX XXXX, XXXX Ga XXXX has placed {$1700.00} on all three of my credit reports. Information has been submitted showing that I was not affiliated with a lease at the said complex. The information has been disputed and it comes back " verified ''. The most recent dispute filed in XX/XX/XXXX came back as also " verified ''. I spoke with Mr. XXXX at the collection agency. A copy of the lease which does not include my name as the responsible part was sent in. Mr. XXXX stated that I was the guarantor. How can I be the guarantor of a lease if I was denied? I have requested for documentation that proves or states that I am the guarantor. Nothing has been provide and it has been almost a month since the information was requested.
|
| 08/27/2022 |
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
|
|
Web |
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On XX/XX/22 I contacted national credit systems regarding the two trade lines reporting negatively on my consumer report. They advised me that my file was with XXXX XXXXXXXX XXXX XXXXXXXX. The law firm confirmed that I only have one debt but they were not going to remove the second account until the first Alleged debt was paid. I sent this Exact letter to National Credit Systems, XXXX, XXXX, and XXXX. XXXX removed both trade lines and XXXX and XXXX just removed one. My complaint is directed towards National Credit Systems due to them verifying the debt with the credit reporting agencies but sending me a letter saying their Unable to locate my account.
This ONE company is in violation of the following : FDCPA 15 USC 1692g FDCPA 15 USC 1692e FDCPA 15 USC 1692f FDCPA 15 USC 1692k And furthermore NCSs actions are putting XXXX and XXXX at risk due to these credit reporting agencies violating the following : FCRA Section 623 ( a ) ( 3 ) FCRA Section 623 ( a ) ( 1 ) ( a ) ( b )
|
| 04/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
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I lived in XXXX XXXX from XXXX to XXXX, during that time period COVID-19 happened, I was unable to pay rent due to job loss and only having XXXX for my son as income, I had a phone conversation with the property manager XXXX, XXXX was stated that if I agreed to move out by XXXX, that no action would be brought against me for this account. I wasnt aware of the collection until it was on my credit report for {$10000.00}. I have disputed across all three reporting agencies. I moved into my new apartment on XXXX and have been here since at XXXX XXXX It was reported to National Credit Systems and Ive never received contact from them about this debt or that I could dispute. I will upload pictures of my lease starting on XXXX and pictures of the falling ceiling that was never fixed inside the apartment that me and my XXXX young children occupied. I also never received a eviction notice or any type of notice from this apartment prior to the debt showing up on my credit accounts.
|
| 10/27/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
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After viewing a copy of my report, I noticed a collection account placed on my credit report from National Credit System on XXXX XXXX in the amount of {$1500.00}. First and foremost, I have confirmed that the debt collector, National Credit System, is not licensed in the state of Louisiana to collect on this debt. Secondly, National Credit System violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to National Credit System? I have never heard of them, have no written contract with them and have never received any benefits from them, yet National Credit System has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.
|
| 01/21/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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The collection agency NATIONAL CREDIT SYSTEMS placed a debt that is not mine without my knowledge on my credit report back in XX/XX/2019. I requested proof of this debt to be verified from this collection agency and all 3 credit bureau agencies but no compliance which has decreased my fico score and prevents me from getting a new apartment. They have not followed the law after making 3 attempts to contact. I provided proof that I owe no money. Original creditor is XXXX XXXX XXXX AT XXXX XXXX who I also contacted but they would not resolve. I applied for an apartment with them but was declined and their paperwork stated I would be refunded {$150.00} deposits but I wasn't. Two months latest collection company NATIONAL CREDIT SYSTEMS sends me a notice saying I owe {$270.00} to XXXX XXXX XXXX when the amount to apply which I paid was {$200.00}. So they are trying to commit fraud by not only not refunding my money, but also trying to get more money then destroying my credit.
|
| 05/15/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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National Credit Systems states that I owe XXXX XXXX XXXX XXXX I have never signed a lease for the XXXX XXXX XXXX XXXX property address. I have asked for this item to be taken over my credit report for over a year, but it is still there. I asked for verification of the debt, which would be a copy of the lease with my signature, but I am still waiting to receive it as of today. I asked for it to be emailed, but they said they couldn't ; I asked for it to be faxed, and they said it couldn't be faxed, so they mailed it on XX/XX/2023. They send me a payment history that doesn't have my name on it, and they tried to say since I made a payment on it I am responsible for it. I have never heard of this. Even with looking through the history, there is nothing that shows my name. I want this removed off of my credit ASAP because I am not responsible for this debt. I don't know if it is the collection agency or the original creditor or both that is causing this issue to my credit
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| 01/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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XX/XX/XXXX, I paid {$89.00} to XXXX XXXXXXXX XXXX per XXXX XXXX for prorated rent due to move out. XXXX XXXX was provided notice that I was moving from the premises on XX/XX/XXXX. XXXX XXXX submitted a document to National Credit Systems claiming that I owe for a prorated amount of {$45.00} and an additional {$370.00} for XXXX rent. They had taken my security deposit of {$280.00} and added a 2 % interest rate from XX/XX/XXXX - XX/XX/XXXX of {$22.00}. Which results in a {$100.00} account balance. At no point is the {$89.00} taken into consideration, much less the fact that I moved out on XX/XX/XXXX, not XX/XX/XXXX. Furthermore, the ledger is not signed by XXXX XXXX, the XXXX responsible for submitting the debt and the rent amount listed is incorrect. I reached out to XXXX XXXX Systems and requested they validate the debt. They claimed they would validate it, but never got back with me in those regards. Attached will be the documents to support my claim for the dispute.
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| 01/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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I emailed the National Credit Systems at the email given on the website XXXX on XX/XX/XXXX and they have not responded.
I am emailing you about this complaint XX/XX/XXXX I'm assuming they are collecting a debt from an apartment complex I use to live at and they did not notify me they were trying to charge me for the cleaning services.
I went to the website XXXX XXXX XXXX And I put in the amount owed ( {$600.00} ) and my social security number and nothing showed up. Clearly on my XXXX Credit Report it shows a balance owed of {$600.00} from " XXXX XXXX XXXX '' which is the company that hired National Credit services to charge me for the debt.
On the website link XXXX XXXX XXXX It clearly states on the website " To obtain account information and/or make an online payment, you must login by entering any two of the three fields below. '' But that is a lie.
I can't call them during business hours because I'm always working and I can't have my cell phone at my job.
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| 09/13/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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This is an Apartment lease, not a Mortgage, but mortgage was similar to Apartment in the option box.
This third party keep calling me about an alleged debt I have with them. I wrote them requesting the following documentation, so that I may settle any financial obligation I might lawfully owe : Validation of the alleged debt ( the actual accounting ) ; 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 ) ; & A copy of the contract signed by both parties and therefore binding both parties.
They threatening to impugn my reputation by publishing derogatory Information about them on my credit report and now my credit is ruined.
I was misinformed according to Contract Law & there was no Valuable Consideration given by all parties.
P.s. this constitutes wire fraud, because they claim I owe a delinquent payment. I was contacted via telephone, by them requesting a payment.
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| 12/08/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I recently reviewed my XXXX, XXXX, and XXXX credit reports and noticed a collections entry from this company. This is inaccurate, as I do not have a contract with this company.
In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that " one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. '' Thus, when an original creditor sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
I wrote the company requesting validation, but the creditor 's attempt of validation is not valid. This company sent me a copy of a lease, but the company 's name was nowhere on the original contract.
With NO VALID CONTRACT, this company has no right to place any information on my credit reports.
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| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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After pulling all 3 of my credit reports, I 've notice a collection debt from National Credit Systems INC after my own research for an apartment complex that do not exist said XXXX XXXX is called XXXX XXXX XXXX pertaining an invalid account number and amount that is not mine, I do not have a contract with them and do not owe this company. This falls under inaccurate/false reporting and must be DELETED FROM ALL 3 CREDIT BUREAU 'S IMMEDIATELY and due to law passed effective XXXX XXXX, 2017 no judgments are to be reported on neither 3 credit bureau 's. This is illegal again I do not owe this debt that the National Credit Systems has reported and it is not mine. I request that NATIONAL CREDIT SYSTEMS INC IMMEDIATELY FROM ALL 3 CREDIT BUREAU 'S WHICH IS XXXX, XXXX AND XXXX. I 'M APPAULED THAT COLLECTION AGENCY CAN REPORT ANYTHING/AMOUNT ON YOUR CREDIT AND RESPOND TO THE CREDIT BUREAU 'S AFTER DISPUTE THAT IT IS ACCUARTE IMFORMATION, OWED INACCURACY MUST BE DELETED BY LAW!
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| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.
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| 03/22/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I RECEIVED MY ANNUAL REPORT AND I AM EXTREMELY UPSET DUE TO IDENTITY THEFT THERE ARE A NUMBER OF THINGS REPORTING INCORRECTLY ON MY CREDIT REPORT. XXXX COLLECTIONS OPENED XXXX {$250.00} XXXX XXXX XXXX OPENED XXXX {$830.00}. INCORRECT S THESE ACCOUNTS WERE NOT MADE BY ME. PLEASE HAVE THEM REMOVED. THESE ADDRESSES ARE ALSO INCORRECT Addresses : XXXX XXXX XXXX XXXX # XXXX XXXX XXXX AL, XXXX XXXX Address ID # XXXX Apartment complex XXXX XXXX XXXX XXXX XXXX XXXX CA , XXXX Address ID # XXXX Multifamily XXXX XXXXXXXX XXXX XXXX PA, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID XXXX XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX MA, XXXX XXXX Address ID # XXXX Single family XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Address ID # XXXX Single family
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| 04/19/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Contacted National Credit Systems on XX/XX/XXXX for verification of debt. They did not send photo or video evidence of damages to former residence, Only included a handwritten note. Company included false charges in debt and are attempting to collect which is an illegal business practice.
Have disputed the charge multiple times for inaccurate balance/past due information and company refuses to correct the false charges. Disputed this false debt collection with XXXX credit bureau on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.
I have spoken with the National credit systems and disputed these false charges many times. They have refused to remove inaccurate information. I contacted national credit systems to dispute these false charges on these dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. Currently they have still refused to remove the inaccurate information from my credit report.
|
| 07/22/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I reached out to the company National Credit Sytems concerning an account for {$150.00}, along with the bureaus to address this issue. Although I have furnished proof with a police report, received no validation of the debt by the original creditor or the bureaus. I have received no traction on a debt that does not belong to me. I have provided proof on my end and the companies are not being held responsible for truly validating this debt. I filed with identitytheft.gov # XXXX along with CFPB # XXXX.
I am a victim but am being punished. According to FCRA 623 prohibits information furnishers from providing information that they know or have reasonable cause to believe is inaccurate In accordance with the Fair credit reporting act National Credit Systems has violated my rights 15 U.S.C 1681 section 602 A states I have the right to privacy 15 U.S.C Section 604 A section 2 also states a consumer reporting agency can not furnish a account without my written instructions
|
| 05/15/2017 |
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
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|
Web |
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Beginning early XXXX we worked with a company called XXXX XXXX XXXX to assist us in getting my credit in shape. They did a fantastic job and my credit score went up dramatically. One issue we were una ble to resolve was false reporting from XXXX XXXX XXXX on behalf of The XXXX Apartments in XXXX Tx. We 've sent multiple request to address a {$6900.00} balance that is absolutely fabricated. The first letter was sent in XXXX XXXX XXXX The second request for an itemized account of their reporting was XXXX XXXX . The third request was sent XXXX XXXX XXXX . After XXXX attempts with no response, I am certain the delay is due to the inability to account for the charges. No response and no removal is unacceptable ... ... ..Please help! National Credit Systems - XXXX XXXX XXXX . XXXX XXXX XXXX Phone ( XXXX ) XXXX Partial account number : XXXX Address Identification number : XXXX Original Creditor : THE XXXX
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| 02/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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During later XXXX of XXXX, I viewed my credit report to see what I could do to improve my score. I saw an account in collections for National Credit Systems and searched for contact information, as I was unaware of this account being in collections. National Credit Systems state that the account is from XXXX, but have made no efforts in contacting me ( phone call, email, mail, etc. ) to inform me of the debt. When I spoke to the company in XXXX, they refused to send me any debt verification as well as offer as form of options for dispute/mitigation. I called the company again today XX/XX/XXXX and received the same answer : they do not provide any documentation regarding the debt. The company informed me that they offered me a settlement of the debt, but they have not contacted me about it. I had no idea an account was reported and that there has been a settlement offer. They've had my phone number and address on file yet I have been denied verification of the debt.
|
| 12/27/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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A debt in the amount of XXXX from National Credit Systems is being reported on my credit report. I have requested validation of the debt. The company replied by sending a contract beginning XX/XX/XXXX and expiringXX/XX/XXXX and an account statement stating that my lease expired XX/XX/XXXX. The statement also says that the move out date was XX/XX/XXXX which is incorrect. National Credit System failed to send a lease renewal, a current contract saying that i occupied the complex during the time the charges were put on the account, and transaction history. I have let them know that they are reporting inaccurate information and that there was no contract with the company. I received an automatic message stating that the information is accurate and that it will stay on my report. As you can see the dates do not match up and there was never a renewal of the lease. The complex also received a 30 day written notice. Without the lease RENEWAL, the debt can not be validated.
|
| 11/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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Creditor : National Credit Systems XXXX XXXX XXXX XXXX XXXX GA, XXXX PH : XXXX DATE XX/X/2011 Account under the last name XXXX This account DEBT is not mine and was created through identity theft. I have been disputing this DEBT for years with the credit bureau 's and the creditor. The creditor has never responded to any of my certified letters that I have sent them. XXXX responds every time that the DEBT was verified but no proof provided so I can turn the info over to the FBI.I filed a complaint against this creditor with the Better Business Bureau in XXXX but they have not did anything. XXXX continues to ignore my disputes and refuse to delete the fraudulent account. When the Idenity theft occurred I met with the FIB and reported this case and the credit bureau 's were notified at that time. However XXXX stated they ca n't find the Idenity Theft documents in their file. I want this DEBT removed immediately and National Credit Systems be held liable for damages.
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| 01/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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This is a follow-up from a previous complaint ( XXXX ) that was closed, but not resolved. National Credit Systems continues to falsely report on my credit file for XXXX and XXXX. The last response from this company was that they would forward me valid documentation as proof of an alleged debt truly owed to them. I have yet to receive such documentation. Either 1 ) they never sent it or 2 ) They sent documentation to another party and they are reporting the debt under the wrong person.
I would like to ensure you have and ONLY RETAIN current, TRUE, CORRECT, COMPLETE, and MANDATED REPORTED information per FCRA regulations, any and all others I DEMAND, as is my lawful RIGHT ( s ) to do so, that you annul and all deficient of any condition, mentioned or not! I DO NOT AUTHORIZE you to mis-report any mis-information now or ever, please review and ENSURE your adequate and full accordance to the laws upon which govern your practice of reporting consumer credit profiles.
|
| 05/24/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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On XXXX XXXX ,2017 I was offered a settlement to pay off a collection in the amount XXXX and they would remove this from collection and report it as paid in full. It 's now XXXX XXXX ,2017 so I contacted the credit bureaus and I was told that the company was still reporting it as a collection. I spoke with XXXX XXXX extension # XXXX where she blatantly lied to me telling me they have reported to the bureaus on several time s XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX , XX/XX/XXXX and XX/XX/XXXX of 2017 as being paid in full.Once speaking to the bureaus I was told this was incorrect and they are still reporting as unpaid. I called back to speak with the company and was told that since I agreed to a settlement that it 's never gon na say paid after they offered me the settlement stating that it would be updated as paid in full. They are giving out false information and once I called back with these allegations they were very rude and unprofessional
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Dear, National Credit Systems This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe.
I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt.
I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor.
I am attaching proof of my identity and a copy of my credit report for your reference. Please contact me within 30 days of receiving this letter to confirm that you have deleted this account.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
|
| 03/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
Dear, National Credit Systems This letter is to dispute an inaccurate account that XXXX XXXX has reported to your agency. The account in question includes a debt that I do not owe.
I demand that you investigate this account and delete it as it is in violation of the Fair Debt Collection Practices Act ( FDCPA ). The FDCPA is a consumer protection law that prohibits debt collectors from using false, deceptive, or misleading representations when collecting a debt.
I am requesting that you delete this account from my credit report and provide me with a letter stating the account has been deleted. In addition, I am requesting that you provide me with the name and address of the original creditor.
I am attaching proof of my identity and a copy of my credit report for your reference. Please contact me within 30 days of receiving this letter to confirm that you have deleted this account.
Thank you for your prompt attention to this matter.
Sincerely, XXXX XXXX
|
| 10/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
National Credit Systems has NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.
I was sent an itemized breakdown of charges owed to an apartment complex, but no consumer contract with my signature on it. THOSE CHARGES HAVE BEEN PAID TO THE COMPLEX!
And furthermore, were there any charges remaining after the fact, I owe NOTHING to National Credit Systems. My lease contract contained an Arbitration Clause, that the complex is in breach of by sending this account to collections.
|
| 03/15/2022 |
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
- Investigation took more than 30 days
|
|
Web |
Servicemember |
|
Step 1 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX. Company Responded XX/XX/XXXX not being able to validate debt or records and proceed not to remove the reporting collection off my credit.
Step 2 : Sent off letter 2 dispute letter. National Credit Systems responds in 30 days :. Letter was sent off and delivered certified mail XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. No response.
Step 3 : Sent off dispute letter. National Credit Systems respond in 30 days. Letter was sent off and delivered certified mail XX/XX/XXXX XXXXXXXX XXXX DELIVERED LEFT WITH INDIVIDUAL, XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX XXXX. Company Responded XXXX XXXX still not being able to validate debt or records and proceed not to remove the reporting collection off my credit.
|
| 09/17/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National Credit Systems , Inc. based in XXXX, GA, Tel : ( ( XXXX ) XXXX fraudulently misrepresented and collected money for a non collectable debt. They also did not apply the full amount of funds I paid for a legitimate, collectible debt to my account with them, which was posted on Wednesday, XX/XX/2022. I contacted the Supervisor, XXXX XXXX, on Wednesday, XX/XX/2022, regarding the discrepancy with the actual payment that was made vs payment posted, and account closed letter, he said it would take 10 days after receiving my payment for them to apply the Correct payment amount to my account and generate an closure letter. However, XXXX XXXX XXXX, my account manager, stated in a previous phone conversation on Tuesday, XX/XX/2022, that once my payment was posted to my account, I would receive account closure letter immediately. They have been playing this Intentional, back and forth game with me for over a week putting me in a precarious position financially.
|
| 03/03/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
-That was on or about XXXX/XXXX/XXXX, I sent a debt validation to National Credit Systems , Inc XXXX '' NCS '', in response to its letter dated XXXX XXXX, XXXX to dispute the alleged account, which is not mine. I gave NCS sixty ( 60 ) day right to cure my notice.
- NCS sent me a corespondent letter dated XXXX/XXXX/XXXX, stating that they have yet to find sufficient evidence to validate my claim.
XX/XX/XXXX I sent a letter demanding NCS to delete this negative trade line from my credit reports due to its violation of the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), as well as the Texas Finance Code Chapter 392.Debt Collection ( TFC 392 ) before i can take further legal action regarding this matter.
- 60 days had passed and I continuously received corespondent letters dated XXXX/XXXX/XXXX and XXXX/XXXX/XXXX from NCS still states that they have yet to find sufficient evidence to validate my claim.
( See attached files )
|
| 07/01/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Older American, Servicemember |
|
First contact from " collection agency '' Natrional Credit Systems, XXXX XXXXXXXX, XXXX XXXX XXXX was a letter dated XX/XX/XXXX.
Letter stated they were collecting a debt for " The XXXX Apartments '' I did at one time live in The XXXX Apts., however I moved out on XXXX XX/XX/XXXX, having paid rent through XX/XX/XXXX.
Until I received the letter from National Credi there had been no contact made with me concerning any " debt ''.
National Credit claims they are attempting to collect a debt in the amount of {$1800.00}. No explanation gives as to what the debt concerns??
Also, National Credit has already reported the debt to all three Credit Bureaus, without any previous contact with me to resolve the situation.
I have also filed a complaint with the XXXX Atty. General regarding this " case ''.
I have researched XXXX Credit Protection Laws and can find NO documentation that National Credit has filed a Surety Bond allowing them to do business in XXXX ...
|
| 08/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This collection company which I have " NO Contract '' with is in violation of the FCRA. National Credit Systems , Inc have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.
Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.
I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists.
If you can not provide any agreement between us from this day XX/XX/2023 forward, you agree to pay my fee of XXXX usd for contacting me without my written consent. I will also file harassment and identity theft charges.
Please delete this account immediately from all three credit reporting agencies.
|
| 08/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX as a consumer, I filed a rental application with XXXX XXXX in XXXX Ga. The application fee of {$150.00} was paid in full. I never moved in the apartment. In XX/XX/XXXX a collections account appeared on my credit report from National Credit Systems representing XXXX XXXX. As a consumer, I was in the process of finalizing a mortgage loan and a career advancement opportunity with an executive search firm. Due to the gross negligence of National Credit Systems and XXXX Apartments, my immediate credit score plummeted in excess of 100 points in mid review. It irreparably damaged my relationship with the financial institution and caused professional embarrassment with the executive search firm. My credibility was assailed.
I contacted National Credit Systems and asked them to remove the collections report due to the gross error on their part after providing them with proof of their error. They refused to remove the derogatory entry from my report.
|
| 02/19/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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on XX/XX/2021, I sent NATIONAL CREDIT SYSTEMS , INC 2 LETTERS ( ONE TO MAIN AND CORP. OFFICES ) REGARDING THE ALLEGED DEBT OF XXXX THAT I DO NOT OWE.IT HAS BEEN OVER 30 DAYS AND I HAVEN'T RECEIVED ANYTHING FROM THEM CONCERNING THIS INACCURATE INFORMATION. ( 1 ) a copy of a contract or agreement that created the alleged debt that you are attempting to collect, ( 2 ) an itemization and accounting of all exact amounts that you are collecting for the total balance, ( 3 ) if any amount is due to property damage, then a comprehensive list of any damage done to the premises that is the basis for any charge and true repair bill or estimate dollar value of the repair, and ( 4 ) if any security deposit was retained to offset the balance, proof of mailing of any statement of charges detailing the reason for withholding deposit funds and proof of the letter mailing date. Any contract or agreement sent must be with the original creditor and signed by all parties to it
|
| 06/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
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I have asked National Credit System to validate a collection they are reporting on my credit reports. On XXXX/XXXX/XXXX I asked National Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter saying 'We regret you have failed to make suitable arrangements concerning the above reference account '. On XXXX/XXXX/XXXX I again ask Nation Credit System for a contract with my signature. On XXXX/XXXX/XXXX I receive a letter showing me a plain old bill. They have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 03/18/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/2021 I attempted to collected information on XXXX accounts with " National credit system Inc " that posted on my XXXX XXXX. I called in at XXXX cst and Spoke with an agent " XXXX XXXX XXXX who I requested a Debt validation letter to be sent to me he refused and began to get agressive and irate and yell and tell me that I will not get a letter unless the debt was paid. I then informed him that tha was illegal and that I have the right to request for a letter as stated in the FCRA he continued to yell and cut me off and not let me speak then hung up on me. I have reported him to his supervisor by leaving a voicemail at XXXX cst as well as requesting for a follow up. This behavior from the XXXX XXXX who represents the company makes it difficult for me to get my credit score corrected and has affected me in more ways physically and emotionally and nobody should suffer or have to deal with difficulties when trying to correct or solve their credit debt.
|
| 05/16/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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I was in a apartment complex ( XXXX XXXX XXXX XXXX, XXXX ) from XX/XX/XXXX. I moved out of that apartment in XX/XX/XXXX. I did not get any communication from them that I owed any amount while I left the apartment. I got a letter from National Credit Systems on XX/XX/XXXX, 6 months after I left the apartment that I owe {$2500.00} to the old apartment due to damages caused to the apartment. I have not been given any bills or proof of this damages caused to this apartment. When I tried calling National Credit Systems about the proof and why I was not contacted for 6 months and I wanted to dispute the debt, they were rude and disconnected the line saying that this debt will be on my credit history. I have a exemplary credit history and would like to maintain the same. Please help me. They are frauds trying to collect money by threatening me.
National Credit Systems Inc Curent Creditor : XXXX XXXX XXXX XXXX XXXX / XXXX - XXXX Account # : XXXX Amount : XXXX
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| 05/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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My mother, XXXX XXXX, received a letter from National Credit Systems on behalf of XXXX XXXXXXXX XXXX in XXXX, NC on XX/XX/2018 about a balance of {$2100.00}. Eventually, the balance was reported as a collection to both myself & my mother 's credit report. The issue with this is that neither my mom or I had ever stayed at XXXX XXXXXXXX. My brother/her son, XXXX XXXX stayed at the apartment. I have never received any correspondence from National Credit Systems about this matter, just my mother. On yesterday, she received an itemized invoice, filled with frivolous charges, including damages to the room & that the keys weren't turned in. He no longer lives at XXXX XXXX & he made sure everything was taken care of. He was the one financially responsible for this apartment, but yet isn't suffering any type of consequences. My mom & I sent NCS both a " Cease & Desist '' letter, as well as a letter to explain the situation, yet they are still reaching out to us.
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| 03/28/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I left an apartment complex in 2019 where rent was XXXX dollars per month. I left 4 months before my lease was up which totals to XXXX dollars. The apartment complex XXXX XXXX Apartments and the debt colelction company National Credit Systems have increased the debt nearly 300 % and put it on my credit report. From what I have read this is a violation of the FDCPA because it is a grossly increased debt amount. I tried disputing the information with the credit bureaus but when they tried to validate the information National credit systems and XXXX XXXX apartments stated it was accurate. I was not given an itemized receipt of the charged and they kept my deposit. I feel that this is a violation of Federal Law by allowing a grossly increased and incorrect dollar amount to report to my credit report. It has prevented me from my life goal of getting a home loan. I am not opposed to paying the debt, just opposed to something that has been increased by 300 %
|
| 05/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX XXXX XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurrate items from my credit report.
1. Date Opened is listed different on multiple credit bureaus.
2. This account XXXX Has FCRA Violation.
3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.
3 different dates on each credit bureau.
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate.
5. This account was a Business Account not a Personal Account and is being paced on my credit dispite my several attempts to contact National Credit Systems and XXXXXXXX XXXX and XXXX correct and remove this inaccurate info from my credit report.
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| 03/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
|
|
Never received letter notifying of placement of debt with their office.
beginning in XXXX : Received repeated phone ccalls from Miss XXXX.
was told the only way to dipute was foor me to mail in letter.
XX/XX/XXXX mailed dipute, with attached emails ( 10 pages ) and photos ( 5 ) and copies of adds ( 5 pages ). Included state statute that would make this an illegal debt.
XX/XX/XXXX : Miss XXXX advised she would reporting me and co debtor ( XXXX XXXX ) to the credit bureau regardless of the dispute.
XX/XX/XXXX : she advised that she did not care if there was not a judgment or writ, she was turning us in anyway.
XXXX : letter from company saying dispute was not valid.
XXXX XXXX calls from Miss XXXX ( called back twice ) XX/XX/XXXX call from miss XXXX XX/XX/XXXX : notified I would not pay, this was not a judgmen, she advised they were reporting to the credit cureau unless and until I pay the balance in full. She sais I would need to sue THEM.
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| 06/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XXXX of this year I noticed a collection account on my credit file. I contacted National Credit Systems in XXXX, Ga this company was listed on my credit file. I spoke with a supervisor. I explained to the Collection Agency that the reporting was inaccurate and I had no knowledge of the original creditor. I ask that she forward over the contract and a copy of the license on file. She was very rude. I called several times to speak back with a different Supervisor from the one that hung up the phone on me. I believe her name was Mrs. XXXX.On XXXX the XXXX I called the collection agency again because I had not received any information ( contract with my signature ) from them. I called the original creditor and they seem to have went out of business seems to me this whole situation is fraudulent. The original creditor has no known address or phone number. This collection agency is breaking the law by placing fraudulent activities on my credit report.
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| 04/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
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On XX/XX/20, I attempted to contact National Credit Systems , Inc. to discuss the recent letter they sent in reference to XXXX XXXX and his incorrect reporting to them. I wanted to advise that I was disputing the amount and how to handle that but the representative that identified himself as the Account Supervisor name XXXX ( XXXX ). He then proceeded to yell over me when I was trying to ask a legitimate question and he told me " we don't discuss amounts here and you need to learn how to pay your bills '' and then hung up in my face. I called back upset and the receptionist told me that I was being profane because I was upset and she also hung up on me. My mother then called and asked to speak to the supervisor XXXX ( XXXX ) and was told that he was at lunch and that I we would not able to speak with anyone else and then they hung up. I was trying to offer a resolution but at this point, I am filing a Chapter XXXX and will be rid of them for good.
|
| 01/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law.
National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of the damaged carpet with a photo copy of a pay stub of the former tenant.
A pay stub to prove that the tenant was in debt in regards to damaged carpet?
This sequence of events is in violation of 15 U.S.C.1601 Fair Debt Collections Practice Act. This by far does not come close to validation of debt even after requesting validation by the accused debt holder.
|
| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Thank you for your time! Humbled am I! According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract and Reporting Act section 611 ( a ) ( 1 ) ( A ) and Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Act ( including but not limited to Section 623-b ) I asked these companies to simply show me verification of debt etc or if these items are mine. None have done so. I am asking for proof or delete the item. It has been 2 months now almost 3. I have been filing reports and giving them chance after chance to prove this yet they refuse. I mailed more letters off as late as last week.
XX/XX/XXXX I mailed the first sent off letters.
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.
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| 05/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I received an letter from collection agency on XXXX XXXX Company name National credit system XXXX. XXXX XXXX XXXX Georgia stating that I owe {$3700.00} debt to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Az. In fact my lease was till XXXX and I informed to the Apartment management one month before ending the lease that i dont want to continue further I left the keys in there drop box on XXXX XX/XX/. After that I received the notice from collection agency that I owe money. The apartment management did not contacted me and did not sent any written letter that I owe some thing to them. After 4 months Im receiving letter form collection agency I called to XXXX XXXX the collection representative and told her I dont owe any money to the apartment people o Also asked her to send me the written explanation of this debt they did not sent me any information and they reported it to the credit Bureau.Now this debt is on my credit report which I dont owe.
|
| 04/08/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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My previous place of residence never notified me of an outstanding balance I had with them by phone, mail or in person. When I moved out and turned my keys in to my landlord he told me everything was taken care of and never once did he mention anything about still owing the apartment {$400.00}. I was n't aware of any outstanding balance with my previous landlord until 6 months after I moved out when I received a letter in the mail from a collections agency telling me they were processing this account to be placed on my credit history. I tried contacting the apartment manager to discuss what this {$400.00} fe was for and was unable to reach him. I still do n't know why I owe this amount and never did i recieve my deposit back either. If I am unaware that I owe any amount of money and never notified what the fee was for how can I pay it before it goes to collections and ruins my credit preventing me from renting or finding residence anywhere else.
|
| 09/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I lived at XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX, North Carolina from XX/XX/XXXX to XX/XX/XXXX and paid my Rent of {$810.00} per month for the 2 Bedrooms 2 Baths to date. The Apartment manager charged me a " 1 month Rent of {$810.00} Refundable deposit '' before I moved in, with the promise that they are going to give me that money back when I move out which never happened.
Surprising after withholding my deposit when I moved out, they still had the order-city to put some unauthorized charges amounting to {$1500.00} on me and gave me to a collection agency called National Credit Systems who have been harassing and damaging my Credit for almost five years now. I do not owe anything to pay to the Apartment company, they rather owe me my deposit Refund of {$810.00} Therefore, I would appreciate you contacting this Collection agency on ( tel. XXXX ) or on any other means for them to remove the {$1500.00} debt from my credit as soon as possible.
|
| 03/01/2016 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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National Credit Systems is claiming I owe {$1000.00} to XXXX and reporting it to my to my credit history. I have never been told about this debt by either XXXX XXXX on the Debt Collector even though they have my phone number and address on file. I called the apartments and was told to contact the collection agency. I called the collection agency and was told the debt was sold to The Law office of XXXX XXXX XXXX XXXX XXXX, XXXX. I called the Law Office on XX/XX/XXXX at XXXX and asked to be sent written notice of debt with proof. It has been over ten days now and I am aware that under the Fair Debt Collection Act, I am entitled to this information 5 days from the date I was in contact with the collector. I would like the debt collector and Law Office to please correct the mistakes they have made. I have yet to receive any paperwork stating why I owe this debt, why it was opened 6 months after my lease ended with XXXX XXXX, and what my rights are.
|
| 05/16/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
Servicemember |
|
In accordance with the Fair Credit Reporting act. The List of account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. National Credit Systems Inc : # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
|
| 08/06/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
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|
I have sent a validation of debt letter and cease and desist to National Credit Systems XXXX times. They scam consumers by changing their address which is different on each credit report multiple times. XXXX XXXX ( attached ) has XXXX address, XXXX and XXXX have another address ( attached ), their website shows a third address ( attached ) and on another listing of theirs it shows a XXXX address. I've sent letters to all XXXX and they refuse service or they come back to me. I also emailed them the letter AGAIN ( evidence attached ) and still nothing. This apartment was a corporate apartment and my previous company stated in writing from their attorney on my separation agreement that they would take over the apartment and costs. I have no actual paperwork from the apartment complex or National Credit Systems showing a debt or how to dispute or anything. I will not pay this until I get that. Until then I have rights under fair credit reporting.
|
| 06/19/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I owned and lived in my own home for 27 years. I have never heard of this company. After the shock of seeing this on my reporter, I tracked down this company and learned it is notorious for filing false credit claims and then shaking down the victim for money to remove it. What a sore lack of integrity on the credit bureaus for allowing such a corrupt and transparent scheme. This company has has apparently been the subject of multiple lawsuits and have included links below to some of the sundry of complaints against them that date back several years. This is an absolute egregious violation of the FCRA and it's outrageous. I demand this claim immediately be removed and that this complaint along with its attachments is immediately posted in this matter. XXXX removed it ( I think ). XXXX claims they verified it. There's absolutely no way this account/claim could have been verified! It's false. I have not applied for any credit for several years.
|
| 04/01/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I had to break a lease early due to domestic XXXXXXXX issues. I provided the police reports and an official letter letting them know what was going on and that I was going to break the lease, but they never got back to me. I sent them a USPS letter, fax, and email but never got a response back. They placed a collections account on my credit report and never communicated anything to me, or even sent me anything regarding the " owed : amount. Per Arizona law, we allowed breaking the lease early without any penalty fees if there was a domestic XXXX issue ( which there was, but they still are attempting to collect over {$2400.00} for no reason. ) Once this complaint is dealt with, I am going to contact the Arizona attorney general and report XXXX XXXX Apartments for violating " A.R.S 33-1318 - Early termination by tenant ; domestic XXXX ; XXXX assault ; requirements ; lock replacement ; access refusal ; treble damages ; immunity ''.
Thank you.
|
| 12/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
THE ACCOUNT LISTED FOR A APARTMENT LEASE IS A FRAUDULENT ACCOUNT SOMEONE USED MY NAME AND SOCIAL SECURITY NUMBER AND PHOTO ID TO OBTAIN A LEASE IN MY NAME I HAVE CONTACTED LOCAL AND FEDERAL AGENCY TO MAKE A CRIMANAL COMPLAINT I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA &. On XX/XX/2020, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
|
| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
After contacting the CFPB ; National credit system sent me a identity theft affidavit to fill out & asked for my ID. I have filled out the affidavit and have my ID on hand. When I called to speak with the person over my case to see WHERE I send it to, he hung up on me. I dont have money or a way to mail them the paperwork they asked for. Just like the sent it electronically I need to send it back electronically. I dont have funds to go buy stamps and envelopes. Which is why I am doing it all online. They also asked for a Notarized signature and idk what that is and if its something I have to PAY for to get, I cant do that either. So I will be attaching my ID, the identity affidavit & my report from the FTC. So unless they have a way for me to send all this info for free via paper mail and a way for me to get whatever they want notarized done for free ; Im not able to do it. The FTC accepted my identity theft report. I am sending what I have.
|
| 09/25/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
National Credit Services is showing on my XXXX Report that I still owe {$440.00} to XXXX XXXX. There was a separate negative account showing on my Credit Report XXXX XXXX that controls XXXX XXXX that was satisfied and dismissed thru XXXX County Magistrate Office File number XXXX I contacted National Credit Services that this collection they are attempting to collect was dismissed and satisfied from XXXX County Court They have refused to verify and remove from my credit report they keep saying it is my responsibility to prove my case I believe I have done so with the report number being given to them and with XXXX credit bureau XXXX did nothing but remove XXXX XXXX Courts showing the account was satisfied that collection was showing XXXX XXXX and the National Credit Service shows XXXX XXXX -- - They are both the same company This collection is having negative effects on me I have proven my case but no one wants to remove this my credit report
|
| 01/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020, I sent a debt validation letter to National Credit Systems Demanding that they provide me with debt validating documents. The company did not provide me with any documents with my signature validating the debt. I was not provided the contract between the original creditor and me that states that if I defaulted on the alleged debt I would be indebted to National Credit systems. They are not licensed to collect debt in Louisiana. I was not notified before they falsely reported the XXXX collection account to the credit bureaus. Also, I never spoke with the company and they were illegally drafting 100 plus dollars from my account from XXXX XXXX XXXX 2020. I never authorized those payments and I was able to recoup those funds via my bank. I also attempted to sue them in XXXX County Justice, since the company said the collection occurred there, however they refused to show up to court. I will not stop until this account is removed.
|
| 01/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I 've disputed some of their claims and sent proof of payment of rent, but have asked for further clarification on other claims of destruction. The agency states the matter has been investigated but they are agreeing with the apartment complex that I still owe. I have asked for dated receipts of their claims but have not received proof I owe them. When I asked for receipts, they sent same paperwork as before. I need more information in order to proceed. What happens when they investigate your disputes and still claim you owe them? I sent photo copies of paid rent from bank. I sent proof of payment and I 'm still disputing them but they claim I still owe. Also claim pet damage. I 'm disputing the extent of damage and will not pay for items they should do before a new tenant moves in such as painting. Also manager when I moved in wanted to put new carpet in. I asked her not to because I had pets, but to wait until I moved out before doing so.
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
National Credit Systems : Account XXXX National Credit Systems is inaccurate reporting an item on my credit, XXXX, XXXX and XXXX are allowing this to happen and have continued to disregard my request to validate this account and remove the inaccurate items from my credit report.
1. Date Opened is listed different on multiple credit bureaus.
2. This account XXXX Has FCRA Violation.
3. This account is being RE-AGED FCRA Violation. Date of Last Activity is being RE-AGED every month.
3 different dates on each credit bureau.
- Date Open Different on credit bureaus -Date of Last Activity Different on credit bureaus -Date last reported Different on credit bureaus 4. Last reported dated inaccurate.
5. This account was a Business Account not a Personal Account and is being paced on my credit despite my several attempts to contact National Credit Systems and XXXX XXXX and XXXX correct and remove this inaccurate info from my credit report.
|
| 12/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.
XXXX XXXX XXXX XXXX National Credit System # XXXX -15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.
15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 that the information is inaccurate.
|
| 12/18/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
XXXX XXXX, XXXX, I sent a certified letter to all three credit bureaus inquiring about a debt that is listed on my credit report. The amount was approximately {$6200.00} from XXXX for an apartment complex. I was n't aware of it until I was denied residency at an upscale apartment housing complex. I received a response from the bureaus that redirected me to National Credit Solutions.
On XXXX XXXX, XXXX, I sent a certified letter to NCS. Per the certified XXXX tracking notification, the letter correspondence was received by NCS on XXXX XXXX, XXXX at XXXX. After not receiving a response, I sent a second certified letter on XXXX XXXX, XXXX. According to XXXX tracking, the letter was received on XXXX XXXX, XXXX. To date, I have not received a response. In both letters, I asked for verification of the debt. I am very frustrated that I am not getting a response from this company. I am requesting this item be removed from my credit report asap.
|
| 02/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My apartment complex mistakenly reported that I owed {$180.00}. The apartment complex, XXXX XXXX XXXX, has provided me with a letter to that effect and says they have sent that letter to National Credit Systems back in XX/XX/2018.
The collection agency never removed my account.
This week, the apartment complex has tried more than once to email that letter again to the collection agency. The emails bounced back.
Each agent I speak with from the collection agency is giving me different and contradictory information about the status of my account.
Most recently, the collection agency informed me that the inquiry into this had been closed because the apartment complex refused to communicate with them.
At this point, both of the apartment complex and I are trying to get information resolving this debt to the collection agency, but they don't seem to want to accept it, and aren't giving us a means of getting that information to them.
|
| 03/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
National Credit System reported an account that belonged to someone that with a similar name that does not belong to me. I have never lived at this property called " XXXX XXXX XXXX XXXX XXXX '' in XXXX, Texas and I have never signed a joint contract with XXXX XXXX ( I've never heard of that name before and it is not even closed to my wife 's name ).
I have tax records and a lease contract copy that proofs I was living in a different state at the time.
I disputed with XXXX last year and they removed from my report but now this collection is showing in my XXXX credit report. I disputed with XXXX but they came up with the resolution below : " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' I demand that this account be removed from my XXXX credit report immediately.
|
| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
In the beginning of XXXX I reviewed a copy of my credit report and found that National Credit Systems was reporting information on my credit report that I was unaware of. On XXXX XXXX, 2016 I mailed them a letter requesting validation of both of the accounts they were reporting. They only responded to one of the accounts and the other account they sent a letter but were only trying to get me to pay something they refused to validate. They did n't reference the original creditor or their contact information either in their response. I specifically requested a copy of the signed contract along with a break down of the amounts they were stating I owed. I ca n't understand how or why I could owe anything especially 2 different amounts. I know I put a deposit down on the apartment complex they are claiming I owe for and they do n't show any records of that. Instead they show me owing a balance of {$1000.00} then a second fee of {$2100.00}.
|
| 07/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
NATIONAL CREDIT SYSTEMS has refused to validate the debt or to provide me with any documentation that proves that I owe the debt. I believe that the debt is either invalid or FRAUDULENT. NATIONAL CREDIT SYSTEMS is engaging in debt collection without a valid license, which is in violation of applicable laws and regulations. I believe that NATIONAL CREDIT SYSTEMS is violating my rights under the Fair Debt Collection Practices Act ( FDCPA ). Violation of Se
ction 807 ( 2 ) You are Continuing communication after a cease and desist request. Violation of Section 1692 ( g ) : Failing to send a written debt validation notice within five days of the initial communication with the consumer about the debt. Violation of Section 1692 ( d ) : Repeatedly calling with the intent to annoy, abuse, or harass I, the consumer. I understand that under 15 U.S.C. 1692, I am entitled to statutory damages of up
to {$1000.00} for each violation of the FDCPA.
|
| 04/18/2018 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I have been disputing an account with XXXX XXXX for over three months. When I call they say that they have sent information to XXXX to stop reporting. I have found that as of XX/XX/XXXX, the identity theft accounts are still reporting.
I have also disputed the account with National Credit Systems. They asked that I submit an Identity Theft Affidavit, which I have three times and they send me a notice saying they have not received the affidavit. I even sent it as an attachment to my last XXXX complaint. When I called they said to send the forms that they request, but they would send those forms to me in the mail. When the mail arrived, it was the same FTC affidavit documents that I already submitted. I am to the point of contacting an attorney because they have hurt me so-much-so that I have been denied for credit with XXXX. XXXX has listed both of these companies as the reason for me being denied.
THESE ARE FRAUDULENT ACCOUNTS.
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| 06/17/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XXXX XXXX At XXXX XXXX have damaged my and my XXXX sons credit the allowed the apartment to be rented with an outstanding huge amount on the water bill and pended this amount on us when we moved out the apartment was very clean they did not give us an itemized bill of move out which I have on file we cleaned the apartment but the carpet was so bad she said dont cleaned them we have a letter stating that. this water bill XXXX XXXX XXXX XXXX says it wast my bill it had to do with the complex and one day the whole entire complex went without water became of their outstanding bill, before we moved in now the XXXX $ water bill is theirs they said its rent but its the water bill. We paid XXXX $ plus XXXX reservation fee and XXXX $ pet fee we dont owed and they gave me only XXXX credit for cleaning the apartment when it was immaculate. This is not fair I can rent they is trying to stick me with their water bill and saying its unpaid rent
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| 12/15/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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|
Web |
Servicemember |
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National Credit Systems and XXXX has violated my rights and this is my last go round with them before going to court. Not only were dates altered by XXXX and the leasing office according to XXXX website and XXXX attorneys, XXXX was supposed to send me a bill directly from Its company XXXX before sending over my personal information to National Credit System. XXXX has allowed this company to be rude and nasty to me over the phone. I will not stand for it anymore both companies will be liable for punitive damages. I have attached documents showing XXXX responsibilities and protocol. This protocol was not followed at all and for this reason I will personally filing a lawsuit against XXXX and National Credit systems. XXXX was supposed to send me a statement not a collection agency. XXXX was suppose to give me the opportunity to dispute and correct it with them prior to sending my personal information to National Credit Systems.
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| 08/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
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XXXX refuses to recognize legal court documentation that the court ruled in my favor with no money owed to XXXX XXXXXXXX XXXX. They also keep removing the dispute from their online system so I am unable to view the status of any investigation. I filed a dispute on XX/XX/XXXX ( attached reference ) and it is no longer showing a status -its gone. Once I spoke to a XXXX rep the told me a dispute was submitted on XX/XX/XXXX ( attached reference ) and the credit agency said it was valid. All documentation provided says I owe no money owed to XXXX XXXX XXXX. I am filing this second complaint because XXXX and NCS is publishing inaccurate information on my credit reports.
And asking NCS and XXXX to provide valid documentation that disputes a court decision and documentation from the surety company that no money is owed to XXXX XXXX XXXX ( reference attached stating no money owed to the community ). Or remove this from my credit report.
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| 12/07/2023 |
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
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Web |
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I hope this message reaches the appropriate department. I am writing out of frustration and concern regarding the recent closure of my complaints, indicating that all disputed information on my credit report is correct. I find this conclusion confusing, especially when there are evident discrepancies among the reports provided by the different credit bureaus.
I am truly exhausted from attempting to articulate my concerns, and it appears that my letters are not being thoroughly reviewed. The inconsistencies among the reports from various credit bureaus are causing immense confusion and frustration on my end.
I urge you to reevaluate my case with the utmost diligence and attention to detail. I am seeking a swift resolution to address the discrepancies and inaccuracies on my credit report. I believe in the importance of accurate credit reporting, and it is disheartening to experience such challenges in rectifying these issues.
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| 03/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with account listed under National Credit Systems. I requested a validation on XX/XX/XXXX as there were several discrepancies that were identified with this account that I do not believe I owe. I reviewed my credit report again on XX/XX/XXXX and the account was listed as disputed by consumer however I never received any validation of the debt. Therefore on XX/XX/XXXX I sent a 2nd validation letter requesting complete validation of the full debt that is claimed to be owed. Credit report was reviewed again on XX/XX/XXXX and the account is still reflecting on my report and I do not believe the debt is correct or valid and this account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that this debt belongs to me and all information being reported is correct.
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| 01/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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This company XXXX XXXX XXXX XXXX XXXX ) advised me I would be able to break my lease without penalty. They submitted false documents with the incorrect move out date, false apartment damages, and it has wrongfully affected my credit.
I was told I would be able to pay an extra month and would not get my deposit back due to me breaking my lease. The apartment 's corporate office will not return phone calls after about 6 months of calls/voicemails. When I contact the apartment complex the manager response to my concerns by saying " I could tell you something but the computer will do other options ''. I moved out XX/XX/2018 and never received any notice until XX/XX/2018, which was a collection notice from a law firm.
This is not fair to me and wrongfully affects my credit. I would like for this to removed from my collections.
There is an influx of fraud from apartment complexes going on in XXXX now. I do not want to be affected.
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| 02/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
On XX/XX/XXXX I requested to move out of XXXXXXXX XXXX XXXX XXXX XXXX, which was approved by management I believe her name was XXXX. I feared for my life there someone walked into my apartment at XXXX he said his name was XXXX from maintenance and he had the wrong apartment. At the end of XX/XX/XXXX there were over 100 cars that had been broken into in the garage attached to my apartment complex. In XX/XX/XXXX was a shooting in the building and there was someone hiding out in my apartment building for hours, I didnt know the extent of the shooting that I heard in the building until XX/XX/XXXX from another resident. There was knocking on my door and turning the doorknob on multiple occasions. Several homeless people in the building, sleeping in urinating in the elevator and asking for money. I have paid everything in full and my move out ledger shows that I am owed {$39.00}.
I reported all incidents to the management office.
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| 04/04/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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This company is reporting information on my credit reports however they are not legally permitted to collect in my state because they are not bonded in Texas. I currently live in Texas and have always resided in Texas. I have checked the website of my secretary of State with the information they provided on my credit report. My search concluded that THEY ARE NOT BONDED in my state. Not only that, I have sent several 609 letters asking for them to " Verify '' the information that they are reporting because these debts are not mine and doesn't belong to me. They have yet to provide adequate proof and still reports on my credit. Please note the following information pertaining to the debt collector including their address, Bond number, Amount they are reporting and date they reported : 2 ) National Credit Systems Inc XXXX XXXX XXXX XXXX GA XXXX Bond number XXXX Amount reporting {$3000.00} Date of reporting XX/XX/2012 XX/XX/2012
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| 09/15/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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NCA is reporting an un-verified account on my credit reports. I have no knowledge of this company or alleged debt. i disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. This alleged account is 6 years old past the statue of limitations for my state of GA. NCA deleted the account between XX/XX/2019 and XX/XX/2019 Then re-inserted the account on XX/XX/2019 without me receiving any knowledge of it. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately.
|
| 06/06/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
I NOTICED THAT NATIONAL CREDIT SYSTEM PUT A COLLECTION ON MY CREDIT DUE TO A BALANCE REPORTED TO THEM BY XXXX XXXX XXXX IN XXXX NORTH CAROLINA. I CONTACTED THE APARTMENT COMPLEX AND ASK THEM WHY THEY WOULD REPORT A COLLECTION IF IVE NEVER LIVED THERE THEY QUICKLY APOLOGIZED AFTER I SHOWED MY MY POLICE REPORT TO PROVE I WAS A VICTIM OF IDENTITY THEFT. THEY TOLD ME UNFORTUNATELY ONCE THE COLLECTION HAS IT THERE NOTHING MORE THEY CAN DO AND INSTRUCTED ME TO CALL NATIONAL CREDIT SYSTEMS. THE NATIONAL CREDIT SYSTEMS SAID THEY DIDNT CARE THAT I DIDNT STAY THERE SOMEONE & THAT SOMEONE ELSE DONE IT IN MY NAME AND THAT I STILL I HAD TO PAY. THAT IS SIMPLY AGAINST THE LAW THIS ACCOUNT WILL BE REMOVED BECAUSE NEVER LIVED IN THOSE APARTMENTS. I ALSO WANT ALL OF MY POINT BACK FROM THE DROP I RECEIVED DUE TO THIS ERROR. AND I HAVE A POLICE REPORT TO PROVED MY IDENTITY WAS STOLEN A WHOLE YEAR BEFORE XXXX XXXX STAYED THE LEASE WAS SIGNED..
|
| 03/21/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I lived at the apartment complex in XX/XX/XXXX and moved put after lease was up. Moved back in XX/XX/XXXX and had no problem. In XX/XX/XXXX I had a XXXX XXXX and was unable to care for myself and my XXXX yr old son. I talked to the manager and he asked for letters from my Dr that I was unable to be alone. He asked to clean apartment and leave ready to be rented and he would write a letter that I would be released from my lease. I had the apartment cleaned by a cleaning the company and had carpet steamed cleaned. I had the office come check they said it was good. To come back the following Monday this was Wednesday. I returned on Monday the apartment was rented and he said he was no longer the manager and I would get reported and he would ruin my chances to ever rent unless I paid XXXX. I talked to them numerous times to try to come on agreement but they would not work and said they would keep putting it on my credit report.
|
| 02/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
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The original creditor XXXX charged illegal, exorbitant and unsubstantiated fees after I moved out of my apartment. XXXX actually owes me money from my deposit which they illegally withheld and assessed extra fees arbitrarily. The carpet was spotless upon moving out. They also charged me some random fee for carpet removal in excess of {$350.00} and provided no receipt for this work. They simply said that the work was done by onsite maintenance staff. When I asked them to provide proof that the maintenance staff was paid the {$350.00} for carpet removal, they could provide none. The maintenance staff is paid hourly and they could provide no proof of the fees. These fees are a punishment, completely fabricated and spurious. XXXX Owes me money. I demand that XXXX reimburses me for the carpet cleaning fee, the carpet removal fee and removes this collection from my credit record and restores my good rental history in XXXX at once.
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| 10/29/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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The National Credit System has sent me several letters in regards to a collection of {$3800.00} that was sold to them by XXXX XXXX XXXX where I was previously renting. I had my legal representative XXXX XXXX from XXXX send a letter to the XXXX to get a Verification of Debt to validate the debt. XXXX did respond with that information. Moving forward my lawyer then sent another letter to the XXXX asking for a settlement offer which the XXXX has failed to respond to. In that letter it was stated that I would be able to settle for {$1600.00} with the exchange of a full release ( Paid to Delete ) XXXX has not responded back to my legal representative. It has been 18 business days with no response, failure to respond to a debt validation letter is a direct violation to my consumer rights. XXXX is now coming in between my personal life where I am unable to move forward and rent/purchase a home due to their lack of cooperativeness.
|
| 11/04/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
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NATIONAL CREDIT SYSTEM XXXX 15 USC 1681 section 602 A States I have the right to privacy. 15 USC 1681 section 604 section 2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 USC 1681c. ( a ) ( 5 ) Section States : No consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report more than seven years. 15 USC 1681s-2 ( A ) ( 1 ) A Person shall not furnish any information relating to a consumer to any consuming reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate I HAVE NEVER given authorization nor permission to report to credit nor do i have an account with this agency! My rights has been violated and they are in violation according to the statutes mentioned above
|
| 07/28/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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Dear Consumer Financial Protection Bureau, This complaint concerns my experience with National Credit Systems , Inc. National Credit Systems , Inc. has sent a single letter stating that I have an " obligation '' of {$6900.00} to XXXX XXXX XXXX I have not received any written accounting of what the {$6900.00} consists of. It seems very unreasonable and unfair for a collection agency to be able to submit negative information on a consumer to the credit reporting bureaus without having provided a detailed accounting of what the " obligation '' is.
To date, I have received no detailed written accounting from either National Credit Systems , Inc. or XXXX XXXX on this " obligation. '' I believe that the negative reporting done by National Credit Systems , Inc. should be reversed until I am provided with a written accounting of the " obligation. '' Thank you in advance for your assistance and attention.
Sincerely, XXXX XXXX
|
| 01/27/2017 |
Yes |
|
- Credit reporting company's investigation
- Problem with statement of dispute
|
|
Web |
Servicemember |
|
I just requested a credit report ...
Background about me ... I have been in family courts for 9 years ...
in and out of XXXX. Court - nowhere to turn for help ...
My solution ... move to a new address, some place I felt safer ...
The problem : Every time I moved, I broke a lease ( 2x ) ... this is now reflecting on my credit report.
Additional info : My daughter was XXXX XX/XX/2014 ... I have had no contact with her since then ...
I have been working hard to better myself since the abuse started ... obtained my XXXX in XX/XX/2014 ... graduated from the XXXX and left being XXXX XXXX ...
Now I am trying to buy a home ...
However, the XXXX places I moved from in the past, show up on my credit report ...
What are my options ...
Do I have any?
Thanks.
XXXX XXXX ( I have attached a copy of the document 'CreditIssues ' with the XXXX creditors listed at the bottom ( the XXXX is a mistake and I am getting it removed )
|
| 02/22/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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hello my name is XXXX XXXX a few months ago I checked my credit report and discovered that national credit system had been reporting fraudulent accounts on my credit report. My Social Security number was stolen and used to open up credit card accounts as well as other accounts that appeared to be National Credit Systems reporting on my credit. I have reached out to their corporate offer several times and all I keep getting is the runs around. During the conversation I had with them they said I needed to send proof of identity report and an affidavit, I sent in the requested documents proving that I was a victim identity they said they would remove the fraud account and never did. They are in violation of the Fair Credit Reporting act as my right as a consumer for reporting inaccurate information. I need for this fraud account to be removed or I will take my evidence and file a case with my XXXXocal county clerks office.
|
| 07/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
|
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In XXXX of XXXX, I moved out 3 weeks prior to the official termination date of my lease. I had to move due to having to relocate for a job in another city. The landlord at the time stated that that would be fine since I gave a WRITTEN NOTICE 30 days in advance of my having to move. He stated that they would get the apartment rented out and I would not have to worry about anything else. The landlord accepted the written notice and made note that I was vacating the premises and I heard nothing else from them. Now here we are in XXXX and there is a balance on my credit report of {$480.00} and this has drastically impacted the credit score that I am working so hard on. It has impacted my score to the point that I am not able to rent anywhere else for me and my daughter. I have attempted to dispute this several times. I would like for this to be removed from my credit so that me and my daughter can find a nice place to live.
|
| 04/22/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
Servicemember |
|
President Biden and US Congress do not allow any apartment management to harass a single parent who raises XXXX kids successfully during pandemic. I did not owe anything. We used one room. ( another room for other person ). A single parent and my kids have nothing to do with another person in another room. Harassing a single parent with XXXX kids should be halted.
President Obama and First Lady XXXX XXXX sent me a letter in person through US congresswoman XXXX XXXX for my daughter XXXX and me.
Federal agency should instruct apartmanagement to stop harassment a single parent with XXXX kids who is US armed force veteran.
As a single parent with XXXX kids, I try to buy a home in rural area, national credit system ( XXXX XXXX XXXX ) information in credit report should be removed to apply FHA loan, VA loan and USDA loan.
Halt XXXX hate crime or Discrimination against XXXX Americans ( a single parent with XXXX kids ).
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| 02/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
Original Creditor XXXX, XXXX XXXX XXXX, XXXX, GA, XXXX Filed judgment Case # XXXX XXXX XXXX XXXX XXXX XXXX, the judgment was paid in full for the amount of {$2700.00} and I have a copy of the judgment being satisfied dated XXXX/XXXX/2014 from the creditor and the court. After the judgment was satisfied the account was also turned to a collection agency National Credit Systems , Inc., XXXX XXXX XXXX, XXXX, GA, XXXX for the EXACT SAME ACCOUNT, EXACT SAME ACCOUNT NUMBER THAT I HAVE ALREADY PAID AND SATISIFED IN THE XXXX XXXX COURT. They continue to call and harass me ( which I have blocked their number ) they refuse to listen when I have tried to talk to them and they are violating collection law and my rights by continuing to try and collect on a debt that 's been satisfied. They are also duplicate reporting the debt on my credit records as a collection that I owe. I would sue if I could but would not know where to start.
|
| 08/04/2023 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
On XX/XX/XXXX, I was coerced into paying over {$1500.00} to National Credit Systems for damages on a rental manufactured home from XXXX XXXX that was naturally caused by wear and tear and negligent maintenance services. I was told about taking action but that was not an option for me due to severely limited resources. I was told by the representative also to send written letters of my case, but those letters got lost in the mail and told me email was not an option when they do in fact have email. They told me a payment plan was an option for me on to recant the next day and said it had to be paid in full. The representative I spoke to also use intimidation tactics by threatening to report on my credit for something I did not sign or agree to and may have illegally obtained my information. In the process she also accused me of acting " hostile '' when she was coercing my to pay up something that I shouldn't have to pay.
|
| 07/17/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
National Credit System have been furnishing my transaction & experiences with their company which is in violation of 15 U.S. Code 1681a - Definitions ; rules of construction.2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; National Credit System is violated by privacy : 15 U.S.C 1681 section 602 A. States I have the right to privacy..
15 U.S. Code 1681- Congressional findings and statement of purpose ( sold to 3rd party ) ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.
|
| 05/29/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
The apartment complex, XXXX XXXX XXXX & its agent, XXXX XXXX at XXXX, make the unlawful and fraudulent claim that I owe them {$2100.00}. I was physically attacked by one of their residents, XXXX XXXX ( aka XXXX XXXX ) in XX/XX/2018. Because of that, XXXX XXXX and XXXX XXXX attempt to misrepresent that I, as the victim, was the attacker and deserved to be attacked. They have sent a bogus claim of {$2100.00} to a debt collection agency, National Credit Systems , Inc., XXXX XXXX at XXXX. Each time that I write National Credit requesting that they validate the charge, they respond back with a picture of a " TOE '' and pictures of other images unknown to me and disputed by me. Instead of validating the claim at my insistence, XXXX XXXX, XXXX XXXX, and National Credit create more untrue and bogus lies to try and justify the above said amount. This erroneous information now wrongfully lies with the credit reporting agencies.
|
| 12/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
National Credit Systems reports on my credit report that I owe a balance of {$4100.00}. This was a debt that they took over in XXXX from an apartment complex named XXXX XXXX. National Credit Systems and XXXX XXXX placed a judgement against me for the amount of {$1600.00} in the XXXX of Arizona. This judgement was satisfied through wage garnishment in XXXX. National credit systems refuses to file a satisfaction of judgement or to reflect the collections account as paid, because they believe they are entitled to more money than the judgement was granted for. In communications with them they acknowledge the judgement has been paid but that they want the remaining balance on the collection account paid before they will take any action. This is not right. They already took their case to a judge and received an amount that the judge authorized them to collect. They have collected that amount and are not entitled to anymore.
|
| 08/17/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Servicemember |
|
I officially moved out of XXXX XXXX apartments in XXXX, XXXX on XX/XX/2022. On XX/XX/2022 I received an email from them with my last invoice and that total was {$220.00}. They said, that I had 30 days to pay it in the email. On XX/XX/2022 I went to XXXX and made a cashiers check so I could drop off the remaining {$220.00}. I live right down XXXXhe street from XXXX XXXX so, I decided to drop off the cashiers check. They gave me my end of the stub and the {$220.00} was deducted from my account on this day. The manager told me I was good and the account was satisfied. I just checked my credit XXXX, XXXX and I had an amount of {$220.00} sent to a collection agency from XXXX XXXX. This is blemishing my credit and is frustrating because I have a collection agency asking me to pay this amount again and having my credit impacted by this when I already paid the amount due. Thank you for your time and I hope you can help me.
|
| 02/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2019 I signed an addendum to a rent agreement that legally removed my name from the lease. The staying tenant also signed, agreeing to take ownership and responsibility of any charges on the account. I was forced to move out due to XXXX in the household and a XXXX XXXXXXXX order against the staying tenant. Due to the XXXX, the landlord and leasing agency were not allowed to hold me responsible for the charges, and they had a copy of the XXXX provided to them for proof. Also, a copy of the signed addendum removing my name and clearing me of the responsibilities. Now my credit statement shows a collections account from the landlord trying to make me pay {$4000.00} on an account that is not legally my responsibility. I tried to dispute the charge several times but the customer disagrees, being the landlord wants to make me pay the charges. I would like for this to be removed as it is not my account to pay for.
|
| 12/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I summited 4 rounds certified verification letters FCRA SECTION 609 ( a ) ( 1 ) ( A ) to ( XXXX XXXX, XXXX, XXXX ) and a debt collection verification letter certified to NATIONAL CREDIT SYSTEM certified letter sent to XXXX XXXX XX/XX/XXXX. AMOUNT OF UNVERFIED DEBT {$2600.00} CERTIFIED LETTER SENT TO XXXX ON XX/XX/XXXX CERTFIED LETTER SENT TO XXXX XX/XX/XXXX DEBT VERIFICATION CERTFIED LETTER MONTH OF XX/XX/XXXX TO NATIONAL CREDIT SYSTEM. I DID NOT GET A RESPONSE FROM THE DEBT COLLECTOR ON THIS UNVERFIED " DEBT '' ALL THREE AGENCY SENT " VERIFIED '' AS A RESULT OF THE VERFICATION I SUMMTITED SECOND ROUND OFLETTERS TO ALL THREE AGENCY ( XXXX, XXXX, XXXX ) IN THE MONTH OF XXXX THE RESULTS WAS THE SAME " VERFIED '' I SENT A THIRD ROUND OF VERIFICATION LETTERS AS WELL AS METHOD OF VERIFICATION TO ( XXXX XXXX, XXXX XXXX ) IN THE MONTH OF XX/XX/XXXX AND AGAIN IN XX/XX/XXXXAND NEVER HEARD BACK FROM ANY OF THE CREDIT AGENCY.
|
| 04/10/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
My issue is with NATIONAL CREDIT SYSTEM # XXXX who had posted many errors on my credit report. at on point the showed I owned over XXXX dollars on my credit report a few months later they changed it to over XXXX than a few months later {$1400.00} and few months later they put paid in full. I have disputed this account many times with the credit companies and national credit systems verified the account even with errors. I have request for validation of the account 3 times there failed to send it to me or they 1 time sent paid in full letter. So I requested any documention they have showing me that I paid from XXXX to the XXXX balance they show on my credit report which they will not have since me and my wife never paid XXXX on this account from {$1400.00} to XXXX they just made errors. A this point I want this account off my and my wife 's report since this account was verified and failed to follow the legal system.
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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I was unaware of a debt until it showed up as a negative report on my credit report. My apartment complex that the debt it supposedly owed to never told us the debt was owed ( {$700.00} ) after moving out or told us when it needed to be paid by. We moved out in XX/XX/2022.
Around 5 months later I had not received any notice from the apartment complex the amount was due and was going to be sent to collections. The first I found out about the debt was around XX/XX/2022 when I got a negative report on my credit report as it had been sent to a debt collector.
I had not received any type of written notice about the debt being with a debt collector or given the ability to dispute the debt. I still have not heard anything from the debt collector in written form or by phone or email. It has been over a year since I moved out of the apartment. It has now been sent to collections and has greatly impacted my credit score.
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| 01/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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XXXX XXXX XXXX ( NCS ) reported a collection on all XXXX credit bureaus incorrectly for {$240.00} in XXXXXXXX XXXX XXXX for myself and my spouse/co-borrower. I was never contacted by XXXX XXXX, but I did call them XXXX XXXX and offered to pay for the damaged carpet. They told me I would receive an invoice, which never came.
However, since I am in the process of applying for a home mortgage with XXXX, I paid the debt in full since they agreed to send me a paid in full letter and would contact each reporting bureau and request the item to be removed. As of today, they have not contacted any agency. I have contacted all XXXX, uploaded disputes, Paid in Full Letter, DL and utility bill. XXXX removed the collection within XXXX hours. XXXX and XXXX have not.
I have worked hard on my credit and this is the only collection noted in years. I wanted to fight the remarks, but my loan XXXX said to just pay it.
Thank you
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| 09/07/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I received an alert on my credit report showing that an unpaid balance of rent was owed to an apartment complex by the name of XXXX XXXX XXXX..I called the complex and tried to explain that I never lived there..They are not even under the name XXXX XXXX I ask them to send me proof of who they had listed under my name they kept giving me the run around and could never show proof that the apartment belong to me do I called the credit company that it had been reported to and spoke with a gentlemen several times trying to explain he was not listening to me at all and was determined that I was responsible I even tried to ask how much of this debt I could pay to get it off my credit and he was not willing to negotiate he threatened to take legal action and I have challenged this over and over and still cant come to any resolve. The company that has this false debt is National Credit System located some where in XXXX GA
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| 06/26/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/2019 at XXXX I was contacted by a XXXX man named XXXX claiming to be part of National Credit Systems , Inc . He told me some information about me like the last four of my SSN, my car make and color, my security deposit amount at my previous apartment, and my previous address. He then said I had an outstanding balance of {$890.00} still owed to my apartment complex I had moved out of at the end of XXXX. I had settled this balance with my apartment company previously and my check for the amount he stated minus deductions made by the apartment manager had been cashed already. The man tried to get me to give my credit card information over the phone to pay for my outstanding debt, which would supposedly help me avoid a hit on my credit report. After hanging up and calling my former landlord, I have no outstanding debt to them and they reported to me they never filed for collections or bad credit against me.
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| 01/27/2018 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The debt appeared on my credit report in XXXX XXXX 2014. It lists an apartment complex that I never lived in, stating that I owed a debt for it.They started calling me telling me that if I didn't pay the amount of {$2600.00} I wouldn't be able to get an apartment and giving me quotes from customers saying that the debt with them ruined their credit and they needed to pay it off. Being a young college student, I paid {$1100.00} total and then I did research and saw that their tactics were illegal and that I could dispute the collection. I tried to dispute the debt countless times and they called me almost daily telling me that I needed to pay this off at all hours of the day and night. Last year, I gave them a cease and desist letter and they haven't contacted me but still haven't removed the debt that was never mine. They were never able to send me a signed contract validating the debt. I do not owe this company.
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| 07/18/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have sent 3 Certified Mail to this unscruplous people, requesting for ; 1. proof/ legal right to collect this debt, 2. original contract with my wet signature and 3. Itemized bill. 4. I have no contract with them, they keep sending me the same thing over and over again, which is absolutely not what I requested. 5. I have disputed this debt as well with all credit bureaus, upwards of 3+ times, no resolve! 6. Validate this debt.
I have recorded conversations with them which will prove my utterance. it's perfectly legal in Texas to record conversations, this is a one party consent state. I am now reaching out to my Congresswoman, my Senator 's office and DC. I am also starting a petition on XXXX, my hope is to get enough signatures to stop this people. Judging from all this complains, that will be a walk in the park. Enough is enough..
Desired settlement : Delete this apparent joint debt from my credit report.
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| 01/17/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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National Credit System is attempting to collect on a debt that they claim I, my wife and roommate owe for XXXX XXXX XXXX claiming they were not giving notice of our move out. I sent them a letter requesting that they validate the debt and provide documentation that they are licensed to collect this debt. They have ignored my dispute letter which included the notice of intent to vacate that I sent to XXXX XXXX XXXX and are now threatening to report this debt on my credit report and the credit reports of my wife and former roommate if I do not pay them immediately. They claim they did not receive the dispute letter I sent but I have proof that a representative of theirs picked up the letter and signed for it at the PO Box they instructed my to send a dispute letter. They have also ignored my verbal requests for the documentation validating that this debt is valid and that they are properly licensed to collect it.
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| 10/05/2019 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Received a letter from XXXX XXXX XXXX in XX/XX/XXXX regarding an invoice stating we owed money. Contacted the company immediately upon receipt and was told by them they they did not have to provide any information to validate debt ( which they have to provide under the FDCPA ). I disputed the debt as I didn't know what it was for. I have made several attempts over the last two years to have this removed and company refuses to do so, despite not wanting to follow the law regarding debt collection practices. I pulled my credit report this year, and noticed that the debt had been sold to a debt collector National Credit Systems in XX/XX/XXXX. Despite them accruing the debt at that time, I have not received any letter from them to verify the debt. I attempted to dispute the debt through CRA due to the failure to provide proof of validation of the debt and they continue to fight it, but also refuse to follow the law.
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| 09/01/2021 |
Yes |
- Debt collection
- Medical debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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In XXXX I contacted National Credit Systems , Inc . I explained to them that my information was incorrect and that I had already taken care of this through the original client. It seems that they had the incorrect information regarding my insurance. I was on XXXX XXXX and XXXX at the time services were rendered. I also asked for original documents to be sent to me regarding this matter. I was told they would be mailed out and I was told they would give me a call back after investigating. I have yet to receive the documents and I have yet to receive a call back!
I contacted National Credit Systems again today XXXX regarding this matter once again only to be told that the will send me an itemized bill of the charges.
Well I should have been sent that before this was ever placed on my credit! I should have received that when I called two months ago and requested it!
I am needing the company to delete this ASAP.
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| 07/10/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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Hello, I moved out of XXXX XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX, phone XXXX, in XXXX of 2018, my lease expired in XXXX of 2018. I paid my full amount owed at the time I moved out of the property including pro-rated rent for the portion of XXXX I did not reside at the property to satisfy my lease. Please note I never had a late payment in my tenure as a resident at this rental property, ~XXXX years. My credit profile prior to this erroneous credit notification has been exemplary.
XXXX XXXX never contacted me regarding a residual balance. Now 9 months later they have sent me to collection for a balance of {$100.00} with creditor Nation Credit Systems , Inc. XXXX XXXX XXXX, XXXX , GA XXXX, phone number XXXX.
My credit profile should not be impacted due to XXXX XXXX in office book keeping deficiencies. I feel this is a malicious predatory business practice that is unfairly persecuting me, the consumer.
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| 03/31/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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The collection company NATIONAL CREDIT SYSTEMS , INC has been charging me for a while now the amount of {$2200.00} and I have just been sent an offer to pay half {$1100.00}, for a concept of a debt of XXXX XXXX XXXX, ( in XXXX ),, The problem is that I have never lived in these apartments or have any debt to them ( I have been living in my house since 2008 ) I contacted NATIONAL CREDIT SYSTEMS and they told me to send them my credit report and copy of my ID,, but I did not do it because I do not want to give you more data to reinforce this erroneous collection,,, when I spoke with them they mentioned a date of birth that does not correspond with mine, " so I suspect that they do not have my correct SS, BUT THEY ARE AFFECTING ME IN MY CREDIT XXXX SCORE ( in the other 2 credit bureaus this debt does not appear ),,, They only have my name and with it they took my address to try to collect a debt that is not mine.
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| 01/21/2018 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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NATIONAL CREDIT SYSTEMS #XXXX XXXX XXXX XXXX XXXX, GA XXXX
(XXXX) XXXX
National Credit Systems has 2 erroneous debts on my credit report for XXXX XXXX.
NATIONAL CREDIT SYSTEMS #XXXX placed for collection: XX/XX/XXXX Balance: $XXXX and Placed for collection: XX/XX/XXXX Balance: $XXXX XX/XX/XXXX.
XXXX Credit report shows false debt has been disputed by me:
Remarks: ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed: XX/XX/XXXX
National is aware this is a false debt as I currently reside at XXXX XXXX, my lease has been renewed each year in my name since XX/XX/XXXX, because I paid all my debt to XXXX XXXX
National Credit Systems is aware of this fact as they just mailed me a letter to my current residence at XXXX XXXX.
I have provided a copy of my account ledger, which illustrates, I am still a XXXX XXXX tenant and my account is in good standing.
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| 05/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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We were forced to terminate a residential lease early due to a death in the family in 2013. The leasing company tried to negotiate for us to pay for the house until they re-rented it - we did not agree, however, they proceeded as if we did. We paid two months rent, plus they kept our deposit, and instead of applying it to the termination fee, they tried to collect two additional months of rent and a cleaning fee. We have refused to pay it, since it was incorrectly calculated. They have refused to discuss it with us, maintaining it " meets FCRA requirements ''. Now, their most recent antic is to change the date on the report, so it looks like we started paying on it - we have not, nor have we negotiated any kind of settlement. The inconsistency of their reporting across the XXXX bureaus alone disqualifies this debt from meeting FCRA requirements. Their failure to provide any written proof of the debt is another.
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| 03/18/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After reviewing my credit profile on XX/XX/XXXX I identified a discrepancy with accounts listed under National Credit Systems. I requested a validation on XX/XX/XXXX as this was an account that I did not recognize. I reviewed my credit report again on XX/XX/XXXX and the account continues to reflect on my credit report and I have not received any correspondence from creditor to validate these accounts as correctly belonging to me despite my credit report reflecting that the account is disputed and therefore a 2nd validation letter was sent out on this day. I do not believe the account belong to me nor do I believe that the creditor has authorization to attempt to collect on the account and the account continues to negatively affect me. Please strike and remove this account from all 3 credit bureaus until adequate validation has been received proving that the accounts belong to me and all information is correct.
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| 11/21/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I sent a initial dispute letter to National Credit Systems on XX/XX/2018 ; follow-up letters on XX/XX/2018 and XX/XX/2018 asking the company to validate and verify the debt. Tell this day I did not receive proper validation of debt of ownership of dept from National Credit System. The company sent me a part of a rental lease an a bill. This isn't proper validation under FDCPA. Not only did I request for validation of debt, proof of ownership and many other requirement by law, I also provided them proof of inaccurate reporting errors on my credit reports.
Also, I sent disputes to the all three credit bureaus ( XXXX, XXXX and XXXX on ( XX/XX/2018, XX/XX/2018, XX/XX/2018, XX/XX/2018 and XX/XX/2018 ). Again, asking for proper validation and investigation of inaccurate reporting data.
Unfortunately, I only received letters from the credit bureaus stating the account was " verified as accurate ''.
Please help!
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| 07/15/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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The National Credit System garnished my paychecks in the amount of {$1800.00} starting on XX/XX/2022. The garnishment stopped on XX/XX/2022. I've contacted the company several times about this issue and they told me it would be removed from my credit once it was paid off and pay an additional {$94.00} court fee plus a processing fee of {$4.00}, which was paid on XX/XX/2022. I've asked for confirmation via email and they told me that I would receive confirmation after 30 days. After that 30 days, I didn't receive any confirmation nor was it removed from my credit report. I've contacted them and explained that the issue is still showing on my report and I need confirmation that it was supposed to be removed. As of now, it still shows that I owe the company the debt amount, but aligned with different account numbers. I have documentation from my previous employer that states that the debt has been paid in full.
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| 02/17/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
Servicemember |
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in 2022 i called this company to informed them that i dont owe them anything or i dont owe the company who they are trying to collect for. the company park place apts sold me a surety bond stating that it will cover any expenses once i move out the apts. well when i moved the company did not hold up their end of the bargain. i have a legal binding document stating that i am not responsible and that i was covered by a bond that they sold. park place apts are a scam and scandalous. these apt was bought out due to poor customer service and stealing from customers. why sell a product if its not going to cover the insured. i contacted national credit systems and uploaded proof but the continued to be rude to me and demanded that i pay. i also had park place attorney to call to let them know that i dont owed anything and they continue to be rude. national credit systems need to be investigated for fraud collection
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| 11/22/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Moved to XXXX XXXX XXXX XX/XX/XXXX to XX/XX/XXXX. Prior to moving out I called XXXX XXXX XXXX XXXX XX/XX/XXXX requesting exit walk through as stated on lease. No response from the front office for a clearance. XX/XX/XXXX I was called and emailed with false accusations I damaged carpet and carpet had to be replaced. Also told if I did not pay for damages it will be placed on my credit report. XX/XX/XXXX I tried to inform XXXX XXXX XXXX XXXX did not damage carpet and proof images of carpet before I moved out. Front office told me it doesnt matter what proof I have, I will have to pay for damages. In addition, tried to resolve issues with XXXX XXXX XXXX XXXX management authorities. Next attempt help resolve issue was dispute credit with all 3 bureaus year XXXX and XXXX. As of today still no resolution. I am annoyed and overwhelmed because this is not my character and do not have a history of behavior accused.
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| 03/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I first contacted National credit system XX/XX/17 when I was notified of the collection placed on my report from XXXX. I do not owe the balance of {$2300.00} that has been stated I owe I have spoken with the corporate office of Villages of Hikes point they confirmed that I do not have an account nor do I owe an balance. I have disputed this debt several times with no resolution between the furnisher or the credit bureaus there was no notice given letter mailed or contact the company just slammed the debt on my credit report. once i began to dispute i started receiving harassing calls and threats to damage my credit report without a proper conversation for me to deny I owed the debt I have also spent numerous amount of money on repair companies to have this removed nothing resolved i always pay my debts but I will not pay an account that I do not owe. however this has brought many damages to my credit rating
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| 10/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
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|
Web |
Servicemember |
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My name is XXXX XXXX and in 2015 our leasing agency filed for eviction because we fell behind on rent this was our second lease and we were a military familiy and I was awaiting my MEB which is the medical evaluation board for the XXXX XXXX. I am a wounded warrior in a XXXX and the XXXX applied then and the company knew of my military service. Then after they seized our residence they sue us for damages that were non existing. Since that eviction we have been mostly homeless and unable to find adequate housing. They had given the XXXX damage bill to debt collectors numerous times and I try and get it removed it always popped back up. Now they have sued only my wife I'm small claims court. My wife is a XXXX XXXX I am her XXXX do too her condition. They probably oy sued her because she isnt a military member but she is a military spouse. If you could please help us with this situation it would be appreciated.
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| 04/11/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
|
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This complaint is in response to complaint # XXXX. NATIONAL CREDIT SYSTEMS provided documentation in the complaint in regards to the XXXX XXXX XXXXXXXX XXXX XXXX. I am a private natural man and will be addressed as so and the documents they provided proved what my initial complaint was about which is they are a third party which means pursuant to 15 USC 1692c I never gave permission directly or indirectly for this third party to communicate with me. Pursuant to 15 USC 1692c I demand you cease all forms of communication including the CRA 's. Credit reporting is a form of communication orally, in writing, and electronically. The documents you provided also proves I have no contract with NATIONAL CREDIT SYSTEMS so this company indeed unlawfully have my private location information and credit card information. This company does not have my authorization to have that private information. They have no authority.
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| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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|
Web |
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I have received the initial call from " XXXX '' who is an employee with National Credit Systems , INC at XXXX XXXX XXXX GA XXXX, back in XXXX. This was the very first call and/or notification of said debt, and I asked him to please send me an invoice, so that I can review and pay. He said to me : " Well I advise you pay it or its going on your credit report! '' and hung up on me. The second call to verify that the bill was paid, was placed by me on XX/XX/2021 at around XXXX EST, and I asked him again to verify if the bill was paid, because this never shouldve been sent to collecitons, again, he said : " Well Im not here to debate this with you, and you should call back when you are ready to handle this! '' I am shocked and appalled by the lack of professionalism and utter disrespect that this " XXXX '' person has displayed. The NCS account number for this debt is listed as : XXXX, under my name, XXXX XXXX.
|
| 09/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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I have received the initial call from " XXXX '' who is an employee with National Credit Systems , INC at XXXX XXXX XXXX GA XXXX, back in XXXX. This was the very first call and/or notification of said debt, and I asked him to please send me an invoice, so that I can review and pay. He said to me : " Well I advise you pay it or its going on your credit report! '' and hung up on me. The second call to verify that the bill was paid, was placed by me on XX/XX/2021 at around XXXX EST, and I asked him again to verify if the bill was paid, because this never shouldve been sent to collecitons, again, he said : " Well Im not here to debate this with you, and you should call back when you are ready to handle this! '' I am shocked and appalled by the lack of professionalism and utter disrespect that this " XXXX '' person has displayed. The NCS account number for this debt is listed as : XXXX, under my name, XXXX XXXX.
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| 09/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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This company is reporting false information on my credit report I do not own this debt and was in a result of identity theft i have attempted to contact this creditor and they will not discuss this with me stating i did not pass validation this account does not belong to me, i have requested proof of this debt and no communication has been sent to me per Failure to comply to request 15 U.S. Code 1681o - Civil liability for negligent noncompliance ( a ) In generalAny person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court.
|
| 07/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I spoke with National Credit Systems , Inc and setup an a 12 month going payment arrangement for repayment of my debt to XXXX XXXX XXXX XXXX, XXXX XXXX, in the amount of XXXX that began on XX/XX/XXXX, which will be complete in XX/XX/XXXX. In spite of this they continue to send the attached letters which state that any future landlord or credit grantor should not consider this as confirmation of an on going arrangement. This seems to be a violation of my rights as a consumer who in good faith has worked out an agreement with this company, which in my perception threatens to intentionally harm my credit and prevent me from using this arrangement as a positive payment history after an agreement has been made. Also, they do not receive checks from me the only way that the representative told me that I could make payments was with a debit card and they are falsely reporting that I'm submitting checks to them.
|
| 09/17/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
After receiving my credit reports, I noticed a fraudulent bill for over XXXX dollars placed by a former landlord on my credit history. My requests for removal via dispute process was denied, reason being amount disputed was verified as correct by the debt collector used by the landlord. Housing Court confirmed this debt is in fact not, correct, and there are no open cases or judgements against me for that amount. This was clearly done as retaliation for me calling our State Health Department which is illegal. Receiving a picture from a former neighbor of men in hazmat suits entering my former apartment verifies that in my view and opinion. This landlord demanded payment yet refused to change my carpets after getting a doctors note as directed and remodeled the entire apartment complex except my apartment contributing to sickness, homelessness and denial of other housing based on fraudulent credit reports.
|
| 03/06/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a letter in the mail from this company saying I owed money and called them to confirm. My first call i spoke with a representative who told me this debt was for a house I rented and she spouted off an address where I have never lived. I then asked her for a copy of the leasing agreement so I could verify this debt. The representative became combative and asked me why did I need verification of the debt. I told her its my legal right for the debt to be paid and I wanted documentation. I have just now received documentation but out of a 20 page leasing agreement I only received 5 pages. NONE of which can verify that it was ME who this debt belongs too. There's no copy of my ID - no date of birth information or even my social on any of the incomplete paperwork that was sent. I would either like proper verification of this debt or I would like it removed from my credit report for failure to verify.
|
| 10/14/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Told you not to respond to a lawsuit they filed against you
|
|
Web |
|
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XX/XX/XXXX 30 day notice XXXX XXXX XXXX XXXX. XX/XX/XXXX spoke to XXXX XXXX XXXX from XXXX XXXX sheriff department where he told me no writ of positions or eviction given to him on my behalf. XX/XX/XXXX storage unit rental agreement n deposit for new house dated XXXX with all due respect please see attached sec8 voucher policy if I owed any or that money they ( XXXX ) would of reported to my sec 8 voucher but they never did this is all conspiracy by XXXX XXXX XXXX XXXX and XXXX attorneys XXXX siblings due to retaliation in attempt to destroy and sabotage my credit XXXX XXXX attorneys set me up idue to complain filed on the XXXX that fell in my favored back in XXXX this is retaliation. They placed eviction stickers on my appt 5 months after I moved in attempt to humiliate me. Not to mention the harassment and calls all day by creditor. I have att I did not pull up call log but can if needed. Thank you!
|
| 08/27/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National Credit Systems and XXXX XXXX XXXX It is against the law in Arizona to not do a final walk through with a tenant.
Remove this false non legitimate information from my credit report.
Both companies are committing a crime by taking action and it needs to be resolved. I have not been worked with by NCS they have NCS REP XXXX ONLY acknowledged the fact that what I am saying is true. XXXX XXXX XXXX failed to follow the law and preform the final walk through. XXXX at XXXX XXXX says NCS has the authorization to remove this not XXXX XXXX. However, NCS states it is ONLY up to XXXX XXXX XXXX to approve the removal of the false and defamatory information being reported. This is non legitimate debt not supported by Arizona state law because no walk through was done by the XXXX XXXX XXXX representative XXXX as scheduled for XXXX on XX/XX/XXXX he no showed. I waited until after XXXX.
Please resolve this!
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| 04/18/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
National Credit Systems is attempting to collect a debt for an apartment complex that I never lived in, nor have I ever been associated with. I am a victim of identity theft. A few years ago my office was broken into and several documents were stolen, including my social security card, driver 's license, passport, and bank cards. Several accounts were opened in my name and a fraud alert was placed on my credit file. No apartment lease should have been executed given the fraud alert on my credit file. I filed a police report with the XXXX Police Department after my office was broken into and have attached a certified copy of this police report to this complaint. I previously disputed this through the CFPB and the debt collector asked me to contact them outside of the CFPB portal so they can look up my account.
For their reference, my account number is : XXXX Last four of social : XXXX DOB : XX/XX/1986
|
| 06/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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my mother moved in XXXX homes in XX/XX/XXXX or XX/XX/XXXX, she is a XXXX patient an at the time could n't stay alone so i moved with her pregnant and could n't work at the time i was told being over the age of XXXX i had to sign the lease as well, later in the months my mother told me to leave her home, after wards she moved out months later, me not knowing she owes anything, now i am trying to get an apartment but national credit is saying i owe as well as my mom XXXX dollars she is living on XXXX and cant afford the debit but its stopping me from getting an apartment because they keep denying my disputes and continuously applying it to my credit report i do n't know what to do about this i contacted the XXXX housing authority but they said they apartments were demolished years ago an they do n't keep those files any more its not them looking for those payments but the collection agency is please help
|
| 07/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Original creditor XXXX XXXXXXXX XXXX send a bill of {$2500.00}. Because of their property manager 's wrongdoing and overlooking notice in advance by emails of lease nonrenewal. To top it off the property manager sent me leasing pricing cheaper than what she wanted me to Renew. I have many claims on this property manager.
The property manager was not able to get me for any damages because I'm certainly not filthy like the residents they allow to live at the filthy building where I paid for trash service. Then comes up with bogus charges of trash on the final invoice to steal my deposit. I'm sure this property manager does this many times. Too many people. She's a theft and I will be looking into further actions to get back my security deposit and legal damages.
Then I get a bill of {$760.00} from collections clearly the property manager is playing games and think is okay to mess with families money.
|
| 11/06/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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This account was placed on my credit report in XXXX. Since this alleged debt has been on my credit report, I have been homeless 3 times because I can not find adequate housing. Then when it is time to find another home its almost impossible. I have been denied form or passed over for at least 50 apartment homes in the past 6 years. I contacted the CRAs as well as National Credit System in XX/XX/XXXX. I was told the debt was investigated and came back as valid, although 15 usc 1681a ( e ) says to investigate any alleged debt, they would have needed to interview my friends and neighbors ( they did not ). On XX/XX/XXXX I sent National Credit System an affidavit of truth, they never rebutted or responded to the affidavit. I noticed that it was still on my credit report so on XX/XX/XXXX I sent a cease-and-desist letter, still not response or removal. I need help National Credit System is ruining my life!
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
There is information that in on my consumer report that is a result of identity theft. I did not provide my written permission or instruct for the identified items to be reported on my consumer credit report. I am requesting that the reporting of this information be deleted and blocked from my consumer report. My request to block all identified accounts listed below is not being made in error ; nor is my request to block being made on the basis of material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transaction by me as the consumer : Account Name : National Credit Systems Account Date : XX/XX/ You are required to do what I am asking and block the transactions from being reported to my consumer report within 4 days from the date of this notice. I look forward to your response.
Thank you
|
| 07/22/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
Older American |
|
XXXX years ago I moved from The XXXX apartments in XXXX, TN. I bought a home. Before I left I cleaned the apartment but did leave some things that the cleaning crew or painters could have. These were things like a comforter, electric skillet, some glasses ... .all in excellent condition. I also took pictures of the apartment after I cleaned it. There were holes in the wall that would need patching because I had my t.v. hung on the wall. They called and said I owed then {$120.00} because I left junk, the refrigerator was not clean enough and the holes would need repair. I told them I cleaned everything and the stuff I left in the middle of the room with a note saying they could have, was not junk. I did send them a check for half of the amount, {$65.00}, for repair ( patching and painting ) the holes in the wall. They put the whole {$120.00} on my credit report and it has lower my good credit score.
|
| 12/02/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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I filed a police report for identity theft on XX/XX/XXXX. Someone used my identity to rent an apartment and has a debt for {$15000.00} unpaid. I found that by viewing my credit report and found a collection there which didn't belong to me. So I called the collection company and they asked me to call the XXXX XXXX XXXX XXXX XXXX. I called them and get the information below. Then I sent them the affidavit for they requested and ask them the send me the leasing agreement of this debt. They did that and I found they don't even have my signature on it. I have attached the leasing agreement below as the supporting doc.
Original debtor XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, PA XXXX, XXXX ) Debt collection company : XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, GA XXXX, XXXX ) XXXX XXXX XXXX XXXX XXXX ( XXXX, account number : XXXX ) Lease contract starts : XX/XX/XXXX Eviction filed : XX/XX/XXXX
|
| 07/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
On my previous complaint against National Credit System complaint number XXXX I stated the unprofessional way that I been treated by National Credit System and letters that I have sent to them about a debt verification for the account that they are reporting to my credit report. They resolution yo complaint XXXX was the following, STATUS Company responded on XX/XX/2020 RESPONSE TYPE Closed with explanation Company 's Response NCS has completed an investigation of all seven social security numbers associated with Mr. XXXX. One is confirmed bankruptcy so we have closed this account and requested a removal from his credit report. Thank you.
At this point that account still showing in my credit report affecting my financial reputation and been affecting me for years because National Credit System failed to appropriately investigate the several disputes that I been sending to them and credit bureaus.
|
| 08/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I moved out of complex on XX/XX/2017 left voice mails gave 30 day notice I placed the key in the drop box and cleaned up complex I was charged for damages and there were no damages when I moved out of complex. complex kept the deposit I paid which was {$300.00} on XX/XX/17 company stated I did not pay deposit but I have receipt of payment stated I skipped during eviction process company never started an eviction process contacted creditors about charges on XX/XX/XXXX company had agreed they have no contract for me as they have sold the company and agreed to close the account out I have spoke with corporate many times in regards to this as the collection agency was very rude and nasty to me when calling would not listen or give me help I was told by the corporate office to dispute the account and the account would be removed from all credit bureaus so far account has only been deleted from 1 bureau
|
| 07/14/2017 |
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
|
|
Web |
|
|
I 've sent in certified letters for at least 4 months to get a frivolous statement or letter saying verified. By law it is required to investigate the consumers credit with authorization of the consumer and the credit bureau and creditor must have a signature of mine but theirs no documents shown that and the credit bureau and the creditor falsely agree to verify without and reliable documents. The information is inaccurate and false. I have been suffering a great deal of pain and I am truly XXXX XXXX that an error on my credit report has cost me a great deal of pain and suffering. A measly credit error has ruined my life and the next step is to file a civil suit with XXXX XXXX, XXXX XXXX XXXX and XXXX. Verbal verifications can not verify information or documents, without consent of the consumer their should n't be no verification. Both the creditor and credit bureau had broken several FCRA laws.
|
| 05/05/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
The company claims that I owe a debt, I have asked the debt collection manager and their supervisor on how to dispute the debt, simply because I do not owe it. They both said you have to wait until you get your breakdown of charges, I have been waiting 3 weeks to recieve a breakdown of charges from this company. Called back and they advised that they sent it to the wrong address. I corrected the address with them again, and have not recieved it yet. The orginal company that claims I owe this debt has gone out of business. I went to XXXX XXXX XXXX in GA, and they do not show a judgement against me from the apartment complex or management company. I sent the collection ageny a fax containing letter asking for it to be removed, and proof that I do not owe the debt on my own not knowing the correct way to dispute it. They were only interested in talking about money, and not a way to get it corrected.
|
| 05/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I do not have a signed contract agreement with National Credit Systems therefor I do not owe any money to National Credits System.
I am requesting a signed copy from XXXX XXXX showing my signature for the charges of {$1000.00} ( not the lease ), where did I sign agreeing to these charges? A receipt is not an acknowledgment without my signature stating that I agree to those charges. A copy of a lease is not acceptable!! Please show me a signed signature on the receipt stating that I owe that amount to XXXX XXXX ( again not a copy of my lease!! ) and that I agreed to those charges. The lease is not proof that I owe {$1000.00} to XXXX XXXX.
Again, I don't have a signed contract agreement with National Credits System. National Credits System needs to provide me with proof that I owe National Credits System. Provide me with a copy of a signed agreement between myself and National Credits System.
|
| 06/19/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I've contacted National Credit Systems on 3-4 occasions regarding incorrect reporting. I have a dispute through credit reporting the debt remains on my report. I did notify Rep the debt did not belong to me but my daughter and should not be on my credit. After speaking with an agent ( XXXX XXXX ) on each occasion, I was told there would be a packet sent to me regarding the dispute. I was not a co-signer. Have not recvd pocket. XXXX XXXX contacted me on XX/XX/2018 stating she had spoke with my daughter and my daughter would pay the debt. I again advised Rep the debt belonged only to my daughter and not me. I did mention to the Rep as my daughter did, I was considering filing Bankrupt and did not want the debt labelled as bankrupt showing on my daughter 's report. Rep stated again, my daughter had agreed to pay debt. The debt is in the amount of {$1800.00} placed in collections by XXXX XXXX XXXX.
|
| 10/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone rented an apartment in XXXX, Florida in my name. They did not pay for the apartment and they ended up owing the leasing company {$7500.00}. This showed up on my XXXX credit report and is making it hard for me to rent an apartment. The only time I ever lived in Florida was when I was about XXXX XXXX XXXX, so there is no way this could have been me.
Later on, someone rented an apartment in XXXX, GA, in my name. Again, they did not pay their rent and ended up owing the leasing company {$21000.00}. According to my credit report, the date of first delinquency was XX/XX/2019. At that time, I was living in XXXX, GA, where I attended the University of Georgia for XXXX years to earn a XXXX XXXX. So again, I was not living where this apartment was rented and this could not have been me.
I am trying to rent a new apartment now and this history of identity theft is making it impossible for me.
|
| 10/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 NATIONAL CREDIT SYSTEMS stated the account was REMOVED from my dad 's consumer report. I am still being violated by them. They are still reporting on my consumer report. XXXX XXXX stated it would be removed and it has not. They are damaging my character and in violation of 18 of the FDCPA Laws as you can see in Exhibit A, and C. As you can clearly see there is nothing but harassment from NATIONAL CREDIT SYSTEMS By reporting this debt to the credit bureaus it is causing damage to my character and that is Harassment under 15 USC 1692d ( 1 ) Pursuant to 15 USC 1692k - Civil liability, 15 USC 1692k ( a ) ( 1 ) and 15 USC 1692k ( 2 ) ( a ). I demand remedy by paying the invoice included of {$18000.00} and immediate Deletion from all consumer reports for my Federally protected consumer rights. please investigate this matter and help me from further harassment. Thank you, XXXX XXXX XXXX
|
| 01/03/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
The collection account from National Credit Systems with amount of {$290.00} on my XXXX credit report does not belong to me. Verified via multiple sources, it rather belongs to a person with same last name, similar first name, different date of birth and social security number, who happened to have lived in the same apartment community as I did.
I disputed this account at XXXX but they listed this person 's name and address as one of mine and indicated this collection is " verified as accurate '' as the result of this dispute.
I also tried to contact National Credit Systems. I don't have any account on their record but they refused to offer any help correcting the false report, instead their customer representatives tried multiple times to trick or mislead me to admit I owe the money and make a payment.
Attached proof from the original creditor showing me having XXXX balance with them.
|
| 08/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I went to XXXX XXXX Apartments Inquiring about a Apartment at the end of XX/XX/2020 I paid a application fee but I never moved in. A debt owed of XXXX dollars was reported by XXXX XXXX XXXX to National Credit Systems saying that I owed the debt for leasing a Apartment which I never did. I was not aware of this debt until I went to lease an Apartment. I contacted the Apartment Complex and they told me they don't keep records of leases over a year. I also had someone else to call on my behalf and they were told they was trying to find the lease. I was denied entry into XXXX XXXX Apartments because of XXXX XXXX XXXX falsely reporting that I owed this debt, which from my understanding is against the FCRA that list civil penalties for people or businesses that willfully refuse to comply with accurate credit reporting and I also understand that actual damages are limited to a range of XXXX to XXXX.
|
| 12/06/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I moved out of XXXX apartment on XX/XX/XXXX and paid all my utilities and closed my utilities account.
When I saw there is a debt collection on my credit report, I reached out to National credit systems ( NCS ). NCS said that I did not pay utility bills and the documentation they provided says that payment activity and move-out date was XX/XX/XXXX. I asked them to provide any proof to prove that I stayed at XXXX apartments during XX/XX/XXXX but they did not provide any details and also they did not give me any contact details to reach out to Utility services.
Even though I gave a call to first billing services where I used to pay my utility bill during my stay in XXXX Apartments and representative said that all payments are done and account is closed long ago.
NCS is fraud and very rude on phone calls and not even trying to resolve the issue that they fraudulently reported on my account.
|
| 06/29/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
Im submitting a complaint and seeking justice against XXXXXXXX XXXX XXXX located in XXXX, XXXX. This company overcharged me for several months for a water bill between the amount of {$380.00} and {$560.00} every month while renting a XXXX bedroom apartment. Their unscrupulous behavior constitutes extreme violations of clearly established laws. They committed these hardships on me and my family without any remorse. Im suffering because they have now reported inaccurate information to the credit bureaus. Im suffering emotionally and mentally. Im seeking justice and help with this matter. This wicked pattern of unlawfulness should not be tolerated in state of Alabama and XXXX XXXX of XXXX and the city of XXXX.The defendants in the matter should be held accountable for their wrongdoings in a court of law. All of what I stated took place last year 2022 between the months from XXXX to XX/XX/2022.
|
| 03/31/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
When terminating the lease with XXXX we spoke with multiple agents including office manager XXXX of multiple conduction along side fire hazard as well as molding within the unit. Due to XXXX XXXX we as tenants were forced to move out. With that being said a home was purchased and upon agreeable conditions we would provide 60 day notice and terminate the lease with zero penalties and no additional cost, Today XX/XX/22 a notice of collection was received in the amount of XXXX for breaking the lease and whey conduction information XXXX could not provide any further information as she was not aware to what charges were issued to us as tenants. All documentation of move out were conducted with XXXX and a fellow leasing agent who has been terminated based on this case. we as tenants or consumers were never notified of move out cost or a final bill. notification came directly from collection agent.
|
| 01/06/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2020, National Credit Systems INC. reported a delinquent account to my credit report. They said an apartment complex called XXXX XXXX XXXX XXXX in XXXX XXXX XXXX retained them to collect an amount of {$3200.00} owed to them from me in back rent. I live in XXXX XXXX XXXX XXXX XXXX during the time of the lease in XXXX XXXX XXXX also a victim of identity theft ( I have a report for this ).. I contacted the company after seeing the account on my credit report and I emailed them a copy of the police report, I emailed them a lease for my home in XXXX for the dates the lease was signed in XXXX I also sent them paycheck stubs from my XXXX XXXXXXXX during those dates as well its been over a year going on XXXX years since Ive emailed those things and the company will not remove the account from my credit report. Im now XXXX because no one will rent to me with owing a previous landlord!
|
| 07/20/2021 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I was living at XXXX XXXX XXXX in XXXX. I lived at the apartment complex for two years. The department manager filed an illegal claim against me due to racism, and for a compliant I filed a complaint with HUD against the maintenance man.
Later XXXX XXXX file an illegal claim for rent and possession. I did not owe rent. I was not late, and the apartment manager told me that she was going to file this claim against me, and would not post my rental payment to my account.
XXXX XXXX lawyer file an illegal claim for rent and possession. The court granted XXXX XXXX possession, but they got a XXXX money judgment. I was not served properly, and XXXX XXXX submitted a false affidavit that I waived my rights during the pandemic.
I was checking my credit scores when I found that they use a company NATIONAL CREDIT SYSTEMS and put this on XXXX XXXX credit report. My credit scores went down XXXX points.
|
| 12/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
|
|
I received my move out statement from my landlord. We disagreed and i disputed the charges within a week. XXXX called and i let them know Ive sent a dispute and waiting for a response. No response from the landlord so i took initiative to call XXXX for a follow up. XXXX XXXX was not in office at time so i left a voicemail stating my concern and requesting a call back ASAP. No response from the landlord proving the debt or countering my dispute. No response for XXXX after i made efforts to resolve this matter. My credit has been terribly damaged and XXXX keep sending letters in the mail threatening to take legal action/garnish wages but cant do their due diligence. I havent even made a payment plan with XXXX. Both company and landlord has refused to communicate and have ignored my disputes. I want this removed from my credit immediately as i havent received proof or response to my disputes.
|
| 04/20/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I recently checked my credit report on XX/XX/XXXX to check the status of a dispute. The dispute was with The XXXX Apartments located in XXXX, NV XXXX. I was a resident there for 1 year and completed my full 12 month lease ( XX/XX/XXXX ). Once I moved ( XX/XX/XXXX ) I was verbally told by the property XXXX ( XXXX XXXX ) that I would be given a final bill sent to my new address in XXXX XXXX, CA. I noticed on my credit report that I was sent to collections for the amount of {$1700.00} on ( XX/XX/XXXX ), however my report also states the collection amount was updated on ( XX/XX/XXXX ). I would like this removed from my credit report in full due to not receiving a fair bill sent to me as I was instructed by the property XXXX, and I had no idea my final bill was in collections until I looked at my credit report. The collection agency address is : XXXX XXXX XXXX XXXX XXXX, GAXXXX ( XXXX ) XXXX
|
| 06/30/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX office continues to communicate with me about a debt that they are trying to collect on after being told to cease communication with me since they are the second collector on this debt. National Credit Systems is also collecting on this debt ACTIVELY as noted before, per their response on XX/XX/2018 via the CFPB. Ive also asked numerous times for a MOVE IN statement which conviently they wont produce, as XXXX is well aware that their residences are filthy and they pend previous damage on unsuspecting tenants as lawsuits and reviews are public to expose. However, I will have my attorney in contact with all three parties to determine what is legally acceptable after reviewing. I do know as of XX/XX/2018, neither of your agencies are licensed and bonded and authorize to collect on debt in Ohio, which are required per state law, which puts you in violation. Thank You and XXXX Bless.
|
| 09/17/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am writing to dispute the debt that is currently appearing on my credit report. According to my records, I do not owe this debt and it is not mine. I request that you provide me with proof of the alleged debt, including the name and contact information of the original creditor, the amount of the debt, and any documentation that you have to support your claim. I also request that you notify the credit reporting agencies that this debt is in dispute and request that it be removed from my credit report until the dispute is resolved. If you are unable to provide me with proof of the debt, I request that you close the account and remove all negative information from my credit report. Please be advised that I am aware of my rights under the Fair Credit Reporting Act, and I will not hesitate to take legal action if necessary to protect those rights. Thank you for your attention to this matter.
|
| 06/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XXXX XXXX ( appartment building ) was uninhabitable due to a cockroach infestation. Efforts were made over months to correct the problem to no avail. I terminated my lease legally according to AZ XXXX for uninhabitable conditions. XXXX issued a fraudulent move out statement with over {$4000.00} of early termination fee and insufficient notice fee and other fees. Ironically their own statment proves they knew about the cockroach problem ( pest control charges ), and adequate notice was given ( notice date ). They even kept rent paid after the move out date ( that should have been returned ) to offset against these fraudulent charges. Then they submitted the charges to a collection agency that reported them to the big three credit agencies just weeks after move out. If you search XXXX reviews for XXXX XXXX apartments in AZ, you will find many more reports of cockroaches and illegal tactics.
|
| 03/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
Hello!
I checked my credit yesterday and noticed that an address where I have not lived before popped up on my credit. Then today, I noticed that my credit dropped XXXX points. I saw it was from National Credit Systems. I sent two emails describing that I am a victim of Identity Theft due to my mother taking out credit cards and now rent, in my name. I have yet to get a reply from them. I have been calling and no one is answering. ( The number on the site. ) On my credit it said it originated in XXXX, but it is just now popping up on my credit. My mother passed in XXXX, and I am still dealing with the consequences of her taking stuff in my name. I already have the identity theft report on my credit. I am XXXX XXXX military and I have been XXXX XXXX since XXXX. I just came back to the states less than XXXX XXXX ago. Attached is the report as well as my orders stating I do not live there.
|
| 08/14/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I recently submitted a complaint with this company about a debt I knew nothing of. After I received the information I requested. The amount of debt owed is incorrect. I have proof of this.
The letter attached was turned in to their front office XX/XX/2021. The keys were turned in the night of XXXX, XX/XX/2021 to the after hours drop box ( same location keys were dropped off ). I called out from work by emailing the callout line that same day.
XX/XX/2021 maintenance man came to my door with my Intent to vacate letter that was submitted to the office. He was addressing the leaking water pipe that no one had came to fix after I submitted a formal maintenance request which is also mentioned in that letter.
I have submitted a dispute on my credit report as well due to this situation. Please contact me at ( XXXX ) XXXX to get this amount corrected and I will pay the CORRECT amount owed.
|
| 12/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit System XXXX. XXXX XXXX XXXX, GA XXXX Re : XXXX this company is trying to collet {$10000.00} from some apartment complex named XXXX XXXX XXXX XXXX XXXX XXXX Located in XXXX XXXX Florida, On XX/XX/2020 I try calling and searching for the apartment complex, it does not exist. i also called the collection company the person who answer was XXXX XXXX XXXX I asked for the phone number of XXXX XXXX XXXX XXXX XXXX XXXX she refused to give that info and said they are not allowed to provide information like a Phone Number for XXXX XXXX XXXX XXXX XXXX XXXX that i need to research by myself, she ask for my personal info. She want me to pay full amount to them and tread me if they send me a package to investigate a Froud this will take months and that the only solution is to pay full amount cause XXXX XXXX XXXX XXXX XXXX XXXX XXXX company that do not exist ) do not take settlement.
|
| 07/15/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I 've contacted National Credit System for 3 months prior to a previous certified letter I 've sent out a month ago pertaining to a fraudulent account on my credit report by the name of National Credit System and XXXX have failed to assist me with this situation and have caused a great deal of problems to me and my life. Both companies are failing to respond to my letter and have n't sent me anything to show me that they took the proper steps to verify any documents or signatures pertaining to myself. This is an error and it is fraudulent which breaks many laws in the FCRA. I was never contacted at any time when these accounts was open so I do n't know why they continued to report and verify an account that is n't mine. I received several thereatning calls from the creditor and I do n't think thats professional and I do n't want this company to contact me anymore by phone or email.
|
| 11/04/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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In XX/XX/XXXX I was notified by XXXX that someone was attempting to open a XXXX XXXX account and a XXXX account in my name. XXXX stopped it, but the criminal apparently opened a bank account in my name and has bounced checks in my name. The original credit grantor AND their collection agency have been provided proof of the identity theft.
On XX/XX/XXXX, they BOTH, in writing, promised to remove this account from my name and credit report, yet I received a letter today ( XX/XX/XXXX ) that is dated XX/XX/XXXX, that boasts that they are still reporting this fraudulent account on my credit report.
They have been provided proof, they accepted that proof, they promised to follow the FCA and remove the fraudulent information, and are now willfully breaking the laws that are in place to protect consumers by continuing to report what they know to be a fraudulent account on MY credit report.
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| 08/12/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This company has illegally obtained my personal information from a company without consent of the consumer in order to sell personal private information. I have disputed this account and have not received any information that has verified accuracy. The reporting status violates this company not sending me a 1099-C form and conspires to tax fraud 18 USC 1028 Fraud and related activity in connection with identification features, and information knowingly and without lawful authority. The malicious intent of willful noncompliance causing damage to my consumer financial reputation without legal justification. Failing to provide proper forms falls under The False Claims Act, please cease and desist all communication in regards to this account to this account. I have not received the accounting on this account which is unfair practices 15 USC 1692f. Please deleted account from your records.
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| 04/07/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have sent off a letter to National Credit Systemsfor account number XXXX, they have continuously defamation of my character by reporting this debt to my credit. I have sent them a Validation of Debt in XX/XX/XXXX they responded on XX/XX/XXXX with a letter stating they have yet to find sufficient evidence to validate this debt, the only thing they attached was a bill this could have been from any where my signature is no where on a print out, they have continue to report this debt to XXXX.I have also continued to write XXXX to let them know this company will not validate this debt to remove from credit. I have sent them another letter on XX/XX/XXXX no reply. this is was my final option I have sent another letter on XX/XX/XXXX they will not validate this debt I have asked them to remove this from my credit. I have attached all correspondences letters along with my Certified receipt.
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| 08/30/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
Servicemember |
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My wife and I resided at XXXX XXXX XXXX between XXXX & XXXX. Shortly after moving in we started getting charged with all these hidden fees like paying a monthly charge for a garage that we didn't have and didn't exsit. We were being evicted and we went to court. We had already found a place and was scheduled to move in XX/XX/XXXX. Before hearing our case the Judge had us talk to XXXX XXXX lawyer to see if we could reach an agreement. We agreed to pay the last two months rent we old and court cost. After we moved XXXX XXXX sent us this rediculous itamized bill for well over {$9000.00} and turned it over to collections National Credit Systems. I disputed the charges with XXXX credit bureau and won the dispute. Now National Credit System has been sending me threating letters saying they're authorized to settle for half the {$9000.00} or they gon na send it back to the credit bureau
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| 02/21/2018 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This company has chosen to attempt to collect a debt that is not due and has not been verified. As a customer and the person they are accusing of owing this debt I can attest to them placing this debt on my credit with neither a contract or any attempts to contact me. Also the company who sold this debt is a private real estate management company who's tactics are unethical, they do not honor their contracts and have not made the proper attempts to seek any form of payment for the debt they claim I owe. These actions from the two aforementioned parties have costed myself and my family on several occasions to live in places we did not desire to live and has changed our finances in different ways. Due to the malpractice of this collection company, I now have a blemish that I have never had before and would advise anyone that if they are dealing with this situation to take an action.
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| 09/22/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I have recently discovered what credit is and what it does for your life. Unfortunately, I do n't have good credit bc someone has run up utility bills, medical bills, and apartment collection. Someone had broken into my car a few years back and stole passport and wallet. When I call these places, i get treated like a criminal and just said forget it. I ' assuming this is associated with my information being leaked for all of XXXX area to see. I 've since calmed down. I desperately need to update and clear off what is not mine and began a new life after my divorce. The police really could n't help nor did they care to but I got some valuable information about the process with the federal trade commission. I intend to see this through until the bitter end.
National Credit Systems is reporting a debt that is not mine, and I 've made several attempts to get this handheld to no avail
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| 06/12/2022 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Seized or attempted to seize your property
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Web |
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XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The property by the name of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX violated not only my financial rights but also my personal rights. They removed my personal property from my apartment which was the direct cause of many of my items being stolen. We were not in violation of the eviction notice as it was sent out that same day. Which means we still had XXXX hours to pay. I have engaged in disputes with this company many of times over the years because of this but they are not attempting to make this fair. The agency is also reporting the collection account each month without my prior consent. Also, I did not receive a letter of notification of this debt. I request that these accounts be removed immediately due to a violation of the fair credit reporting act.
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| 09/14/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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This matter is regarding US residential management company XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX they used to manage Park on XXXX XXXX, TX XXXX.
When I moved out they said I owed for a washer and dryer, I had them move out their washer n dryer because I had my own.
For one they had never contacted me until like a year later about ANY damages I provided them with a move out contact number and address. Only heard about it when had actually went to collections and than they would not provide with sufficient documentation said charges besides a sheet of paper that said " cleaning '' and " damages '' with no description. I finally get the ledger and there's a XXXX dollar charge for a washer and dryer. I had my own I have receipts for that washer and dryer too that I can provide but they should have a work order stating that I wanted them to move out the washer and dryer.
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| 03/23/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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On XX/XX/2022, I opened a dispute claim with XXXX and XXXX for the creditor. The XXXX XXXX XXXX XXXX XXXX XXXX. The amount they are charging is incorrect. We moved out on the dates that they are charging for. My husband disputed the claim on his credit report. It is not on his credit report. I was a joint owner. My husband disputed the claim first. I was not aware that the claim was on my credit report as well. I am not sure why this amount is on my credit report if it is not on my husbands and he disputed it. I provided evidence from the apartment manager at the time stating that we ( my family and I ) moved out of the apartment complex before the dates they are changing us. I called XXXX and they were of no help. The letter from the apartment manager at the time should've been sufficient for removing the claim off my credit report. It is not on my husband 's credit report.
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| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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Since XXXX XXXX I have file 4 disputes with XXXX and 2 CFPB disputes with National Credit systems no no avail. XXXX AND NCS despite legal court documentation ( court dismissal with no money owed to XXXX XXXX XXXX ) and attached providing rental history directly from the original creditor stating there is no money owed since XX/XX/XXXX to XX/XX/XXXX ( move out dates ) and a surety bond paid out to the original creditor, they decided to record to all credit bureaus since XXXX that I still owe money to XXXX XXXX XXXX. After multiple disputes to XXXX the continue to close and delete disputes as NCS is providing valid information. This is my final attempt to both XXXX and NCS to remove incorrect account information from my credit profiles. I have yet to receive any response from NCS and XXXX refuses to acknowledge all legal documentation that goes against FCRA regulations.
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| 10/11/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
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Web |
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When I moved out of the apartment at XXXX XXXX, I was charged {$810.00} for damages that I did not do. I reached out to the property, and they made the corrections. I then received a balance sheet that reflected the correct amount of {$330.00} ( I have the proof ).
Despite the correction and the paperwork showing the correct amount, the amount they keep reporting to the credit bureau is the first amount of {$810.00}. I have disputed this with them and the different credit bureaus several times, and nothing has changed. XXXX XXXX insists that I owe {$810.00} when I have proof of the contrary signed by XXXX XXXX.
At this point, I want it completely removed. As the consumer, I have done all I can, and they continue to lie to me about the balance owed. I have tried to fix this so I can pay the balance, but they will not make the changes despite the proof from their office.
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| 05/04/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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Since, XX/XX/XXXX until to this day of XX/XX/XXXX I have been disputing with National Credit System , Inc. regarding a debt I do not owe to XXXX XXXXXXXX XXXXXXXX in the amount of {$74.00}.
I have repeatedly asked XXXX XXXX XXXX and National Credit System , Inc to provide me with proof of my signature that I have legally binding contractual obligations to pay National Credit Systems , Inc {$74.00}.
XXXX received documents to prove my claim of a debt I do not owe. Yet, they continue to undermine the Consumer Financial Protections Bureau with the results of their investigation to be accurate and without proof of evidence.
The same information was presented to XXXX and XXXX for investigation. It obvious XXXX have not investigated this claim and continue to report the information to be accurate which leaves me no choice but to file a small claim with the court system.
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| 02/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am in the process of rebuilding my credit and recently pulled my credit reports from XXXX, XXXX, and XXXX and noticed a debt that I believe that I do not owe. The company attempting to collect the debt is National Credit Systems. I do not believe that I owe this company or the original creditor which is XXXX XXXX. Apparently this is a joint account which I was " allegedly '' a co-signer. On XXXX.19 I sent National Credit Systems a debt validation letter requesting " validation '' as opposed to " verification. '' I have attached the response that was sent to me on XXXX.19. It is my opinion that what they sent me was not " validation ''. The company failed to provide me with a copy of the contract between me and the original creditor ( with a wet signature ). All they sent me was a statement from the original creditor, and a lease agreement that does not bear my signature.
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| 07/19/2017 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XXXX XXXX XXXX in XXXX XXXX, TX. failed to render aid in a housing crisis of backup sewage and water leaking all over the floors. I gave notice of needing help, and they told me to leave my rental keys in the mailbox and leave. They sent me a bill when I asked for my deposit in return after getting my children to a safe new location, they stated I owed over XXXX in fees for cleaning and damages, when in fact I do not, and the only damage was their water and sewer leaks. Today XX/XX/XXXX I received a letter from a collection agency XXXX XXXX XXXX XXXXstating I owe this money when in fact we argued with XXXX XXXX XXXX in XXXX XXXX TX. per email and no response was ever given after contact XX/XX/XXXX, I do not owe this money and my deposit was never returned to me, the landlord has failed to reply and underhand turned over no legitimate debt illegally to a collection agency.
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| 04/19/2017 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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Th e National Credit System cl aims that I owe debt. I do bot get the news from them but from my friend. They harassed my friend, telling him that I owe a debt and I did not pay for it. This really embarrassed me. I never owe a debt and do not pay for it. I called them and argue with them. I asked them to verify the debt first. However, I 've never heard them since them. Several months later, they just reported to the credit bureaus. I really can not believe it. First of all, they contacted and harassed my friend before they told me about the debt, which definitely break the law. What 's more, it is not right to report the debt to credit bureau before notifying me, especially when I asked them to verify it. I do not recognized the debt at all. I think they did it completely wrong. As an individual, I will stand up for myself and never pay a debt that does not belong to me.
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| 03/22/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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My original debt ( amount {$860.00} ) was with XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, TX XXXX ) for early termination of my lease in XX/XX/XXXX due to a job transfer.
On XX/XX/XXXX, I personally delivered a cashier 's check for the full amount amount which was signed by the Assistant Manager on duty. I also have a letter from XXXX which they faxed to my current renters showing that I have a XXXX balance with their company ( attaching copies ).
A couple of months later ( after payment ), I started receiving call/mail from National Credit Systems in an attempt to collect this debt. I kindly explained the situation and sent them copies of the paid amount via cashier 's check. Till this day they continue to contact me me via calls and mail even after I've submitted disputes via the 3 credit bureaus and even hired a credit repair agency which also sends letters on my behalf.
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| 04/17/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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There was a medical collection that was placed on my credit by XXXX XXXX XXXX in the amount of {$5500.00}. I was covered by insurance at the time and date of service at XXXX XXXX XXXX. I had also provided my insurance information. After much research, my insurance informed me that they initially were contacted by the hospital concerning myself being actively covered, which I was, on XX/XX/2018. They also informed me that the hospital never followed up and submitted an official bill for payment. There was no follow up or follow thru. Insurance claim fell thru the crack as not fault of mine. This item was then placed on my credit. My credit score decreased -112 pts. After reaching out to the hospital I was sent in several circles. I contacted my insurance who then reached out to hospital billing. My insurance denied payment as the bill was submitted after the filing limit.
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| 11/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Since XX/XX/XXXX I've written to National Credit System requesting debt validation on alleged account # XXXX, and have had no response and it is still being reported. Other requests were mailed on XXXX, XX/XX/XXXX, and XX/XX/XXXX. How could the matter be resolved when I have NEVER received debt validation from NCS or debt verification from the bureaus? So it is so just because NCS says it's so? I thought the whole purpose of the law was from them to provide proof within 30 days. It's been almost 6 months. Why hasn't this company sent to me whatever information they are sending to the credit bureaus that the account is " verified as accurate and updated ''? I don't believe the debt can be validated. I don't believe the bureaus did an investigation because when I asked how was it verified the bureau 's response was contact the creditor. I did that and they didn't answer.
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| 05/16/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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When I was XXXX years old ( 6 years ago ) I signed my first lease for my first apartment. After having my apartment broken into, possessions stolen, and in fear of my safety I made the decision to break my lease, I gave them notice and I even paid the last months rent ( which I was not there for ) thinking that it was settled, but apparently not. They say I owe {$950.00} or some odd amount stated in my lease which I have reviewed my lease and do not see that anywhere, this has put a dent in my credit and the debt collection company is reviewed as terrible. They buy small debts and try to make hundreds of dollars off of them. Please help me! Thank you. The name of the agency comes up as Natlcrsys on my credit report. I tried to settle with them for {$250.00} and they claimed they would n't accept anything less than {$640.00}. Which makes no sense and is not fair.
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| 07/27/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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National Credit Systems has reported an erroneous debt to the credit bureaus since XXXX. The amount allegedly owed is {$5300.00}. The original creditor is premier property management. In XXXX, a letter was sent requesting Covid-19 pandemic relief. However, the property management began retailing after a series of repair request, leading to a request for lease termination due to contract breach.
XXXX began using retaliation tactics by reporting erroneously to the credit bureaus. Even though the property management was aware of a financial sufferance from Covid-19 pandemic and requested a waiver/ relief. Management continued to retaliate, while completing outside and unit renovation and decided to pass that debt unto me. The unit was never ready to rent, thus breaching contract, but somehow the property management wants those repair costs passed unto their consumers.
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| 01/28/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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XX/XX/2021 National Credit system - XXXX popped up on my stellar credit report with no warning. The credit bureaus have police reports and affidavit which indicates I have been a victim of ID theft. This above mentioned company was allowed to place this FRAUDULENT account on my credit report. This is not a company that i have ever given permission to access my information in any capacity.
When I contacted said companies they were trying to collect information to alter said current records. I would not provide them with my current mailing address nor verify certain information. as any information obtained will be used for collections. They can not collect on something that is not mine.
I have contacted the credit agencies however this company needs to remove said information expeditiously as possible from ALL CREDIT REPORTING PLATFORMS THAT THIS IS BEING REPORTED.
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| 07/23/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have reached out to National Credit Systems Inc., company several times, informing them that a debt in the amount of {$4400.00}, they were claiming that i owed was not my debt & to providing me with proof that it was my debt. Document ( s ) showing my signature & any other relevant proof. They said it was for housing/apt that i rented, in another county, in XXXX. Which i have been residing in my residence since XXXX. The company just kept sending me a letter that was stating that i owed it & they sent me paperwork with my name typed on it. I called several times & spoke with the same rep that was very rude & said that she will not remove the debt & that i then need to go file a identity theft with the police dept. Now they have not responded to any letters that i send them & they have reported this to the credit bureaus which has caused a financial hardship for me.
|
| 03/17/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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National Credit Systems and XXXX XXXX XXXX are reporting a balance of {$1900.00} on my credit report for collections. This account does not belong to me. It belongs to a family member with a similar name as mine. I called both the collection agency and the apartment complex and they both agreed it was not my debt but refused to remove it from my credit report. I dont even know how they got my social XXXX number as I was told I was added as an emergency contact on the application. I disputed this debt as it does not belong to me and they are refusing to remove it. The credit collection agency also gave me a lot of private information on this account that I would think is against the privacy rules for the account holder as well. I am reaching out to ask for assistance in having this debt removed from my report as it is inaccurate and it is ruining my credit as well.
|
| 11/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I currently have XXXX companies trying to collect on XXXX single debt. I have contacted both companies and they both say they currently own the debt. The debt is from an old apartment lease. XXXX company is XXXX and say I owe {$1000.00}. The other company is NATLCRSYS and say I owe {$910.00}. They both claim it is for XXXX. I have contacted XXXX and they have taken over new management and can not even locate the original debt or who they originally sold it to. I want to pay off this debt but I need to know who actually owns it. I have reached out to all parties, and they are not interested In helping they just try to get me to pay. But again I do not want to pay the wrong company what I owe. I have disputed both claims with XXXX, because obviously XXXX claim is incorrect but even XXXX said both were legitimate claims.. which is impossible. Can you please help me?
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| 08/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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I had an apartment back in 2013, after that I had XXXX more apartments and after attempting to move, my new apt . complex stated that I had a previous debt. I did not know about this debt and I contacted the apt . complex I had in 2013, that same day I paid my debt with them since the leasing office stated that I needed to pay them. Then my new apt . complex proceeded to tell me that I needed to pay National Credit Systems, so I called and I faxed the invoice that my old apt complex gave me. NCS stated that it would take 3 business days to process and send me the letter stating that I paid. I call and call to verify about the fax and they never answer, on the meantime I cant move in to my new apartment because they need the letter from them. I left a voicemail and I have n't gotten any reply, they never contacted me about this debt before and it suddenly came up.
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| 08/05/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX has reported that I owe {$1100.00} with the listed account number as XXXX under my social security number. I have made 3 attempts to login to the National Credit systems website to both verify the debt and pay it. I have emailed the company with the issue that the website does not recognize my social security number, the account number the debt is reported under or the " exact amount owed '' listed on their web portal.
The Original creditor listed is XXXX XXXX Apartments ; however the amount listed in my credit report does not match up to any communications by email or otherwise received from them.
All communication needs to be via email for legal records purposes and ease of communication. I am located in XXXX and reasonable contact hours are not available from National credit systems. They have my email as I have emailed them multiple times.
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| 01/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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National Credit Systems is reporting a collection account on all 3 credit bureaus credit reports. I sent them a letter on XX/XX/2018 asking for them to VALIDATE the debt. I also disputed the account with all 3 credit bureaus in which they stated the account was verified however I had not received any validation from them. They violated the FDCPA in which they continued to report an unvalidated debt. I sent them a follow up letter on XX/XX/2018 to advise them that they were in violation for continuing to report an unvalidated account and to advise them that they had failed to send me back required information that I requested. At this time, they have yet to send me any documentation but are still reporting this account. I am demanding them to comply with Federal law, and delete this account as they have failed to send me information to prove this account is mine.
|
| 08/18/2021 |
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
|
|
Web |
|
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invalid and unauthorized reporting ... I reached out to National Credit Systems to let them know about all the different laws that were broken they repeatedly hung up in my face and refused to answer or return any of my calls. There was a lady named XXXX XXXX who was handling the alleged account, who told me that an account was illegally verified and was not going to speak with me any longer about the account and every time I reached out she would answer and hear my voice and hang up.This situation has had me very upset that I was denied the chance to even dispute information and is holding my family and I back financially and even is holding me up from finding work, I wish we didnt have to reach this point but I am wanting to bring this matter up because I know I am not the only person that has been put in this situation with improper and misleading reporting.
|
| 02/13/2022 |
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
|
|
Web |
|
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Landlord harassment with malicious intent through collection agency.
Name of agency : National Credit Systems , Inc. XXXX XXXX XXXX XXXX, GA XXXX Free XXXX Phone XXXX Summary of complaint, I was a tenant at XXXX XXXX XXXX, XXXX XXXX, in XXXX " Nevada ''. The terms for early termination of the lease were clearly discussed prior to renting. I have attached an email communication. By XX/XX/2020 when the COVID lockdown begun I no longer had the option to stay at the job I had at the time due to minimal operation status.
By XX/XX/2020 my only option was to transfer to California ( I have attached the letter ).
I am being targeted by the XXXX 's management company aka. landlord because of my profession and the assumption of a high income. They have sent over {$10000.00} to a Collection agency which is a deliberate action with malicious intent.
Respectfully,
|
| 03/06/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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We terminated our lease with the XXXX XXXX in XXXX NH and paid the amount due in full when turning in our keys. XXXX then charged us an additional {$990.00}. I never got any bill, never got a phone call. National Credit Systems called us in XX/XX/2018 saying we owed them. I called the XXXX and they said they sold the debt but would not tell me to whom. I sent NCS a certified mail with a notice of dispute on XX/XX/18, heard nothing, sent it again on XX/XX/18 and got back a copy of our XXXX lease, so I then a settlement offer on XX/XX/18. We have never since heard back from them. I am asking assistance from this agency to mediate the matter and force NCS to comply fully with the request I made in regards to The Fair Debt Collection Practices Act. I require more than them sending old copies of a bill which did not exist at the time we paid our bill and moved.
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| 08/28/2018 |
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
|
|
Web |
Servicemember |
|
I have disputed a debt that is not mine with the collection company National Credit Systems for amount of XXXX dollars. I have also disputed the debt to the credit bureaus and they claim the debt was valid. I have never lived nor have i ever done business with the creditor XXXX was collecting for. I have asked for proof the debt was mine and the company was unable to provide anything with my social security number, date of birth or address. Nothing was provided showing i signed any contract or provided any banking information to this company i have not heard of. This account was closed on my credit a couple times and re opened by XXXX illegally. XXXX never sent any letter giving me a chance to dispute prior to reporting negatively on my credit. I am asking this be removed from my credit and collections actions be stopped as this is not my debt.
Thanks!
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| 04/03/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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This judgment has been on my credit report since 2017 I've tried to resolve the issue by calling the apartment complex trying to resolve the debt they no longer have my original file and said that they could not give me any information that it was already sold to the collection company, I said so how do I order the debt if you can't give me my own information nor could you give me the collection company that you sold it to information in order for me to resolve the issue I was only one month behind and they have a debt on here of {$6000.00} when I was only paying {$850.00} a month I do not think the charges are valid nor do I all the debt to the apartment complex they were also very unprofessional and acted as if they didn't want to help me to resolve the issue or tell me why the debt is so high when I was only paying {$850.00} a month when I was evicted
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| 05/12/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
Servicemember |
|
-late rental payment ; landlord refused to accept rent -manager states we will only take your money once you move out -forced eviction -finally agreed to a settle offer and paid a reduced amount on or about XX/XX/2020 -neither the credit collection agency or the property management company would update my account status with the rental bureau would list my payment or that the account had reached a settlement offer.
-I have had the account paid for over a year and it shows no payment as a result nobody in my area will rent to me, thereby leaving me XXXX and sleeping in my car.
-in my area if you have an eviction on your rental history nobody will rent to you.
-this agency has from the time of eviction to the present date has shown an continuing form of housing discrimination and they need to correct my status and be held accountable for their actions.
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| 05/17/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
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Web |
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I have reported the unapproved duplicate hard inquiries and paid-off duplicate collections to the credit reporting agency. They tell me I need to contact the creditors directly with my dispute. I have contacted the creditors via letter and call with no response to these unapproved duplicate hard inquiries and collection they are reporting to the credit agencies. They are the following : DUPLICATE HARD INQUIRIES : 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
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| 11/20/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Copious amounts of money were paid to this company and yet they are attempting to collect more with zero validation of debt provided to me. No evidence of validation of debt has been provided to me after multiple attempts and certified letters through USPS.
ATTACHED ARE PAYMENTS MADE TO XXXX.
MOVE IN XX/XX/XXXX MOVE OUT XX/XX/XXXX {$2700.00} paid {$2600.00} paid {$2600.00} paid again That is a total of {$8000.00} for XXXX months of rent when rent was only {$2600.00}.
I WANT VALIDATION OF HOW THIS COMPANY IS ALLOWED TO PLACE ON MY CREDIT REPORTS AN AMOUNT EXCEEDING {$3000.00} NEARLY {$4000.00} WITHOUT ANY PROOF BEING SENT TO ME AND THE CFPB NOT OBTAINING THIS INFORMATION EITHER!
I will include all parties involved in the illegal activities of not providing consumers validation of debt or due process of allowing disputes. THIS IS A DISPUTE OF DEBT
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| 03/18/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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i'm filing this complaint to see if I could get some help to get this matter resolved I have contacted the debtor as well who they claim that they got the debt from however both companies stating they do not have the debt and can not talk to me about it and still reporting on my credit report i have tried several times this does not belong to me I would like to see if I can get some help to have this removed from my credit report thank you the last complaint i file i was told i needed to file a affidavit which i don't understand because im asking for a copy of the debt stating it belong to me but that have yet to provide to me and they also told me inform the credit bureaus that my information have had some fraud activate in which i did back in 2019 also i hade file a police report i have enclose a copy of my police report and a copy of my credit report
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| 10/16/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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National Credit Systems contacted me through mail two and half months ago saying I owed a debt from a previous apartment. That was my first time receiving any notice, bill, or anything regarding the so called debt. I reached out to them because I had already paid the apartments at the end of my lease and had proof. They had me email in proof and said it would be deleted once recieved. I called back the next day and they confirmed paperwork had been recieved and that the account was closed. They also mentioned that I could call back in up to 30 days to confirm this. Today, I recieved a notification through XXXX that it had just been added to my credit report.
Besides all of this, national credit systems is not even licensed to collect in the state of Texas and I demand this account be closed and removed from all three of the credit reporting agencies.
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| 10/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
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Web |
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This debt should have never been on my credit report. Myself and the XXXX roommates associated with this apartment the collection originated from never received any notice of funds due after vacating the premises. The entire 12 months we resided at this apartment, we never missed a payment or had a later payment. When we left the apartment we were up to date on all bills since my credit and finances are a big priority. This is the only blemish on my credit report and is affecting me financially with mortgages and other finances.
If we were ever contacted regarding this matter instead of finding out when this hit my credit report I would have proactively brought my account to good standing as I have my entire life.
I would like this taken off my credit report immediately as this collection was not warranted and if so, was not correctly communicated.
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| 11/30/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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XXXX is still reporting an account as well as the address in my personal information. That account was supposed to stop reporting for all three credit bureaus Per NATIONAL CREDIT SYSTEM. I've taken a substantial hit on my credit from this account constantly being reported as a verified item when this account wasn't mine. Now even after it's revealed that it doesn't belong to me it's still reporting and harming my credit. I've attached the previous CFPB claim that I submitted for this account. Attached I've included the XXXX credit reports. ( XX/XX/XXXX to show the fraud account and address reporting with my score of XXXX, XXXX showing my score of XXXX without the fraud account but with the fraud address, XX/XX/XXXX showing my score of XXXX with a reinserted fraud account reporting on my credit report without the name of NATIONAL CREDIT SYSTEM showing.
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| 10/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter from XXXX XXXX XXXX stating that I owe XXXX from an apartment complex that I moved out of. I paid the last XXXX rent on XX/XX/XXXX, I already provided a XXXX XXXX notice on XXXX XXXX. My move out date was XX/XX/XXXX. I returned both sets of keys and the office provided a document that stated they received my keys. In XXXX XXXX XXXX, I received a letter from this company. I called the company and they stated that they didnt know why I had a account with them but the lady stated that apartment complex sent me to collections for unpaid utilities. Mind you I paid everything before I left and the company charged me for utilities which was in my name and I transferred it to my new place. Im not responsible for a complex utilities if Im not occupying the property. This company is trying to collect on something that Im not responsible for.
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| 04/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is a debt against an old apartment lease. I left the apartment with the understanding all was paid. I recently started to monitor my credit and found this collection account that I was not aware of. I lived in XXXX XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. I now have this negative collection for a debt that I have never been contacted or received any type of bill. I have had perfect rental history for over 10 years. If there was an issue with this complex, I would have reached out to resolve it. Unfortunately while I lived there, I had an issue with one of the office personnel who was on XXXX and she knew that my kids and I were aware of the situation. I would like to get this resolved as soon as possible. It is hurting my chances to try to rent a new apartment. I was in the same home for 3 years. They had plenty of time to reach out.
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| 11/25/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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This is regarding an item included in move-out charges from XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX when I vacated the property on XX/XX/2015.
Item in question is a charge for changing the carpet. When I left the apartment, the carpets in all rooms were in a normal condition without any visible damage. I lived in the apartment for one year and there was minimal usage. I contested the charge with XXXX XXXX and asked them to prove the damage in the court. Instead of contacting me, they hired a collection agency " National Credit Systems , Inc., XXXX. XXXX XXXX, XXXX, GA XXXX '' and reported disputed transaction to all three major credit bureau. I noticed this when my credit report was pulled for a loan. I feel that reporting a disputed transaction to the credit bureaus is against the rules of the Fair Credit Reporting Act ( FCRA ).
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| 07/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to National Credit System. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with National Credit System. This was an Apartment Lease from XXXX XXXX . and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by National Credit System. In this case the debt should be removed from my credit report and out of the office of National Credit System because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas
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| 09/29/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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National credit systems is reporting inaccurately. This account is labeled as a collection and it is reporting a past due amount. That is illegal. There is a balance listed higher than the actual amount. The amount is {$1500.00} but is showing a past due amount of {$1500.00}. This is also illegal. The date of last reported, last activity, & date it opened is also inconsistently reported across all three bureaus. This is also a violation. This account keeps increasing and decreasing the amount on this collection. No payments have been made towards this account so it should not not be increasing and decreasing the amount. This is illegal. I have disputed this account several times with no results. All three credit bureaus have failed to provide a method of verification letter. They have only verified and updated this account every time with no proof.
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| 04/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
We moved into XXXX XXXX XXXX, XXXX on XX/XX/XXXX. We have the lease and move-in items checklist proving what we moved in with per signed lease agreements. Upon moving out of the apartments on XX/XX/XXXX we received a bill of listed items that had to be done by their maintenance staff. The listed items were false and inaccurate, one of the items was washer and dryer removal. The charges were submitted to NATIONAL CREDIT SYSTEMS credit agency on XX/XX/XXXX. I have the original lease documents proving these were inaccurate charges as we moved into the apartment and out of the apartment with our own washer and dryer. On XX/XX/XXXX I tried to dispute via XXXX with the dispute being verified as accurate. I attempted to dispute this item again onXX/XX/XXXX with the dispute being marked as " completed investigation of FCRA dispute - consumer disagrees ''.
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| 09/24/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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On XX/XX/2019 I reached out via Certified Signed Tracking mail advising copy to mail me validation of a so-called debt in which this company has re aged reporting on my credit files this company had 30 days from my letter and has refused to validate There claims I advised this company under credit Reporting Act section 1692g that I have a right to a legal form of debt violation I asked this company to stop reporting this illegal debt on my credit files and they have refused this company is reporting false incorrect balance amounts, false Ownership of this debt, reporting a Re-aged debt I called this company on XXXX at XXXX XXXX spoke with a supervisor and that supervisor advised me that the account had a Cease and Decease action report in there system however this company has neglected To advice the Credit Reporting agencies To remove this account
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| 07/16/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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On XX/XX/2022, I sent XXXX XXXX, an employee of XXXX XXXX, a written notification In the form of an email stating that I would not be renewing my lease cited for XX/XX/2022. Per the leasing agreement, if the number of days is not filled in [ sic ], a renter only has to give the complex thirty days ' notice. Based on this criterion and the written, I satisfied that requirement. ( see Appendix A. ). I do not owe the amount, making your collection activities illegal. According to the Fair Credit Reporting Act, 1006.18 ( c ) ( 1 ), debt collection agencies must not use false or deceptive means. A failure to thoroughly read and analyze the rent ledger to attain a debt for pennies on the dime in the hope of making a profit from a distressed victim is unethical and inhumane. I demand the immediate removal of the collection account from my credit report.
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| 03/11/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOTO ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I AM VICTIM OF IDENTITY THEFT I am writing to request and initiate a formal complaint against XXXX XXXX and XXXX CRAs. On XX/XX/2021, I mailed XXXX XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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| 06/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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XX/XX/19-received a letter from National Credit systems , Inc. XXXX , GA in regards to a debt owed. The original creditor was XXXX XXXX XXXX, XXXX, MD. I explained to them I had a pending law against the XXXX 's. I submit court documents dated XX/XX/2019, in regards to case number XXXX, Court date XXXX in Court Room # 3, in the District Court of Maryland XXXX County , XXXX XXXX XXXX, XXXX XXXX , MD. I won a judgment against the XXXX 's in the amount of {$2400.00}. I received emails from all 3 credit bureaus stating a collection again was entered on my credit report by the above credit systems. They were suppose to wait until the final court decision was decided. I was given instructions by the original debtor that I could have 6 months to pay the final {$1200.00}. This collection was entered before the final decision was determined by the court.
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| 07/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2023 I called and left a message for XXXX XXXX to give me a call back on my number. At XXXX XXXX I received a call back on work number. When I asked why he called that number he said that he just hit redial. During the entire conversation he would not allow me to speak. I felt like I was constantly trying to tell him what was going on and he refused to even give me the opportunity to speak. There is already a case open for my other complaint. XXXX. If XXXX XXXX would have actually read what was sent he may be able to understand what I am trying to say. I did ask to speak with a supervisor but was transferred to a voicemail. The fact is that we do not owe the money that they are trying to collect. We have told them this numerous times. We only owe about {$10.00} which I am more than happy to pay.
Also they sent me someone else 's debt.
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| 04/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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I filed a complaint with the CFPB about a month ago concerning XXXX XXXX XXXX. I was told that nothing could be done because you were unable to contact the company. Since then the collection agency that is attempting to collect on their behalf has now started reporting two accounts for the same debt. I did break the leas for this apartment, but only after I spoke to the manager at the time. I inquired on what it would cost me to terminate my lease early and was told if I could leave by a certain date and if the apartment ws clean and move in ready there would be no additional charges as they had a new tenant waiting for an apartment. I have tried to contact both the apartment and the collection agency to find out where they came up with this balance and they have continued to ignore me and have added on an additional account to my credit report.
|
| 06/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2021 I send a Debt Validation Affidavit letter to NATIONAL CREDIT SYSTEMS regarding an " alleged debt. '' I gave the debt collector 30 days to respond and received no information which violates 15 USC 1692g. Pursuant to the Fair Debt Collection Practices Act I have the right to request validation and receive such information in a timely manner. It has been well past 30 days, as a result, I have sent NATIONAL CREDIT SYSTEMS an Affidavit of Truth and a Cease and Desist regarding their violations. They have also violated 15 USC 1692j furnishing certain deceptive forms by having an invalidated account on my credit reports. I have included all documentation they originally received and the most recent documents. All documentation originally sent was notarized and signed and sent with a green return receipt that I also included as Exhibit A.
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| 09/21/2023 |
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
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|
Web |
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Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct.
In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report?
As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure.
|
| 10/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
|
I have my credit damaged because of National Credit Systems XXXX Ga XXXX.
I have never leased an Apartment from XXXX XXXX, nor applied and I am being charged {$220.00}. I have no knowledge of why they are very rude, and I was threatened to have it on my credit for 10 years by one of their agents. I feel this is not correct, and I wrote them to clear my credit. They have not, I want them to correct this charge. I would like to see the apartment, that they claim I lived in. I also want to see the monthly payments, utilities, and mailing address in my name at this location. I have in the past, went through the same problems with this
Apartment named XXXX XXXX. I finally had it cleared, and again I am having the same issue again.
I told them that I did not live at their apartment complex. I want this charge cleared once and for all.
XXXX XXXX
|
| 12/10/2017 |
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
|
|
Web |
|
|
XXXX keeps verifying and verifying and verifying on a derogatory remark that I DO NOT OWE.. XXXX and XXXX already removed it but it keeps coming back verified with no signature or legal documents on XXXX. Ive sent them 3 letters asking them for verification purposes biding my signature XXXX, XXXX and XXXX/XXXX/XXXX. All they say is verified without any legal documents or no proof. Its gotten to the point where its affecting my daily life because an apartment complex is reporting is me to a credit bureau on a lease Ive never signed. Also my very last letter I sent on XXXX/XXXX/XXXX they never contacted me back in writing. Theres also 1 more item on my report thats theyre giving me problems with thats unverifiable. The amount of both deragtory marks are {$2700.00} - for the apartment lease I never signed and {$150.00} that I have no clue about.
|
| 06/28/2015 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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I have tried multiple times to get this taken care of. I have no knowledge of the debt they have on my credit report. I mailed an original police report showing I have no knowledge of these debts, and they refused to respond to me. I want this invalid debt removed from my credit report, and I am willing to do whatever they need me to do to prove it 's not valid.
The first company XXXX has also not been fair. They said someone signed a lease UNDER MY NAME completely online. That does n't even make sense, no real way to verify. When I offered to drive to XXXX to show my ID and prove it was never me they said they did n't keep any kind of camera or records like that. I never lived in those apartments and I DEFINITLEY never signed a lease it was fraud. They only tell me they ca n't look into it further and I have email correspondence with XXXX.
|
| 06/19/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
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There is an account on my credit report that is reporting in error. I have disputed this information with the credit agencies XXXX times now and the creditor keeps telling them that the account is valid and therefore is still reporting on all of my credit reports. The creditor is reporting to XXXX credit agency that the last date of activity is XXXX/XXXX/XXXX which is completely inaccurate since I have had no dealings with them ever. Then they are reporting to another agency that I made a payment to them in XXXX which is completely false because I never paid them anything and that they account was opened in XXXX which is also inaccurate since I know this account is well over XXXX years old. I know that by law they have to remove items that are over XXXX years old and I 'm not sure why they keep falsely reporting this debt on my credit report.
|
| 04/27/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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|
I received a letter from the collection agency, National Credit Systems, 6 months after my family and I moved out of XXXX XXXX XXXX on XX/XX/XXXX.
They charged us in the amount of {$600.00} for cleaning 3 bedrooms, and damages. My wife and I own our own cleaning business, we made sure the whole house was spotless, the {$150.00} was unnecessary for cleaning and I have pictures to prove.
Sheetrock Repair ( {$250.00} ) : this was caused from water leakage in the kitchen, and the maintenance crew at XXXX XXXX XXXX took too long to come and fix the leak.
Also, in my contract from XXXX I had a security deposit of {$300.00}, and my renewal contract after that the security deposit went down to {$170.00}. I am unsure what happened to the {$120.00}, and when I asked the Property Manager she said she would look in to it, and never got back with us.
|
| 07/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I looked on my credit report and noticed that there is alleged debt that hasnt been validated placed on my credit report.. I do not owe any debt and this alleged debt is being advertised on my credit report to force me to pay this alleged debt. This debt collector is civilly and criminally in violation under the FDCPA laws. I have attached documents in hope to get this issue resolved or i will be seeking litigation. I WANT TO EDUCATE THE COMPANY THAT A CONTRACT OR ITEMIZED BILL/ STATEMENTS IS NOT A METHOD OF VERIFICATION AND PURSUANT TO 15 USC 1692G I AM THE ORIGINAL CREDITOR SO ONLY I CAN VALIDATE THIS ALLEGED DEBT AND I DONT VALIDATE THIS ALLEGED DEBT SO I NEED THIS ALLEGED DEBT REMOVED FROM MY CREDIT REPORT IMMEDIATELY OR I CAN SEEK MONETARY RELIEF FAILURE TO PAY WILL RESULT IN US JUST SETTLING THIS OUT IN COURT I HAVE THE LAW ON MY SIDE
|
| 02/07/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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|
My complaint is with National Credit Systems in XXXX, Georgia. They reach out to me in attempt to collect a debt that I didnt owe. For starters, the letter that they sent arrived practically a month from the date printed on it ( could be that they sent it out late or an issue with the postal service ). I called to let them know that I dont owe them and I paid the Original Creditor in full. They said that they dont know that but on my credit report they have it stated as I paid collection with an incorrect and false date. I never sent a payment to this collections company because I paid the original creditor. Im upset because they reported false information which shouldnt even be shown on my credit report. They are the worst and the customer service is far beyond poor, just check out the reviews on XXXX. How can they even get away with this?
|
| 08/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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Throughout the past several years I have received several letters stating I owe an unpaid debt for the amount of {$380.00} to XXXX XXXX XXXX XXXX XXXX XXXX addressed to a person named XXXX XXXX XXXX XXXX. I have a similar name and can only assume that is why I am being sent the letters. Each time I have received the letters I have notified the collection company to inform them that I do not owe the debt as I have never lived at these apartments and that the letter is addressed to an individual with a similar name as mine. Each time I have been asked a few questions as to my identity and have been told the letter is for a different person and the letters temporarily cease. However, eventually I received other letters and would like the company to cease and desist all further attempts to collect this debt from me that someone else owes them.
|
| 09/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XXXX I spoke with a representative at ext. 101 from National Credit Systems about settling the debt owed by a former apartment complex where I resided. The initial settlement offer was {$850.00} and I was waiting for approval so I could clear my debt. On XXXX, I received a call stating that the offer had been refused and I now have to pay {$1300.00}. Also, they would submit documentation stating to the credit bureaus to remove the negative item. As I went to accept the offer, I asked if they could provide a statement in writing. I explained to her that I did not feel comfortable paying {$1300.00} with no documentation. The rep refused. She exclaimed that they will never send any documentation and there is no reason to even go back and forth about it. Now I am stuck with this negative remark on my credit report and no way to dispute it.
|
| 04/02/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
National Credit Systems is committing fraudulent practices. This collection Agency has reported to the Credit Bureaus that I owe 2 times more than what was agreed upon. I have disputed this debt with National Credit Systems 2 times, back in XX/XX/XXXX and again in XX/XX/XXXX. Their responses has been a copy of a lease and an itemization list showing fraudulent charges from the apartment complex I was previous with. Not only I have solid proof that the fraudulent charges were added after I have left the apartment complex. But I can prove that the apartment complex gave them the information that lead up to these charges. In addition : 1 ) National Credit Systems are in direct violation of 15 U.S.C. Section 1692 ( g ) ; Sections 808 part 1 and 809 ( b ) of the FDCPA.
2 ) I do not have a contractual agreement with National Credit Systems.
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| 11/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I lived at this apartment location I completed out of my lease when I fell on hard times I went through an agency who paid the remaining balance of my lease was 2 months which should have been no more than {$2000.00} the agency informed me that they paid the balance I moved and cleaned the apartment turned in the key few months later I checked my credits report and realize that the same apartment complex XXXX XXXX national credit systems placed a XXXX debt on my credit I have disputed this over and over I've spoken with the apartment complex I've even taken what letter I have from the agency that sent out a check to them and the office claim to have no records of the payment as they says all the old office workers have been fired or quit and they have no records so please help or please give me some advice on what I could do thank you.
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| 02/07/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I have been getting calls multiple times a week about collecting a debt owed to an old apartment complex ( that is an off-lease out-of-the-blue charge ) and they have also contacted my parents who have nothing do do with this. I also have an old roommate who has been being harassed about the same exact amount owed to the apartment complex but neither of us have received communication about how to split our payments. There is no way we will both be paying the full amount separately when it is one bill. When I called and asked about a payment plan or any help I could receive as I do not have the means to currently pay this, the collector repeated the same phrase You need to find this money in full and would not say anything to me/ offer me any assistance. Refused to discuss anything with me and repeated one sentence to me over and over.
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| 03/16/2016 |
Yes |
- Debt collection
- I do not know
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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Someone used my personal information and identity to obtain services. I did not create this debt. I am a victim of identity theft. I have reported this to the police and have tried several times to have the collection agency to correct their records. They continuously ignore my dispute and verified this fraudulent account with the credit bureaus. I have sent them certified letters, ID theft police reports and disputes to the collection agency and credit bureaus. They continue to report this fraudulent account and violate my FDCPA, FCRA and Rosenthal Act. This has given me great distress and the fraudulent reporting is damaging my good credit. I contacted the collection agency via mail and have not received any response National credit systems is well aware that this account is fraudulent and still verifying it with the credit bureaus.
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| 04/28/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Problem with personal statement of dispute
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Web |
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I have a collection account from a prior apartment complex, The XXXX. They fraudulently charged me {$200.00} for things in my apartment, like blinds and cleaning, charges I was never made aware of. All to the tune of {$8000.00}!!
I told them I would not pay. Then they sold my debt to a collection agency. I never gave The XXXX permission to share my information so I tried to contact the collection agency. I sent them a letter. They replied saying it was not them who was trying to collect off me. I then sent the letter that they sent to me to the all three credit reporting agencies and the collection account was still not removed. This is severely affecting my credit score and my ability to buy a car. I currently pay 25 % interest on my car because of this. I'm asking that the credit bureaus remove this collection account immediately.
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| 03/04/2022 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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On XX/XX/XXXX, I received a call from XXXX XXXX in reference to an " unpaid " debt of {$1200.00}. I proceeded to let him know that this debt has already been paid. He said he would reach out to his client and get back with me.
I then received another call from XXXX XXXX on XX/XX/2022 that he spoke to his client and they can't find the payment in which the apartment manager signed for.
But admit that payment had been received by the office.
I then received another call on XX/XX/2022 asking for proof of payment of debt being {$1100.00}, and to have it emailed to his supervisor XXXX XXXX ( XXXX ). While I was listening to him, I was sending thr documents to his supervisor. I continue to asked how did the debt go down, and he couldn't answer me.
To this day, I have not received another phone call nor a deletion from my credit report.
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| 09/12/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
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The item was discharged in Bankruptcy Court in 2012. Now National Credit System is attempting to collect on a discharged account by a Federal Bankruptcy Court Judge. I submitted proof of Bankruptcy Discharged for the item to XXXX and it was removed. Now it is back as a Collection, which is illegal and a fraud. I will complain to the FTC and sue National Credit System for Fraud, Deceit, and Identity Theft. I will also submit a complaint to the California Attorney General for Fraud, Deceit, and Identity Theft.
National Credit System- REMOVE THE FRAUDULENT COLLECTION ACCOUNT IMMEDIATELY IF YOU DO NOT WANT TO GET SUED/FINED for violating FDCPA and FCRA. National Credit System never sent me any proof of documentation for the alleged item, falsely claiming on a discharged item, and the item has never been properly verified. Section 609.
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| 12/12/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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In Accordance with the fair credit reporting act XXXX XXXX XXXX has violated my rights. I simply went in to apply for an apartment now months later I have a inquiry on my credit saying I owe {$1500.00} dollars!! THIS IS COMPLETE FRAUD I NEVER SIGNED A LEASE AND I HAVE DOCUMENTATION OF THE COMMUNION BETWEEN XXXX AND XXXX XXXX XXXX XXXX STATING THAT I DID NOT WISH TO GO THROUGH WITH THE PROCESS BECAUSE I CHOSE ANOTHER APARTMENT WHICH I RESIDE NOW I AM TRYING TO GET A HOME LOAN AND THIS POPS UP I WILL BE FILING A LAWSUIT THIS IS COMPLETE FRAUD AND THE FACE TGAT MY INFORMATION IS THIS ACCESSIBLE BY YOUR EMPLOYEES IS UNACCEPTABLE 15 U.S.C 1681 section 602 A. States I have the right to privacy.
15 U. S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish a account without my written instructions.
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| 02/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX, XXXX, and XXXX Re : XXXX XXXX, XXXX XXXX National Credit Systems listing for {$500.00} XX/XX/2022 Dear XXXX, XXXX and XXXX XXXX On behalf of my client, XXXX XXXX XXXX SSN XXXX ), I am contesting an entry on her credit report from National Credit Systems , for a sure deposit. The debt is for {$500.00}.
This debt is being contested as being illegitimate. My client contests this debt and insists that she did not create this debt in her name. You must show Client proof that she signed up for this, We are demanding proof, if you can not show proof that my client signed up for this, please remove now.
Please remove this debt from XXXX XXXX credit report. If you have more questions, please let me know. Thank you.
Sincerely, XXXX XXXX XXXX, XXXX.
XXXX XXXX XXXX, XXXX.
Cc : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX
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| 03/12/2018 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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This is my second complaint on National Credit Systems. I filed my first complaint on XX/XX/XXXX. Their, response on XX/XX/XXXX was Account XXXX. I was confused as to what Account XXXX would meant. So, I called CFPB and was instructed to refile my complaint because, the agent had never seen this type of a response an could not give me any information as to what it meant. As, stated before NCS or XXXX has never contacted me about this account. I only saw it XXXX when it was placed on my credit files. On, my files it states placed for collection XX/XX/XXXX. No one has ever given me a chance to verify this account at all. My credit is important to me so inaccurate information is damaging and cause negative effects. I am requesting a investigation into this matter again. As, I would like to know what attempts and how they contacted me.
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| 01/10/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This is my 2nd complaint FILED AGAINST NATIONAL CREDIT SYSYTEMS.
COLLECTION ACCT # XXXX. NATIONAL CREDIT SYSTEMS IN C.F.P.B., COMPLAINT # XXXX RESPONDED TO C.F.P.B. THAT THEY WILL STOP THE FULL COLLECTION EFFORTS ON THIS ACCOUNT, HOWEVER THEY DID NOT STATE THAT THE COLLECTION THEY REPORTED TO ALL 3 MAJOR CREDIT WOULD BE DELETED! WHEN I CALLED THEM TO ASK IF SUCH ACTION WAS TAKEN TO DELETE THE COLLECTION FROM ALL CREDIT BUREAUS, THEY HUNG UP THE PHONE ON ME, WHICH HAS NOW PROMPTED THIS 2ND COMPLAINT. NATIONAL CREDIT SYSTEMS HAS DAMAGED MY CREDIT RATING BY MALICIOUSLY NOT DELETING THIS COLLECTION, THAT NOW THANKS TO THE C.F.P.B. THEY REPLIED IN THE PREVIOUS COMPLAINT. I NEED NATIONAL CREDIT SYSTEMS TO SEND YOU IN WRITTING THAT THIS COLLECTION WILL BE NOT ONLY BE CEASED IN COLLECTING BUT WILL ALSO BE DELETED FROM ALL CREDIT BUREAUS.
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| 08/07/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I have no knowledge of the following items listed on my report.
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Please delete these items immediately. These accounts shouldn't be furnished on my consumer report as they are in violation. Under 15 U.S Code 1681b - permissible purposes of consumer reports ( A ) in general subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. No consent is identity theft. As a consumer I am demanding the deletion of the accounts listed immediately as I am a victim of identity theft.
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| 03/20/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
Servicemember |
|
I have attempted several times to have this company to VALIDATE this alleged debt, to no avail.I do NOT owe this company {$6300.00}. This inaccurate, incomplete, misrepresented account has been removed & reinserted from my credit report a minimum of 4 times in violation of FDCPA Sec 611 ( a ) ( 5 ) ( B ) and reinserted without the pre-requisite 5 day notice before reinsertion, nor has this company complied with my request in accordance with FCRA Sec 609 to provide the original instrument of indebtedness upon my request.I also requested accounting history in accordance with FCBA ( Fair Credit Billing Act ) information request, which entitles me to a detailed account history and info.
This account was removed on or about the following dates XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX-XX/XX/2019 XX/XX/XXXX- XX/XX/2019 XX/XX/XXXX-XX/XX/2019
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| 08/16/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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On XX/XX/2023 I sent a letter to XXXX on XXXX XXXX in XXXX, Georgia and to National Credit Systems ( a collection agency ) asking them to validate the alleged debt on my credit report by producing the original contract with a wet ink signature. I sent the letters on XX/XX/2023 via certified mail and gave them 10 days to respond. On XX/XX/2023, National Credit systems sent a letter, non-certified ( which I received on XX/XX/2023 ), stating that their client ( XXXX on XXXX XXXX ) authorized them to extend a special opportunity for a " 50 % debt discount '' offer in which they offered 50 % off the alleged debt if it were to be paid by XX/XX/2023. Neither XXXX on XXXX XXXX or the debt collector National Credit Systems provided the original contract with wet ink signature nor was the alleged debt validated in any way shape or form.
|
| 01/12/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and was successful in creating some accounts. All is being investigated by the FTC.
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| 10/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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In XXXX of XXXX I sent national credit systems a letter to validate a debt that was placed by them on my credit report. I did not receive a response back until XX/XX/XXXX, which was basically a discounted offer. I replied back in XXXX that they failed to validate this alleged debt that I do not owe. In XXXX they sent me another statement that is absolutely inaccurate, The " rental agreement '' they sent shows I moved out on XX/XX/XXXX. However they are trying to charge me rent from XXXX. I did not live there at that time and my balance was cleared to a XXXX the date I did my final walk-thru with the agent there at the time, Also Ive included the rental agreement they sent, on page XXXX I've highlighted where they CLEARLY ALTERED this document. You can see they whited out the area and typed in XXXX.
This debt is not owed by me.
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| 03/02/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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A representative from National Credit Systems Inc. informed me that I would be sent verification documents ( XXXX ) in the mail along with settlement offers. When I called in XXXX of 2020, I was told that I had a settlement on file that was mailed to me, per the representative. Which I never received. I tried to see if I could take advantage of the 55 % settlement offer that was on file. The representative stated that the system was down on the final date of the offer letter. To take advantage of the settlement, the representative would honor the settlement but not give me 30 days to pay off the debt but only 24 hours. I once again ask for settlement offers to be mailed to review. As of today 's date, I am checking my USPS informed delivery. I have yet to receive any documents via mail in the year I have been paying this debt.
|
| 10/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Good day, I am XXXX XXXX XXXX and the reason I am reaching out and writing to complain on XXXX and their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECEIVED MY LETTERS.
|
| 02/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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I called to talk with NCS about this debt that is showing on my credit, and get more information. The first representative that I talked to, was very dismissive and aggressive. Her first name was XXXX. At one point, she absolutely refused to provide me with details about the original creditor, and said that it is non of my business. After too long had passed of this behavior, I asked for a supervisor.
I believe the supervisors name was XXXX. She wasn't as rude as the previous rep, but still very unprofessional.
The supervisor did provide me with some details, but still refused to enlighten me on who the creditor was.
The overall 50 minute experience was awful and devastating. I can't believe that business are free to operate like this.
Ultimately, I would just like to receive a valid consideration that this debt inaccurate.
|
| 12/28/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
To whom it XXXX concern, 4 years ago Saturday, XX/XX/2018 my family and I literally moved across the country after signing a lease online, moved my family to this apartment complex XXXX XXXX XXXX XXXX, After driving 4 days and paying an additional {$1000.00} dollars to receive the key the apartment was absolutely horrible so we decided to go to a hotel for the night to figure out what we should do. I explained to them we could not live there and they explained they had other apartments in their portfolio so I agreed to look and found nothing to our liking. They refused to give us any of the money back we gave them and put a collection on my credit in the sum of {$4500.00} now it's in the hands of a collection agency. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, GA XXXX.
Thank you for your time in this matter, XXXX XXXX XXXX
|
| 05/04/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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My rights have been violated : National credit system- XXXX XXXX. Unfair practices National credit system failed to investigate my dispute within the FCRA time frame! The company then sent me a letter with a different mailing address from the address listed on my reports claiming I never contacted them about this debt! I then sent in my proof of previous dispute letters with usps documents and the company is breaking the law by now stating they have sent my disputes to the Credit beureas. Furthermore the company has uploaded false documentations. You uploaded documents stating I moved out of XXXX XXXX XX/XX/2020. A lie. Also the documentation claim that the Notice of debt was mailed to the same address listed as the move out address! How would I have gotten this notice?! I have attached proof and demand this account is deleted
|
| 11/28/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
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From XXXX I have been in and out of XXXX with some with time length in between these years. My fianc and I were Car Theft Victims in XXXX which exposed my personal and business identity. Due to these situations and unfit and unsecured environments of XXXX along with the strong possibilities of my sons mother and daughters mother having my information, Im convinced my identity has been compromised and exposed to identity theft. I have filed Identity Theft with Federal Trade Commission through IdentityTheft.Gov. I have accounts that Im unaware of along with inquiries addresses and negative accounts on my credit that I need to resolve. I am in an era of my life where Im investing personally and in business. This is taking and having an affect on my everyday living. I would like to have these removed and resolved as soon asap.
|
| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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To whom it may concern : My name is XXXX XXXX and I am writing to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
|
| 11/05/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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National Credit System, located in XXXX, GA has repeatedly falsely claim and reported a debt for the amount of {$2700.00} on my credit report with all the major Credit Reporting Bureaus which has continued to impede on my ability to obtain any credit or attain any measurable jobs. Several attempts has been made approximately a year now to have this company validate the so called debt I owed them per Section 609 of the Fair Debt Collection Practices Act or delete it from my credit profile with deliberate speed. But they have woefully ignored my humble requests for it's validation.
National Credit System is hereby advised to delete that erroneous claim off my credit profile with immediate effect. It is causing it is causing me a serious financial crisis in my ability to move forward with my family.
Sincerely!
XXXX XXXX
|
| 01/16/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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XXXX XXXX XXXX XXXX XXXX was the original creditor. I reached out to them and the manager at the time the alleged debt occurred. They did verify I did not owe them because of prior arrangements with the office manager which were in writing and verified with corporate. This collection has been disputed because it is not valid. I have repeatedly asked for the rent roll on my account. All documents from the alleged debt and reciepts of payments made on my account along with allocation of non returned deposits etc. The collection company can not provide this. They have failed to provide the oroginal date of collection and continue to change the date so as not to have to discharge from my report. This is illegal. It needs to be deleted immediately or I fear I will have to file suit for malicious debt collection on a debt not owed.
|
| 10/21/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
National Credit System is continuing to report misleading and inaccurate information on my credit report. Which is a tatic used to keep my credit score low. Account reporting ONE MONTH TERM, How is this possible? I never enter into any contract or signed any documents with this collection agency. They have no right the furnished any information on my credit report. I never gave them any permission. They should be shut down. They are taking advantage of XXXX VETERAN like myself. They are adding XXXX to my life and is making it impossible for me to obtain credit. I have only few weeks to buy a home but National Credit Sytems is making impossible by reporting misleading and inaccurate information or my credit report.
All data reporting must be 100 % accurate, 100 % verifiable and 100 % timely or it must be DELETED. PERIOD!!!!
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| 06/08/2023 |
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
|
|
Web |
|
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I have filed several disputes with XXXX and they have not properly resolved my issue! This account has been deleted from XXXX and XXXX due to the companies lack of information! I called XXXX on XX/XX/ to ask how did they validate the information and I was told that the company verified by just saying it was me without having to show XXXX actual proof like a signed contract with both parties signature or no proof of some type of relationship between me and National Credit System. I have given XXXX my Identification and past addresses history bank statements to prove that this is not my account and that i dont have any relationship with them This company has not provided anything but a word which is a violation of my rights I need them to provide me with actual proof or delete immediately because this has caused enough damage
|
| 11/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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Date : XX/XX/XXXX Name : XXXX XXXX Social Security Number : XXXX Address : XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL XXXX National Credit System , Inc XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX Dear Sir or Madam : I am writing to dispute the following information in my file.
This National Credit Systems collection account with the balance {$180.00} ( Original Creditor is XXXX XXXX XXXX ) is inaccurate because I paid this before it went to collection. I am requesting that the item be deleted.
I lived in XXXX XXXX XXXX for 3 months ( XXXX, XXXX, XXXX, XXXX ) and paid in full all of my 3 utility bills on time.
Enclosed are copies of my 3 checks from my bank account supporting my position.
Please reinvestigate this matter and delete the disputed item as soon as possible.
Sincerely, XXXX XXXX
|
| 09/14/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Attempted to clear up inaccurrate charges for an apartment my daughter rented and I cosigned. The rep ( XXXX XXXX ) attempted to scare me by saying I better get a good lawyer and hang up on me. Their charges include renter 's insurane coverage for an apartment that my daughter did not have access to because she moved out. The charges also include rent for months after she vacated and a {$5.00} a day late charge. I requested a history on the apartment because legally we are not responsible for an apartment after it was leased. Made contact with the apartment community manager XXXX XXXX ( XXXX ) XXXX she acknowledges that we are not responsible for the charges after someone moved in. I've disputed the collection with credit reporting agency and National Credit refuses to correct the charges. They are trying to rip people off.
|
| 08/02/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I was victim of Identity Theft 3 times in the last 7 years. I have 3 separate police reports related to all of the items. There were mortgages, credit cards, loan, collections, tax liens and bankruptcies that were filed done without my personal. I have sent letters to all creditors as well as to local government to obtain original copies of all documentation. I will be sending the credit bureaus all of my supporting documentation and police reports. Please please removed and permanently delete these items from my credit report. This has RUINED my life for 7 years and I am desperately trying to get this resolved asap. This has stop me from getting apartments, jobs and everything. I need immediate help to once and for all resolve all of these issues. Please permanently remove all these items from my credit report immediately.
|
| 02/11/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking. My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas. The individual I've suspected for this theft is now deceased, and the police department said to contact the federal trade commission to seek relief. These companies disregard laws and dont care whos credit or lives they impact.
|
| 10/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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Good Day, I am XXXX XXXX XXXX and my reason on reaching out to you is to complain on XXXX for their lack of response and reporting. I have continued to follow every step on removing false accounts that are reporting and they have yet to comply. They have exceeded the 30 days multiple times and at this point, the issue has not been resolved. They keep reporting accounts that do not belong to me. I have mailed several letters via certified mail, that are dated, that have everything listed in detail, that have everything required and they still are not doing their job in removing their items.
The following are some of the dates of the letters I have mailed out : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ALL THESE LETTERS HAVE BEEN SENT VIA CERTIFIED MAIL AND HAVE A STAMP WHEN THEY HAVE RECIVED MY LETTERS.
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| 09/01/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
Older American, Servicemember |
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On XXXX XXXX, XXXX I was given a written notice to vacate my apartment @ XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX in 72 hours. The reason given : I was a nuisance to management & community.In XXXX XXXX I attended a City Council meeting with a list of complaints against XXXX XXXX, the mangement Company, based in XXXX.In the following month I was given a bill wanting me to pay {$930.00} for the monthly rent of XXXX, XXXX & XXXX XXXX. When I refused to pay it they sent it to a collection agency & it now affects my credit & I am not able to rent another apartment. So, now I am a homeless, XXXX Veteran. Can you please help me?
I am presently living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX voucher since XXXX XXXX, XXXX but not able to secure any permanent housing because of this unfair credit report,
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| 09/15/2023 |
Yes |
- Debt collection
- Rental debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I received phone calls from National Credit Systems regarding a sole debt from XXXX XXXX apartments over 7 times within a 7 day period, in addition I received XXXX phone calls after I spoke with them regarding the debt and asked for validation. The phone calls were received on Missed call XXXX at XXXX cst Incoming call XXXX at XXXX cst Missed call XXXX at XXXX cst Incoming call XXXX at XXXX cst Incoming call XXXX at XXXX cst Missed call - XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Incoming call - XXXX cst Missed call - XX/XX/XXXX at XXXX cst, Missed call - XX/XX/XXXX at XXXX XXXX cst Incoming call - XX/XX/XXXX at XXXX cst Incoming call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX cst Missed call - XX/XX/XXXX at XXXX XXXX cst
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| 07/01/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have been a victim of fraud, Due to XXXX XXXX XXXX making a false claim that a money order of {$220.00} for the rent deposit on an apartment came back insufficient funds. I sent off for the copy of the money order, and the copy showed where the money ordered was stamped and cashed on XX/XX/XXXX of XXXX. My credit report has been affected, due to the balance owed being falsely added to my credit report, even though XXXX XXXX was the primary lease holder for the apartment, and the judge ordered for him to be responsible for the payment of {$1400.00}. I have paid XXXX XXXX XXXX to remove the balance from my credit report, but the balance is still showing on my XXXX report. I disputed the XXXX account and sent in copies of proof and am waiting for a response. I will be contacting an attorney to represent me in this matter.
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| 12/28/2017 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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A Debt in the amount of {$6000.00} from National Credit Systems is being reported on my Credit Report.The Debt in question is from an XXXX I leased. I contacted the company on XXXX/XXXX/XXXX ( Spoke to XXXX ) XXXX/XXXX/XXXX ( Spoke to XXXX, & XXXX/XXXX/XXXX ( Spoke to XXXX ). I requested Validation of the Debt. I asked NCS to show me how they calculated what they assume I owe. The company replied with a lease agreement but no transaction history.By law If you saying I owe a Debt I am legally able to see how it was calculated & NCS & in compliance. Secondly, there are inaccuracies on all 3 Bureaus. Ill explain.On XXXX its reported it was opened on XXXX/XXXX/XXXX, XXXX XXXX/XXXX/XXXX, & XXXX XXXX/XXXX/XXXX. NCS is Violating FCRA 609, 611, & 623. Please be mindful I am keeping track of when you received it & who I speak to.
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| 06/16/2022 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I have told them to stop contacting me all communication shoud be thru mail a " cerified letter '' and thee con tinue to call me according to 15 USC 1692 ( d ) DA debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number.15 U.S. Code 1692b Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall ( 2 ) not state that such consumer owes any debt ;
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| 07/08/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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THE ACCOUNTS LISTED ARE FRAUDULENT SOMEONE STOLE MY SOCIAL SECURITY NUMBER AND PHOT ID TO OPEN THESE FRAUDULENT ACCOUNTS IN MY NAME I am writing to request and initiate a formal complaint against XXXX, XXXX and XXXX CRA. On XX/XX/2021, I mailed XXXX, XXXX and XXXX to Block Fraudulent information being reported, accounts for which I am a victim of identity theft. ( ATTACHED ).
They have been unwilling and/or unable to conduct an adequate investigation and/or failed or refused to block usage of these fraudulent accounts being reported. Please contact these agencies and initiate a formal investigation into possible violations of the Fair Credit Reporting Act and/or Fair Debt Collections Practices Act. I will also be contacting the Attorney General and Postal Inspection Service for other possible violations of the law.
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| 06/08/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been disputing this account with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
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| 01/07/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
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| 12/16/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
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| 11/24/2022 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
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| 04/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I haven't ignited the account this company is placing on my consumer report. I tried numerous of times to delete this information from my consumer report and the company did comply by removing the alleged debt from my consumer report. However, they are still reporting the account on the other two reporting agencies. Instead of a deletion the company decided to decrease the debt 50 % turning alleged debt to {$3500.00} then months later sent another letter decreasing the debt more, now the debt is {$1700.00}. However, on my consumer report the debt is still reporting {$3500.00} which is misrepresentation and additionally ignoring my originally request which is to have the alleged debt deleted. I haven't received any supporting documents stating that I started the alleged debt or how the debt was verified by the company.
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| 10/14/2021 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I called National Credit Systems on XX/XX/2021 to discuss a collection account on my credit for XXXX XXXX. After speaking with XXXX ( a Supervisor ), he stated he was not going to budge on the account and that he was working on behalf of the apartment complex. He stated he had no decision capability and that it was up to XXXX XXXX.
So I called XXXX XXXX and spoke with XXXX on XX/XX/2021, the property manager, and she stated that there is no record of me, or of an outstanding balance. In the attached letter, you will see the property complex was sold, and along with any outstanding debts would have been included. Therefore, the collection account that is reported by National Credit Systems needs to be removed and all collection activity needs to cease as the letter from XXXX XXXX states I have no outstanding balance.
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| 10/14/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I called National Credit Systems on XX/XX/2021 to discuss a collection account on my credit for XXXX XXXX. After speaking with XXXX ( a Supervisor ), he stated he was not going to budge on the account and that he was working on behalf of the apartment complex. He stated he had no decision capability and that it was up to XXXX XXXX. So I called XXXX XXXX and spoke with XXXX on XX/XX/2021, the property manager, and she stated that there is no record of me, or of an outstanding balance. In the attached letter, you will see the property complex was sold, and along with any outstanding debts would have been included. Therefore, the collection account that is reported by National Credit Systems needs to be removed and all collection activity needs to cease as the letter from XXXX XXXX states I have no outstanding balance.
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| 04/20/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have been disputing 2 accounts with the credit bureaus for sometime now. Each time they would say that National Credit Systems would verify the debt. So I took it upon myself to ask National Credit Systems for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XX/XX/XXXX. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.
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| 09/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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The creditor has the date the account opened wrong. I began owing a balance in XX/XX/XXXX, they have it starting in XX/XX/XXXX, then it states that it was first reported on XX/XX/XXXX. These dates are not accurate. I think this is an attempt to prolong the debt on my credit report. On XX/XX/XXXX I observed additional information not provided from this debtor on my credit report such as last reviewed and last time it was active. A week letter on XX/XX/XXXX I sent a certified letter to XXXX to request that information be added and debt information updated. On XX/XX/XXXX I received letter back from XXXX, with no changes or updates were made to the debt in question. On XX/XX/XXXX I ran a credit report again, which indeed confirmed no information had been changed or updated.
Below I have attached my supporting documents.
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| 10/05/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Public record information inaccurate
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|
Web |
Servicemember |
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My ex husband forged my name On a lease for an apartment complex to get a lease on apartment after we broke up and got divorced. I was living since XX/XX/2018 with XXXX XXXX ( now my husband ) at XXXX XXXX XXXX XXXX Fl XXXX. Can verify this XXXX. The credit bureau removed it once and then have added it back, and I keep disputing it, but they will not remove it. NATIONAL CREDIT SYSTEMS has no authority to post a collection. They never sued me or brought any civil action ( which I would have gladly defended myself and won in a courtroom ) so they can not just add a collection and RUIN my Credit just because they feel like it. They have NO judgement or Lien against me. PLEASE make them remove this. It is hurting me trying to buy a car, or buy a home. My signature appears NOWHERE because I signed nothing. PLEASE HELP ME.
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| 05/09/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
Servicemember |
|
I have reached out to all parties involved asking for supportive documentation, showing where this debt came from. They refuse to help and state things such as it is verified even though I KNOW its not my debt! I should not be held accountable for things that are not my own actions! I have mentioned multiple times that I live at one address and will only reside there. Ive never needed to move from my permanent address. Upon reaching out to National Credit Systems they wanted to negotiate a small fee in exchange to remove something that isnt mine. I am needing help here! Ive also sent certified letters stating such. Ive even went as far as to provide a police report from XX/XX/2018. Which was the day XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Not even a year later my identity was used!! Please help me sue this company!!
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| 06/15/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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NATIONAL CREDIT SYSTEMS is reporting an account to my consumer report causing defamation to my character. NATIONAL CREDIT SYSTEMS has identified XXXX XXXX as the supposed original creditor for this alleged debt. I contacted XXXX XXXX and they informed me that they filed a XXXX Cancelation of debt with the IRS for this account and the account has been paid. NATIONAL CREDIT SYSTEMS is attempting to collect the same amount XXXX XXXX wrote off with the IRS. This is tax fraud and I will report you to the IRS. The IRS defines a written off account as income and income is NOT reported on a consumer report. NATIONAL CREDIT SYSTEMS is attempting to extort me by furnishing this written off income to my consumer report in order to coerce me into making a payment. This is a criminal offense punishable by fine and imprisonment.
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| 10/14/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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|
Web |
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The original creditor XXXX XXXX XXXX XXXX in XXXX, South Carolina cashed a check I wrote for {$300.00} for a pet deposit. However they sent me to collections saying I owe {$340.00}, not factoring in or including my previous payment. My account was handed over to NATIONAL CREDIT SYSTEMS where they inquired about payment of this {$340.00} in XX/XX/2017. Later in 2017 I sent them an official letter disputing the charges, saying they were not valid, and requesting proof of debt. I also sent them proof of my check cashed by XXXX XXXX XXXX. They did not/have not responded to me since. However the collection debt is still open and on my credit report, and negatively affecting my credit score.
Since I have requested proof of debt, and since I have provided proof of payment, the creditor should comply with these requests.
|
| 12/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
|
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I first disputed with National Credit System in XXXX of this year. I later disputed with the company again with a follow up letter from the previous. In this letter I stated to this company that they had broken the law because according to FDCPA 807 ( 8 ). The law states that the agency is required to contact the credit bureaus and make sure to add a sentence to my credit report within 30 days that says I have disputed the item. This federal law has been broken and this item should be removed IMMEDIATELY. National Credit Systems never responded back to this dispute and I have the signed signature that the company signs when they received it in the mail. This was my 2nd choice for the company to cooperate and next step will be small claims court if company continues to report this item fraudently on my credit report
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| 11/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
Older American |
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I received a letter from National Credit Systems Inc. on XX/XX/2022, that I owed to XXXX XXXX in XXXX XXXX, SC. XXXX amount {$10000.00}.
They have authorization from them to pay 50 % of the above amount ( {$5000.00} ) to close the case.
Unfortunately, I received the said letter after I paid to them {$7000.00} to National Credit System Inc. according to collection representative asked me for pay to close the case.
So I called the XXXX XXXX XXXXXXXX and signed a fraud report on them.
But National Credit Systems IncXXXX has been processed the {$10000.00} on my Credit score report so, it's effective my credit score for 03 months.
I kindly, ask you to remove the said amount {$10000.00} from my XXXXredit score and repair my credit score for buy a new home.
Best regards, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX
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| 08/18/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Other personal consumer report
|
- Incorrect information on your report
- Information is incorrect
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|
Web |
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My situation is, Its hard for me to find a place to live for me and my XXXX girls. Simply because my credit report states that I owe XXXX XXXX Apartments {$3500.00}. The primary reason I decided to leave the property was because they kept giving me the run around about giving my ac. My daughters couldnt even stay with me because it was always XXXX. Plus we lived upstairs. XXXX also was a reason I couldnt pay rent. It was 2020. After Covid I had to figure out what to do because I was no longer at my job DUE to XXXX. plus they didnt wan na fix my AC so i when I told them I wanted out the lease they werent hearing it. Unfortunately I dont have any documents to prove any of this. I wasnt wise enough then I know better now. Now its hard to find a place because its on my credit report. Please help XXXX : XXXX XXXX XXXX
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| 04/19/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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I am writing in regards to an collection account that is being reported on my XXXX and XXXX reports every Month with a Balance of {$390.00} this account is not mine. the Company is National Credit Systems.I never signed any Documents with this company. they removed the item off my XXXX report last year. but it is still reporting negative with XXXX and XXXX. I know the FCRA states collections, charge offs and late payments should not be reporting if they are closed. especially if they are close ended accounts. I have sent dispute letters. and they always say verified or accurate. they always fail to show me proof. I would like original contracts showing my signatures.I would like these negative items removed immediately. I feel like they are breaking alot of rules. please help me resolve this matter.
thanks
|
| 12/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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XXXX took me to court for late rent, I was on a program called Section 8.My rent was {$1100.00} amount and Section 8 paid {$480.00}. Landlord took me to court for {$610.00} which I had the money order when I went to court but the landlord did not show. After living there over 5 years I explained to the judge that the landlord was sealing the home and did n't give me proper notice to move out.The landlord know I was going to bring that up in court so he did n't show. CASE WAS DISMISSED, so what the landlord do is turn around and put it on my credit report stating I owe {$3500.00}. Landlord is now stating carpet, paint and unpaid rent he now stating was {$360.00}. HE IS NOT TELLING THE TRUTH ALL THE WAY AROUND. If I owe all this way he did n't show up in court and when he filed why he did n't state I owed all this.
|
| 02/05/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
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|
Web |
Servicemember |
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Received a letter from collection company regarding a debt- National Credit Systems , Inc. stating a {$1900.00} debt was due. Sent certified letter asking for documents to validate debt. Instead of receiving information relating to the charges I received a letter in retaliation stating that they reported me to the credit bureaus for failure to make suitable arrangements and that they recommending the client proceed with additional collection remedies, garnishment of wages, Liens placed on property including, autos, real estate or other real property, seizure & auction of personal property, as well as other adverse action listed on the letter. To date I still have not received any bill or statement for these charges as requested via certified mail and received by National Credit Systems , Inc in a timely matter.
|
| 04/19/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Taking/threatening an illegal action
- Attempted to/Collected exempt funds
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|
Web |
|
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I was living in XXXX XXXX OH for 3 years. I have moved out to new location. after few days settlement charges are sent. It was {$710.00}, an unbelievable high charge. one of the item that an electric stove was asking {$480.00} dollars by saying reason that spoiled by me. Actually I used to cook at last day also there. I opened top cover to cleanup before moving out. the new similar stove in market is {$350.00}, also apartment given me old stove that have an appraisal value of {$150.00}.
I did a party at leasing office and management not given deposit money they agreed to give back after party. the reason saying that candle wax melted and spread over there. it was a XXXX yesr child birthday party we used a cigarette size XXXX candle that is not sufficent to fill entire area. any way money is not returned back.
|
| 04/04/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
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This company is threatening me stating that I owe them XXXX XXXX that i dont owe I send the over 4 letters asking them for my wet signature that I have any contract with them and they did not provide me with one all they did was keep sending me incorrect information still stating that I owe them I was not notified before they decided to report on my consumer report also so they did not follow proper procedures of the law I have told them cease and desist all information they still are reporting they told me they dont follow the laws at all I have to pay of else Im really scared my hair has falling out of my head I can sleep at night because Im really scared of them they are causing me a really XXXX XXXX I do not have Money to pay them they need to leave me alone please delete this account immediately thank you
|
| 09/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Sued you without properly notifying you of lawsuit
|
|
Web |
|
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I have a debt of over XXXX XXXX on my credit report I have no knowledge of the reason as to Why this is on my account. I have called the number that is listed on the account the lady that answered not only cursed me and was rude ( which I have witnesses to ) but refused to give me any information as to why this charge is even there because I said I was not comfortable giving my social security number over the phone. She then hung up the phone and when i called back she would pick up and hang up happened multiple times and refused to let me speak to the person above her. I have NEVER been served a paper I have NEVER had anything explaining any information that I have requested on this matter. I am asking that this debt be removed from my account due to false information and the fact I have no knowledge of this.
|
| 09/24/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 National Credit Systems , Inc sent me a letter claiming that I owe an " alleged '' debt. Scanning over the letter, I noticed National Credit Systems , Inc violated many of my federally protected consumer rights. 15 USC 1692c ( a ) states " without 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. '' I have never given written consent nor gave permission for National Credit Systems to communicate with me in connection with an " alleged '' debt. No consent equates to Identity Theft. I have since replied with a letter to cease and desist all communication with me pursuant to 15 USC 1692c ( c ) and to pay attached invoice.
|
| 05/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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This was done in XXXX, I was trying to find somewhere to stay because I was supposed to join the military, being I couldnt leave it messed a lot of things up. I was joining the reserves so I was looking to stay in the college apartment, before I was supposed to leave I completed an application which I was never told if I was approved or denied. I didnt receive any calls, text nor email stating I was approved for this apartment. Moving forward, I never received the keys how do I have XXXX in collections for somewhere I never moved? Never was told I was approved. I tried to move in XXXX and completing applications I realize this apartment complex put an entire XXXX in collections on somewhere I didnt step foot in. I have emails stating I never stayed here with the apartment complex. This is like fraud to me.
|
| 09/22/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Have been attempting to contact NCS for 2 years ( XXXX ) regarding the collection on my reports. It is a high amount and I do not owe money to the previous company. I requested multiple times for verification and the company only sends me a new bill with a new dollar amount owed. My recent request for verified contract and signatures, they sent me a new bill of {$2800.00} instead of {$4300.00}. This account is causing me financial distress and can not get a home loan until it is properly removed. I do not owe this company or the previous owner money. There was no contract and no evidence of ownership. Attached below is letters requesting ownership and proof of collection. NCS was sued in XXXX due to not providing proper information or amounts to clients struggling with their company for FCRA requirements.
|
| 09/30/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have National Credit Systems on my credit report for a debt ( {$6500.00} ) I have no knowledge of, they are collecting a debt they bought from a company I used to have dealings with but they never told me about this debt. I have asked XXXX XXXX to remove it from my report and they refuse, I have asked them to validate the debt and they refuse, there is no contract between them and the other company for them to collect on their behalf, I have also received threats from this company and harassing phone calls to not only me but one of my relatives. I sent a validation letter to them with a response of they didn't have to validate this debt and they state that there is a law suit against me but when I check with the courts they would've had to go through they state there is no suits or judgements against me.
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| 02/18/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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A document was sent to me dated XX/XX/2018 stating that I owe a collection to the apartments XXXX XXXX XXXX. This letter is not accurate for one the date is incorrect and when I moved out in XX/XX/2018 i owed a {$0.00} balance. I received my security deposit back a few months after I moved out.
When i received this letter, I called the said apartments and they told me that they did not send any amount to this " National Credit Systems, Inc ''. I have called the collections agency multiple times explaining the situation and provide documented proof with the date of XX/XX/2018. Of course they don't believe it coming it from me ( the consumer/victim ) even though I have provided proof this is not right. I have tried contacting their higher supervisors and managers and have not received any phone calls back.
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| 10/19/2022 |
Yes |
- Debt collection
- I do not know
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Hello 1st. XXXX XXXX XXXX keeps mailing personal information of mine to old addresses that I know longer reside at.
I have called national credit systems on many occasions to have them remove the old addresses and I have given them my current address and correct phone number and they still keep sending my private information to old addressed. I only know this because my XXXX ex husband resides at the address that national credit systems keeps sending my mail to. XXXX XXXX XXXX has also discussed debt details to my ex husband and this is absolutely not okay.
2nd. The debt they are accusing me of has been settled with the original creditor. I have sent receipts as well as a copy of my bank statements to national credit systems where they still refuse to remove my debt because I did not pay them directly.
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| 08/30/2018 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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i was sent to National Credit Systems collections for XXXX $ for 60 days of rent. even though i only failed to notify my ex-landlord XXXX XXXX 20 days before my leave. another thing those XXXX XXXX never returned me my deposit back and never explained to me why they didnt. i tryed to explain them that i was a victim of XXXX XXXXXXXX and a single mother and as soon as i found something i rushed to move out. especially for 5 months i paid them more. also i tryed to work for failing to notify them only 15 days because i did so 5 days ahead. their agreement also was saying they would keep the deposit OR one month rent. they kept both. people from collections dont return my calls, never showed me anything proving i have to pay for 60 days. because of them im not able to rent apartment and my name is spotted.
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| 09/30/2021 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I started a dispute with National Credit systems on XX/XX/2021 and I was told 30 business days for a decision and update to be made. The date for it to be due was XX/XX/2021 and I have not received any updates regarding the dispute or a confirmation of the results. I have contacted them and they have been reluctant to provide additional information. They attempted to collect money from me while the dispute is open and the collection representative stated information about having law experience when I told them they were not following the guidelines put in place to protect consumers. They are not filling dispute guideline or the Fair Credit Reporting Act. I have been patient during this process but, I am currently in the process of applying for housing and this agency in reporting incorrect information.
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| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Communication tactics
- Threatened to take legal action
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Web |
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For going on 3years i have been trying to work with this company on getting this account removed from my credit, i had an apartment in which i stop paying rent due to repair issues the apartment complex never made. We went to court for non payment of rent, i showed the judge my supporting evidence to my claims why I feel I did n't owe rent. The judge agreed with the evidence and enter a no money judgement and said they would have to open a new case to sue me to determine the final amount owed if any. The apartment complex never did that. The apartment complex sent my account straight to collections where they are trying to collect and i also have them on voice recorder saying they offer a pay to delete. They have also harassed me and threatened to take me to court by their lawyers which never happened.
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| 09/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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This Company constantly is reporting a debt that I owe. I have never lived in the apartments and their stating I did by the point an apartment gave them inaccurate information. Its preventing me from getting an apartment. They ask me to fill out a form I am not comfortable with a debt collection agency reporting information about me. I understand According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) .an original contract and how whatever was owed came about so forth. Now All XXXX credit bureaus have removed this off my file but National credit systems are reporting this to XXXX. I spoke with them and all they are saying is they ask this company questions and they kept it on there. I refuse to pay are submit information to a debt collection agency. I would like to have this resolved.
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| 02/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I pulled my credit report from XXXX, XXXX and XXXX XXXX and an unauthorized entry from NATIONAL CREDIT SYSTEM. I have contacted the company via certified mail for validation of this account that was signed and delivered on XX/XX/2020. NATIONAL CREDIT SYSTEM has yet to send supporting documents bearing my signature. I attempted to contact the company again via certified mail that was signed and delivered on XX/XX/2020 ; no response. Due to the lack of communication, I then contacting XXXX, XXXX and XXXX XXXX regarding this account and they have yet to provide any validation regarding this unauthorized account nor has this company contacted the credit bureau marked this account as disputed which is a direction violation Fair Debt Collection Practices Act. This entry must be DELETED from my credit file.
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| 11/29/2022 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I received a letter from this company about this alleged debt. I submitted a letter for Validation, requesting they prove the right to collect on this debt and to provide their license number for the state of Florida as it is illegal to collect on a debt without being licensed in the state of Florida.
The information sent did not provide this information and completely ignored my request.
I sent a follow-up notice stating that they failed to provide information proving their right to collect on this debt within the XXXX time frame, and requested the debt be removed from my credit as reporting it is now violating the FCRA.
I did not receive a response from them and upon further review found that they do not hold a license in the state of Florida and are therefore attempting to collect illegally.
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| 04/28/2017 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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National Credit Systems # XXXX ( XXXX XXXX XXXX , XXXX , GA XXXX , ) ( XXXX ) XXXX ) Placed Collection Balance {$1000.00} dated XXXX / XXXX / 2017 Creditors where the XXXX XXXX XXXX XXXX XXXX I lived at these residents 4yrs ago I stop living there in good standing never had a broken lease the apartment people put this fraudulent frivolous amount on my credit saying I owe them after I moved out the resident for what I do not know I was not taken to court or placed under eviction also the apartment was filled with bed bug that 's why I moved. Please handle this complaint for me and let me know what I can do as a consumer to get this off my credit I feel like I am being abused by the apartment complex because I never had any problems with them and I feel like this is a unfair
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| 10/10/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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XXXX apartments located in XXXX XXXX in XXXX, WA sent my move out statement to my old address they were updated on my new address. They did fraudulently report inaccurate credit information to national credit systems in XXXX GA to the tune of over {$3800.00}. Which was reported to the credit bureaus. This caused a major credit drop, credit denial, and eventually a very high interest rate to secure a car loan I desperately needed. I am a 1099 worker and I use my car for my employment. XXXX offered to remove the file from my credit, neither XXXX or national credit systems has to this day not removed this account from the bureaus. I also reached out via demand letter, neither have not offered any financial loss recovery and have not responded to my demand letter. I am taking them to small claims court.
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| 06/01/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I paid my account and settled in one lump sum payment. The collection company is not willing to delete my account from the bureaus. Other companies either delete after settling in full or at least update you as a paid in full. Other companies Ive dealt with claimed the same thing that they do not delete but do in fact delete when a CFPB complaint is filed. its not right to the consumers who faithfully pay there debt in full hoping to clear their bad credit history in order to regain their life back. And the average person doesnt even know about the CFPB. So they stay stuck with the bad history. Its just not right for companies like these to not delete just because they choose not too. And we wonder why there is so much poverty and homelessness in the community. Something needs to change ... ... ....
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| 06/13/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Improper contact or sharing of info
- Contacted employer after asked not to
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Web |
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I have been in contact with this debt collection since day 1 trying to come up with settlement. They have my address and phone number to reach me any time. They garnished my wages a year ago, and I was told I was good with them and the apartment complex from now on. However, the debt collection company called me after I was sent a letter saying my account was settled asking for more money. Then, when I told them that was incorrect and I would not pay, they called my employer. I had made it clear to them that they could not contact my employer before, and I have always made sure they have my contact information. So not only are they asking me for debt that was settled, but they 're also still reporting to the credit agencies that my account is n't settled, and they have attempted calling my employer.
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| 04/14/2021 |
Yes |
- Debt collection
- Other debt
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- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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Hello, on XX/XX/2021 approximately at XXXXXX/XX/XXXX eastern standard time. My daughter in law received a call from XXXX identifying themselves as : National Credit Systems. She spoke with a representative who only asked for her name, she went on to use my name. No information was verified, no social, birthdate, address or anything. He went on to provide information regarding my account including the balance information. She went on to speak with a manager and he did the same thing. No information was verified, the mrd mmdc was not said, this is a failed attempt to follow FDCPA protocol as well as giving out information regarding my personal account. I need a resolve immediately and I feel that I should be compensated for the trouble, embarrassment, and the lack of care for my personal information.
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| 07/06/2023 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On XX/XX/2023 I received a call from an unknown number I answered the call and the women I think her name was XXXX stated I have an account with XXXX XXXX XXXX with a balance of {$2800.00} not the exact amount but I asked her why would she disclose that info with out me verifying I was the person they are asking for she was being rude stated I was not trying to verify I asked her simply why are u stating any info without being verified I asked for a supervisor and she was basically rude as well as iam trying to tell her what rep just did. I was not aware of the debt as I told her Ive been working on my credit score Im at XXXX she dated well if my credit is so good this balance shouldnt be a problem why dont I open up a credit card and pay this off is my credit is so good. Someone please reach ouT
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| 07/19/2017 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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I have a debt on my credit report from National credit systems for {$100.00}. I called onXX/XX/XXXX @ XXXX to negotiate a settlement on the account. The initial lady I spoke with said she would transfer to a rep. The lady by the name of XXXX was very rude. She violated my right under the FDCPA because she did n't read the XXXX to let me know she was attempting to collect a debt. I asked to speak to a supervisor and she told me that she was the supervisor and she was not going to transfer me to anyone else. I was trying to ask additional questions about my account and she hung up in my face while I was still speaking. I was not able to get my account resolved and my rights was violated! I called and left a message on her manager ( XXXX XXXX ) voice mail and I have n't heard anything back from him.
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| 06/28/2017 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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Hello, I 'm trying to purchase my first home, and i, ve pulled my credit report and items are appeared to be on there that should n't. I 've tried numerous times with all credit bureaus on trying to fix this things, and they would n't help me. These collections thats being reported. I 've been trying to resolve the multiple negative accounts on my credit report, ( XXXX, XXXX and XXXX ) are negalecting to verfiy the accounts properly to determine which ones are duplicates or orignals. Due to poor lack of investigation and communication I 'm requesting that all accounts be removed. Because this is really hurting my future and my living. XX/XX/XXXX-National Credit Systems- {$3600.00} XX/XX/XXXX-XXXX- {$1000.00} Inquiries on XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX
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| 06/08/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have contacted the collection agency, filled out and notorized their own form, this was not me, I did not live here, also is using my maiden name, collection in XXXX, may maiden name changed in XXXX, I had printed and sent a full year covering all of XXXX utility bills from where I was living, and sent their form to their legal department, no response, have contacted them through email and by phone, with my XXXX XXXX XXXX representative, no response, this collection of {$5000.00} was not me, and needs to be taken off of my credit with all of the derogatory remark. They sent me a copy of a ledger from the now closed down apartment complex, no ID, with my maiden name and another person, whom I do not know, so that is why I emailed my water bills from the time period they gave the collection for.
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| 09/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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Web |
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I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ... that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
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| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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Have made multiple attempts to resolve this matter with the company in which they have refused on multiple occasions my request for debt validation and proof of claim on the debt they say I owe another company.
I have sent multiple certified mailings requesting debt validation and proof of claim. In which they all received. The last request has been made by phone with a representative by the name of XXXX XXXX in which I was transferred to the supervisor to process my request in which I was hung up on.
They have intentionally avoided communications with me and have refused to remove the debt from my credit report during the dispute process and follow the laws for debt collection. This one account has seriously damaged my credit report because of their illegal and unethical business practices.
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| 09/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
|
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National Credit Systems continues to report that I have an outstanding balance with XXXX XXXX XXXX on my credit report for {$1500.00}. I have explained to this collection agency that I have not lived at that community for well over 6 years, and when I did, I left on good terms. I was on a month-to-month lease, gave a 60-day notice, and left the apartment in immaculate condition. They even refunded my security deposit. So there is no way this debt exists. The apartment community no longer exists either. It was torn down and replaced with another community years ago. On repeated occasions, I have written to the collection agency, and asked them for a detailed representation of the {$1500.00} in charges they claim I owe. However, my countless attempts to acquire this information have been ignored.
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| 05/02/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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i was looking at my credit report and national credit system is on my credit report. in tennessee the statue of limitations for debt is 7 years and it has to be removed from my report. this debt started from the information online XX/XX/XXXX.
this means the debt from the national credit system according to tennessee debt collection law should come off the credit report in 7 years.
this means the debt comes off XX/XX/XXXX.
according to the credit report that i attached the last day of activity on my account now was XX/XX/XXXX.
there was no increase in balance, no new payment, and they changed or re-aged this date so the account on my credit report would stay on there for another 7 years which would be XXXX.
this is re-aging which is illegal and owes me money for this illegal activity.
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| 11/25/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
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Web |
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My complaint is against NATIONAL CREDIT SYSTEMS. Today I pulled a copy of my credit reports, and upon doing so I discovered that NATIONAL CREDIT SYSTEMS is reporting a collection account to XXXX, XXXX, and XXXX while also reporting inconsistent across the credit bureaus. NATIONAL CREDIT SYSTEMS is also incorrectly reporting that they are attorneys on my XXXX report. Impersonating Law Officials is a direct violation of federal law.
They are in clear violation of 15 USC 1692f that the FTC very clearly spells out that " A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt ''.
I am demanding that NATIONAL CREDIT SYSTEMS delete the collection account they are reporting under my social security number immediately.
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| 07/24/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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THIS DEBT COLLECTION AGENCY NATIONAL CREDIT SYSTEMS IS REPORTING/SUBMITTING FALSE INFORMATION TO XXXX. I CALLED THE AGENCY AND SPOKE TO A REPRESENTATIVE WHEN I SAW NATIONAL CREDIT SYSTEMS REPORTED ON MY CREDIT. THE REPRESENTATIVE I SPOKE TO AGREED TO MAIL A LETTER AND EVIDENCE PROVING THE ALLEGED DEBT IS MINE HOWEVER THE WOMAN NEVER SENT ANYTHING. FURTHER LOOKING INTO WHAT IS BEING REPORTED ON XXXX I SEEN THAT THE DEBT COLLECTION AGENCY IS REPORTING LATE PAYMENTS DURING MONTHS ( XXXX 2017 ) THAT I HAD NO SERVICE OR RELATION WITH THE ORIGINAL CREDITOR AS WELL AS AN INCORRECT BALANCE OF XXXX ( WHICH SHOULD BE NO BALANCE ). UPON DISPUTING THIS INFORMATION THIS AGENCY STILL HAS NOT CEASED ON REPORTING FALSE INFORMATION AND HAVE NOT REMOVED/DELETED THIS INFORMATION FROM MY CREDIT REPORT WITH XXXX.
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| 09/24/2020 |
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
- Their investigation did not fix an error on your report
|
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Web |
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I disputed the collection account ( National Credit Systems Inc. ) with XX/XX/XXXX in XX/XX/XXXX whereas XX/XX/XXXX said the debt was valid. I disagreed and contacted the debt collector ( National Credit System Inc. ) directly in writing on XX/XX/2020 demanding and under Federal Law they had 30 days to validate the debt and provide me the supporting documents from the original creditor. The debt collector did not provide me any supporting documents to validate the debt after 30 days thus the debt is no longer valid and doesn't exist. I forwarded the written request and provided evidence and documents that the debt collector did not response and requested XX/XX/XXXX remove the item and they refused. Because this item is impacting my ability to find affordable housing its urgent it is removed.
|
| 08/12/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
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Web |
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National Credit systems contacted me for a debt in XXXX. I disputed the amount and what it was for and was provided little information or how the charges were brought about or were they actually done. I did research and questioned the validity of the debt and the collector which has been pretty shady. I paid them in XXXX of XXXX so i could continue to rent apartments which I have done so for three years. They closed the account on my account in XXXX XXXX, just to reopen it in XXXX to say that I owe it. They refuse to provide the paid letter and any information on the debt, so I can take it the legal route. I lost the paper they originally sent to my apartment in XXXX I do have my bank statements showing that I paid them in XXXX XXXX and I will gladly show them but they refuse to accept them.
|
| 09/25/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
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Web |
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This debt was owed to an apartment complex where I lived 7 years ago. 4 years ago I entered into a settlement with a debt collector named XXXX with National Credit Systems to pay 50 % of the debt I owed in 10 secured monthly payments. I agreed to pay that amount and allowed him to draft all those payments from my bank account. When the last payment was taken a month or so after it was updated. For some reason it is still showing on XXXX. I called National Credit Systems to report to them that it is still showing and is paid, I talked to a XXXX. He told me he knows more than me about my account and hung up on me. I called back to see if he had made a mistake and another woman yelled at me and hung up on me as well. I am sure these calls were all recorded as I agreed to be on a recorded line.
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| 01/24/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Back in and around XXXX or XXXX i was suppose attend school at XXXX in Indiana so i was looking for an apartment. At the time i was XXXX XXXX XXXX not truly knowing how this apartment stuff work so i was applying at different apartments before i was approved for financial aid but i didnt get approved. One of the apartments was XXXX apartments in XXXX XXXX. I explain my situation to them and they told me that was fine and just sign some papers to hold the apartment just in case i got approved well i didnt so i never moved in the apartment. Years later i find out i have a debt to them for {$6400.00} for an apartment i never moved in which is causing me to be homeless now because its stopping me from getting my own place in my name as an true adult. I tried to reach out to them but no answer.
|
| 04/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/2021 I wrote a letter to National Credit Systems , IncXXXX asking them to verify/validate the debt they state I owe.
XX/XX/2021 my letter was sent via Certified Mail to " National Credit Systems XXXX Inc. XXXX. XXXX XXXX XXXX, GA XXXX '' XX/XX/2021 the letter was received and signed for.
I waited the 30 days to receive a response from National Credit Systems Inc.
I NEVER received a response to my letter, then on XX/XX/XXXX National Credit Systems Inc. reported the debt AGAIN to the credit bureaus.
Given my rights, I know that if the collection is not validated within those 30 days then the debt collector must remove it from my credit and halt reporting it.
National Credit Systems IncXXXX has not validated the debt and is unlawfully reporting this debt to the credit bureaus.
|
| 07/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened to sue you for very old debt
|
|
Web |
Servicemember |
|
Good Evening, I am an XXXX Veteran XXXX XXXX XXXX has sent a put a debt on my cr3it report for {$5300.00} plus dollars for a home, I vacated and left the premises on XX/XX/2017. I have a signed statement, from them via XXXX, releasing me from said property, I never lived there, anytime after the XX/XX/XXXX. I have the signed document, stating these facts. I have asked them to remove this from m6 credit report, they have threatened to sue me. I am XXXX XXXX XXXX veteran, who only receives va n social security for XXXX, XXXX, XXXX XXXX, XXXX, THEY CALL AND HARASS ME, I HAVE TOLD THEM TO CHECK THEIR FILES..the attached document shows, I did live there, m6 credit score dropped many points, I am asking them to remove this, as it is causing me extreme stress, and I am unable to purchase a home.
|
| 11/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
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Have an balance for an apartment 3 years passed do I 'm willing to pay ONLY my half since it 's joint. First they say I could not pay just my half then they say I could then I ask for a payment arrangement since I do n't have all that money then hopefully once my half.is paid I will have gotten in touch with the other person. They told me no so I do n't understand how you want your money if you do n't work it out. All of the staff are rude I will basically say the people.over the customer service ... do n't know how to tlk to anyone anyone as anyone as of they have arrangements attitude a rang men tatting the fact to bring up how long a debt is old is ridiculous. If someone someone is willing to pay pay something off why not help ... NATIONAL CREDIT SYSTEM OF XXXX IS RUDE AND ITS RIDICULOUS
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| 10/25/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit System has been reporting an old debt and has completely false dates about when I was living at the complex for the lease agreement. I do not know if National Credit Systems is the one providing false dates or if they purchased it with false dates. I have not lived or paid anything to the management company in over 7 1/2 years. I called them and spoke with a nice representative telling me I need to file a police report about it. I have asked for these documents that supposedly say I lived there in XXXX, which is impossible as I was under a different lease agreement at the time in XXXX XXXX. I have yet to receive these documents via email as requested. When I do receive them I will investigate further. Am I actually required to file a police report for false aging of a debt?
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
My dad got in apartment/ home in his name when I was under age XXXX but he had to list his children in the lease since we would be living there as well. I am not sure what happen but they also put this apartment on my credit even though I wasn't the lessee as I am not responsible for this debt and should not be on my credit and it has been sent to a collection agency. I have made many attempts to remove this dept with no progress made. Please help as I am a young man trying to excel in life, I pay my debt.
Creditor XXXX XXXX XXXX XXXX Apartment account # XXXX account type : Collections Bureau Code : Joint date open : XX/XX/XXXX on XXXX, XXXX XX/XX/XXXX Balance : XXXX Payment Status : Collections/Chargeoff last reported : XX/XX/XXXX on XXXX, XXXXlast active XX/XX/XXXX, on XXXX, XX/XX/XXXX
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| 12/02/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
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XXXX XXXX XXXX has sent in a false account with an amount that does not satisfy what the conditions that we left. The lease was up and we paid the last month and vacated immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not only that, the entire apartment flooded and no one came when we called to resolve the issue. Here comes the date that we move out on XXXX and they state we had to pay XXXX rent. When we left after the XXXX days notice given. How could they request rent for XXXX if we would not be there? Also the dates on my consumer report and what I have on file and what they have on file for the dates we lived there are inaccurate. The complex sold this number to an agency that is placing their own amount that they want.
|
| 12/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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XXXX XXXX XXXX located at XXXX XXXX XXXX, XXXX, Ga XXXX has been reporting to XXXX XXXX, XXXX, and XXXX a debt of {$9900.00} for a XXXX XXXX XXXX XXXX XXXX Apts.
The reports I have claim that the account was opened XX/XX/XXXX.
I have however, never lived in XXXX, Ga nor rented any sort of apartment.
I have made attempts to leave messages with the apartment complex, but have received no response back by a manager.
Additionally, on XX/XX/XXXX, I have sent the attached documents, pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating their claim is disputed and validation is requested.
As of XX/XX/XXXX, I have received no response nor correspondence from this company. However, they continue to report this negative debt on my credit reports falsely.
|
| 08/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
This is a debt that i do not owe, this is retaliation for submitting a small claims lawsuit due to property XXXX trying to take my rental assistance and came up with fake debts that i was never told about, they just show up on my credit repot ~5 months after i move out. I never recieved my deposit not did i get an explanation where it went.
I spoke with the debt collector and when i asked for a debt validation she read a list of items on a word document, no pictures, no reciepts, just an invoice, and this is enough to ruin someones credit and get away with it. I had renters insurance the was mandatory but no claim was ever submitted. This is the way XXXX individuals like me are treated. I am submitting proof of insurance that the landlord needs to submit a claim if these are real debts.
|
| 01/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I use to rent from XXXX XXXX XXXX their address XXXX XXXX XXXX XXXX, GA XXXX United States. When I moved out I called them to schedule a walk through but no one returned my calls. So I moved out and left the key with the receptionist at the front desk. Year go by I dont hear anything from them. Two years ago I was applying for another apartment and Im told Im in collections with National Credit System their contact number is XXXX. I called them and they said they are a law firm handling the debt I have with XXXX XXXX. I asked them what debt the read this long list. I told them theres no way Im being charged for normal ware and requested a receipt for all of the damages they were claiming as well as pictures because I left that apartment in perfect condition. I received nothing from them.
|
| 08/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I paid a third party ( really, fourth party - a fake law office ) which is somehow connected to National Credit Systems. In a recorded phone call, I reiterated back before giving consent to charge my credit card, that this would include the deletion of the debt. The agent said it would include the deletion of the debt. Prior experience is that debt deletion isn't difficult. You just tell the credit bureaus to remove it and they do. So after being told " I missed the cut off date '' for XXXX, I waited. 3 weeks later it's still on my credit. Since National Credit Systems doesn't feel like honoring their obligation, I no longer feel like honoring mine and I have requested a chargeback from my credit card company. This company is a scam. They should not be allowed to operate in any capacity.
|
| 02/02/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I found that my credit score dropped by 47 because National credit systems INC is trying to collect a dept on behalf of apartments renting office ( XXXX XXXX at XXXX XXXX ) for XXXX .
I had never received this money from the creditor.I sent both parties emails and certified mail for evidence that I owe that dept but they never replied.On the website it's shown that the collection started XX/XX/2019. I am sure they did not reply because they don't have any evidence.
It shows clearly in may bank account that I had never received any money from the creditor since I opened my bank account on XX/XX/2019 till present. I want to report that false dept collection and ask the collection agency to stop sending me pre-recorded voice msgs.Also i want the damage for my credit score to be reversed.
|
| 07/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had filed a claim with the CFPB to resolve the debt with the National Credit Systems ( Claim XXXX ). The debt was confirmed and NCS responded to the claim with the amount due. I agree with the result of the claim and proceeded to try to pay NCS the disputed amount. Their online portal will not allow me to pay the debt as it has a system error that has still not been resolved. When entering the amount that is due along with my SSN, their site returns an error of " Arithmetic overflow error converting varchar to data type numeric. ". This error has existed for weeks now with no resolution. When calling their Customer Support number directly, the same error occurs in their internal system and they can not locate my account despite being provided the amount that is due along with my SSN.
|
| 10/22/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I lived in XXXX XXXX XXXX in XXXX Arizona from XXXX - XX/XX/2016. I gave the leasing a 5 day notice to fix or I would be released from lease. The apartment had toxic mold beneath bathroom sink and washer/ dryer. You could not breathe in that apartment and they refused to do anything and I had kids in that house. My daughter and I were constantly in the hospital because of XXXX problems so we moved out when nothing was done. I gave them my phone number and forwarding address and told them I was moving out. I never received any documentation from them or anyone. A year later I checked XXXX XXXX and found they reported a {$7600.00} collection from national credit services without ever notifying me I owed a debt. I have tried disputing this with them and the credit bureaus but get nowhere.
|
| 10/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
Property Address : XXXX XXXX XXXX, XXXX, FL XXXX My last day of tenancy with XXXX XXXX XXXX ( XXXX XXXX. XXXX, FL ) was XXXX/XXXX/XXXX. I provided my forwarding address via email and in writing. I was to receive a Security Deposit Disposition form with an itemization of charges of the final billing. I received nothing. Not even a certified letter or no notice of an attempt to deliver a certified letter.
On or about XXXX XXXX, XXXX, I receive a call from a debt collector requesting payment of $ 1,800.00+ on behalf of XXXX XXXX XXXX
I demand to obtain a copy of the itemized billing so that I can validate the debt.
ALSO NEED THE CERTIFIED USPS DELIVERY TRACKING NUMBER OF WHEN THE FIRST STATEMENT WAS SENT BACK IN XXXX ( probably the XXXX of XXXX according to National Credit Systems )
|
| 05/03/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I had been disputing the collection account that is being reported on all XXXX credit bureaus. The credit bureaus keep responding that the debt has been verified. I requested the verification method that was used and they say that they get an electronic file. I requested documentation and was told that they do n't need documentation in order to verify the debt. In XXXX XXXX I sent a debt validation request to National Credit Systems in reference to a debt they are collecting which I never received a dunning letter for. The certified mail was delivered on XXXX XXXX and signed by XXXX XXXX . I have attached the proof of delivery in my documents. To date, I have not received a response but they are still reporting and verifying information with the credit bureaus.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
After numerous attempts to resolve this situation, I have no other option but to seek outside assistance with this matter. I have contacted both National Credit Systems and XXXX , only to be told that the account was " Verified '' by the creditor. When I inquired into WHAT METHOD was used to verify the account, as well as WHO " Verified '' it, I have yet to receive a response. I am a victim of Identity Theft, who is desperately trying to get my LIFE back to some form of normalcy after going through this chaos for the past few years. I have been in constant contact with the Credit Bureaus since XXXX of 2016. National Credit Systems is claiming that I owe a debt of {$4000.00}. I have NO recollection of this debt, and would greatly appreciate any help in rectifying this discrepancy.
|
| 11/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
XXXX at XXXX XXXX in XXXX, Georgia, owned by XXXX XXXX, is attempting to extort me for illegal move out fees. They declared I owed {$680.00} in move out fees that will be sent to National Credit Systems if I don't pay in 30 days. They are trying to charge me for normal wear and tear for carpet, blinds, and a drip pan, which is illegal under Georgia Law. They are trying to charge me for rental income I already paid, also illegal. They illegally changed the signed move out date from XX/XX/XXXX to XX/XX/XXXX, then to XX/XX/XXXX. They illegally declared that depreciation on their carpet is 8 years when federal law dictates 5 years for tack down carpet and XXXX years for glued down carpet. They sent the notice 4 days after XX/XX/XXXX, when Georgia laws requires it to be sent within 3 days.
|
| 05/03/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I lived in these apartments for over 3 years. I notified them that due to repeated robberies & my apartment being broken into, and also their failure to make adequate repairs that I was moving at the end of my lease. They contacted me about rent after I moved out & after they received the 30 day notice at the end of my lease. They didn't dispute this when talked with them directly. They sent me no notice of any debt and just sent it straight to a collection agency and put it on my credit reports. This information is not correct, I owe them nothing and trying to have the know collections agency removed this has gotten no where. The only verification they sent was regarding the lease, which shows I moved out at the end of the lease, so do not owe rent. Rent was paid thru the last month.
|
| 06/10/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
Creditor contact detai ls : National Credit Systems, XXXX . XXXX XXXX , XXXX , GA XXXX ( XXXX ) XXXX . Reporting a open date to my credit on XXXX XXXX , 2015. Ori ginal creditor : XXXX XXXX XXXX . I do not have any knowledge of this debt. I have never received any communication notifying me of this debt and their actions to place this debt on my credit, negatively impacting the reputation of my credit worthiness and livelihood, prohibiting me from being able to secure stable housing for my family and I. I request written validation of this debt including contracts between the creditor and I and valid signatures. I request that this property remove this derogatory mark from all three reporting credit bureaus and allow the chance to secure validity of this debt.
|
| 12/04/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit System Date XX/XX/ I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE XXXX 426-CHARACTER P6 STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.
|
| 02/16/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received my credit report from the three bureaus and noticed a collection account that does not belong to me. The account is listed National Credit system for an amount of XXXX dollars. I disputed this debt with the credit bureaus and they claim to verify this debt but could not provide me the details as to how they were able to verify this debt. I also reached to the collection agency who reported this debt and requested what this debt is for, how did they determine the amount they said I owed, and to provide documentation as to where I agreed to pay such amount that is said that I owe. I requested this information from the collection company on XX/XX/XXXX and have not received a response. This company is in violation of the Fair Credit Practices Act and Fair debt Collection act.
|
| 08/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I audited my credit reports, saw that this company, National Credit Systems reporting an alleged debt on my reports. Never have I received a dunning letter from this company, and never have I done any business with them. I sent them a certified letter on XX/XX/XXXX demanding that they validate this alleged debt. As of XX/XX/XXXX, I still have not received anything from them. Furthermore, I am not liable for this debt with The XXXXXXXX XXXX XXXX XXXX XXXX. To add insult to injury, I do not have any contract with this company, National Credit Systems, and they failed to provide me with the legal document that I demanded that they send me.
Account number : XXXX XXXX : {$420.00} Date opened : XX/XX/XXXX I demand that this company delete this account from my credit reports immediately.
|
| 12/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I received a copy of my credit report and I found all of these fraudulent accounts and hard inquires that were fraudulent as well National Credit Syst open on XX/XX/XXXX in the amount of XXXXXXXX XXXX XXXX XXXX open on XX/XX/XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX open on XXXX in the amount of XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of XXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XX/XX/XXXX in the amount of XXXXXXXX XXXX open on XXXX XXXX the amount of XXXX Hard Inquires that was opened XXXX/XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX XXXX on XX/XX/XXXX XXXX on XXXX XXXX/XXXX on XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 02/10/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this collection account on my reports with XXXX XXXX XXXX for some time now. I sent them a letter requesting validation of this debt and it has been well past 30 days and I have not heard anything back. Here is the tracking to prove my dispute was received XXXX XXXX XXXX XXXX XXXX. It is my right as a consumer to dispute any information that I find on my report as inaccurate, and as a consumer reporting company it is required by law that my dispute is acknowledged and investigated properly. It is illegal to ignore my dispute and I have no other choice to believe that it was ignored because they clearly can not validate this debt as accurate. I am demanding that this account is deleted from my credit report as they are in violation of my rights as a consumer!
|
| 03/23/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX ... XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 03/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ... XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 02/21/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
There are 3 different accounts on all 3 credit bureau reports that are all incorrect. I have recently sent a dispute to XXXX and I'm waiting on results. When I looked at my XXXX report the accounts are present, but they did not show up when I tried to complete a dispute with XXXX. The problem I'm having is with XXXX. I attempted to dispute these same 3 accounts and I was told that because I have tried to dispute these years ago, I can not dispute them again. XXXX has not shown me any documentation that states these accounts are correct. What else can I do to have these accounts removed? I have no contract ( and never have had any ) with either of the companies. I am currently working with XXXX XXXX in which they have sent out several letters on my behalf only to get no response.
|
| 12/07/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
On XXXX XXXX I received a letter from National Credit Systems out of Georgia stating that I owed debt and that I had 30 days to contact them to dispute it. I called them the day I received the letter and told them that I dont believe that the debt is valid, In addition I sent a letter stating that I require validation to include a copy of a signed contract with my signature and a disclosure of how much is the debt and how much were the fees. They have not gotten back to me with any information regarding the validation of my debt but they have already reported this unsubstantiated debt to my credit report. I have the right to dispute the debt and to have it validated. I feel that has been denied me as they have already reported this and it is already negatively impacted my credit.
|
| 07/06/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
national credit systems illegally obtained my personal information, to report inaccurate information. They are not the original creditor.
Nation credit system failed and neglected to obtain original documentation to accurately report this claim.
XXXX including XXXX is also liable and guilty for claiming to legally verify this account information.
This account is being reported as a collection account but the status remains active/open.
This account open date and status update can not be the same.
National Credit systems has re aged this account showing to be opened in XXXX when in fact the account was opened in XXXX. This is fraud I will be filing a complaint with the attorney general, this is against FCRA and other rights of the consumer.
XXXX XXXX - delete account
|
| 08/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
I have tried to resolve a " debt '' that is supposedly mines with " National credit system '' I have been sending them letters to verify that I signed and owe them the alleged debt, however they still have not produced any information stating what debt I owe them. Now they have put this debt into collection on my personal credit and it is damaging my credit. I never gave them permission to run, use or verbal persmission to obtain my social security number and ever since they obtained my ssn I been going through a case of identify theft. I have been trying to communicate with this third party group since may timeframe giving them 30 days to resolve the issue. They have had the last 90 days to resolve this issue and since they ca n't comply with my request I am filing a complaint.
|
| 05/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
My son was a student at XXXX XXXX XXXX . I " co signed '' his one year lease. " Guarantee '' One year later he took a new lease, new date, new dollar amount. I did NOT co sign and did not guarantee the seco nd lease. Landlord is trying to hold me responsible. The landlord has hired National Collections of XXXX Ga. to collect on unpaid rent and damage to apartment. The bill collector removed the staple from the first lease, removed the signature page with my signature from the first lease and attached it to the second lease in attempt to imply I co signed second lease. My evidence is clear from date on the " guarantee '' and from date of public notate signatory. Please help me have this removed from the XXXX credit reporting files : XXXX XXXX XXXX XXXX
|
| 04/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
|
|
I rented an apartment at XXXX for several months. I provided a 60-Day Move Out Notice, paid all items ( rent, utilities, etc. ), got a zero-debt statement, and a refund check from landlord. Landlord 's manager XXXX signed a receipt.The apartment complex was XXXX ( managed by XXXX ) and currently is named " XXXX '' ( managed by XXXX ). However, Landlord has created a fake debt and sent it to collections agency NATIONAL CREDIT SYSTEMS whose representative XXXX ( XXXX ) has been harassing me for the last 3 months. XXXX said that her company had purchased my debt, tried to get me pay by phone, and threatened me with damaging my credit by informing the credit bureaus about this debt. I tried to speak with landlord, but it said they already " SOLD MY DEBT '' to the collections agency.
|
| 08/26/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
A few years ago, I noticed a collection account on my credit report from National Credit Systems representing a lease from an apartment complex that was not paid. I recently addressed this with the collection agency and they requested proof that this account was not mine. I supplied them with a police report, a identity theft report, a notorized affidavit, as well as a lease agreement of the place I was actually staying at the time of the alleged lease which they requested. I supplied them with all the information they requested from me and still they come back saying that this account was mine.
At this point they are violating my rights and hurting my ability to obtain credit which is illegal because this lease was a result of identity theft which they are reporting to XXXX.
|
| 08/14/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I sent a Debt Validation letter to National Credit Systems and I haven't received anything showing alleged original paperwork from original creditor.I sent a certified letter to them and never received nothing back.Right then it was supposed to be removed from my credit report due to failed no response or proof.I also sent a certified letter of a settlement just to get rid of alleged debt but off was rejected.Also the person I spoke with states he's a supervisor after I ask for another supervisor he states he's the only one, right off I don't feel comfortable.I asked Mr XXXX for at least a settlement agreement in writing stating once alleged debt of agreed settlement was paid that account would be deleted from all credit reporting agencies and so on, he states he can't do that.
|
| 07/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I paid for a XXXX XXXX with XXXX XXXX ( XXXX XXXX XXXX XXXX ) that covered any evictions and other fees up to {$3000.00} dollars.
Once evicted from XXXX Apartment Homes ( XXXX XXXX XXXX XXXX ) in XXXX my final statement/cost owed was {$2800.00}. XXXX XXXX should have paid that to XXXX but now National Credit Systems is reporting to all credit bureaus that I still owe {$2800.00} to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) which is untrue because my XXXX XXXX covered upto {$3000.00}.
Also, NCS stated in a letter after an my attorney disputed information in XXXX, that the original creditor is Sure Deposit and not XXXX XXXX XXXX XXXX XXXX XXXX. - attached I have attached my final statement from XXXX and also XXXX XXXX information and the eviction dismissal with no fines owed.
|
| 08/21/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This Account : 1.NATIONAL CREDIT SYSTEM. This agency is in VIOLATION of 15USC 1692g. You ( NATIONAL CREDIT SYSTEMS ), were to notify me of this in WRITING 5 days prior, I was not. As the original creditor, only I can validate This debt. Therefore, the following Accounts must be deleted from my credit reports.
FAILURE TO RESPOND SATISFACTORILY WITH DELETION OF THE ABOVE REFERENCED ACCOUNT, will RESULT IN LEGAL ACTIONS BEING TAKEN AGAINST your company, for which I'll be SEEKING {$1000.00} per VIOLATION FOR : 1. DEFAMATION OF CHARACTER 2. NEGLIGENT ENABLEMENT of IDENTITY FRAUD 3. FAIR CREDIT COLLECTIONS PRACTICES ACT 15 USC 1692g VIOLATIONS 4. FAIR CREDIT REPORTING 15 USC 1681 VIOLATIONS FOR WILLFUL NONCOPLIANCE- 616. CIVIL LIABILITY FOR WILLFUL NONCOPLIANCE [ 15 U.S.C 1681n ]
|
| 09/25/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
My account manager was so rude. His name is XXXX. Every time he picked up the phone he was always huffy and puffy, literally answered like he was tired of being there. Ive only spoken to him 3x and EVERY single time I called he has always been so rude. He doesnt offer any solutions nor does he have any compassion, not asking for him to break the law- asking for him to care about the people he collects from seeing they he gets a piece of commission from the people that pay. Got ta get rid of this dude or do better at training- I would have paid in full a long time ago but XXXX ; the fact that I have to pay with him- knowing he gets commission off what I owe. Hope he enjoys it! Please reach out to XXXX from national credit system, super nice guy, definitely want to ask for him.
|
| 04/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
XX/XX/XXXX obtained copy of my credit report.it shows National Credit Systems ( NCS ) balance of {$3200.00} owed to XXXX XXXX, opened XX/XX/XXXX.
I owe no such debt! in fact, I have legal settlement agreement from XX/XX/XXXX with XXXX apts showing no money is owed and the matter was completely closed. how NCS claims such info is beyond me.
they refuse to provided any records or explanation for the alleged charges they continue to verify and report to the credit bureaus.. they argue, threaten and demand payment. the account shows like it is new so I have been denied a home loan. this is the only negative account on my credit report. I notified XXXX of the situation and they said they no longer have the acct or records. I can not afford an attorney to fight this. please help.
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| 05/11/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I called National Credit Systems because the credit reported to all 3 credit reporting agency back on XXXX20.They are trying to collect on an invalid debt. They do not have the last payment date on XXXX XXXX XXXX XXXX. By them not having the last payment date the statue of limitation can not be properly Calcuted. They wrongfully credit reported on my report with a invalid debt. I informed them that without the last payment date they can not properly Calcute the statue of limitation for this debt. Which makes this an invalid debt. The also unlawfully credit reported this to all 3 credit reporting agencies. They refused to fix it. They said dont know what I'm talking about and that they're not lawyers so there's nothing they can do for me but notate my account in their office.
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| 01/08/2021 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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In XXXX, the company know as National credit systems received a copy of an FTC report filed that included the company XXXX XXXX for XXXX the XX/XX/XXXX whom is their client. The information was not deleted ands when I spoke with the debt collector, I was told that they would not be deleting the debt and they had received the FTC report. In XX/XX/XXXX, I filed a second FTC report for this same account. I have also sent a letter to the debt collector stating that they would be sued. I have yet to receive any letter stating that the debt has been deleted. I am not sure of the amount that is being collected on. The debt collector has certified that they have received both reports and still nothing. This company is on the track of being sued by myself for distress and my rights.
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| 03/29/2023 |
No |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
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I reached out to XXXX XXXX XXXX on XX/XX/2023 in regards to the inaccurate information the business was reporting. They intern sent me a outdated lease, and some more papers they considered validated the debt. I sent them the paid recipt and email verification. i received a call from a screaming woman stating she was an attorney and et. i explained to her that they bought outdated information that could potentially land hemin court she hung up. I kept asking her her name she kept yelling saying she was an attorney and if I couldnt provide her with a check number then it will stay on my credit. I personally would like to see them in court. I was very intimidated by the threats and offended because in all actuality they are fraud. Conspiracy to hinder the fruits of my labor.
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| 10/13/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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I had been working with XXXX XXXX in house XXXX XXXX Department for a couple of months to resolve a past due rent balance and keep this debt from going to a 3rd party outside collection agency. Some point during the months I had making payments., National Credit Systems , Inc had contracted me about this past due balance- stating that I had not made suitable arrangements to pay this debt. In response I told them that I'm disputing this debt entirely and requested debt validation under the fair debt collection practices act. It has been over 3 months since they received the letter and to this day, I had received no supporting documents that proof that this debt as mine and they still continue to pursue collection activity including reporting this debt on my credit reports!
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| 01/02/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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It has now been ( 90 ) days that National Credit Systems has not furnished a contract bearing my signature, in order to bind me to an alleged debt that they claimed to verify but have not sent me ANY of the documentation I asked for, nor that I am entitled to under the Fair Debt Collection Practices Act. They are in violation of this act for NOT verifying this debt reported on my credit nor furnishing me with a contract bearing my signature binding me to this debt for more than ( 90 ) days. This account should be deleted firstly from my credit report and immediately afterwards from their system entirely. These are false, misleading and inaccurate actions that is unfair to me enjoying the benefits and privileges of fair credit reporting and should be deleted expeditiously.
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| 06/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX reported a collection on all XXXX credit reporting services in XX/XX/XXXX from an alleged debt owed from a apartment complex that I moved from in XX/XX/XXXX. I disputed the account and XXXX was the only XXXX to remove. I then sent a debt validation letter to said company on XXXX XXXX and my XXXX day notice to vacate form from said apartment complex and after not receiving any answer, I sent another debt validation letter and the vacate form again on XX/XX/XXXX to which National Credit System refused to answer again. This company has single handedly dropped my credit score XXXX points which has caused a snow ball effect with some of my creditors either dropping my credit limit or closing my credit card accounts.
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| 04/07/2018 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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since XX/XX/XXXX I have been trying to resolve an account on my credit report from National credit systems. they claim I owe XXXX XXXX XXXX. {$200.00} no clue what this is even for?? I never received any notice from anyone. I asked for explanation.but was never given a reason. just sent another bill. I want proof of how and why XXXX is owed anything. I moved from there in XX/XX/XXXX but it shows XX/XX/XXXX. called XXXX but was informed to talk to the collection agency. National Credit has verified this account on all three credit bureaus in XX/XX/XXXX and again in XX/XX/XXXX. I sent two letters requesting info and still nothing. I receive tons of phone calls daily with recorded message like a robot saying to call them back personal business matter. I feel this is a scam.
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| 03/17/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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the following action was taken to resolve a complaint of false use of information added to my credit report by National credit System in my XXXX and XXXX report they reported information on a outdated rental contract and in XXXX its illegal after 3 years and they added a false amount then i reported it they changed the amount in stead of deleting it for false reporting then still added it back to my report with out properly notifying me and still this was false i never signed or received information from National Credit systems or XXXX XXXX apartments i want this false information and dates of me signing agreements with this company off all my credit reports this is illegal in all areas and i have never dealt with this misrepresentation on a company with false paperwork
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| 07/31/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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Web |
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Original Creditor XXXX XXXX sold the debt for a studio lease to National Credit Systems after they changed management companies. National Credit Systems added three tradelines worth of debt on three credit bureaus without proof and incorrect amounts and account numbers. Only one discrepancy remains on Equifax and they 've refused to remove the last discrepancy because it 's due to expire in XX/XX/XXXX, the seven year mark, however it 's not fair and I 've been battling this for a long time over 3 years in credit repair. This is unjustifiable that three tradelines with inaccurate information were added to three credit bureaus and the only excuse they can provide is it 's due to expire in XX/XX/XXXX, I think I 've suffered enough injustice. Please look into this. Thanks.
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| 08/19/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Closing the debt on my credit bureau reports is not the same as correcting the debt that I do not owe. In addition this incorrect debt is still on my renters history for an apartment I never rented. I have attached proof that the erroneous entries to my credit bureau reports should be corrected and the erroneous entries to my renters history should be removed. Please reference page 5 which states the administration fee is refundable if denied. Please reference page 6 which clearly shows I was denied. In addition any entries made in relation to XXXX XXXX XXXX, XXXX XXXX which is my Sisters address not mine, should be removed. Please be reminded that there is no court judgment that was arrived at, that would give you the authority to enter this debt on my renters history.
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| 03/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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On XX/XX/2019 I sent a 3rd party debt validation letter to National Credit Systems requesting any contractual agreement between me and their agency and to this date no proof of validation has been submitted to me as demanded. I have never done any business with this agency nor do I wish to do so. The alleged debt is in the amount of {$4500.00} which is a fraudulent charge. By law pursuant to 15 U.S.C. section 1681 ( s ) ( 2 ) of the Fair Credit Reporting Act ( FCRA ), Nation Credit Systems has failed to validate this alleged debt within the ( 30 ) day time frame as pursuant to 15 U.S.C. section 1681 ( g ) ( 4 ). They have NO signed contract with my signature stating that I give them ANY permission to access my credit reports as pursuant to 15 U.S.C. section 1681 ( b ).
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| 01/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems attached a collections of {$91.00} on my credit. The debt is from XXXX XXXX XXXX. I've never lived at XXXX XXXX XXXX. I've spoken with National Credit Systems, and it didn't resolve anything. I've filed with XXXX and they've removed the collections from my credit. I called XXXX and filed a dispute on XX/XX/2020 at XXXX, and the only thing XXXX did was send me a credit report, but didn't send results of my dispute. XXXX XXXX website doesn't even show my dispute. Meanwhile, XXXX said I owed the debt, but didn't offer me any evidence. I don't even believe they investigated the dispute like they claimed. My credit information has all the places I've lived, and XXXX XXXX is not one of them. XXXX and XXXX is allowing my credit to be tampered with.
|
| 07/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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The debt has not been paid however, the debt is not owed. I broke my lease with XXXX XXXX XXXX due to being stalked/harassed. I communicated this to the property management and they informed me the only way to be relieved of owing the remaining rent and/or 2 months lease break fee I would have to supply them with a police report. The police report was provided to their corporate office. Despite me providing the police report the account was transferred to National Credit Systems , Inc. My wife and I have been attempting to work with XXXX XXXX on this matter to get it resolved but we aren't getting anywhere. I have/will enclose the documents to show that this debt should been removed from my XXXX report as well closed and not sold to any other creditors or debt buyers.
|
| 07/26/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
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Web |
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I have repeatedly in the past attempted to resolve this matter this account swiftly and amicably. I have sent National Credit Systems , INC several official correspondence, all of which they have ignored or vaguely responded to. The attached document shows my cease and desist letter I sent to NCS, under the FDCPA 15 USC 1692c ( c ) once they received these letters they are required to immediately cease all communications concerning this account via any medium. The suspension of all communication includes me the consumer and all consumer reporting agencies such as XXXX and XXXX As shown in the attachment below labelled " E '' and " EE '' NCS has continued to violate federal laws by continuing to communicate about this account through various mediums with XXXX and XXXX
|
| 12/28/2020 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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My daughter was a student at XXXX living in a two bedroom apartment. We had to move due to the apartment was shutting down due to mold and other issues. I personally drove to Louisiana to move my daughter. I cleaned and made sure the apartment was in the same condition it was given to us. I gave them there apartment back cleaner than it was given to us. Upon returning the key no one came by to do a final inspections with us to discuss any issues. Then I received a bill for which I have no clue what it is for. I did not receive my deposit back but this bill. After receiving a credit report that my score was reduced because of a collection from National Credit Systems on behalf of XXXX XXXX XXXX XXXX.
I was never informed as to why I am being bill the amount of XXXX
|
| 08/14/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
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Since XXXX through XXXX I have been trying to solve an incorrect reporting by National Credit Systems Inc. In XXXX of XXXX I consulted with an atty to represent me on my behalf of which they agreed, and the attorney group sent a letter to National Credit Systems via certified letter of which it revealed they received the letter and did not comply with my request. since thus time this company has not mail any supporting documents to the attorney group to support why they are reporting a charge of {$6900.00} on all XXXX major credit bureaus, which is greatly impacting me. Additionally, I have sent letters to the credit bureaus in XXXX XX/XX/XXXX and XXXX - XX/XX/XXXX, still no resolve. National Credit Sytems continues to update credit report monthly siting collection.
|
| 08/14/2023 |
Yes |
- Debt collection
- Credit card debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
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Web |
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The problem is that this NATIONAL CREDIT SYSTEM company is duplicating the accounts I have a collection, they do not want to withdraw the accounts, they have duplicates and they just call me, threatening to take money from my account and proceed legally, these accounts were opened fraudulently by a credit company departments that obtained my information and illegally rented to other people in my name, I contacted the departments and they only told me that I had to pay or I would be taken to court, I specified that I had never lived there and that they did not even have my income as to prove income, everything was done under my social security and not verified, in general they took my social and rented to personals illegallyXXXXXXXX XXXX XXXX was the place they used
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| 09/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
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I am a resident of texas. I lived in apartment name The XXXX XXXX / XXXX on XXXX. address is XXXX XXXX XXXX XXXX XXXX, XXXX TX XXXX. I lived from XX/XX/XXXX to XX/XX/XXXX. When i was moving out I made sure from apartment leasing office regarding my last rent due and paid them via money order. I also gave them my forwarding address to send any notices and my security deposit. Instead of sending me a notice of whats due and they even kept my security deposit. they send my balance due to collection agency located in Georgia without even giving me a call or giving me a notice. I also called apartment to find out what is due exactly. the manager didnt want to talk or call me back. I also reported the landlord to texas attorney general office regarding their practice.
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| 09/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Communication tactics
- Frequent or repeated calls
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Web |
|
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Starting on XX/XX/XXXX around XXXX is when they started calling me, and I've told them if they don't want to provide the information I requested then I would not be cooperating with them until said information was provided. The calls slowed, but now they have gotten more aggressive calling twice a day nearly once a week and constantly using new phone numbers to get around my blocking to fill up my inbox with numerous voice-mails of the same thing over and over again. It's been 4 months now and they refuse to cooperate or stop harassing me. It's extremely ridiculous to the point where I've contemplated paying the money to change my phone number. I am including a screenshot of the calls from just the last few weeks to show their constant calling and voice messages.
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| 03/23/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
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I have received a Debt Collection on my Credit Report for a collections on a past-due bill that I was never notified of. I went to National Credit Systems with the collections amount reported on my credit files along with my Social Security Number and no debt with those details are listed in their own system. I was never notified of a past-due bill from my former landlord, nor was I provided with notice from NCS that the past-due bill was sent to them for collections. When I went to NCS to pay the reported debt, their own systems are not even able to locate the account based on the details listed in my credit report under Collections. I submitted a Dispute with XXXX, XXXX, and XXXX. XXXX found in my favor, XXXX found in favor of NCS, and XXXX is still reviewing.
|
| 10/07/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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On XX/XX/2021 I submitted a doesnt validation for validity of the debt, I received a letter from leasing a company not from the company that I sent the letter to. They failed to validate the debt that I had with that I entered a legally binding contract with company with my signature. In the US law encyclopedia, XXXX XXXX, XXXX XXXX XXXX XXXX. Sections XXXX ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor.
|
| 09/28/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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|
Web |
|
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I want to try this again since this company 's response is always the same. I do n't feel that this company is looking into this at all and I feel they are running an illegal practice in their collection agency.
I have recently relocated to Mississippi for work and was informed by my attorney that this claim needs to be taken off my credit report per Mississippi Law. I have been fighting this company for over a year now with this claim. IT 'S NOT MINE. I am trying to buy a home as I am currently living with a coworker and trying to XXXX with me. So for the last time before I get my attorney involved take care of this claim.
You claim you ca n't find me in your system, well here 's your info My account number with you is XXXX Your clients account number is XXXX
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| 09/29/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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I received a letter from the national credit systems XX/XX/2021 stating that I owe a debt with an apartment complex Ive never stayed at in my life. I reached out to national credit systems XX/XX/2021 regarding this debt of {$450.00} and try to settle it because its damaging my credit which is actually being charged twice on my credit report. I demanded proof and they responded that the proof is only for them to see and they cant provide me with documentation however they did send me over the itemized list from the original creditor and its insufficient as if charges were made up. I have never stayed there and I want it deleted from my report. And I am willing to pay for a delete or settle the account ( due to my current financial standings ) and have it deleted
|
| 05/31/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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I do not owe this debt. Once again I reached out for validation of this alleged debt of {$2400.00} on XX/XX/XXXX. I have a yet to receive a response. At this time I demand the alleged debt to be immediately removed from my credit reports as soon as possible. This is damaging to my reputation. I never got a letter allowing me the time to dispute this debt with them before they illegally attached this to my credit profile in XXXX. Once again I have asked for validation of this alleged debt. They have it listed on my report that it was " verified '' on XX/XX/XXXX. Which is not true. I have not received any sort of verification or validation and because they failed to respond within 30 days. I know this must be removed from my credit report.Thank you for your time.
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| 08/07/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
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XXXX XXXX XXXX XXXX threatened to sue me for eviction after I filed for assistance with XXXX XXXX XXXX XXXX XXXX. They continued to harass me until I moved out of the apartment. Afterwards, I was notified that the eviction was canceled after my approval for rental relief. They opted not to accept the rental relief assistance, and instead referred a XXXX collection account to National Credit Services . I have disputed this account on my credit report multiple times as I was terminated from a previous job during COVID and had debt assistance that should have canceled the rent. Additionally, I had a deposit contract, as recommended by the leasing company, that would have released me from any obligation to repair or pay and I was charged both in the final invoice.
|
| 12/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2022 National Credit Systems , Inc agency sent me a letter in the mail, seeking an unvalidated and incorrect amount on the behalf of their client - XXXX XXXX XXXX XXXX. The letter did not contain any itemization of the bill. The letter also did not include the section on my right to dispute or to verify it. Moreover, the letter only contained the phone number and a threat of reporting the debt to major credit bureaus. The debt has already been reported to all credit bureaus two months prior the letter was sent to me. There are already three instances of false information from this collection agency. Moreover, the agency is not updating the payments that I made to the original creditor, and continues to falsely represent it to the major credit bureaus.
|
| 05/21/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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This debt has to do with an apartment lease that the apartment complex broke in XX/XX/2020. A company that buys debt from apartment companies called National Credit Systems has posted this debt on my XXXX Credit report has described the debt as " XXXX at XXXX XXXXXXXX XXXX '' and listed the debt amount as {$2500.00} I was current on my lease, reported my HVAC unit had broken in the middle of the summer on a Friday afternoon and even though the apartment complex had an after hours repair people, they did not fix my HVAC system until the following Monday. As they had broken the terms of the lease agreement and after that, I could not depend on them to honor the terms of the lease, I moved out before the end of the lease as the lease was, at that point, invalid.
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| 03/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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I am deeply devastated about a collection account that is reporting incorrectly on my credit report. These accounts are invalidated, unverifiable, inaccurate, & FCRA violations. These inaccurate items on my report are affecting me badly. I have been living in the same apartment address XXXX XXXX XXXX for more than 5 years. this. XXXX XXXX ACCOUNT IS inaccurate. I am in complete shock and saddened and need this to please be removed immediately due to how much it has affected me to sign up for a new credit card and purchase a new vehicle. my credit was in absolute good standing until this account XXXX XXXX appeared on my credit report. I NEVER AUTHORIZED TO OBTAIN MY CONSUMER REPORT. THIS XXXX XXXX COLLECTION ACCOUNT IS FRAUDULENT AND HAS NO PERMISSIBLE PURPOSE.
|
| 04/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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My family and I moved out of the XXXX XXXX apartments in XXXX XXXX, TX in XX/XX/XXXX. We were never told by management that we had owed any money and we were paid up until we moved. We provided management our forwarding address and we also were still receiving mail at the property up to a month later. We never received any documentation regarding this collection, no phone calls. I have disputed this time and time again. This has been removed from my XXXX account due to the statute of limitations. Its been past XXXX years by TX laws and past XXXX years by GA laws. I didnt move from TX until XXXX. This has been removed and replaced on my credit several times in the past year and the balance has increased. This collection was also put on my credit in XX/XX/XXXX.
|
| 08/05/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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It has been over 30 days since NATIONAL CREDIT SYSTEM and XXXX XXXX XXXX received my correspondence which contained my VALID DRIVERS LICENSE, FTC ID THEFT AFFIDAVIT, POLICE REPORT and I have not received any other notices that the FALSE information therein was DELETED, and yet this FALSE inaccurate information still remains on my file with the last investigation.
15 U.S.C. 1681i ( a ) ( 1 ) ( a ) requires that each time a consumer reporting agency receives a dispute, or an affirmation of inaccurate information it shall reinvestigate free of charge, record the current status of the disputed information or delete the item from the file within 30 days, beginning on the date the dispute was received unless the account is determined to be frivolous or irrelevant.
|
| 07/30/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have a court ordered if a {$0.00} balance judgment with XXXX XXXX XXXX National Credit System is placing that on my account knowing I have a court disposition saying it do not know owe this apartment complex. I tried contacting to send them the court disposition but the manager keeps giving me the wrong email address. I called XXXX and the manager XXXX has a personal issue with me, shes aware that I do not owe this and has been harassing me via email about this. She also threaten that she knows someone at the collection Agency and that they will placed it on my report. XXXX XXXX courts instructed me to give the court disposition to the 3 major credit bureaus if they attempt to place this on my credit. Which they did I am disputing this with XXXX currently.
|
| 11/19/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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In XXXX. I became a victim of identity theft. I am now XXXX years old, XXXX XXXX college and to my knowledge, never have I ever had in apartment in my name. This has caused me a grave inconvenience because its hindering me from getting out on my own. This company is saying I owe them over {$6000.00} which I find ludicrous. I contacted them after I got denied from applying for an apartment. Again. I have never lived on my own. I reached out XX/XX/XXXX to let them know that I have been a victim of fraud. They were very rude and didnt want to hear it. This whole ordeal has caused me XXXX, Ive been crying tears sea deep because I cant get approved anywhere and its not even my fault. Me being a XXXX XXXX I should be celebrating but my joy has been stolen from me.
|
| 08/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2018, about three months after moving out of XXXX XXXX XXXX apartments in XXXX I noticed a derogatory remark on my credit report saying I owed {$97.00} in utilities and it had gone into collections. Over the 12 months of living at XXXX XXXX XXXX apartments, I paid all my rent and other fees on time and was under the impression that nothing else was owed so this came as a shock to me. I contacted XXXX XXXX XXXX apartments and they said they had sent letters to my apartment after I had moved out which would explain why I never got any notice.
I have also sent letters to National Credit Systems - the creditor for this debt - asking for this derogatory mark to be removed from my credit report once I pay the amount owed but I've heard nothing back.
|
| 02/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I XX/XX/XXXX, I mailed a written letter in a certified mailed receipt with signature requesting requesting a debit verification to National Credit System. As of XX/XX/XXXX National Credit System has not response. I just receive a XXXX notice from National Credit System stated that I have not reach out to them threatening to report on my and my son XXXX XXXX credit report. I had file a complaint to the Attorney General office regarding this issue.
I have the proof and tracking from United State Postal Service.
National System INC has violation the FDCPA for debt collector to refuse to send a validation notice or fail to respond to my verification letter.
I am having issue attaching it to this compliant but i emailed to whomever is handling this matter
|
| 09/29/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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I have disputed this debt with the credit bureaus and it came back verified i have since then contacted the company and haven't received a response. Where are the documents that your company used to verify that you are reporting these accounts accurately? What is the name of the person in your company who verified the accuracy of this account? What documents did they use to verify them? Please provide me with the name of that individual, their company title, and telephone number as well as copies of the documents that they used to verify that this disputed item are being reported accurately. You are illegally attempting to collect alleged debt and money that I do not owe. As per the law, cease and desist all collection activity, including credit reporting.
|
| 07/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
|
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I have contacted this company several times to validate this debt and they have not sent me any documentation ( original contract with full social security number, date of birth, and original signature ) to verify that the debt is in fact mine. I sent the very correspondence to them via certified letter on XX/XX/2021. I sent an updated letter 30 days later to request deletion of the debt due to no response. Then I filed a complaint with the CFPB. They responded to the complaint by saying they are still working on it. It has been over 30 days so the only thing they need to work on is deleting this debt from my credit profile with all credit bureaus. As of today, I have filed a complaint with the FTC regarding the debt collection practices of this company.
|
| 05/21/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Disputed collection from National Credit Systems , Inc regarding a debt that was owe on my credit report in the amount of {$390.00}. First dispute letter was sent on XX/XX/2019 and second letter was sent XX/XX/2019 and the third letter was sent on XX/XX/2019. After three attempts of asking for legal documentation showing where I'm responsible for this debt. I received two letters on XX/XX/XXXX and XX/XX/2019 stating the same thing that my dispute has been investigated, however we have yet to find sufficient evidence to validate the amount owe. They asked if I can provide their company with all relevant documentation and information supporting to show them regarding the debt. And they will only revise or delete the debt if I provide them with information.
|
| 03/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I certify that the information above is true and accurate to the best of my knowledge under penalty of perjury ( under the laws of the United States, if carried out outside the United States ). Moreover, I certify that I am authorized to initiate this dispute under FEDERAL and STATE Legislation. Additionally, I am aware that major factual misstatements or omissions are a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, perjury is a crime under 18 U.S.C. 1621, which makes these lies punishable. My credit report contains a collection that has nothing to do with any purchases I've made. I claim that someone or something utilized my personal information without my consent to apply for products, services, or money and was successful.
|
| 04/03/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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This debt was reported on my credit inXX/XX/2017. I do not owe national credit system at all they are stating I owe XXXX. Ive called several times to explain I dont owe the debt this company is very rude they also provide wrong information. Ive been trying to dispute this matter for the past 2 years this company will not budge. But they will send repeated phones to the point I had to change my telephone number. I never received notice that I could dispute this matter from national credit system they kept saying they were going to send documentation that owe this debt and that this was a joint account Im not respond or this account. And Im tired of the harassment I shouldnt have to change my number in order to stop receiving calls from multiple numbers.
|
| 04/22/2018 |
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
|
|
Web |
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I have disputed negative information on my credit report from National Credit System 's Account number XXXX with XXXX several times under the FCRA. I have also sent supporting documentation from the XXXX County Magistrate showing where this debt was not valid. I have submitted copies of the ruling from the judge to XXXX on three separate occasions via certified mail. I am requesting that XXXX to delete this negative information ASAP per the fair credit reporting act. I have already filed a complaint with the State of Georgia Attorney General. If this information is not deleted under the FCRA, I will have no choice but to provide all supporting documentation to my attorney and proceed with taking legal action based off XXXX clearly ignoring federal law.
|
| 10/08/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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I sent several certified mail in XXXX of 2017, Ive filed several complaints within the 6 months for this particular account. I havent gotten no response. Im fed up, Ive asked to prove how both XXXX and National Credit System were able to verify this account 100 accurately before placing it on my credit file as an error. By law you cant verify an account without original documents. FCRA Section 609. I repeated that Im not aware of the account several times and Ive been ignored so whats left is to take legal actions against XXXX & National Credit System. You will be contacted by my lawyer and the attorney generals office about this account. It has caused great pain and suffering to my life. I will make sure this matter is resolved within the next month.
|
| 11/25/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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On or around XX/XX/XXXX I noticed something on my credit report for a balance of XXXX XXXX I called the collections agency and they told me my account was being handled by XXXX XX/XX/XXXX. I called the law office and spoke with an account rep and she notified me that I needed to pay the amount above. I disputed the account over the phone with her that same day. I also sent out dispute letters regarding the account to both offices ( national credit systems ) to verify the debt. I called the law office today XX/XX/2020 to see what the progress was, and the account has not been investigated at all! They can not verify the debt that it is in my name! In breach of the fcra! I can not speak to a supervisor on either companies because all they do is hang up!
|
| 01/26/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
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Writer resided at XXXX XXXX XXXX and upon moving out, keys were returned and expenses satisfied, XX/XX/2013, The apartment complex claimed that I owed a fee of {$500.00} and I didn't know about this until XXXX XXXX notified me as I was in the process of starting rental process with them. Writer phoned XXXX XXXX numerous times to question the unknown fee, manager at the time would hang up on me or simply have secretary refuse to put my calls through to her, since I could not get in touch with with anyone, I satisfied the unknown debt through their payment system in order to secure the new apartment with XXXX, yet XXXX XXXX continues to refuse to remove the negative item from my report. I am not the first person XXXX has done this to, being vindictive.
|
| 11/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
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National credit systems fraudulently reported debt on my credit and gas ignored my repeated attempts to validate debt get it removed. They report that I owe amounts around {$300.00} to each of these apartments that I never lived in and have no knowledge of. In fact, when I call the apartments to discuss debt they said they have no idea who I am and also confirm that Ive never lived there and never set foot on their premises. I didnt even live in Texas XXXX XXXX, and the alleged debts are from XXXX. Therefore these entries must be removed : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$350.00} in XX/XX/XXXX Account number XXXX XXXXXXXX XXXX XXXX XXXX Opened XX/XX/XXXX {$300.00} Account number XXXX XXXX. XXXX XXXX {$310.00} Account number XXXX Opened XX/XX/XXXX
|
| 12/27/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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Dept collection attempt made by " National Credit Systems Inc., in the amount of {$410.00} '' Debt belongs to ex husband. I asked for proof that debt belonged to me. They declined to provide proof and said it was information provided by the leasing company seeking payment. I contacted leasing company and received a copy of the " lease holder modification '' form they have on file stating I left the leases legally and with nothing owed. Employee of the debt collection agency refused to allow me to send a fax or email, stating I could send proof in the mail at cost to myself.
Also agent stated the " final notice '' I received was the second attempt at contact. The first attempt was confirmed verbally by agent as sent back to sender for wrong address.
|
| 05/24/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
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This particular debt was added to my credit report XXXX XXXX . I was unaware of this debt until I started working to rebuild my credit in XXXX when I noticed it for the first time only credit report. I have contacte d National Credit Systems multipl e times to verify this account and have never received a written notice that this debt belongs to me. They have nothing with my signature proving that I went into contract with them, and what they continue to do is remove the account from my credit reports, and then add it back. They continue to open and close this account and place it in various areas of my credit profile. They are harassing me and negatively affecting m y credit score by removing and replacing this same item on my credit profile.
|
| 08/14/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National Credit Systems ; is the collection agency.
Original Creditor =XXXX XXXX XXXX XXXX . Date opened : XX/XX/XXXX. First reported XX/XX/XXXX. Collection account, balance {$5400.00}. The account is scheduled for continuous until XX/XX/XXXX. Investigation outcome reported the information to XXXX was certified and accurate.The item was not changed as a result of the dispute processing my credit score was lowered from XXXX to XXXX.The balance on the account is incorrect, deceptive and falsified. Never informed or contacted about such delinquent account until the appearance on credit report. Sent XXXX all recorded documention of proof for dispute. I give CFPB permission to request proof documents. Sincerely, thank you, for your help and support.
|
| 09/26/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
Hello My names is XXXX XXXX, I moved out of the rented apartment since XX/XX/2023 and paid all my rent on time. But i received a letter in XXXX from XXXX XXXX XXXX that i would have to pay {$760.00} for the repair of the apartment i already moved out of since XX/XX/2023. After dispute with the management on why i must pay {$760.00} for repairs, I paid the amount on XXXX XXXX.
I woke up on XXXX XXXX and i got an alert that there is a collection of {$760.00} from National Credit Systems.
National credit systems never communicated once with me to ask if i paid or disputing or accepting the debt. That's unfair practice and moreover, there is no way i should have a collection on my credit report on the account i paid off.
Please help me.
Thank you
|
| 09/10/2022 |
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
|
|
Web |
|
|
I filed a claim with the cfpb against National Credit Systems , Inc. in 2020, National Credit Systems , Inc is reporting a debt that doens't belong to me and it furnished an address to my credit report that doesn't belong to me. I filed a identity theft report and the information was never blocked from reporting on my credit report, which is a violation. I am requesting that these items be removed from my credit report immediately. attatched is the documentation that should support my claim. I am having difficulty applying for a mortgage because of this fraud account that still reporting on my credit report. XXXX XXXX XXXX has already removed this item from my credit file and I am waiting for XXXX and National Credit Systems , Inc to do the same.
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I WAS A TENANT AT THIS APARTMENT COMPLEX XX/XX/XXXX TO XX/XX/XXXX. I SUBMITTED MY LETTER TO THE APARTMENT MANAGER WHO WAS XXXX AT THAT TIME THAT I WAS MOVING OUT XX/XX/XXXX, SINCE THE SIGNING ON MY HOUSE WAS XX/XX/XXXX. I ASKED WAS THERE A BALANCE ON ANYTHING I OWED AND WAS TOLD NO I DID MY WALK THROUGH WITH THE APARTMENT MANAGER XXXX AND HANDED OVER THE KEYS. FOR A WHOLE YEAR I HEARD NOTHING I HAD GAVE HER MY UPDATED ADDRESS SO MY DEPOSIT COULD BE MAILED OUT. I NEVER RECEIVED ANYTHING IN THE MAIL FROM THE APARTMENT COMPLEX, FROM THE STATE ( COURT ) FOR OWING A BALANCE, HAVING AN EVICTION, NO DAMAGES OR ANYTHING FAST FORWARD TO A YEAR I HAVE A COLLECTION ON MY ACCOUNT AND SPOKE WITH THE APARTMENT COMPLEX AND THEY COULDN'T ADVISE ME NO INFORMATION.
|
| 02/07/2018 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
They do not have a legal contract with me. In the US law encyclopedia, American Jurisprudence, 73 Am Jur 2d. Sections 90-93 ; it says that one can not subrogate onto a contract that they were not originally on, did not have any interest to protect, and then claim successor in rights and interests. Thus, when an original credit sells the debt, they give up their rights to collect on the debt, BUT they do not give those same rights to the collection agency. The collection agency can not act as a substitute for the original creditor. Therefore they keep trying to collect a debt which is not theirs. They have nothing stating that this is there debt. Attempt of validation is not valid. They are not on the orginal contract. I did not receive validation.
|
| 03/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
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The XXXXXXXX XXXX are trying to say I owe them {$430.00} because they lost income because I moved out without proper notice. They sent my debt to National Credit XXXXystems and now my credit score went down. I do not owe them any money. I have signed documents from the apartment manager saying I will move out per my leave. I also got another housing voucher from XXXX XXXX XXXX XXXX because I moved out and couldnt stay month to month.
Attached it my request to move form that was signed my apartment manager saying I moved out XX/XX/2021. Also attached is my payment history where XXXXXXXX XXXX gave me a move out credit. For two months after my lease ended XXXX XXXX tried to collect rent from XXXX but it was reversed because I no longer lived there.
|
| 12/11/2017 |
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
|
|
Web |
|
|
I contacted the company, National Credit Systems, multiple times regarding the two accounts that were placed on my credit report after they sent letters stating that i owed the debt. Two times I sent out validation letters for them to show me that the debt is owed to me and the did not respond either time. These dates were XX/XX/XXXX and XX/XX/XXXX. I also contacted all three credit bureaus on numerous occasions - XXXX, XXXX, and XXXX - and stated that the debt was not mine and that they did not respond to my letters. Each bureau said that the debt was validated through their company but did not provide any information as far as the validation that National Credit Systems provided. This debt is inaccurate and should not be reported on my credit.
|
| 07/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
XXXX of XXXX I was involved in a eviction with my apartment complex due to nonpayment of rent. I was order to pay the apartment complex {$2300.00}. At that time I was under the XXXX XXXX XXXX XXXX for HUD XXXX, and was referred eviction/ rental assistance to pay off amount. The veteran agency issued the apartment complex XXXX XXXX a check on XX/XX/XXXX and the paid/ cleared date of the check was on XX/XX/XXXX in the amount of {$2600.00}.
XXXX apartments sent account to the collection agency National credit System XX/XX/XXXX for the amount of {$2300.00}.
I tried to contact National credit System XX/XX/XXXX and XXXX XXXX in which i sent documentation of proof of payment. and they decline to delete due to paying prior to going into collections.
|
| 10/30/2017 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I received my credit report in XXXX of XXXX and noticed this collection agency called NATLCRSYS were trying to collect a debt from me for an unknown source called XXXX XXXX. I had no knowledge of this account that stated it was a collection of $ 1,000+. I attempted to dispute this debt in form of receiving VERIFICATION from this agency showing my signature on a contract where I agreed to owe this amount at any point in time. They have constantly updated this account on my credit report and closing the dispute without ever sending me verification of this account and the proof of how it is my debt. This has been going on since XXXX of XXXX. I would like to have this account deleted and removed from my account because it is not my debt to collect.
|
| 06/19/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
Spoke with lady at XXXX XXXX she notified me that I moved in in XXXX with the last payment being payed in XXXX from her own words and I only had an 11 month lease I turned my key in to the lady as well with the check out sheet my lease was up. They tried to do the same to my grandfather saying he owed over 2,000 so he went up to XXXX XXXX and they told him that they have had fradulaent activity in house and hired all new employees so they told him they would take care of it but at the end of the day I futilely my obligation and left it in good standing and always payed my bills and never got an eviction letter never got notified of anything being wrong at all so if you could resolve this for me I 'd greatly appreciate it! Thanks again XXXX XXXX
|
| 09/15/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
In the year 2013 my family and I lived in XXXX XXXX Apartments and paid the first month of rent, and the deposit. We always paid the rent for a year since the apartments were under contract. We never missed any payments and the water payment ; we paid it full. I even have proved that we paid it all. I have the confirmation number that we paid it. Recently, I received a letter from the National Credit Systems , Inc regarding the deposit that we did n't pay. The amount is {$690.00}. They have sent me to collection without any warning or any prove that I owe that amount. In the letter it says they have already reported this collection to XXXX national credit bureaus. Please I need your help to clear my credit and erase this debt that I do not owe.
|
| 10/11/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I lived at an apartment complex in XXXX, NC called the XXXX located at XXXX XXXX XXXX XXXX, NC XXXX. I lived there for 2 years, and my official move out day was XX/XX/2020, of this year. On XX/XX/2020, I recieved a letter from National Credit Systems , Inc, in XXXX located at XXXX XXXX XXXX XXXX, GA XXXX saying that my {$81.00} balance has been paid in full. Mind you, XX/XX/XXXX is not even one entire month from the move out day from these apartments. I never received an email or notification that I still had a balance on my account. The creditor reported me, and I paid immediately. It is now XX/XX/2020, and the delinquency is still showing on my credit report. I want to file a dispute with the apartments primarily, and the collections agency.
|
| 07/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Used obscene, profane, or other abusive language
|
|
Web |
Servicemember |
|
I moved out of my condo that was being represented by XXXX XXXX and XXXX. I cleaned every inch of that place and even left keys and submitted receipts for the carpet cleaning but they still charged me for this and several other petty things like light bulbs, air filters, and mini blinds. I told them that they could keep my deposit since it was XXXX dollars even though I knew it wouldn't be more then that but apparently it was more and now a year and a half later, they are charging me for an amount I wasn't aware of and no email, mail, or phone correspondence from XXXX XXXX and XXXX, just a bunch of disrespectful calls, emails now from the XXXX XXXX XXXX. I also don't have access to my old account to prove I paid this because they disabled it.
|
| 09/08/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Once I realized my credit had been compromised I went on a campaign to repair it one of the companies I came up against was National Credit Systems the original complaint came from XXXX XXXX XXXX XXXX to which I never lived at. I have been trying to get them to remove this from my credit report for years. It was actually removed from XXXX and XXXX for some reason it is still on XXXX. I didn't even get the chance to ruin my credit someone else did it for me I am trying to buy a house in the next two years and this is a problem. These people are rude I try to reach out them so that I can get the details of this account and they hang up or don't want to speak to me. I figure this is the best way so that we can take care of this once and for all.
|
| 03/14/2023 |
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
|
|
Web |
|
|
I was being harassed by neighbors at XXXX XXXX in Arizona ; for example, they would XXXX XXXX XXXX on me knowing it triggered serious fear.
I began documenting and reporting the the abuse with photos.
They said the photos violated my rental agreement and proceeded with an eviction.
I was not allow to contest the eviction because I was removed from the courthouse by a XXXX XXXX Sheriffs Deputy.
I was removed from my home and, it would appear, they proceeded to charge me the rent until it was occupied by another tenant.
They are using the credit report system to enforce a breach of contract dispute. They should have filed a lawsuit stating I breached the contract. The eviction ruling is not a ruling on the contract.
Please help me.
|
| 03/06/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
To Whom It May Concern : I have reached out to National Credit Systems several times ( XX/XX/XXXX, XXXX XXXX ) asking them to provide me with details regarding the amount that they claim I owe them. They have never obliged my requests, nor have they provided me with the proper details needed to ensure the debt belongs to me.
At this point, the debt in question has already exceeded the statute of limitations for landlord/tenant agreements for the state of Florida anyway XXXX which is 5 years. According to my credit report, this debt was first reported XX/XX/XXXX, which was 5 years, 9 months ago.
I am asking that this be addressed with National Credit Systems and/or be removed, as it is still being unfairly reported to the credit bureaus.
|
| 06/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
On XX/XX/XXXX " NATIONAL CREDIT SYSTEMS INC '' began to report a {$8500.00} collection account to my credit report. The original account is an apartment complex named " XXXX XXXX ''. I have never lived at this apartment complex and this account is a result of identity theft. I have made a police report with my local police department as well as filled out an FTC Identity theft report and sent it in to " NATIONAL CREDIT SYSTEMS INC '' and they refuse to stop reporting this account to the credit bureaus! This is a violation of the Fair Credit Reporting Act. They should not be reporting this account to the credit bureaus after receiving my police report. I sent the Police Report in XX/XX/XXXX last, but have sent it multiple times in the past.
|
| 03/06/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I contacted National Credit Systems on XX/XX/XXXX offering to settle the account for {$2000.00}. I received a call back from the agent who is in charge of the account ( Mrs XXXX XXXX stating they can not accept that and will send me a verification letter within the 15 days it is now XX/XX/XXXX and they never sent any verification letter. This is part of what my letter stated The letter will be treated as a contract and subject to the laws of my state.
As granted by the Fair Debt Collection Practices Act, I have the right to dispute this alleged debt. If I do not receive your postmarked response within 15 days, I will withdraw the offer and request full verification of this debt.
Please forward your agreement to the address listed above.
|
| 12/14/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Credit inquiries on your report that you don't recognize
|
|
Web |
|
|
Around the time that I turned XXXX XXXX XXXX on XX/XX/2020, my XXXX sibling XXXX XXXX obtained my social security card and was able to rent out three apartments to strangers. I was never aware of the situation until I tried to get my first apartment just to be told that I've had three previous evictions on my credit. if you pay attention to the time frame there's absolutely no way an XXXX woman should be able to afford three aprtment complexes. They've never seen my face nor my legitimate information so I'm confused as to how this went on for so long and they were unaware, or maybe they simply just didn't care. I need this removed from my credit because it has been hindering me from flourishing in my life and I'm now XXXX years of age.
|
| 06/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed this account several times and National Credit Systems continues to report false information to the CRAs. Litigation will be my next step if this account is not removed from the CRAs. I have provided ample proof to this company that this debt is not valid.The only information they have provided is an invoice from the original creditor that states I did not provide 60 day notice to vacate and also several line items of charges that were paid when rent was paid during the months listed. Tenants were not allowed to carry balances month to month so these charges are false as well as the document. I have submitted my signed copy of the notice to vacate form and XXXX has chosen to ignore the proof that this is not a valid debt.
|
| 06/04/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
THIS DEBT IS ILLEGITIMATE. THE DEBT STATES THAT WE ARE BEING CHARGED {$1600.00} FOR NOT GIVING NOTICE. DESPITE THE FACT THAT WE DID GIVE NOTICE TO THE COMPLEX, OUR LEASE WAS A FIXED TERM LEASE. IN MICHIGAN, UNDER LAW 554.134, FIXED TERM LEASES EXPIRE ON THE DATE OF TERMINATION SPECIFIED IN THE LEASE. IF THERE IS NO REQUIREMENT TO SUBMIT NOTICE, THEN THERE'S NO LEGITIMACY TO THE DEBT. NOT ONLY IS IT NOT REQUIRED BY LAW, IT'S NOT REQUIRED IN THE LEASE AGREEMENT, WHICH WAS ATTACHED. THE COMPLEX FALSELY CLAIMED THAT THEY DIDN'T RECEIVED POSSESSION OF OUR UNIT UNTIL XX/XX/21. THIS IS BECAUSE OUR MOVE OUT DATE WAS ON SUNDAY, AND THEIR OFFICE IS CLOSED ON SUNDAYS. I HAVE TRIED TO COMMUNICATE THIS TO THE COLLECTION AGENCY BUT THEY DID NOT REPLY.
|
| 08/06/2021 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
It was communicated to me to reach out to each individual agency to expedite the removal. As of the date of this letter, it has been over sixty days with no compliance to the Fair Credit Reporting Act ( FCRA 15 U.S.C. 1681 ) enacted by the United States Congress. By their findings, it is now my legal right to have these accounts and inquiries ( FCRA 15 U.S.C. 1681n ) removed.
I understand the individual in receipt of this letter is most likely not an attorney. Therefore, I have attached the laws and definitions to educate any person of my legal rights in the United States of America. I appreciate you understanding how this adversely effects me and is in violation of my rights. Thank you for helping me take this federal matter seriously!
|
| 07/31/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from NATIONAL CREDIT SYS. I've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against NATIONAL CREDIT SYS in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 08/15/2020 |
Yes |
- Debt collection
- Medical debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 04/13/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The National Credit System and XXXX XXXX XXXX filed a collection account on my credit profile about a debt that does not belong to me. I am currently under a lease contract in NJ and the companies failed to follow my identify fraud alert on my credit file to contact me at my number before moving forward with any credit application. Phone number and bank account used does not belong to me and this company is preventing me from seeking credit and falsely claiming that this file belongs to me NATIONAL CREDIT SYSTEM XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$350.00} 0 % paid off Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/2019 Account type Collection Account Balance Loan Amount {$350.00}
|
| 04/11/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit Systems Inc is reporting inaccurate information my XXXX & XXXX credit report after several attempts to address the inaccuracy.
I asked the National Credit Systems if they reviewed the documents that were sent to me about the debt and they said they understood the discrepancy but they are not required to verify information, they just send the information to the Credit Bureaus to satisfy the request.
National Credit Systems told me to contact initial creditor for inaccuracies, the original creditor sent my requests back to collection agency.
XXXX representative refused to enforce my legal rights of reporting incorrect information to my credit profile and agreed with the illegal practices of National Credit Systems.
|
| 09/02/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
This is insane!
We sued XXXX XXXX XXXX owned by XXXX XXXX XXXX XXXX XXXX by XXXX XXXX ) for dozens of incidents of harassment and habitability issues.
As part of the settlement, they waived ALL BACK RENT, but we are now being illegally charged, in violation of the settlement terms!
I am attaching the settlement paperwork, as well as communication between our attorney and opposing counsel.
We do not owe this rent and this legal settlement absolutely proves it!
Also feel free to contact my attorney, contact information below, because this is about to turn into a whole new lawsuit : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX Phone : ( XXXX ) XXXX XXXX : ( XXXX ) XXXX XXXX XXXXXXXX XXXX
|
| 05/12/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received an alert from XXXX XXXX concerning a collections in the amount of {$4200.00} from NATLCRSYXXXX XXXX XXXX XXXX XXXX ( original creditor ). I do not know where this place is. I am born and have been raised in the State of MS almost my entire life. I have lived in XXXX, WI from the period of XXXX to XXXX until I return home to MS and have been living here ever since. Also in XXXX, I have discovered that someone tried to open up a credit on me at XXXX XXXX XXXX in the State of Texas and I put a freeze on my credit, but apparently this person was able to get an apartment in my name ( now how that possible I don't understand ). I have report this as an identity theft and would like this resolve as soon as possible.
|
| 09/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not have a contract with NATIONAL CREDIT SYSTEMS INC. I am not liable for collection. I am not liable for collection from the original debtor XXXX XXXX XXXX XXXX XXXX. I was a co-signer for a debt that is already paid. This debtor is no longer established. I contacted the new management company who is now XXXX XXXX XXXX- XXXX XXXX. They stated that they have no contract with my son XXXX XXXX ( signer ) nor myself XXXX XXXX. ( Co-signer ). I also attempted to contact XXXX XXXX who is the debtor. I was intercepted by a voicemail with no return call to request a contract signed to verify the two different amounts that they claim we owe. I have enclosed the info for all 3 parties. MY DESIRED RESOLUTION : DELETE FROM CREDIT REPORT.
|
| 08/13/2021 |
Yes |
- Debt collection
- I do not know
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
|
|
Web |
|
|
I reached out to National Credit Systems on XX/XX/2021, and requested that they remove the account on my consumer report because they are violating a United States Code. Upon speaking to multiple representatives, I was told that they are unable to remove this account. The reasons I was given is their need to contact the " original creditor '' in order to validate the inquiry. I informed the last representative that NCS was in violation of a United States Code and was told that I needed to contact the original creditor to request removal.
NCS is in violation of the following United States Codes ( as well as others ) : Title 15 USC 1681b - Permissible purpose of consumer reports Title 15 USC 1692b Acquisition of Location Information
|
| 07/31/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
Opening this complaint in response to National Credit Systems not doing anything with previous complaint XXXX. NCS response to previous complaint is that it thinks it is correct to list the date of 1st delinquency as the date a tenant presumably moved out of an apartment. This is grossly incorrect. The date of 1st delinquency should be the date the tenant was delinquent with the client NCS is collecting for. Clearly XXXX XXXX XXXX filed an Eviction in 2017 and received a Writ Of Resitution in 2017 ( XX/XX/2017 ). National Credit Systems can contact the XXXX County Courthouse and pull registry of action # XXXX to verify this information or contact XXXX XXXX XXXX. Listing an incorrect date of 1st delinquency is a clear FCRA violation.
|
| 03/21/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
|
|
I 've sent multiple letters to this agency about this not being my account. After being advised by XXXX I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking.
I am a victim of identity theft and noticed a collection from National Credit Systems Inc. I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against National credit systems in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you
|
| 06/28/2022 |
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
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the XXXX XXXX and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
|
| 07/01/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
After receiving a copy of my credit report, I noticed a debt in the amount of {$800.00} for a former residence of mine. I reached out to the collection agency for validation and received an invoice from the apartment complex. In XX/XX/2018 I took the apartment complex to court for the debt and through Mediation, the amount owed was invalidated. The final agreement signed by all parties shows the complex owed me {$300.00} and I owed them the same amount. This means the amount is negated. National Credit Systems continued to report the balance as {$800.00}. I disputed it with the credit bureaus and National Credit Systems updated the balance to reflect {$300.00}. As recently as 23 days ago they continue to falsely report this acount.
|
| 07/26/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Older American |
|
My husband and I lease a XXXX bedroom XXXX bath apartment XX/XX/2005 for 3 months with The XXXX XXXX in XXXX XXXX, Texas. We chose that particular apartment complex because they did short term leases of 3, 6 or 9 months. We stayed there until XX/XX/2005 as our contract said and paid for deposit and 3 months of rent. We found a home to buy XX/XX/XXXX so we were out of the apartment around XX/XX/XXXX when we took possession of our new home. All we got was a call from The XXXX XXXX asking for our 4th months rent which we did not pay because we had met out lease agreement and owed them nothing! Now I find out that they sent this to a collection agency who has never contacted me or my husband. Plus we never received back our deposit!!!!
|
| 01/17/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
National Credit System, phone number ( XXXX ) is the creditor for XXXX XXXXXXXX XXXX.
Address : XXXX XXXX XXXX XXXX XXXXXXXX, GA XXXX -- This is reported on my credit report as negative in XXXX of 2020. This is fraud. I have never been to Georgia and therefore never stayed at some apartments. I have tried disputing this multiple times. My purse was stolen along with all my information 3 plus years ago and this is obviously a result. I have had to pay for XXXX ( credit monitoring ) to try and keep my credit info blocked which has helped but sometimes on my reports their will be people in XXXX TX as well that are using my SSN number at their apartments. I just want to get this off my credit report because it is not ME. It is fraud.
|
| 04/22/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX ... NATLCRSYS ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 05/21/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I am getting collection efforts from a company named National Credit Systems , Inc . I do not have any business contracts with this company. They are trying to collect on behalf of a different which I do have business with. However National Credit Systems has been incapable of validating the debt. They can not produce written agreement by me allowing them to report any accounts on my credit reports on behalf of this company. They have failed to produce verification that they can collect on behalf of XXXX. They have failed to produce proof that they are licensed to collect in the state of Georgia. Again, I have never signed any agreement with this company regarding XXXX, nor given them authorization to report anything on my credit.
|
| 07/05/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was living at XXXX XXXX XXXX in XXXX, PA back in XXXX. I decided to move to a different apartment complex XXXX XXXX in XXXX XXXX in the late spring of XXXX. I never signed a new lease at XXXX XXXX XXXX yet they decided to put {$17000.00} on my credit report. They even rented the apartment right after I left and I still got charged. At the time I was living with an ex-girl friend and she also moved out of the unit but stayed in the same complex.
I have been fighting this debt for years now and it has affected my ability to gain better credit scores and move forward in life.
Creditor information Original Creditor : XXXX XXXX XXXX XXXX Current Creditor : National Credit Systems collections date : XX/XX/2020 amount {$17000.00}
|
| 05/29/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX managers did not properly file the termination or non-renewal of lease termination notice into their system.
The notice was given by one of the tenants on XX/XX/XXXX in the main office, more than 60 days of notice that was required by the lease. The given notice was received by a manager who no longer works at cXXXX XXXX XXXX.
The collection is illegitimate because XXXX XXXX XXXX did not properly manage our notification of termination & non-renewal of lease.
http : //www.consumer.ga.gov/uploads/pdf/GA_Landlord_Tenant_Handbook_2017.pdf The managers did not admit fault or take responsibility for improper management & is trying to collect a unfair debt against the tenants in the amount of {$2300.00} for 49 days.
|
| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I am being denied the right to rent an apartment due to a unverified debt from an apartment complex I lived in by the name of XXXX XXXX almost 6 years ago. When I moved out at the time there was no apparent debt, then when I tried to move I was denied because they are on my credit report. I tried to call XXXX XXXXXXXX to find out what I actually owed the money for, and was told that the property was sold to another owner, and they had no record of the debt. I called National Credit who now owns the debt and they couldn't verify why I owed them {$430.00}. I have not agreed to this debt as of yet because no one knows why I owe this money. I never received any letter from the apartment stating I owed them prior to them selling it.
|
| 09/18/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have never received any notice from National Credit Systems regarding this debt. On XX/XX/2020 I sent them a request for a " VALIDATION OF DEBT '' letter ( copies attached ) and they received the item on XX/XX/2020. ( tracking info attached ) and to date have received nothing from this company. They continue to report this item on all 3 of my credit reports. Under the FDCRA while this item is being disputed it either needs to be removed or marked in Dispute.
This business currently has nearly 2627 complaints and going up, filed with the Consumer Financial Protection Bureau ( or CFPB ) and roughly 415 with the XXXX XXXX XXXX. Many complaints are about inaccurate reporting and/or lack of response to debt verification requests.
|
| 01/04/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I received a letter from National Credit Systems Inc stating that I owe {$2200.00} as un paid balance from XXXX XXXX XXXX. The letter states that since I have failed to make suitable payment arrangements that they are going to be filing the debt with all 3 credit agencies. I was never given my chance to dispute the validity of the debt. Which I firmly dispute.
XXXX XXXX is currently in possession of 2 months rent in check form that was given to them prior to my eviction. They evicted me because they state the are unable to accept checks. These checks have never been returned to me and are still out standing.
I dispute the amount, the times, that fact that I was not given a chance to respond and that this debt is reportable.
|
| 07/21/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit Systems is reporting a debt on XXXX only. I have called to verify this debt and they can not find any account assigned to me when I provide my personal information including my social security number. I disputed the collection with XXXX and it came back only to update the amount owed by {$1.00} I spoke with an agent at said credit bureau who confirmed the collection agency contact information.
Again, I called the collection agency, who still denies having any information about me or an account. I have never received a written notification about this. XXXX says they cant remove it and National Credit Systems says the same due to no record existing.
This must be removed from my XXXX credit report by SOMEONE!
|
| 02/11/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX on XXXX XXXX XXXX, which was operated by the company XXXX XXXX at the time have wrongfully claimed I owe them money in the amount of {$2200.00} and sent a false debt to collections. This was placed for collections with NATIONAL CREDIT SYSTEMS on XX/XX/2018. I previously lived at this apartment complex and moved out after harassment by management and enduring filthy living conditions ( roaches, bats, etc. ). My balance was paid and proper notice was given before moving out. The complex claims I did not pay them rent and is attempting to charge me for carpet installation. These attempts of extortion are an act of retaliation after I left negative reviews about the apartment complex and its management in online forums.
|
| 04/04/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I would like to file a compliant against XXXX XXXX ( XXXX XXXX XXXX ). I am currently being charged {$2400.00} for fees that I have no idea where they come from. I was only told that I would be charged for keys ( that I returned on my move out date ) but according to the assistant manager were never returned. I worked as an XXXX for this company from XX/XX/2016 up until XX/XX/2016 and lived onsite. At the time of moving in I never signed a lease because I was a XXXX XXXX for the company. I have not received any information in the mail in regards to the balance owed and feel like this was handled unprofessionally. I am not trying to purchase a home but the process is being held up because its affecting negatively on my credit.
|
| 06/06/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
On XX/XX/XXXX, I checked my Credit Bureau Scores and discovered that an alleged debt was " Parked '' on my credit reports without any notification beforehand. I do not recognize this debt or debtor. I have contacted XXXX and will be contacting the other credit reporting agencies to asked them to remove this from my consumer account as it has damaged me already by lowering my credit score XXXX points across all three reporting agencies.
I have sent certified mail demanding verification of this debt as I am exercising my rights as a consumer to have a 100 % accurate credit report. 15 U.S.C 1692 ( g ) prohibits parking debt on my consumer report without first providing validation and/or verification of this alleged debt owed.
|
| 01/17/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
A few weeks ago I had an Alert on my credit report saying that I had XXXX new collection accounts from National Credit Systems. After reaching out to the company they informed me that they mailed a letter 5 times to a known bad address. When asking them why I was not alerted they said they tried but they had XXXX pieces of returned mail. So, with further concern I hired a private investigator XXXX XXXX XXXX XXXX to find out that they were advised to send it to the office of XXXX XXXX XXXX. XXXX XXXX XXXX had the proper address to forward any and all correspondences. I have emails to substantiate this claim. I also have proof that I was sued and paid the bill in full! They are trying to collect a debt that is no longer valid.
|
| 11/17/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
This company reported a collection on my credit report without any prior communication to me. I have never received any validation letters from this company. The alleged debt is XXXX from XXXX XXXXXXXX XXXX I moved out of this complex XX/XX/2021. I was allowed to leave the apartment before my lease was up due to XXXX and XXXX issues. I left my forwarding address with the complex and I also did a XXXX change of address on XX/XX/2021 so there is no reason why I should not have received any communication about this alleged debt. I would like to receive copies of the debt validation letters sent to me before this debt was added to my credit report. I have attached copies of email communication between from XXXX XXXXXXXX XXXX.
|
| 11/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
I do not owe this debt. I applied to rent from the original company but NEVER met the qualifications. I did not have a co-signer, did not have enough in saving, had no rental history. I never was given nor signed a lease because I couldnt get past the application for approval because I didnt meet requirements. Months later this was placed on my credit report and I have been fighting it since 2018. I have had ZERO communication from National Credit Systems. I have sent countless emails and mailed them a Debt Validation Letter- I have received NO reply! I am now trying to purchase a home and this-the one and only blemish on my credit report, is hindering the financing approval. I am hoping the CFPB can help get this resolved
|
| 05/24/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.
|
| 12/09/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2021, I called to dispute a debt from my old landlord asking for money to pay for move out fees. I disputed this debt with National Credit Systems Inc, and awaited a reply from them on it. I never received a reply. On XX/XX/2021, I called them to see what was going on and they said my old landlord responded on XX/XX/2021, that I owed 100 % of the debt in question. To my understanding, this is days past the 30 day deadline the company has to investigate a debt and report the findings to me. I believe my rights have been violated through a lack of communication about this debt and the investigative process, as I both never received a notice that the investigation was complete and it was completed past the deadline.
|
| 04/04/2018 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
I have tried to dispute this unverified account with National Credit Systems. It has been 30 days since Ive sent a debt validation to this company with no response. I am led to believe that this company is reporting under two different addresses ( as shown in the attached pictures of my credit reports ) to defer the validation process. This is an unethical tactic. A consumer should be supplied with accurate and concise information to validate. I, as a consumer should not have to ASSUME which address is correct. Reporting should be accurate across each three bureaus. They are not in compliance of accurate reporting or allowing consumers to successfully validate debt. Under the FCRA laws this company has to remove the debt.
|
| 09/22/2023 |
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
|
|
Web |
|
|
I lived in XXXX XXXX XXXX for several years, untiXXXX XXXX ( I think ). XXXX they did my walk through after I moved out, I was signing papers for my house at the same time so I couldnt attend. I received a call saying that everything went fine and I should receive back some of my deposit but I would have to pay for a door. A month later, I got a XXXX bill bc they stated they had to replace my entire carpet. I immediately tried calling telling them that I was told by the lady who showed me the apt that they change the carpet bt each owner and she said they didnt do that anymore and I had to pay. I believe bc I was told something different I shouldnt have to pay. Its not my fault that the new company does things different.
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I obtained my credit report on XX/XX/2022, I notified inaccuracies on my report from the company National Credit Systems, I disputed the account and saw that this was a collection agency that purchased an incorrect debt. I reached out to the original party of whom this debt was sold to. I had to dispute the claims with the local court system constable, it was discovered that me nor the co applicant XXXX XXXX did not owe this debt and that it would be removed. This company has harassed XXXX XXXX with threatening phone calls and by falsely reporting information which has some significant damage. I have communicated with this company and have not receive any validation of debt, this has now been 3 months since the dispute.
|
| 12/08/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I do not owe nor do I have a contract with this agency. The original creditor was paid in full. When the collection agency National Credit System at XXXXXX/XX/XXXX XXXX, GA XXXX ( XXXX ) XXXX was asked to provide a contract for this debt they failed to provide the information needed for there claim that I owe a debt. I tried to contact the original creditor but they are no longer the managment of this property. I called the XXXX XXXX XX/XX/XXXX- XX/XX/XXXXwhich is the new property management company and they stated that they do not have a contract with me. National Credit System is attempting to collect a inaccurate fraudulent debt. This is against the law. They can not provide the documentation that validate this debt!
|
| 06/02/2020 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I was working in XXXX while my resident in XXXX XXXX FL, when the virus outbreak started I had to break my lease and move back home, the apartment owner didn't care about the virus and ask for {$3400.00} for breaking the lease, I couldn't afford that since I'm still out work, didn't get any government help and don't know when i can get back to work. the debt make it's way to National Credit system , INC, they start immediately calling sending letter treating me, my first action was to send a register mail asking for ACCOUNT VALIDATION REQUEST, they ignored that and keep sending mail and calling, I'm not sure what is my right at this point and how to move forward, I apricate same help and direction on this matter.
XXXX
|
| 10/17/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
My home was broken into and the personal information of myself and my spouse was stolen. After we reported the incident, a few months later we receive a collection letter in the mail for an amount of XXXX. We went to the originating company and advised them that it was fraud and they were not willing to help us and stated that they already sent the file to the credit collection company and we would have to deal with them. We have reached out to the credit agencies and provided police reports showing that it is fraud and they are un willing to help, even when the first thing their recording says when you call to speak to them, " We are only collecting a debt that you owe '' and I do not owe the debt because it is fraud.
|
| 06/19/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This company is attempting to collect a debt that was subject to relief due to COVID protections from the city of XXXX. This out of state agency is unaware of the local laws that lead to the release from the lease here. The original creditor sold their business to another firm which then placed my account in collections, the collections agency will not provide their contact information and has not furnished the original creditors legal contact. I am prepared to take legal action because this has endangered personal financial transactions. For context the original creditors information I have, but the new owner of the leasing company I do not have, and I suspect an email from my attorney would resolve this in minutes.
|
| 01/04/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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So I pulled my credit report around XXXX XXXX 2019 and i found items on my report that was inaccurate and some collections on my account that was unknown. so i sent out a letter XXXX XXXX 2019 saying that the items was not mine and i asked them to verify all of the information but i never got anything but them sending me the items were verified every month and this has been going on for 5 months i sends omething every month. i have reached out to creditors to get them to validate my accounts and debt and showing that i signed something with them but i have had no answer from them. i have asked credit bureaus to investigate my account and send me the signed docs. but i can not get to them so at this point i need help.
|
| 10/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
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NATIONAL CREDIT SYSTEMS clearly did not validate this debt because they referred to me as XXXX XXXXXXXX in their response to my most recent communication. This proves they did not Re investigate this account in order to validate this debt. NATIONAL CREDIT SYSTEMS needs to provide proof that I am a XXXX or delete this account from my consumer report immediately. I have proof in the attached screen shot that they have been reporting the debt of a XXXX which is inaccurate reporting after they claimed this debt had been verified by the original creditor. This was a blatant XXXX and I will be seeking damages as permitted by the FCRA for the willful non compliance reporting that has caused me financial and physical harm.
|
| 11/09/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I received a bill statement in the amount of {$610.00} that is not my debt. I do not owe any money and have never heard of your company. I take my credit serious and do not appreciate your company placing inaccurate information on my report. A bill statement is not validation and the signature is not my signature. Unless you can provide me a legal document with my signature stating I agreed to this debt I demand you remove this information from my credit report immediately. If I do not receive a letter from your company within 15 days confirming this has been closed in your office and you notified the credit bureau 's to delete this information I will file a complaint with XXXX and all needed to resolve this matter.
|
| 09/25/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
The debt ended up on my report so I called the company. They said that it was removed by the original creditor ( XXXX XXXX XXXX XXXX in XXXX XXXX, TX ). It shows paid on report but it should have never been there in the first place. I'm current and never even been late. I don't owe anything to the apartment or the collection company. I asked them to remove and give me written proof but they would not comply. I called the original creditor and they said they told the collection company to remove it and that's all they can do.
National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX Toll free : XXXX Account # XXXX Balance : {$150.00} Creditor : XXXX XXXX XXXX XXXX - XXXX Office XXXX XXXX XXXX. XXXX XXXX, TX XXXX
|
| 09/18/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have sent an affidavit to the company National Credit System and have yet to hear back from this company. I have filed several disputes with XXXX and have not received why this is still on my credit report. This is a fraudulent account and does not belong to me. As I have explained several times my wallet was lost with my ID and my social security card inside. I have been trying for months to clear up the damage that this mishap has caused. XXXX /national credit system continue to not correct and removed this item from my report. I have done all that was asked of me from National Credit and they have not even responded back to me. XXXX continues to not remove or even explain why this is still on my credit report.
|
| 12/11/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
The company has a " copy '' not the original lease documents. The lease does not show my signature on there and no evidence of an drivers licenses this is surely hearsay and is inaccurate. I never lived at this place and I was a victim of identity theft. This needs to be removed off my credit immediately. This is against the law. This is not the original lease nor does it prove anything. My social was not only compromised but it is not even shown on the lease. If this is not taken care of this will go into litigation. Have not supplied proof under the doctrine of estoppel by silence Engelhardt v. Gravens ( Mo ) 281 SW 715 7191 may presume that no proof of the alleged debt nor therefore any such debt in fact exists.
|
| 08/13/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX moved out early and was charged {$5900.00}. After 5 years of trying to negotiate XXXX ultimately had no choice but to change the amount according to the last statement balance of {$1900.00}.
I have been denied, charged XXXX times the deposit on various occasions.
I asked in XXXX and XXXX to settle for $ XXXX which was denied. I had been put on hold for an hour and talked down by the receptionists.
This was very unfair treatment. Perhaps it had to do with me being a female because a guy friend called and XXXX was willing to make a deal for $ XXXX. I declined. I am so upset at the entire situation. I had little to no choice for a good standard of living with XXXX children. Its devastating. It truly is.
|
| 12/12/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
NATIONAL CREDIT SYSTEM CONTINUOUSLY REPORT A DEBT COLLECTION OF {$2700.00} I HAVE BEEN TOLD SEVERAL TIMES BY EACH CREDIT AGENCY THAT ITS NOT ON MY CREDIT THEN WHEN I APPLY FOR LEASING IM BEING BECAUSE OF A DEBT I HAVE NO VALIDATION OF!!! WHEN I CONTACT THE NATIONAL CREDIT SYSTEM THE REP XXXX WAS VERY NASTY AND UNPROFESSIONAL & CLAIM SHE WAS GOING TO EMAIL ME THE DEBT!!! THIS IS EFFECTING MY LIVELIHOOD & HARM TO MY CREDIT PROFILE!!! ASKED IF THERE WAS A SETTLEMENT OFFER DUE TO PANDEMIC & WAS TOLD BECAUSE OF ORIGINAL DEBTOR ISNT OFFERED BUT AGAIN THERE IS NO PROOF THIS IS MY DEBT!! THIS CREDIT AGENCY REPORT INACCURATE INFORMATION ALL THE TIME AND SEVERAL INVESTIGATIONS AND FINDINGS FOR INACCURATE INFO BEING REPORTED
|
| 07/24/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened to arrest you or take you to jail if you do not pay
|
|
Web |
|
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On XX/XX/2020 I mailed a debt verification letter to national credit systems in regards to a debt in my name. I sent it certified mail and it shows they received it XX/XX/XXXX. I called a few weeks after for an update. I was told that since I wanted this information the police would be sent to my house and a police report would be made out for fraud. I only asked for information on XX/XX/XXXX they sent a bill but no verification to the debt which is required by law to answer in 30 days. So theyre trying to say they sent something but they didnt just a bill and no verification and a threat to call the police for fraud since I was fighting the claim. By law its a requirement to answer if not then to remove the debt.
|
| 03/30/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
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There is a collection account on my credit report with National Credit Systems in the amount of {$4600.00} for XXXX. This account does not belong to me at all. This was for my sister, XXXX and not for me. This was for her dorm room in XXXX. I live in XXXX so how is this debt possible. My sister said she is willing to pay this debt off so please contact her and remove it from my credit report. Also, I contacted and FDCPA attorney to see if there were any violations on the letter that was sent to me on XX/XX/2016. He told me to file a complaint with XXXX or XXXX because the violation was they are supposed to put the name of person on the letter in which I can contact with any questions. He said they did n't do that.
|
| 09/11/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
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I paid {$1900.00} on XX/XX/2021 to XXXX XXXX XXXX XXXX XXXX XXXX, XXXX to move out of my rental early, the buy out lease agreement said I can leave anytime on or Before the new date of XX/XX/2021 I moved XX/XX/XXXX, I also have public housing and the apartments were still paid XXXX and XXXX rent. The apartment complex reported to National Credit System a improper move out fee of {$1700.00} which is now on my credit. The total on my credit is {$1900.00} which {$160.00} I do agree I owe for carpet cleaning but not until that faulty charge is off my credit {$1900.00} to move out early on top of they still collected rent for XXXX rent from housing they are trying to con me for more money thinking I wont dispute this
|
| 09/16/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
I leased an apartment for my father. - My father completed the lease and went on a month to month lease. While staying in the apartment my father had several issues, such as a dead mouse in the Air Conditioner and the last item that caused him to leave was a full flood of the apartment due to a maintenance issue. My father alerted the apartment complex in verbal and written communication, that due to the flood he would be leaving the apartment since it was not livable. It wasn't until we were contact by an attorneys office did we have any information that they had sent me to a collections company for not giving 30 days notice. I have tried to dispute this with the attorney and the apartment complex several times.
|
| 04/04/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I contacted XXXX XXXX and XXXX and also the debt collector, National Credit Systems to communicate to them that what they have reported on my credit report is incorrect. I have also shared receipts and email communication between me and the original account holder to prove that this was incorrect and that they had not updated my account. I am under the impression now that XXXX XXXX nor XXXX are even reading the documents to support my case. I have also shared these documents with National Credit Systems. I am at a loss on what my next steps should be. I understand that I have a right to report inaccurate data on my credit report and National Credit Systems has the responsibility of updating this data.
Thank you
|
| 11/16/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a collection showing on my credit file for an apartment complex that I never lived at, Infact I have NEVER even set foot on the property, never even seen the property. I was coerced into beginning a EDoc and did not even complete the application/lease agreement because I had told them I did not agree nor did i sign and SUBMIT this E-document entirely because i said i wanted to meet to further discuss. When I went back to delete my lease because It did not seem right to me due to the fact that I didnt even see or view the apt complex at all. It stated I was evicted which requires me to be living in the place. I reached out and said I did not agree with their terms and they said it had already been done.
|
| 08/19/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft also i was a victim of the XX/XX/2017 XXXX data breach several accounts on my credit report are not mine listed : Account Name NATIONAL CREDIT SYSTEMS Account Number XXXX Account Name NATIONAL CREDIT SYSTEMS Account Number XXXX Under the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. ( FCRA ), furnishers must investigate disputes received from Credit Reporting Agencies ( CRAs ) and correct inaccurate information. See 15 U.S.C. 1681s-2 ( b ). 605B.Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ]
|
| 11/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
THEY USED THE POLICE TO EVICT US DURING XXXX. THEN TOLD THE COURTS THAT WE WILLINGLY MOVED OUT AND BROKE THE LEASE. WE HAD 6 MONTHS LEFT AND THEY ARE CHARGING US THE TERMINATION FEE. THEN SENT IT TO COLLECTIONS AND THEY ARE HARRSSING US AND DAMAGING MY REPORTS.
SUMMARY OF MOVE OUT CHARGES Residents : XXXX XXXX Property : XXXX XXXX XXXX XXXX XXXX : XXXX XXXX XXXX # XXXX, XXXX, KY XXXX Move-Out Date : XX/XX/2020 STATEMENT ( ACCOUNT # XXXX ) Charge Amount Move In Fee {$150.00} Rent {$3800.00} Resident Utility Charge {$310.00} Point of Lease Renters Insurance {$43.00} Valet Trash Service {$100.00} Late Fee {$340.00} Legal Fee Income {$190.00} Damage {$270.00} Termination Fee {$4200.00} CHARGE TOTAL : {$9500.00}
|
| 09/06/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
This is my second time disputing and requesting information from the credit agencies and the company involved. I attempted to dispute this with XXXX and XXXX, but neither credit reporting agency is providing any information that I've requested other than to verify my name. ( XXXX confirmation # XXXX, have not heard back from XXXX ) I have asked for a bill/invoice with a breakdown of all charges, as I have not done business with the company ( NCS ), and am not about to pay them {$2600.00} simply because they have my name. National Credit System continually updates my credit report as 'dispute resolved ' without providing what I've asked for. Simply verifying my name is not a bill or a breakdown of charges owed.
|
| 04/01/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This is the 2nd time I'm submitting this claim because after I submitted it before under complaint # XXXX. The feedback was to follow up directly with the company. Not only did I reach out the company yet again with a letter, along with an affidavit, but I still have yet to get a response of a deletion from the credit reporting agencies. This company is reporting a negative account on my credit report as a result of identity theft. We don't have any contractual relationship that make this company entitled to enforce inaccurate credit information on my credit profile. I tried resolving it through the credit bureaus on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and directly with the company on XX/XX/XXXX & XX/XX/XXXX.
|
| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XX/XX/2021 a letter was sent to XXXX asking them to verify the account National Credit systems XXXX XXXX XXXX. On the same date I also requested for the investigation done to determine the account is mines be sent to me as well in which the Creditor has not done so still to this day. XXXX is the only credit reporting agency who continues to report this creditor although they have violated my rights covered under FCRA laws. With each dispute I have sent they keep changing information that theyre reporting. XXXX has a copy of my Identity theft report, my police report for identity theft, and my complaint with the office of the Attorney General as well, yet they are still reporting inaccurate information.
|
| 10/04/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
Apartment complex. Active duty military lost pay XXXX. My wife and I had to find a home for our family that best fit our financial needs. We were, and still in a financial hardship. We gave them a thirty day notice, with completing paperwork they requested. We advised to them the situation with other issues with the complex, that were not being addressed. When we left the property we returned the keys. We had been given an estimate of what we would have to pay back because we were terminating our lease. It was n't even close to the amount of what is on me and my wife 's credit report. We were blind sided and never contacted except from a credit bureau with an amount not explained, just a number that we owed.
|
| 07/12/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Ive been contacting National Credit Systems about them saying that I owe money for a place that I do not live at. Ive asked them for a copy of the lease, and information about what I owe. They just say I have to pay the debt. They will not give me any information about what is going on with the debt. Ive been asking for proof, copy of lease, copy of utilities something saying that I supposed lived there. Ive been trying to find answers from them n keep getting the run around. I had to call them to even find out what was going on with this debt. They are rude n hang up on people too. Say I owe {$470.00} XXXX apartments at XXXX.
I contacted them. They never contacted me about this.
2019 I need proof. Thanks
|
| 02/07/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Greetings, National Credit Systems is holding a collection account in my name without any supporting documentation even after XXXX disputes, through XXXX. I have requested any and all supporting documents from XXXX and they have been unable to provide any supporting documents even after XXXX disputes and several hours of phone calls. I have found XXXX representatives to lie directly to me and block my requests for information. This collection account is causing me great harm as it is a housing/leasing creditor class and is preventing me from obtaining housing with my XXXX XXXX. The collection dispute Confirmation number is XXXX. Please help me correct this collection that was placed in my name incorrectly
|
| 06/30/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX and contacted the police department and obtained a police report # XXXXwhich both are attached. Please block and remove all information from my credit report, and send me an updated copy of my credit report. The following items do not belong to me and is a result of fraud that I did not authorize : {$4300.00} Open balance XXXX XXXX XXXX XXXX Original creditor XXXX Opened XX/XX/2015 ( 4 yrs, 7 mos ) Account status Open Type -- Responsibility Joint Remarks Dispute resolved ; customer disagrees Original creditor name XXXX XXXX XXXX XXXX
|
| 08/17/2023 |
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
|
|
Web |
|
|
I informed XXXX, XXXX, XXXX as well as debt collection agencies XXXX XXXX XXXX, National Credit Systems, 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 , and XXXX XXXX that Pursuant to 18 USC 8 I owe no debt. These companies are violating my consumer rights to privacy pursuant to 15 USC 1618 b 2. The company has no permission to report anything using my info pursuant to 15 USC 1681 4. XXXX deleted those inaccuracies from my credit report but XXXX have illegally verified debts that does not belong to me. XXXX hasnt deleted those collections either. My rights are being violated and I dont have access to my right to credit.
|
| 02/16/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
National Credit Systems is the collection agency that is reporting inaccurate information to my credit report. I have disputed with them and through all 3 bureaus multiple times and they keep reporting that the information is accurate but refuse to provide documentation from the original creditor whom is the XXXX XXXX XXXX XXXX XXXX.I originally tried to reach out to the apartment complex myself but this complex was sold to another company and they have no record of anything. I disputed the balance they say I owe which is {$5300.00}. I've asked they send me proof of this balance and they keep sending me the last account ledger ( which is inaccurate ) from the Apartment complex prior to them being sold.
|
| 12/31/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I XXXX, have lived in the apartment at XXXX XXXX XXXX, XXXX XXXX XXXX, SC for 6 years, with the same carpet flooring and same painted walls without an upgrade to the apartment which should have been done every XXXX years. Your letter is claiming I created this debit for upgrade to the apartment after I have moved out and not in a court of law but through the credit reporting process.
However the documentation they sent fails to show in detail what was my responsibility verses the everyday wear and tear for the 6 year time frame I occupied the apartment. and the responsibility of the XXXX XXXX to maintain adequate carpeting and painting of an apartment you rent from the after you move out of the apartment
|
| 10/13/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is in fact wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused to the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 08/22/2023 |
Yes |
- Debt collection
- I do not know
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
After being evicted in XX/XX/2023 for not being able to pay rent I relocated and tried reaching out to my landlord before being evicted and he spoken to a judge further about a resolution but never received a response and was ignored until later, my grandpa receiving my mail to his address in a different state. To which it was a letter from the national credit systems , inc XXXX XXXX XXXX XXXX, ga XXXX stating they are trying to collect a debt owed to XXXX XXXX XXXX totaling, XXXX Stating to call them by XX/XX/XXXX of 2023 to dispute this matter when I hadnt heard anything about owing anyone since being evicted XXXX. Stating they will provide other agencies my information and to have my credit impacted.
|
| 10/26/2019 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to zero or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
|
| 12/29/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
National Credit Systems is attempting to collect an illegitimate debt on behalf of XXXX XXXX XXXX, specifically their property in XXXX, FL for which I was notified by the leasing office that I never signed the final and complete copy of the lease for on XXXX XXXX, XXXX. I never moved into or received keys to this property and National Credit Systems is attempting to collect the amount owed for an entire lease term, despite the fact that the proper paperwork was, according to the property, never completed and turned in. Going off of what was sent to me in the voicemail on XXXX/XXXX/XXXX, ( which I have proof of ), I assumed that no action needed to be taken. I am not responsible for this debt in any way.
|
| 05/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
This is an erroneous collection by XXXX XXXX XXXX. This account was before the XXXX XXXX XXXX XXXX XXXX XXXX district that was placed by XXXX XXXX XXXX filed in XX/XX/XXXX.
On XX/XX/XXXX, XXXX XXXX XXXX transferred it to National Credit Systems XXXX the account number.
The XXXX Judicial Court, in XXXX XXXX, MO, was not finished with the case when XXXX XXXX XXXX transferred my account to a collection agency.
The case was dismissed by the court on XX/XX/XXXX, by the court XXXX.
All this time up until now, I have been denied to rent an apartment.
So I reached out to the courts this month XX/XX/XXXX to let them know what was going on. The court reissued an order of dismissal again on XX/XX/XXXX.
|
| 09/30/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I made many attempts to ask for proof of debt and verification of identity used.
Proof of Debt : Copy of original contract or Contract I have with debt collector Proof of Indentation : Copy of my ID and/or SSN card I want to verify where and how this was able to furnish to my credit report without my involvement or consent. And what makes me liable to pay this debt for whatever reason and if I maybe a victim of ID theft! Company just claims its verified without proof of debt or transaction I have or not have with them.
Company has be contacted by Customers reporting agencies, XXXX and directly. And has not provided proper documentation to resolve or has not removed this claim from my credit report.
|
| 01/03/2023 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification via XXXX that XXXX XXXX XXXX has reported a collection account and reduced my XXXX XXXX.
I never received any information on this account and the amount reported {$3200.00} does not state the reason for the debt and is incorrect.
I have tried to connect with the company for XXXX weeks ; no response. On XX/XX/2023 I connected with the company and was told they dont have my account and I need to contact the XXXX XXXX XXXX XXXX XXXX XXXX XXXX
So, why was a collection reported on my credit file by XXXX XXXX XXXX? I was never informed, they are denying the claim, and they will not provide me any information on the debt claim. I would like this removed from my credit report.
|
| 01/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In XX/XX/XXXX I co-signed for an apartment for my daughter and son in law. In XX/XX/XXXX they renewed their lease and while my name was on the lease, I did NOT sign the lease for XXXX. My daughter signed my name. The management XXXX XXXX XXXX at the apartment complex were notified and had another lease corrected so my name would be taken off. They know I didnt sign this lease.
In XX/XX/XXXX my daughter and her husband were evicted because they both lost jobs due to covid.
This is not my responsibility and the management of the apartment complex have acknowledged it wasnt my signature or responsibility yet its on my credit report. Ive disputed this and its been verified as correct. Its not correct.
|
| 07/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
|
|
Web |
Servicemember |
|
I cosigned a lease for my son. After he moved out of the apartment with the appropriate notice the the apartments kept billing us ( through a shell company ) for common electric, pest control and garbage collection. I wrote them several times and even sent copies of my canceled checks from my bank but they continued to bill me then put a negative mark on my credit. The apartments are XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The shell company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I repeatedly asked for an accounting of my payments and their billing but never got a response. Also there is no way to contact this shell company except through mail as they do not have a phone number published.
|
| 06/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called nation credit system to tell them that they are reporting wrongful information on my credit, that I owe a debt for an eviction to a place that I have never lived or leased or rent. Someone used my information to apply and they got evicted now its on my credit and I can not get any where to live and I can not get any approvals for any car or apartments because of this wrongful credit reporting on my score, they never sent me any letters and have not contacted me since XX/XX/2023 but its sitting on my credit saying that Ive been evicted and the apartment complex has no records of me ever living there. But they sold the debt to a collector and now its reporting on my credit with a large balance
|
| 03/28/2023 |
Yes |
- Debt collection
- Payday loan debt
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
Ive received phone calls from a third party stating they are a location officer and that I need to contact XXXX.
I called the company and was read a document stating they would be filing a lawsuit and they have nothing to do with location services. The company never disclosed they are a debt collector nor did they state theyre attempting to collect a debt. The company also never stated their full identity only called it national.
I tried to speaking with both location services and national but was never given any information outside of we filing in XXXX XXXX.
I asked on XX/XX/28 to receive a letter validating this and was denied stating I would receive that in a legal summon through the county.
|
| 10/17/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
On XX/XX/XXXX I emailed XXXX XXXX my 60 day notice that we was moving out in XXXX We found a new apt in XXXX and XXXX XXXX acted like they never received the notice so my wife forwarded them the email and they released our info to the new apts office In the beginning of XXXX they gave us a statement of the balance we owed I wrote a check and thought that was it.fast forward to XX/XX/XXXX I checked the mail and got a collection notice saying I owed them {$680.00} I called them and they claim they didnt have any way to contact us because a new property group took over and claim I didnt give them a 60 day notice and basically added on more charges that wasnt initially added to our original move out fee
|
| 12/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
After receiving the initial notice of the debt, I called XXXX XXXX to get more information about the debts owed. In my conversation with the agent, she went through several common problems ( failure to submit notice to vacate, cleaning fees, rent owed, etc. ), but none of these situations applied to me as reflected by the payments on my account. She said that she would discuss this with her manager and return my call to explain the debt. My call was never returned, and I have not received any further communication until I received another collection notice this evening. I have attempted to contact XXXX XXXX multiple times since the original outreach, but my calls and messages have not been answered.
|
| 10/30/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
The collection company only sends the amount of the debt but not the breakdown of the amount owed, and the dates the money was owed. The XXXX XXXX XXXX has also requested this information on numerous occasions on my behalf. I went to the apartment complex office to see if I could get this info and was told that a new managing company now manages the property and they don't show a balance owed in their system. The law offices of XXXX and XXXX ( that represented the apartment complex ) said that they sent the proof of payment to the Managing company they had on file but the apartment complex has not updated with the XXXX courts. XXXX and XXXX XXXX offices no longer represent the XXXX XXXX apartments.
|
| 03/02/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX Apartments utilized discriminatory collection practices and did not accept payment from XXXX XXXX for Covid Relief victims. The rental agreement did not include this stipulation in the lease. The rental disbursement attempts that were made on behalf of the consumer were illegally rejected as there were no exclusive indications within the lease that identified such payments were deemed " unworthy '' of acceptance. I was displaced and homeless due to the negligence of empathy and tolerance of XXXX who refused payment from an outside source during a time of national crisis in 2020. After which, they sold my information to a 3rd party, National Credit System who are the current holder of the debt.
|
| 10/01/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In 2017 someone used my either lost or stolen government ID to get an apartment on which they have an eviction, got medical bills in my name, utility accounts, and bank accounts. I've contacted several companies and most of their advice was to file an identity theft report first.I contacted the apartments and the debt collection agencies, and they weren't able to help me. Literally every single account open and in collections from 2017 was not me. I attached my credit report that has all of the information for more help and detail. I have filed a police report for the identity theft and have attached that as well.
Company : NATIONAL CREDIT SYSTEM Balance : {$2500.00} Date Opened : XX/XX/2017 2017
|
| 08/07/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2022, NATIONAL CREDIT SYSTEMS flagged my account as collections without any prior notification of the said debt. The original creditor did not contact me about the reported debt either. As I was not contacted prior to this action, I was not allowed to exercise my right to either dispute or agree on a payment arrangement for the said debt. I was also not given a chance to request evidence/proof of reported debt.
I am therefore reporting the creditor and appealing for the removal of the reported debt from my credit report.
Details of reported debt - NATIONAL CREDIT SYSTEM XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Amount : {$1500.00} Original Creditor - XXXX XXXX XXXX Thank you.
|
| 12/21/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 12/08/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.
|
| 08/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Used obscene/profane/abusive language
|
|
Web |
|
|
National Credit Service is a collection agency who do n't want with consumers who use bad languages to customers do n't want customers to take care of there collection. They way they talk to customers is a shame .They have a lots complaints with the XXXX have they have n't solve because all this company want to do is keep an collection on your credit for 7 years because they know that can do that and customer need them delete that collection off of there credit report they do nothing to help settled the debt or make arrangements to customers. I 'mean affaid to call this company back to discuss my debt with them because of there representative abusive mouth and management who also do the same thing.
|
| 09/14/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I called back in 2018 when I paid a debt that was owed attached to my social security. Later to find out that they were charging me again for the same apartment complex just a different apartment number. The account national credit system has have a different social security number that isnt mine. The contract that they provided doesnt have my social number on it. They purposely remove the social security number from it. I asked them how can I get an apartment in the same apartment complex if I owed a balance? Thats not possible. They ignored my claim and refused to remove it, after I had just paid XXXX dollars for the debt owed with my social security number. This isnt my debt I paid what I owed.
|
| 08/30/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
National Credit Systems has reported on my consumer credit report for XXXX, XXXX, and XXXX a debt that I do not owe and they are saying the account is currently open. I do not have a debt with XXXX XXXX XXXX nor did I allow this to be placed on my consumer report so it was done without permission. The dates on the account show that it was active since XX/XX/2016, with account number XXXX.
In accordance with the Fair Credit Reporting Act National Credit Systems account # XXXX has violated my rights.
15USC 1681 SECTION 602 states I have the right to privacy.
15USC 1681 sECTION 604 A SECTION 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.
|
| 03/11/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I noticed on XXXX XXXX that the National Credit System , Inc posted that I owe XXXX XXXX XXXX XXXX dollars for either a utility bill or rent. I told the debt collection agency numerous times that I never lived over there but I did apply for housing apartment back in 2016 yet they denied me so therefore someone in that apartment office kept my personal information on file to use it for someone else. It seems like I am not getting any help yet people want me to pay something that I didn't actually do so to avoid this going to a courthouse, I suggest this is taken off of my credit for fraudulent because I can't even give an address nor an apartment unit for that place since I supposedly lived there.
|
| 10/11/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
the collection company contacted me with XXXX % debt reduction offer for payment if made by XX/XX/2016. I sent the check that was dated XX/XX/2016.
they contacted me again on XX/XX/XXXX ( after a whole month ) to say that they have not rcvd the check on XX/XX/XXXX but on XX/XX/XXXX hence the XXXX % offer is not valid and they are requesting the remaining XXXX %.
Also, the collection company did not report to credit bureau that i paid the XXXX % or that by their offer that dept should no longer exist.
since I did n't send my check via register mail, it 's their word against mine. i did try to reason with the person i talked to that 1 day should by acceptable for error margin but they refused.
|
| 12/14/2023 |
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
|
|
Web |
|
|
Starting on XXXX, I started to ask how they verified that the debt of National Credit Systems Inc is accurately reporting and send a second letter requesting the method of verification from the credit bureau on XXXX when i received a response from XXXX that it has been verified as accurate. The reason why I was requesting verification is that XXXX and XXXX could not verify the debt was valid, so these bureaus deleted it from my report. 15 U.S. Code 1681s what has been violated. XXXX has fail to supply me with anything bearing my signature to verify the debt of National Credit Systems Inc is mine. Having this information on my account is getting my credit denied for home loans and credit accounts.
|
| 04/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
hi i have so many accounts thats open i have not gave consent to or authorized or even use my ss number i also have 3 cases of police reports and im a victim of id theft i have accounts showed late and im making payments some saying i owe huge balances and i never open the account a house eviction and never been evicted i have some saying account closed but want removed off credit i also have some reporting and not sure who the company is i really will appreciate if everything can be removed ive dispute the credit all 3 credit companies dispute and investigated and nothing has changed. I also call the company that reports it they filed for dispute and its not removed these are not accurate at all
|
| 01/14/2022 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
|
National Credit System is in violation of the federal law 15 USC 1681 ( b ) permissible purpose of consumer reports in which I the consumer never gave written instructions to furnish these items on my report.
National credit system is reporting on my consumer report and the account had got deleted off my XXXX account. Whenever I dispute the information with this company, they don't give me any proof of the alleged debt. The company did not send me documentations with my written signature, According to Section 604 ( a ) ( 2 ) of the FCRA permits a consumer reporting agency to provide a consumer report when it is " in accordance with the written instructions of the consumer to whom it relates. ''
|
| 11/01/2019 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the documentwhether it's a charge off? The balance is in fact wrong, please make sure toreverse it to XXXX or remove the item fully. Please also produce documentationto verify all the charges and credits in this supposed account that caused tothe extremely high credit figure you might have displaying on my account. Mydemand to present this records is a standard information demand in accordance withmy rights honored within the fair credit billing act. If you fail to give thesedetails per my civil rights petition, please make sure you quickly remove thisspecific wrong posting.
|
| 08/26/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
On XXXX XXXX XXXX I requested that all 3 credit bureaus remove any inaccuracies on my report or remove the account. That information is still inaccurate on all 3 credit reports.
The credit bureaus stated acct name & account # was properly investigated but how is that possible if the open date is inaccurate, last active date is also inaccurate & the date last reported is not accurate. This is grounds for removal. They have also violated my rights under 15 U.S.C 1681 section 604 A section 2.
The law clearly states that a consumer reporting agency can not furnish an account without my written instructions. I havent given this account written permission to furnish this account on my credit report.
|
| 06/23/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
Servicemember |
|
I was working for a XXXX when XXXX declared Bankruptcy. I was under a lease with XXXX and explained the situation to them. I was only a few months in my lease when it happened. The front office of the apartment complex understood my situation and told me they wouldn't try to collect any money from me due to extenuation circumstances. They never tried to contact me about payment or mail me anything. The only reason I found about about this debt is because I checked my credit online and found it. I did not receive anything in writting nor other communication attempts. I also did not receive notice to dispute this debt. I moved out of the complex in XX/XX/2009, and the report is dated XX/XX/2009
|
| 01/25/2022 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I was renting a home in XXXX GA through a company named XXXX homes. Covid 19 had just started and the company sent out emails and posted on the resident portal that if anyone has been affected by Covid-19 and needed to get out of their lease, pay their lease late without late fees, or needed extensions ; that they were willing to work with anyone. I spoke with my home manager and she agreed that I could break my lease with no fees or balance due. The company kept my deposit and the home was rented out in less than a month later. They have since put the collection on my credit even with the agreement. I've disputed it and submitted all corresponding emails. They refuse to remove the collection.
|
| 12/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This debt shows up as National Credit system in reference to XXXXXXXX XXXX XXXX.
The alleged amount is {$590.00}. We contacted the Apartment building and they have no record of it. Contacted the prior property company XXXX and they have no record of it.
Contacted National Credit System at XXXX and at first gave the account number listed on my credit report and my social security number was transfered to a XXXX XXXX voice mail.
I have not received a return call yet. I have also written dispute letters to all three credit bureaus to have it removed since it seems like a fraudulent charge since no one knows anything about it.
Please assist me in anyway you can to get this remedied.
Thank you
|
| 04/29/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
Servicemember |
|
Have written National Credit System about the debt they are trying to collect I did not live in this apartment after the XX/XX/XXXX I am being charged for 6 days in XXXX for rent along with water, sewer, and trash, and pest control and 2 months of break lease fees totaling {$1300.00} The apartment was rented by someone else in XX/XX/XXXX.
I sent a copy of where I had the lights turned off on XX/XX/XXXX I personally went in to the office and gave the assistant manager the keys to the apartment on the XX/XX/XXXX I received a letter stating that if I do not pay they have the option of garnish my wages, level my bank account, put a lien on my property and have reported me to the 3 credit bureaus.
|
| 12/23/2021 |
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
|
|
Web |
|
|
I signed a lease to an apartment, and the building was sold to a new owner ( XXXX XXXX @ XXXX ) halfway though the year. I requested to be let out of lease due to breach of contract and poor services rendered and had a signed legal agreement between myself and the new owners and our respective attorneys all together nullifying the agreement. The disgruntled manager still reported it to collections ( National Credit Systems ) and onto my credit reports at all 3 bureaus. I disputed it with National Credit Systems and provided attached documentation and with XXXX and XXXX, and they dropped it from my report, but XXXX will not. After several unsuccessful tries they won't allow me to file anymore.
|
| 01/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
- Signed a lease with a company called XXXX XXXX XXXX in XXXX, Illinois. At the end of the lease, I was charged for moving out and the outstanding balance was XXXX. I sent them e-mails requesting proof of the damages and documentation about the fees and only heard from them once but they didn't reply after that.
- 6 months later I receive a notification from XXXX that my account now has a collections item.
- I have never received any phone call, e-mail or mail from the collection agency.
- Called the collection agency and they kept putting me on hold and hanging up.
Moving out date : XX/XX/XXXX E-mail Realty company : XX/XX/XXXX, XX/XX/XXXX Notification from XXXX : XX/XX/XXXX XX/XX/XXXX
|
| 08/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you after you asked them to stop
|
|
Web |
|
|
In XX/XX/XXXX was contacted by National Credit Systems I owed money to XXXX XXXX XXXX NC where I use to be a tenant. They asked NCS to collect debt.. In XX/XX/XXXX I sent NCS a Cease Comm letter telling them to cease all communications with me, also told them I will deal with XXXX XXXX myself and that I refuse to work with a collection Agency. I also told them not to contact any credit rating agencys of this debt. In XXXX I checked my credit reports and NCS has this debt listed. On XX/XX/XXXX I send NCS another letter telling them I do not want to deal with them. According to the post office they picked up letter XX/XX/XXXX. Yesterday, XX/XX/2018, NCS sent me another letter demanding payment.
|
| 11/06/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
The entire month XXXX and XX/XX/2023 I have been communicating with National Credit Systems. I have sent an Identify theft report, affiliated, police records. I have done everything that was asked in order to remove the Dept and in the end they told me the owners of the apartment community ask them to proceed with the Dept. The apartment isn't even in my name and they said I was the guarantor. I asked for document showing where I agreed to be a guarantor and they can't provide. the dept is {$10000.00}. Also the other apartment was showed that I owed {$3900.00} which I presented the court documents stating : Landlord agree to dismiss money judgment without prejudice. I have all the documents.
|
| 03/14/2017 |
Yes |
|
- Credit reporting company's investigation
- Problem with statement of dispute
|
|
Web |
|
|
I was living in a apartment in XXXX texas in XXXX.once i move in i was taken a shower and rust came out this was a on going problem. the manger kept tell me it would clear up but it got worst. i had to start taking a shower a the XXXX because it was so bad. so after awile they told me they will give me a new apartment and the same thing. i paid up and they said we were up to date but when moving out they came up with all kind of charges, i was never late on my rent and a good tenteat.i have all the pictures and i am ready to back up all my claims.i was done wrong and now my credit have a mark on it. i am ready to dispute this report and ready to back up this claim with pictures and recepits.
|
| 06/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. I would be grateful if these fraudulent items are removed as soon as possible as it is hindering me very much so. I am unable to move forward with life so that I may provide for my family. I don't have a home, a car, no credit because of this problem. Please I ask that these fraudulent reports be removed.
|
| 09/04/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
I contacted NCS to have them delete an account that did not belong to me. NCS and I agreed to delete the account if I paid the full amount. NCS also agreed to send a letter stating that the letter was paid in full to delete. The letter I received in the mail only stated that it was paid and full and did not have the language that it would be deleted. I recorded the conversation and if you listen to the last 30 seconds of the phone conversation the representative agreed to have that language written in my letter. I am requesting that NCS adds this language to my letter as well as remove this item from my credit report. They violated 15 USC 1692e by making a false and/or misleading statement.
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I have sent repeated disputes and request to verify information. They fail to do so. I sent another request on XX/XX/XXXX and XX/XX/XXXX and have yet to hear anything This is a predatory collection agency who updates my credit report monthly with derogatory information. I never entered into any contract or agreement with this business. I never received any notification of any form of this alleged debt before it was attached to my credit reports. This has caused me severe financial hardship and has made it extremely difficult for me to obtain credit. There are several complaints of this company online with similar situations. I truly believe they have violated the FDCPA numerous times.
|
| 01/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Notice, it is a fact, affiant did not give prior consent to communication to the debt collector, National Credit Systems and the affiant alleges there was no prior consent from a court giving permission to contact I, the affiant in collection of any debts and thus this communication would be National Credit Systems is a violation of 15 U.S.Code 1692c ( a ) without a court order brought forth. It is a fact, affiant is aware, the false character of the amount of any debt is a violation of 15 U.S.Code $ 1692e ( 2 ) ( A ). Affiant has proof of this violation as National Credit Systems allege I, the affiant, owes a debt but the alleged debt is shown in the positive amount, as seen in Exhibit A.
|
| 06/22/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
*On XX/XX/XXXX, I received from National Credit Systems, INC informing me of a account they intend to place into collection.
*On XX/XX/XXXX, I attempted to contact them via phone call, no answer.
*On XX/XX/XXXX, I sent via certified mail a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt.
*On XX/XX/XXXX, I sent a second certified letter with a request to validate debt, notice of my intent to dispute the debt, and demand to not report this account to collection without validation of debt.
XXXXOn XX/XX/XXXX National Credit Systems , INC reported this account to Credit reporting agency XXXX .
|
| 08/28/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
National credit systems has been reporting an account I have been trying to resolve with them for 2 years now as a rental collection. I have disputed on several occasions that this is not my debt and I have no knowledge of this debt and requested more than 8 debt validations and still no response but continues to report on my XXXX credit report as verified and valid although this has never been verified and no validation has ever been sent to me. This is a direct violation of my rights as a consumer and can be fined and fee 'd for such violations. National credit systems is reporting a debt in the amount of {$1100.00} for an account number of XXXX. I want this off of my credit immediately.
|
| 04/25/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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|
This company has obtained my information with my consent. Claiming that I owe them a debt and reporting on my consumer report. I have never done business with National Credit Systems. I have contacted this company several times asking for a complete audit trail of this account and how do I owe them? I have sent letters as well as certified letters since XXXX. They never respond! This account reporting to my consumer file is causing me a deep XXXX and is a Defamation of My Character.
According to 15 usc 1681 section 602 A states I have the right to privacy.
15 usc 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written intructions.
|
| 07/24/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Older American |
|
National credit system for XXXX XXXX XXXX reported inaccurate/false information to all three credit bureau 's stating that I owed {$1200.00}. My first time hearing this was when I applied for an apartment. I left that residence in 2013 in excellent standing. I am in the process of losing my housing due to this fasle acquisition. I will no longer have affordable housing as a senior citizens if this is not corrected immediately time is of a essence I have 14 business days left to correct these false allegations and I also care for my XXXX XXXX child. When I contacted this company they stated they did not exist anymore and did not have any records stating that I owed them any monies or sums.
|
| 02/05/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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Cease and Desist Please be advised that per American Jurisprudence, 73 Amer Jur 2d, Sect 90-93, your company can not subrograte on any legal and binding contract that you were not originally on, did not have any interest to protect and then claim successor in rights and interests.
Please send any and all validating information as to this debt, any form of id, signatures that I have signed with National Credit Systems , Inc in regards to XXXX.
When XXXX sold the debt they gave up their rights to collect on said debt, but they did not and can not give away those same rights to ANY collection agencies.
National Credit Systems , Inc, can not act as a substitute for the original creditor.
|
| 03/09/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
National credit Systems is reporting an inaccurate collection account on my reports that I have been disputing for some time.
I sent them a letter requesting validation of debt which I have left the tracking to prove receipt XXXX XXXX XXXX XXXX XXXX.
In receipt of my dispute they asked me to provide documents concerning this debt and sent over an itemized statement from the original creditor. How are they able to verify this debt as accurate if they are asking me to send in documentation regarding this account? Furthermore, an itemized statement is not proof of debt.
Clearly they are unable to validate this debt and I am requesting that this account is deleted from my reports now!
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| 01/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I called to National Credit System to get a discount and the answer I got was rude and they said I had to pay the bill for the maximum amount. I didnt have right to call to negotiate ; either it paid everything or didn't call then. The proof that they sent me that the collection debt was mine, was an apartment inspection paper and that they could not contact me. I still kept the same email and i kept the same phone for 1 year, I asked for a copy of the contract or email that the apartment complex try to contac to me to see the veracity and they refused.
I spoke that time with a XXXX XXXX costumer service and when I called back to talk with someone else they said here we dont speak XXXX
|
| 11/22/2021 |
No |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit repair services
|
- Confusing or missing disclosures
|
|
Web |
Older American |
|
XXXX years ago I hired XXXX XXXX This company of their own freewill as a credit collector accepted payoff agreement I was able to satisfy debt andXXXX XXXX allowed me time to repay them.
All parties were affirmed and satisfied all paid much time later the debt collector files against my credit rating resulting in my credit rsting falls by 37 % and they usually file with irs for a 1099-C showing I had unearned income All False BUT we as citizens have no cnduit to protest resulting in irs demanding payments with resulting fees interest etc I worked to restore my credit rsting. I used every legal anner to assure payment.
I am now burdened once agan by debt collector and eventually irs.
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| 11/15/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I submitted on XX/XX/2021 a letter, FTC report, and 15 USC1681c-2 block info. I have an identity theft with an account on my Consumer Report with XXXX Only NATIONAL CREDIT SYSTEMS ( ALLEGED ORGINAL CREDITOR ) XXXX XXXXXXXX XXXX.
This agency is in violation of 15 USC 1681c-2. A consumer reporting agency should block an remove the reporting of any 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 by such agency. This account is still reporting on my account and they have all of the information that need and its been 6 days since they received the letter.
|
| 11/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/XXXX I received a letter from National Credit Systems , Inc indicating that I owed them {$9100.00} and that the original creditor was XXXX XXXX XXXX XXXX. Therefore on XX/XX/XXXX I mailed a validation letter requesting information regarding the account. I lived at the XXXX XXXX XXXX and when my lease expired I moved. I left the apartment clean also. The owner is taking advantage of me and my family. I believe that they are taking advantage of me because of my limited English and country of origin. I am requesting that they provide proof of the debt that they claim I owe them. This account is impacting my ability to find a safe place for my family and impacting my credit report.
|
| 10/07/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
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|
XXXX continues to block my dispute of the account listed on my report as National Credit Systems account numnber XXXX. The account is a collection account that is showing as having been included in bankruptcy in XXXX. This is incorrect and XXXX will not let me fix the problem or claim that they have " verified '' the information as correct. They send notices that : " You have previously disputed this item. Pursuant to Section 611 ( a ) ( 3 ) ( A ) of the Fair Credit Reporting Act, we will not process a duplicative dispute ... '' If XXXX really did verify the information as being correct, then they would know that this account was not included in bankruptcy as it is listed on my report.
|
| 10/21/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
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I am a victim of identity theft. I have contacted this company XXXXXXXX XXXX XXXX XXXX ) now in collections with ( NATIONAL CREDIT SYSTEM ) numerous of times back and forth with all three credit bureaus about these accounts and got the run around. NATIONAL CREDIT SYSTEM only told me, " Well its in your name and you have to pay for it ''. I explain to them it was fraud nut they wasn't trying to hear that. I provided documents to prove that this isn't my account over and over and again nothing. I feel like my accounts wasn't properly investigated. They also stated that this account was created online as well. Nothing has been done XXXX XXXX XXXX XXXX will not remove the account as well.
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
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NATIONAL CREDIT SYSTEMS at XXXX XXXX XXXX, XXXX, GA XXXX or ( XXXX ) XXXX {$5900.00} to {$1900.00} Since 2014 I have been charged an enormous amount that a debt buyer purchased without a thorough investigation. I have been calling a couple of times per year to get this resolved with no avail. A dispute with XXXX was recently modified but no actual changes to the amount was completed. The apartment complex actually sent me an email and tried to reach out to national credit system but XXXX wasn't trying to mitigate the situation. I reached to speak with him several times. The last time he placed me on a 45 minute hold when I asked to speak to a supervisor. The amount should be corrected.
|
| 12/29/2021 |
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
|
|
Web |
|
|
In XX/XX/2017, I became a victim of identity theft with The XXXX XXXX Apartments located in XXXX, GA and with the National Credit Systems also located in XXXX, GA. I have never lived in XXXX, GA and I have proof that I have never lived there and that I am apart of a crime and scam when people relocate to different states with other identifications other than their own. I was fraudulently charged over {$3000.00} in rental charges and eviction fees that are not mine. I am currently working with the police to file charges against the XXXX XXXXXXXX XXXX and the National Credit Systems. I also have proof that the signature the XXXX XXXX XXXX used for the fraud information is also not mine.
|
| 10/15/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
National Credit Systems has failed to provide itemized documentation for the account that is listed on my credit report. The last activity on this account was XX/XX/XXXX and for the state of TN the statue of limitations is 6 years. I want this account removed immediately. I have repeatedly disputed this account over the years and it always comes back verified without documentation being provided to me. I was denied a job due to this one and only collection on my whole report. I 'm not able to qualify for a mortgage loan as well until this is rectified. I need this corrected as soon as possible. I recently disputed this via XXXX and it came back on the XX/XX/XXXX day as verified again.
|
| 08/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Improper contact or sharing of info
- Talked to a third party about my debt
|
|
Web |
Servicemember |
|
This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them.
|
| 10/25/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
In 2013 I voluntarily terminated a lease agreement for a rental apartment.
I was billed for the full remainder of the lease agreement ( approx. {$8000.00} ) Washington State law requires the property owner to mitigate damages by attempting to re-rent the unit, and they may only bill me for the time that the unit was empty.
The amount was never adjusted.
The property is no longer owned/managed by the same company, and no records have been provided indicating when the property was rented.
I have contacted the collections agency multiple times to get the debt adjusted, or even prove the validity of the debt, and they have only ever provided me with the original rental agreement.
|
| 03/20/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Indicated committed crime not paying
|
|
Web |
Older American |
|
I chose # XXXX because I did n't see an appropriate point under " False statements or representation. '' NATIONAL CREDIT SYSTEMS , INC '' told me I had to pay the debt by giving them my CHECKING ACCOUNT NUMBER in order to " Protect your credit. '' And when I said I was n't giving them my acct number she said " Well, like I told you, giving me your checking account number is THE only way to protect your credit. '' I called within XXXX days and said I wanted a letter statin that if I XXXX they would contact the credit bureaus to say the debt was XXXX, and that I was going to send an official money order for the XXXX payment. AGAIN she said if I did that they could not ensure my credit.
|
| 07/23/2015 |
Yes |
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
National Credit Services has been reporting on my credit report for a number of years an account that no longer belongs to the client they once represented. I that this is an aggregious act of misreprentation, fraud, and harmful to consumers. Spoke with XXXX XXXX office on XXXX, who reported that have not done business with National Credit System in years and they should not be reporting or collecting any money on their accounts. However, when I contacted NCS, they indicated I had an balance of {$160.00} and were ready to take a payment. In fact the account was XXXX which had already been paid but yet here they were trying to take a payment for an account which was no longer theirs.
|
| 09/10/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been trying to get some information for an account from National Credit Systems. They are trying to collect for an apartment that I resided at, XXXX XXXX XXXX. I have written them multiple times and the only information I have obtain from them was that it was a collection for these apartments. I don't think I owe anything for this apartment. I didn't break the lease, I didn't mess up the apartment and I even came back after I move everything out to clean to make sure I did an acquit job. I have repeatedly asked for an itemized list of what the charges are for. I just don't think that I could possibly owe {$1800.00} for this apartment. They refuse to send me any information.
|
| 08/09/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have a debt on my credit because an apartment that I rented when I live in Arizona. The company after contact me several times give me an option to pay. After I paid the amount we accord they will take out the collection from my credit. I paid the amount they told me on XX/XX/16 and the debt still on my credit as collection. I try to contact the lawyer who contact me several times and no answer. Also I call the company who give me the phone number of the lawyer office and when finally somebody respond they send me to call lawyer office because they can not do anything. As result of this I been trying to rent an apartment for me and my daughter and all application has been denied.
|
| 01/13/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
In XX/XX/XXXX I was wrongfully evicted from my apartment in XXXX XXXX XXXX in XXXX, Tx. I was able to get another apartment in my name over the next two years without any issues. When I applied for a job in the summer of XX/XX/XXXX I was denied because I had {$6900.00} in debt from a collection from XXXX XXXX XXXX in XXXX, Georgia. I assumed that XXXX XXXX XXXX sold the remainder of the lease to XXXX XXXX XXXX. This collection agency directly prevented me from getting this position I was applying for, and other apartments later in life, and they have never reached out to me to verify the debt. They have never tried to contact me in regards of anything concerning this proposed debt.
|
| 04/05/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XX/XX/XXXX received a letter from National Credit Systems indicating we owed {$1400.00} on apartment rent from XXXX XXXX XXXX Apartments. We moved from XXXX XXXX XXXX in XX/XX/XXXX.
XX/XX/XXXX went to XXXX XXXX XXXX management and they confirmed WE HAVE NO OUTSTANDING DEBT. They printed out our full payment history. Management also indicated they did not use National Credit Systems as their debt collector.
XX/XX/XXXX mailed payment history and return slip to National Credit Systems disputing debt.
This debt collector has since indicated we have not supplied suitable evidence and has continued to pursue myself and fianc. They are threatening to report us to the credit bureau.
|
| 03/17/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
1681s-2 ( a ) ( 1 ) ( B ) - After a dispute, the information can not be furnished if the information is in fact inaccurate.
AFFIDAVIT Notice, it is a fact, affiant is aware, This information has been disputed. After this procedure upon discovery, my consumer report is still showing the information inaccurately. This is a direct violation of 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( B ) and the account must be removed.
This furnisher is not following industry 's own XXXX XXXX Compliance and reporting ACCURATE AND COMPLETE information and they have not, which is a violation of the FCRA. I have prepared my exhibits in case arbitration or litigation will be a necessary step going forward
|
| 06/29/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have recently tried to file disputes with all 3 credit bureaus ( XXXX XXXX and XXXX ) because National Credit Systems who is a debt collector has reported to my credit and my husbands credit an account that does not belong to us. They are reporting that the original creditor is XXXX XXXX we have never signed a lease with XXXX XXXX or lived at XXXX XXXX XXXX. WE DEMAND If national Credit Systems does have proof of a contract to show it to you and you will see creditor name listed on it if we did sign a lease with their original creditor is not National Credit Systems. I want the collection account they are reporting to be removed because they are reporting inaccurate information.
|
| 04/12/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
On XX/XX/XXXX, I submitted a complaint to CFPB - XXXX - regarding a debt that National Credit Systems has been trying to recover for over a year. I submitted all my documentation of proof of payment and on XX/XX/XXXX NCS responded to my complaint with the following : " XXXX XXXX never sent us the documentation you included with this dispute. Given the documents you have provided, we will cease our collection activity and close this account. '' A week later, today, I receive a phone call from NCS, once again trying to collect the already paid debt, which was supposed to be an already " closed account. '' Attempt to collect was made today, XX/XX/XXXX at XXXX XXXX made by XXXX XXXX.
|
| 09/14/2015 |
No |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
National Credit Systems continues to report to XXXX XXXX XXXX that I owe XXXX Aparments {$4000.00}. I have told them numerous times that they have made an error, and that this debt does not belong to me. I have never lived there. In fact, I have lived in my current home for over eight yeras. They claim that they have nothing to do with the debt being on my credit report, and if I want to contest it, I should contact XXXX XXXX Apts directly. I have done this, and XXXX XXXX tells me they have no record of my name having a debt with their community. I reported this information to National Credit Systems, but National Credit Systems continues to report this error on my credit report.
|
| 05/25/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I satisfied my account with National Credit Systems in full in XXXX of 2019. I received written confirmation of this dated XX/XX/2019. The account is still reflecting a balance of {$1300.00} with all credit reporting agencies. I have contacted National Credit Systems of this issue and received no resolution. So I have disputed the inaccurate information with all 3 major bureaus. Most recently XXXX has replied to my dispute stating that the information is being reported accurately and that it will not be updating the information even though I attached National Credit System 's letter with my dispute stating that the account has been settled in full and now has a {$0.00} balance.
|
| 12/10/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I leased an apartment from a company called XXXX XXXX XXXX XXXX XXXX XXXX and vacated in XX/XX/2017. I had email correspondence with the manager whereby I asked them to draw any remaining money owed from my security deposit. That manager confirmed, I returned the keys and then never heard from the company for about 1 year. Then I got a call from National Credit Systems saying I owed all this money. They never provided any proof as to why I owed any money. They just berated me for weeks upon weeks saying I needed to pay. When I showed them the email correspondence with the manager and asked for any proof that I owed money, they provided nothing. Email correspondence is attached.
|
| 10/14/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I have been fighting identity theft since XX/XX/2016. My credit score is all messed up. Accounts are being opened under me fraudulently. And I have a lot of medical bills ... been sick for many years. I am not able to work right now and I have no money to pay the hospital bills .... and bc of all the collections, I am suffering sooooo bad STILL and Im only XXXX.
I have never lived in the apartments your company is collecting for. So please work this me! Yall are trying to collect {$8000.00}. I dont have a single dollar to my name right now and I cant even get a small loan to pay a bill because your company is trying to COLLECT {$8000.00} FOR SOMETHING I AM NOT RESPONSIBLE FOR
|
| 06/21/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit System is trying to collect debit that I do n't owe them ... I never heard of this company nor have I ever did business with this company.I have never signed a contract with this company or have any kind of written agreement with this company ... I tried to dispute this several times along with proof or validation of this account..They look to have been reporting on my report or opened XXXX XXXX,2014 in the amount of {$1700.00} ... I would like to have them removed from all 3 major reporting agency ( XXXX, XXXX and XXXX ) ... This is embarrassing to my report and hinders me from pursuing my dream of being a home owner ... Thank you guya for doing what you do!!!
|
| 06/12/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
|
|
Web |
|
|
Hello I filed a complaint in XXXX to have National Credit systems to remove a collections they have on my credit report. They agreed to remove the account however they said they removed the account but it is still showing on my credit reports I called the credit bureaus and they have n't received any information from National credit systems to remove this account on my report. I called national credit systems back and they 're not being any help. XXXX and XXXX f ax said that once they receive the update to remove the account electronically it is removed instantly. I 've been calling them to have them remove this account since XXXX and I 'm getting the run around.
|
| 03/08/2018 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
An agency states I owe {$1600.00} for an apartment lease I paid off without incident. No communication was given to me by the apartment complex at any point. XX/XX/XXXX I sent a letter to National Credit System requesting proof of the amounts owed and also followed up with a phone call to confirm the agency received and understood what I needed to pay the debt. 30 days went by and I was never given any proof of the said amounts owed. I have been lied to and believe this is a fraudulent attempt to collect revenue. I sent a correspondence and followed up with a phone call XX/XX/XXXX and was basically told they would not provide me with any proof of said amount due.
Please help.
|
| 02/15/2018 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
XX/XX/XXXX National Credit Systems , Inc .
I asked The supervisor XXXX XXXX to give XXXX authorization to remove a Paid debt from my credit.
Amount {$670.00} paid XX/XX/XXXX.
XXXX XXXX said no that she would not talk to anyone from the XX/XX/XXXX or any Credit Bureau, when I asked her why XXXX XXXX said it was against company policy and it was not worth losing her job. I asked to speak with her boss and she said NO.
I asked her again for her to give me her supervisors name and was told no. I asked her who owned the company and a direct phone number and she lied to me and gave me a false Name and Email and no number.
This is not acceptable business practice by any means..
|
| 02/04/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
Servicemember |
|
Original stated source of Debt : XXXX XXXX XXXX in XXXX Ohio National Credit Systems has failed to provide any information that a debt is owed. NCS has XXXX debts XXXX for {$500.00} and the other for {$100.00} totaling {$600.00}. Neither amount reflects any amount owed orobligated to The Chesterfield by me. The only factual information is that I did live at XXXX XXXX XXXX in XXXX to which they advise is the original source of the debt. I do not and did not owe XXXX XXXX any monies for any reason when I moved. They failed to provide upon request any factual basis for the claimed debt owed. They continue to report to the Credit bureau false information about the debt being owed.
|
| 07/11/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have disputed the following accounts several times now, at the time these accounts were opened while I was incarcerated, from XX/XX/XXXX to XX/XX/XXXX. There is a case with the XXXX Police Department, for identity theft and an individual that forged my signature. These accounts are being reported in my credit report, they are really interfering with my living situation in stable a stable home for my children. I have documentation that proves my statement ; therefore, these accounts need to be removed from my credit report immediately, or I will proceed to a lawsuit.
XXXX XXXX XXXX XXXX XXXX NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 08/26/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I received a notification on XX/XX/XXXX stating that a collection account from an apartment I resided in was being placed on my credit reports ( XXXX, XXXX and XXXX ). I was never contacted about this debt when I moved out in XXXX of XXXX. I contacted the company on XX/XX/XXXX for a debt validation and waiting the allotted time of 30 days and did not receive anything from this company to my address in this time frame. I contacted them again on XX/XX/XXXX for a second time, still had not receive anything. I called the original company that issued the debt to be placed on my report, they do not have any record of this debt and can not verify with me where this debt came from.
|
| 10/26/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Called after sent written cease of comm
|
|
Web |
|
|
OK ... .FIRST OF ALL, I HAVE A CEASE AND DESIST ORDER AGAINST THIS COMPANY. I RECIEVED A LETTER YESTERDAY ASKING FOR MORE XXXX DOCUMENTATION REGARDING MY ID THEFT CLAIM. I AM NOT SUBMITTING ANYMORE STUFF TO THESE PEOPLE!!!!!!!! I WAS LUCKY TO EVEN BARELY FILL OUT THAT XXXX FRAUD PACKET AND SEND THEM A COPY OF MY XXXX ID, AND THEY STILL WANT MORE XXXX!!!!!!!!! I AM NOT DOING IT!!!!!!! GOT IT?!!!!! THEY WERE XXXX TO YOU GUYS ABOUT GETTING A FRAUD PACKET, THEY GOT EVERYTHING THEY ASKED FOR AND STILL WANT MORE!!!! UNACCEPTABLE!!!!! THEY ARE NOT SUPPOSED TO BE CONTACTING ME AT ALL ABOUT THIS DEBT, AND THEY ARE STILL DOING IT, I GOT NOTIFICATION FROM THEM YESTERDAY BY MAIL!!!!!!!!
|
| 02/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I had an debt opened on my credit XX/XX/XXXX for {$4100.00} the original creditors name is XXXX XXXX XXXX but it was sold to NATIONAL CREDITORS SYSTEMS. I have disputed this debt XX/XX/XXXX stating, I am requesting the original purchase agreement that shows you are the legal owner of this alleged debt, please include all terms and conditions in this purchase agreement and the completion date of this dispute was to be XX/XX/XXXX I've had no response on it or completion and it is still impacting my credit, I would like this removed from my credit as it was filed fraudulently because I don't owe anything to this company and have not received any documents or notices of a debt.
|
| 06/09/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
I wanted to know are you the owner of the original debt?
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
|
| 10/25/2018 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
In XX/XX/2018 I sent a certified with return receipt letter to National Credit Systems to Cease and Desist contacting me. I also included a check for the amount of {$490.00} as that is what the ledger states that I owe from the original creditor. I also provided my new address. After a month of not hearing from the company and noticing the check that was sent to them had not been cashed I contacted them directly. They stated that I owed {$4900.00} and that they mailed my check back to me, which I have never gotten back.
They now continue to call me repeatedly throughout the week and leave voicemails and I will not answer there calls. This is why I am filing the complaint.
|
| 05/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
XXXX XXXX XXXX filed an eviction with an amount of {$4000.00} owed. The eviction was filed after I no longer lived there. I moved out of the apartment at the end of my lease in XX/XX/2018. I believe the eviction was filed in XXXX or XXXX. The debt is now held by National Credit Systems.
Furthermore, I was not in any way notified of action being taken against me. I was unable to dispute the " eviction '' or amount they claimed I owed them. I did not know anything about this claim until a year later when I noticed it on my credit report.
The money is not owed and I was not given a chance to dispute it or show evidence. I was not notified that any action was being taken.
|
| 05/14/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
National Credit System has reported an unverified collections account on my credit report. I am demanding that they provide the original documentation with my wet or digital signature via mail. If unable to provide that information I demand that the unverified collection report be deleted/ removed from my credit report with all repositories. Per the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) it is required by federal law to verify- through the physical verification of the original signed consumer contract- any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could be fax, mail, or email in a fraudulent account
|
| 07/14/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
These accounts and Inquiries on my credit report are fraud. I would like for them to be removed, because it is affecting my credit score and me and my family being able to rent and get a car.
National Credit Systems {$3000.00} Acct # XXXX National Credit Systems {$1600.00} Acct # XXXX XXXX XXXX XXXX XXXX {$4500.00} Acct # XXXX XXXX XXXX XXXXXXXX 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
|
| 07/31/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I have contacted National credit systems on multiple occasions I have provided them police report. Copy of ID and FTC identity theft report, my lease utility bills also to their email as requested at identitytheft @ nationalcreditsysyems, XXXXnationalcrediysystems.com and XXXXnationalcreditsysystems.com. I call daily and are advised that the creditor verified debt by my sane ID no one is reading the police report to see that my whole purse was stolen with my identification so I expect that but I do not know what else to do this was not me I have never lived in XXXX XXXX XXXX XXXX XXXX please investigate this read the police report and remove this from my credit reports.
|
| 08/27/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX west asked for money judgement possession of unit XX/XX/21 in the amount of ( {$7900.00} ) I moved out XX/XX/21 due to infestation of mice left a XXXX balance. They allowed a squatter to move never told me.
The Judge was made aware in XX/XX/21 gave possession of unit but did NOT grant money judgement. XXXX agency is aware. Case number is XXXX court phone number is XXXX l. This all took place during covid. I collected and share court documents with credit bureaus and collection agency. They still wont remove the {$19000.00} collection placed on my credit profile illegally. This has stopped me from buying a home. Caused me denial of credit and higher interest rates
|
| 01/01/2018 |
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
|
|
Web |
|
|
I ask this creditor to provide me with documentation that i agreed and sign a financial obligation to pay them the amount they are reporting. I ask them to show me detailed notations of how the balance they are reporting was configured, including notifications, dates, invoices, receipts of damages paid. I sent 3 certified letters to this company, the first one was sent off on XXXX XXXX, 2017. The collection agency is not the original creditor, i 've reached out to the original credit as well but no no response. I 've asked for validation not verification, and a timely response, under the guidelines of the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.
|
| 05/20/2017 |
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
|
|
Web |
|
|
After reviewing my credit report ongoing .. There 's a collection Agency. . National Credit Systems.. A Balance of {$5000.00} ... Opening date XXXX XXXX , 2016.. Th at 's continuing to appear on my credit Report ... It was once remove due to Fraud.. And it has now appeared back.. And it 's showing as if the collection is new.. And it 's a severely old account ... Police Reports has been sent in to them and all of the Credit Bureuas to have it remove.. And all have done so except XXXX ... I have not lived at this address or apartment complex ... This is Really starting to be a pain.. Because what they are reporting is not accurate and it 's Fraudualant..
|
| 10/09/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On or around XX/XX/2023 I moved out of XXXX XXXX apartment due to fear of my safety after reporting several incidents that happen while living here like someone setting my semi on fire, cars kept getting broken in and the last straw someone taking all my tires off my car leaving it on bricks. I talked to the manager they agreed to let me leave and transfer to another apartment complex out of the district when I told them I cant do that and I found my own house and gave them my move out date they then added false amounts of debt to my credit report once I moved. Which is stopping me from getting another home. When I left they apartment I left it clean with no damages.
|
| 02/24/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I am filing a complaint because the debt from National Credit Systems Inc ( Account # XXXX ) does not belong to me. I signed the lease with the original creditor, The XXXX at XXXX XXXX, due to me being XXXX at the time. However, I did not provide them with any financial statements ( bank statements, pay stubs etc. ) to hold any accountability for payment. The financial statement attached does not even include my name and it is signed by the apartment manager. This is terribly ruining my changes of finding housing and I was like this is to be investigated. If no financial records show that I am financially responsible for this debt, I would like it to be removed asap.
|
| 11/23/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX- XXXX 2017, I sent multiple letters and contacted the collection agency via phone to inquire about a debt that appeared on my credit report. I have asked them to validate the debt, documentation showing where I signed paperwork from the original creditor. They could not validate debt or have proof where I owed the debt. In turn, they sent fraud paperwork to my address to complete. It is unnecessary for me to complete such paperwork when the debt is not mine.
I would like to be provided validation or contract from this company for said debt! I do not have a contract with this company also this company does not have an active license to collect debt in AL state
|
| 08/24/2023 |
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
|
|
Web |
|
|
I recently reviewed my credit report and was deeply troubled to discover several items that are unverifiable, invalidated, and inaccurate. These discrepancies have caused me significant distress.
Furthermore, it's important to note that these inaccuracies have already been removed from other credit bureaus ' reports, highlighting their inaccuracy.
Under the Fair Credit Reporting Act, it's crucial that my credit report is 100 % accurate. However, I've identified violations of 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) due to these inaccuracies.
I urge your agency to rectify these issues promptly and ensure the accuracy of my credit report. Thank you.
|
| 10/14/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit Systems Collection Agency have reported to the credit bureaus a collection account that does not belongs to me.
I was in XXXX in Puerto Rico from XXXX thru XX/XX/XXXX and this debt is dated XX/XX/XXXX. There is no way I can rented an apartment while been XXXX.
The debt creditor is XXXX XXXX XXXX for the amount of {$2100.00} and the collection agency is : National Credit sysytems XXXX XXXX. XXXX XXXX XXXX, GA XXXX I am trying to get everything straight with my life, getting things done in a responsible way and do not need negative things to stop me to achieve my goals This collection agency refused to remove this debt which does not belongs to me.
|
| 04/07/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I broke a lease agreement with XXXX XXXX XXXX XXXX After some back and forth, they determined this to be an uncollectable debt and they issued a 1099. They originally sent a 1099-misc, indicating I had received a {$17000.00} payment from them. I notified them that they should have sent a 1099-c ( notice of debt cancellation ) and they assured me that they would send me the correct form to indicate they " gave '' me over $ XXXX. Of course, they didn't " give '' me any money. They " gave '' me this money in the form of debt forgiveness. Both my XXXX and XXXX reports indicate I owe them the money that they " gave '' me, which is now considered taxable income for XXXX.
|
| 09/05/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I have been harassed by national credit systems in the following ways : -would not stop calling even after repeated requests.
-would not furnish documentation regarding alleged debt.
-they play games on the phone and avoid any questions and abruptly hang up when I question the validity of the debt.
-they manipulate the dates reported to the credit bureaus whenever I make a dispute as a way to keep the alleged debt on my credit report. They leverage themselves by negatively reporting false information as a means of power over me. I HAVE RECORD OF THEM CHANGING DATES AND MANIPULATING THE SYSTEM.
This is causing major financial stress as well as emotional stress.
|
| 12/18/2018 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National credit systems. I paid XXXX dollars to them in XX/XX/2015 for XXXX XXXX XXXX. I have the receipts but they are still on my background checks. I have proof with a receipt it was received. When i went to contact the company on my own they keep saying they have been sold and sold and resold again so they cant locate my information. This is destroying my family and my trust in the government. Why was this not reported to my credit when i first made payment. And now national credit systems wants XXXX for something i paid in XX/XX/2015. This is ridiculous. Ive contacted them once before and they still want more money. Why pay more for something ive already paid.
|
| 09/25/2018 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
This company is reporting a negative debt against my credit report that I believe does not belong to me and has refused to delete it. This company is in violation of several consumer rights under the Fair Credit Reporting Act. According to the Fair Credit Reporting Act I am entitled to notices concerning the reporting, handling and usage of my credit information. Notice violations under this act occur when a creditor fails to notify you when it supplies negative credit information to a credit reporting agency and when a creditor fails to notify you of your right to dispute inaccurate credit information. They are in violation of two different consumer credit rights.
|
| 06/13/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I consumer XXXX XXXX reviewed a copy of my credit report and understand that National Credit Systems is violating my rights by trying to collect an alleged debt that they are trying to defame my character by placing it on my credit report. I will not continue to allow my right as a consumer to be violated. Under 15 USC 1692, I have laws that protect me as a consumer. This company has violated these laws and I am demanding a remedy and deletion of this account.
15 usc 1692 a ( abusive practices 15 usc 1692b communication by post card 15 usc 1692 c communication 15 sc 1692d harrassment 15 usc 1692e false or misleading representations 15 usc 1692 f unfair practices
|
| 04/12/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I had residence in apt complex XXXX XXXX located in XXXX XXXX FL. My lease ended XX/XX/XXXX. New residence wasn't available til XX/XX/XXXX. Asked XXXX XXXX if we could be prorated for 2 weeks and was informed that full month would have to be paid which was done and paid via their web portal. Place was cleaned out and keys turned in before end of XXXX Now it's being stated that move out date was in XXXX and trying to charge for approximately 3-4 days which is incorrect. Now account is negatively on credit report even after showing proof of payment. Collection agency keep trying to say they are waiting on response from their client but dispute was placed XX/XX/XXXX.
|
| 06/13/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
There is a collection account on my consumer report that shows the " original creditor '' and the account type which state DEBT BUYER. Pursuant to 15 USC 1692D ( 4 ) selling a debt is a violation. By these accounts being listed as debt buyer is also a violation pursuant to 15 USC 1692E ( 14 ) due to a 3rd party attempting to collect as somebody else. In this case NATIONAL CREDIT SYSTEM is attempting to collect as XXXX XXXXXXXX XXXX XXXX. These collections ( junk buyers ) are infringing upon my privacy as I have the right to privacy and never gave them ANY permission to access my personal information as well as well as furnish ANY information on my consumer report.
|
| 10/01/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In response to CFPB compliant # XXXX and the company 's response to my complaint. NCS ( National Credit Systems ) did not provide the supporting documents as requested via to my e-mail or by certified mail within 30 days under federal law. NCS claimed to have mailed on XX/XX/2020 the documents to the address given in my e-mail and it came back as returned?? Provide to me the evidence.. It's very simple, prove to me that the documents were send to me within 30 days as you state. NCS can't because there is no supporting documents and the debt is invalid and they know it. NCS has violated federal law on every level and I hereby demand the debt be removed immediately.
|
| 08/13/2019 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft fraud ect. i disputed with all 3 major credit companies XXXX and XXXX removed it over a period of time and years of disputes XXXX wont take it off.I contacted XXXX and the collection agency in question XXXX said they would send me out a fraud pack 3 weeks ago it never came all i got was a paper stating what i owe the collection agency ive been calling them and even paid them {$99.00} to help remove these items from my credit nothing happened they said i would see results in 3weeks but nothing happened. I received a payment failure notice for another {$99.00} from XXXX but refuse to pay them because it seems im paying for nothing
|
| 08/11/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
National Credit Systems has failed to send proper documentation to me regarding my request to validate this debt. It became increasingly clear the company is being willfully negligent in rectifying my affairs. Over the past few months, Ive made multiple attempts to have this debt reasonably investigated in accordance to federal law. There were no supporting documents and probable evidence sent to me to validate the debt. I am demanding that the above mentioned debt be removed from my credit account. Attached are supporting documents proving my attempt to dispute this debt multiple times and the laws that apply to this particular negligence on the companys behalf.
|
| 08/11/2023 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
National Credit Systems has failed to send proper documentation to me regarding my request to validate this debt. It became increasingly clear the company is being willfully negligent in rectifying my affairs. Over the past few months, Ive made multiple attempts to have this debt reasonably investigated in accordance to federal law. There were no supporting documents and probable evidence sent to me to validate the debt. I am demanding that the above mentioned debt be removed from my credit account. Attached are supporting documents proving my attempt to dispute this debt multiple times and the laws that apply to this particular negligence on the companys behalf.
|
| 05/31/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
|
|
I have a dispute with XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, NC XXXX for early termination fees date being XXXXXXXX XXXX I had security deposit insurance through XXXX. XXXX was suggested and promoted to me by XXXX XXXX XXXX apartments. XXXX XXXX XXXX XXXX reported the account to National Credit Systems , Inc in XXXX XXXX without filing a claim with XXXX. The policy with XXXX was still active. I've tried thru phone calls and certified mail ( XXXX XXXX XXXX ) to get help with this dispute. XXXX XXXX XXXX has not responded to any of my attempts to resolve this issue. National Credit Systems hasn't helped either. Please any help is appreciated.
|
| 04/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Regardless of the multiple written requests, the unverified account listed below is still reporting on my credit report in violation of federal law. The XXXX, XXXX and XXXX Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with NATIONAL CREDIT SYSTEM, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Date Opened : XX/XX/2019 Balance : {$3300.00}
|
| 02/24/2022 |
Yes |
- Debt collection
- Credit card debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either No information given regarding account. Violates federal 15 USC 1692gf and 15 USC Section 1681 ( i ). The bureaus have it reporting different pricing and multiple inaccuracies. I never authorized or given permission for this to be reporting. its been 2 months and no information given. No medical release to collect on this debt either
|
| 11/10/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021, Certified Mail Package ending in XXXX was sent to NATIONAL CREDIT SYSTEMS regarding the account reported on my consumer credit report, for the amount of {$1800.00}. There has been no official rebuttal to my Affidavit of Truth, this company remains in violation of laws that govern US commerce. This company reported the account as closed on XX/XX/2021 to XXXX, updated the balance only, still inaccurately reporting this account on XX/XX/2021 to XXXX. The failure to comply with law pertaining to consumer credit has caused me and my dependents great harm. This account remains unverified and should be deleted immediately from all consumer credit reports.
|
| 09/22/2020 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX was trying to collect {$2100.00} for unpaid rent and damages and filed an eviction in XX/XX/XXXX. We went to court, which was in XX/XX/XXXX for the unpaid rent of {$730.00} and the court awarded them a total judgment of {$970.00}. Prior to court, XXXX XXXX sent a personal invoice for what they felt were total fees and tried to collect on damages, which there were none according to the judgment against me and XXXX XXXX collected on a Sure Deposit of {$2000.00} from XXXX XXXX XXXX XXXX and I believe this is the debt amount they sold to National Credit Systems which is incorrect. I have also attached the court document below showing the judgment owed.
|
| 03/12/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I gave proper notice in 2015 to notify my apartment complex of my moving out. I found out years later when I tried to rent another apartment that XXXX XXXX XXXX put me in collections for XXXX! Even though I gave them written notice 60 days in advance. So now im a single mom, trying to get my life together, and XXXX. My son and I got denied for an apartment and literally have no place to live. I am a hard working good person trying to make life better for my son. This is an unwarranted ridiculous, 5 year old debt which is the ONLY thing stopping me from renting an apartment. The property, XXXX XXXX has no record of my debt, Ive called several times just to verify.
|
| 03/09/2018 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
Collection Company ( National Credit Systems ) reached out to me regarding an old apartment complex debt that they say I owe allegedly. When I requested a copy of the original lease agreement, I was sent a fraudulent document and signatures. The lease agreement that was presented to me has a signature date of XX/XX/XXXX but according to the Financial account statement that was presented along with the fraudulent lease shows that I moved in on XX/XX/XXXX and that I moved out XX/XX/XXXX with a lease expiring on XX/XX/XXXX. This company has clearly violated my rights as a consumer by not being able to validate the alleged debt and by secondly falsifying information.
|
| 10/09/2023 |
Yes |
- Debt collection
- Rental debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
National Credit Systems Inc is reporting a incorrect collection to my XXXX credit report. I contacted both bureau and collection to confirm this wasn't my account. They investigated and reported it as verified but wouldn't furnish any of the requested documents to verify that validity of this account. When I contacted the agency, they couldn't divulge any info about the account due to my personal info not being what they have in their system. This is wrong and it is also a crime and they need to remove this item from my credit immediately. Ive never lived at this address or been to this address nor has this address ever been on my credit. This is not my account.
|
| 04/28/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
There is an account with National Credit Systems Inc for an apartment complex XXXX XXXX XXXX. that is indicating there was money owed due to not giving a written notice. This is not accurate because I did give a 45 day written notice to XXXX who actually worked in the office and he inspected the apt and told us what was needed to be cleaned to avoid any fines. Since we were on a month to month bases since the lease had expired only 30 days written notice was required yet we gave a 45 day notice. We also paid the final utilities so there should be no money owed. They are also sending showing 2 accounts one in the amount of {$1000.00} and the other over {$3300.00}
|
| 08/13/2017 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XXXX XXXX, 2017 I received a letter from National Credit System , Inc stating that the account with a balance of {$1300.00} is owed by me, I know of no such account and I owe no such amount. I 've tried to disputed the account with the collection agency to rectify this issue and they are still reporting this ridiculous information and damaging my credit on all 3 credit bureau. Apparently this is some sort of leasing agreement which I have no knowledge of or ever resided at. Along with that they sent me documents with a signature that is clearly not mine. This is not my dept and I will not be compelled and I refuse to send them any documents or identification.
|
| 03/15/2017 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
I would like the company to honor what I was told about a year ago XXXX,2016 I paid a debt and was specificity that as of XXXX 2016 it would be removed of my credit report here a year later! They are saying that it was only going to be placed on my credit report as settled. Even though i have reached out to them and explain what I was told I would like their phone records pulled because they refuse to honor what another employee as told me.
I feel like this is hendering the process to have to plea my case to others when they can not stand behind what was told to me! I have note of the date paid and what I was told. Thank you for your help in timely manner. XXXX
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This was a student Housing apartment in XXXX Arizona. I signed a lease, I left when I was supposed to. I think the Company who owns the apartment, mixed my room with somebody elses or possibly one of my many roommates that I had within my lease agreement. I never signed another lease. That wouldnt even make sense, why would I have another lease in my name when I was living at XXXX XXXX XXXX XXXX XXXX XXXX Arizona, which I can easily provide documentation for. This is beyond ridiculous, I thought this would have been off my report by now. I have tried to dispute with XXXX and they refuse to take it off my report and verify it valid every time. THIS IS NOT MINE!
|
| 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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
On XX/XX/XXXX I filed and submitted a FTC report to XXXX Credit Reporting Agency ( via certified mail - they received notice on the XX/XX/XXXX ) regarding creditor : National Credit Systems that appears on my credit report in which there's a balance of {$5800.00}. They have failed to adhere to the Fair Credit Report Act. By not removing this creditor. The initial dispute regarding this creditor began in XXXX of XXXX. This is my second complaint even with the CPFB. Please Help. This has been completely Unfair to me and my family.
P.S I have intention on filing legal proceedings against XXXX and National Credit Systems, pending the outcome of this complaint.
|
| 09/01/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
On XXXX, 2016 NATIONAL CREDIT SYSTEM added derogatory marks on my credit file, per XXXX, upon further research this account was transferred/sold and I am no longer responsible for these accounts. Debtor 's creditor did not verify this collection. Also, there was no written form of communication, contract or signature for the accused debt at all. A bill without a signature does not validate the debt and anyone can send a bill and say that it's mines. According to the FCRA, NATIONAL CREDIT SYSTEM has violated my rights as a consumer and i'm requesting legal action to remove these accounts immediately.
Account # XXXX Account # XXXX Account # XXXX Account # XXXX
|
| 03/14/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
The National Credit Systems contacted me about a month ago and suggested that I settle with the XXXX. I explained to the representative, that due to our medical bills and health issues I did not owe the complex {$2000.00}, XXXX XXXX explained that they were willing to settle for {$1500.00}. I explained to the representative that this was too much and that the complex should be paying me and my husband for the medical expenses that were accumulated while residing in that molded apartment. At the time I offered {$1000.00} to prevent my credit from being affected but this company would not help me. As a result, the National Credit Systems is destroying my credit.
|
| 07/25/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Older American |
|
In XXXX of XXXX I rented an apartment for {$2400.00} a month and I signed the lease the pandemic hit I lost my job but I kept trying to pay the rent once I got to XXXX of XXXX I was no longer able to pay {$2400.00} a month for rent I made an agreement with the realty company and the owners to pay only {$1200.00} due to my situation and the pandemic they agree now they're trying to collect the {$2400.00} per month for 6 months when I only owe them {$1200.00} as agreed for 5 months from XXXX of XXXX to XXXX of XXXX when I moved out making that only {$6200.00} I am willing to pay that off and make an arrangement but they refuse it this should be against the law
|
| 05/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
When my lease ended on XX/XX/20, XXXX at XXXX XXXX XXXX submitted {$1400.00} straight to collections ( National Credit System ). I did not receive any notice to dispute or pay directly to them via email, mail, or phone call since I had to move immediately. I would have paid XXXX at XXXX XXXX XXXX directly since they charged me for not making the rent until they found a replacement renter which I also knew nothing about. I ended up paying the {$1400.00} since I could not reach XXXX at XXXX XXXX XXXX and out of fear since this was the first time I've ever had anything submitted to collections ( without communication to me ) until it was too late and past due.
|
| 12/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was released from this lease agreement and my roommate XXXX XXXX was responsible for anything that occurred after I was removed. Please contact XXXX XXXX to verify info and see roommate release form that i signed releasing me of any liability related to this rental account/agreement. I even called the property this week to verify and they said it should not show up as my responsibility or account because I was released beforehand and that once I disputed it you would call them and they would verify that it isn't mine. Which means you did not reach out to them to verify accuracy and are negligently furnishing incorrect data to the credit reporting agencies.
|
| 10/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I received notice on my credit report which that I owe {$6900.00}. I informed them that I am exercising my right to discharge debt under 192 73-10. Also 18 usc 8 all debts are the obligation of the United States. Also by being a third party debt collector they are in violation of the FDCPA ( FAIR DEBT COLLECTION PRACTICE ACT ). Violations 806,807 ( 2 ), 808,807 ( 11 ) 809,812. It has become a burden and creating stress which is causing physical damages to my body. Also they in violation of 15 usc 1692 ( c ) a 15 usc 1692 ( b ) 2 b ( 5 ) 15 usc 1692 ( d ) 2 15 usc 1692 ( g ). This added stress creating hardship on me and my family. I was told I had no rights
|
| 04/01/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
This morning I realized that National Credit System changed their account open date on XXXX and XXXX. The original document said that it would be reported on XX/XX/2021 it showed up on my credit report on XXXX XXXX but now it says that it was opened XX/XX/2021. They will not acknowledge my documents sent to them that prove that this account is inaccurate and now are trying to make it make sense. They fraudulently evicted me on XX/XX/2021, and would not accept the check between the dates of XX/XX/XXXX and XX/XX/XXXX which was dated on the sheet they gave the National Credit System. NCS will not enforce the company to prove they are practicing unfair tactics.
|
| 01/15/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
They are trying to collect a debt from an old apartment. They are saying that the account was opened in XXXX, but I ended my lease in XXXX. The balance is supposedly XXXX but that is not possible. My monthly rent was only XXXX and the complex files for eviction after 30 days late. Lawyer fees for that complex is XXXX so there is no way possible that I owed that amount. Additionally the lease should have been terminated with no money owed because I ended the lease due to military orders. I have sent numerous letters to this agency asking for verification of the account to see how they are reporting this inaccurate information and they will not respond to me.
|
| 05/02/2019 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I disputed this collection through the CRAs many times, and each time it was verified. I mailed a debt validation letter directly to National Credit Systems on XX/XX/XXXX. No response. I mailed a similar letter to the property manager on XX/XX/XXXX. No response.
I was forced to leave apartment due to ownership change and new rules about pets immediately, with no warning. I am asking for a complete breakdown of the {$2700.00} charges.I have no idea what these charges could be for? I left the apartment in cleaner and in better condition than when I moved in.
The only response I have received was a settlement offer from NCS on XX/XX/XXXX, so NCS can find me.
|
| 05/31/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit Systems has a debt collection with an open balance of {$2300.00} by original creditor XXXX XXXX on my XXXX credit report opened XX/XX/2022 I have never rented from XXXX XXXX nor have I been a cosigner for anyone ever. I have been renting my current home through a private landlord for the last 4 years and after further investigation it appears that XXXX XXXX is an entirely fraudulent company that operates out of the Philippines according to their facebook page, I believe that if they have any information substantiating this debt it is fraudulent and the fact that they rejected my credit dispute with XXXX makes them complicit in this fraud.
|
| 11/07/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Collection account from NATLCRSYS with account # XXXX and a balance of {$4400.00}. The original creditor is XXXX XXXX XXXX XXXX.
I have not given permission to access my credit profile, and you have no permissible purpose to furnish my personal information to any third party.
15USC 1681B- PERMISSIBLE PURPOSE OF CONSUMER REPORT 1. In General subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ( 2 ) in accordance with the written instructions of the consumer to whom it relates.
As a consumer, I am demanding a deletion of the following account NATLCRSYS Sincerely, XXXX XXXX
|
| 06/13/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX has sent an account for us to collections with National Credit systems. The charges are erroneous and excessive. We have seen numerous changes to the amounts. From {$27000.00}, to XXXX and lastly XXXX. None of these number are correct. We requested a validation of the debt. On XX/XX/2021 a return signature for a letter requesting validation was signed by National Credit systems. It was not returned within 30 days as per the Fair Credit Reporting laws and Debt collection practices. We were not provided timely documentation. Thus, this entry is illegal and was removed from XXXX and XXXX reports. XXXX had yet to remove this fraudulent account.
|
| 06/09/2021 |
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
- Problem with personal statement of dispute
|
|
Web |
|
|
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation isrequested. I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. Are you the owner of the original debt?
|
| 03/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I am deciding to reach out to CFPB because I have made my payments owed to National Credit Systems in balance totaling {$3000.00}. This company has a record of collecting money from their customers and not reporting that it was paid for to credit agencies. In this case, they have still not reported a closed account to XXXX XXXX XXXX for me. This has not just happened to me but many people also seeking for account details to be updated properly ; some seeking lawsuits against National Credit Systems, I would like to report this agency for fraudulently advising me to pay this debt in full but with no intentions of actually removing it from my credit report.
|
| 01/09/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
In XXXX/XX/XX/2019, not sure of the exact date. I called and spoke to the law office that was assigned by National Credit Systems for a XXXX XXXX account. When i called in the representative for the law office provided account details and tried to collect on this debt before they provided the mini miranda which is required by law. It wasnt until i mentioned this about 5 mins into the call where they tried to recite it. They stated many times " Good Luck with your housing '' knowing this was on my credit .... Due to the Violation of the FDCPA by not reciting the Mini Miranda. They need to close and remove this account from all three of the credit bureaus.
|
| 04/28/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
First contact with National Credit Systems : This debt appeared on my credit report however, the company could not verify what the debt is for and did not send a validation of debt when requested. Never received notice of this debt before it was reported to credit. Second contact with National credit systems : they provided me with an attorney 's contact information who stated if the debt was not paid there would be a possible lawsuit against me. I asked them what the debt was for abs they could not verify the debt or explain what it was for. They said they would send something in the mail. I never received the validation of debt from the attorney.
|
| 12/07/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I signed as a guarantor on a lease for my son XXXX XXXX on XXXX XXXX XXXX on a 1 year lease. On XXXX XXXX, XXXX my son signed a new lease on his own, which is the last lease. He signed XXXX prior to that. Once he signed a new lease on his own, I was no longer responsible. This was sent to collection, National Credit systems and they are now saying I owe them. In XXXX XXXX, I commenced to dispute this account and the dispute ended on XXXX XXXX, XXXX, they are still reporting this account as being in dispute and XXXX XXXX XXXX XXXX XXXX is verifying falsely that this account is still in dispute to prolong and stop me from moving forward in closing a loan.
|
| 07/23/2021 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have disputed this collection account repeatedly because I am not sure why it shows I owe the apartment complex. I have requested a debt validation letter. I have tried looking the debt up online and have been unsuccessful in even finding anything on this debt. I never received a letter or anything about it prior to it showing on all 3 of my credit reports and still have not received anything. The collection agency keeps removing and adding account back on to my credit report to purposely hurt my credit. I think its unfair that they have never sent me any documentation or information regarding this debt in order for me to validate and try to resolve.
|
| 08/28/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was renting an apartment with XXXX apartments in 2015 and had a overdue balance of {$1200.00}. Due to the manager not accepting my full payment to clear the balance, my account was sold to an collection agency for a much higher amount then what i originally owed. From this company 's sending me to collection, this has damaged my credit score and has hurt me tremendously financially. The outcome I would like from this is to have this account removed from my credit. When I've offered to pay the original amount with the collection agency, they did not accept my payment to satisfy my account. instead they put it on my credit with a balance of {$2000.00}.
|
| 09/13/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
Debt was first published in XX/XX/XXXX. Found out in XX/XX/XXXX because almost lost my clearance at work. Talked with representative in XX/XX/XXXX about why I did n't pay debt because apartment was mold infested and I have the pictures to prove it and was debating on weather I was gon na to sue. The rep stated he wanted to see them and he would send me the material to send them in. I never heard from him again and the debt was taken off my report. So I decided to forget it.
Now it is back on my credit report again four years later, with no prior written notice. When I called National credit Systems, I was told it probably just fell thru the cracks.
|
| 04/14/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Right to dispute notice not received
|
|
Web |
|
|
Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor attempt at collections? I would like this issue addressed.
|
| 03/25/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have attempted to work with the company but have had no resolution. I have asked for official documents from the company such as a lease, copy of the license and social security card that the apartment complex took upon moving in the tenant due to the fact my information was used and I never lived at the apartment complex that the collection agency is representing. I have filed a police report with the XXXX police department and I have also reported to the credit bureaus but there's been no resolution. I am requesting if the agency can't provide a valid lease agreement, copy of the license, and social that was used that this be removed immediately.
|
| 04/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
It appears national credit systems reassigned and re aged this account, no verification or investigation to ensure maximum accuracy before reporting. I called several times after XXXX refused to investigate thoroughly because i told them I do not permit the use of XXXX XXXX when disputing this account. I spoke to XXXX at national credit systems, kept me on hold for 40 minutes, very rude and threatened to send me to a supervisor because I asked to update the address on the account in order to recieve the information used to verify this account, XXXX refused to give such information and demanded I call XXXX. Also XXXX refused update my personal info.
|
| 01/15/2021 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I applied for a credit card and found out that there is a trade line on my credit report for NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX. This is not my account. I have never had an apartment with XXXX XXXX. I reached out to the creditor and the collection company. I found out that not only do they have incorrect information, they also have the wrong SSN # on the signed contract. I have sent them over a copy of my correct SSN, a copy of the police report, a copy of my lease of the place I was living at the time of this crime, a copy of my ID and multiple letters advising them that this is not my account and I am a victim of ID theft.
|
| 08/06/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I was alerted by XXXX, XXXX and XXXX that the collection agency by the name of National Credit systems added a file to my XXXX XXXX in the amount of {$1100.00}. Since then I have disputed this account with XXXX, XXXX, XXXX, and National Credit system. I have requested Debt Validation on XX/XX/2019, XX/XX/2019, and most recently on XX/XX/2019. On XX/XX/2019 I requested a copy of a signed leased to prove debt validation through the XXXX XXXX XXXX, but received a statement of deposit with a hand written note saying I was evicted. National Credit Systems continues to report false information on my credit report and has caused my XXXX XXXX to diminish.
|
| 06/17/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I called National credit system at XXXX XX/XX/2019 the fake fraudulent lady claimed I owed XXXX XXXX XXXX. I dont owe anyone anything this fraud by wanted fugitives in retaliation for me reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all for multiple XXXX and poisoning to the New York State Attorney General. National credit system is allegedly at XXXX. XXXX XXXX XXXX, GA XXXX sound some XXXX old trying scam people. She got all information wrong Im suing Where lived over braking in my apartment. National credit system requested my lawyer and I could be sued over this alleged debt. Thank you XXXX XXXX XXXX
|
| 02/12/2019 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
Hello, My name is XXXX XXXX, and I have tried numerous times for this fraudulent account to be removed off of my credit. I sent in packets with my police report asking for information in reference to this account and I haven't yet to received anything back. I have reached out the agency who stated I have there debt as well but I have not received any information back. This account is on my XXXX credit report and is stopping me from purchasing my home. Please help and assist in removing this fraud collection account on my credit report.
Account Company : National Credit Systems Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Thanks, XXXX
|
| 04/03/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
i got a letter from National credit system from XXXX GA, saying i owe XXXX ive know nothing about this i was never told why i owe this. i file a dispute with XXXX XXXX. they took care of it saying it was a fraud or in inaccurate so it was erased off my credit report. but now its on XXXX and they want take it off .im not sure if it on XXXX. i dont know why they put it on my credit report. we never been to court. i file bankruptcy in XXXX and all of the sudden this account pops up in XXXX my rent was paid i didnt break my lease and ive gave them 30 days notice that i would not be renewing my lease. because the apartment was flooded every time it rain
|
| 08/10/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Please see below from my previous landlord : XXXX XXXX XXXX XXXX XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, OH XXXX XX/XX/XXXX To Whom it May Concern : RE : XXXX XXXX XXXX XXXX XXXX XXXX Please be advised there is a debt collection on the above referenced persons/tenant by National Credit System through XXXX XXXX XXXX opened on XX/XX/XXXX and reported on XX/XX/XXXX. This collection is due to a software system glitch and should not have been placed. The XXXX XXXX is in the process of getting this collection removed from all the reporting agencies.
Please disregard this debt collection.
Thank you, XXXX XXXX XXXX XXXX XXXX XXXX
|
| 03/17/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
On XX/XX/2021 the Company had predatoary charges on cleaning and unknown and unstated and unfair amounts.
The quality of these items are not ment to withstand a 12 month lease. The initial amount {$480.00} - {$110.00} for an additional day of moving out. Therefore leaving a disputed frivolous amount of {$360.00}. The apartment management refused to recognize the additional frivolous charges with a detailed answer on the charges and instead sent a final request for {$280.00} due within so many days before it was sent to collections. Without any additional documation on what frivolous charges had been removed from the original amount of {$360.00}.
|
| 07/06/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
National Credit Systems a collection company put a collection on my credit report. Disputed this because I was never made aware of debt by phone or mail. I called and spoke with someone in XXXX at the company and they told me they were no longer liable for the collection and it had been purchased by a lawyers office, I was told that the collection would be removed because they were longer liable. Collection is still listed on all my reports. I have since contacted the lawyers office they agreed not to send to bureaus payment agreement was made once they verified that all the information they reiceved fro m National Credit Systems was in valid.
|
| 10/08/2021 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have been disputing this account for some time now with National Credit Systems. I sent an initial dispute letter asking for verification of this account because I am not familiar with this account. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. My letter was delivered on XX/XX/XXXX, and here is the tracking number XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. I am sure there is a law that proves it.
|
| 12/10/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
On XX/XX/2020, national credit systems received my request of dispute in their office at XXXX XXXX, per USPS tracking system, by certified number XXXX. To this very day they have ignored my request by not validating their claims of the money allegedly owed and the one month agreement they say I entered. I know that things are a bit slow becasue of the pandemic but they have passed the extra time to reply to me. Silence means they do not have adequate evidence to support their reporting and collection. Despite them not validating their claims, they continue to report the account to the credit reporting agencies amid collection and reporting laws.
|
| 11/20/2020 |
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
- Their investigation did not fix an error on your report
|
|
Web |
|
|
I recently challenged the validity of NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX ) - XXXX ( Collection ) account, XXXXXX/XX/XXXX, XXXX XXXX Original Creditor : XXXX ) - XXXX ( Collection ) account and XX/XX/XXXXXXXX XXXX Original Creditor : XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX - XXXX ( Collection ) account that are being reported on my most recent credit report. Upon challenging this, XX/XX/XXXX ( credit bureau ) deleted the accounts based on the lack of ability to properly verify all reported information being accurate. I noticed as A result of challenging these accounts with your company you have verified this same account.
|
| 12/14/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Listed as a fraud victim in XX/XX/XXXX due to in accurate unauthorized items on my credit report.
I have disputed previously but still shows on my report.
NATIONAL CREDIT SYSTEMS XXXX XXXX XXXX XXXX
XXXX, GA XXXX(XXXX) XXXX
Placed for collection:XX/XX/XXXXResponsibility:Individual AccountAccount Type:Open Account
Loan Type: COLLECTION AGENCY/ATTORNEY
Balance: $XXXXDate Updated:XX/XX/XXXXOriginal Amount:$XXXX
Original Creditor: XXXX XXXX XXXX XXXX (Rental/Leasing)
Past Due: >$XXXX< Pay Status:>In Collection<
Remarks:
ACCT INFO DISPUTED BY CONSUMR; >PLACED FOR COLLECTION<
Estimated month and year that this item will be removed:
XX/XX/XXXX
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| 09/24/2023 |
Yes |
- Debt collection
- Rental debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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The collection agency is attempting to collect {$6900.00}. I have request from the collection agency full account of all charges and payments made on the rental account from the start of the initial lease until move out. I also requested the collection agency to provide documentation that the leasing office at the apartment complex had me signed on the day that they returned the money orders to me for rent that totaled {$3200.00}. The money was returned to me on XX/XX/2021 when I moved out even though the leasing office claimed I owed rent. Then why would they return the money and now the collection company is trying to get me to pay {$6900.00}
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| 01/02/2023 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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Me and the apartment complex I lived in while in college had a disagreement about me having a XXXX XXXX XXXX XXXXold to me by XXXX XXXXXXXX XXXX department. It was serious enough that they gave them XXXX days to fix it. Since then I started to be XXXX. The place never kept a XXXX while I was a tenant. Most correspondence was through emails which I still have from XXXX 2018.
XXXX XXXX came in when my lease was up and went about things the wrong way of cleaning up the complex. Tried to track on extra fees and charged almost a month after I moved out. I disagreed from the beginning and was threatened with balance bring place in credit report.
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| 04/11/2021 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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Today I went to check my credit score on mint and my score dropped from XXXX, to XXXX. Some company called NATIONAL CREDIT SYSTEMS. According to my credit report that I pulled from XXXX they say I owe {$300.00} to a company called XXXX XXXX.
I've never heard of either of these two companies before. No one ever contacted me about this debt, they just slapped this on the report. I think it's probably fraud. I tried to call both of them but neither would pick up because it's a Saturday.
I had a perfect credit score before today and I've never made a late payment on anything. Now my perfect credit score is ruined, by what appears to be fraud.
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| 06/08/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have disputed this online with them. Called them to dispute over the phone. They would not or could not give me specific information or how it relates to me. I requested the paper invoices and contracts as this Creditor looks be be a XXXX XXXX XXXX XXXX. I was fully in my own HOUSE and definitely do not qualify for low income or subsidized housing. On XX/XX/XXXX or XX/XX/XXXX XXXX They advised they would send out the information to verify or fill a identify theft report. I received the Identity theft form Requesting my signature and address and SSN but no other paperwork with specific details regarding the debt itself which seem fishy to me.
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| 05/16/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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Fraudulent address and two files for debt collection were reported on my XXXX credit report. Investigation has been filed with XXXX as of XX/XX/XXXX.
Fraudulent address as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX.
Fraudulent Collection 1 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX XXXX XXXX, reported amount owed {$11000.00}, account # XXXX opened on XX/XX/XXXX.
Fraudulent Collection 2 as follows : NATIONAL CREDIT SYSTEM, Original creditor : XXXX XXXX XXXX, reported amount owed {$6500.00}, account # XXXX.
National credit system contact info : XXXX XXXX XXXX XXXX XXXX, GA XXXX. Phone number ( XXXX ) XXXX
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| 03/04/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
Servicemember |
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I have repeatedly been contacted and verbally harassed by impact receivables in regards to an account that my husband paid off. The collection agency XXXX XXXX was paid by my husband and a new collection agency has repeatedly contacted me after I filed a dispute with XXXX XXXX and told the collection agency that this debt was paid. The representative that talked to me in a disparaging manner was named XXXX XXXX. We sent information to her place of employment National Credit Systems that XXXX XXXX was paid the debt that was owed to XXXX XXXX. I would like for Ms. XXXX to be reprimanded for her grotesque behavior when handling this case for me.
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| 02/24/2020 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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XX/XX/XXXX phone call about debt from National Credit Systems in XXXX Georgia.
XX/XX/XXXX returned phone call Advised that they had mailed paperwork to vacant apartment EVEN THOUGH the original ceditor was advised of the address several times by email.
Nationals credit services ( Ms. XXXX ) advised that this would be reported to the credit bureaus no matter what and that yes, they had mailed it to the vacant apartment, and nothing was mailed to the co defendant ever.
There is no judgment.
The debt is inflated no inspection report was ever filed Shifty and vague about explaining to me how to dipsute, since they never provided me notice.
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| 04/30/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2012 a debt was placed with National Credit Systems Inc for a lease with XXXX XXXX apartments. It is a joint account with myself and one other person ( XXXX XXXX ). This is not our debt we never had a lease with the XXXX XXXX. XXXX XXXX has written a formal letter stating we do not owe this debt and the collection still refuses to remove the debt from our credit reports. I have copies of letters, certified mail receipts, and email correspondence proving efforts attempted to resolve this matter. For over 6 years this incorrect information has been on our credit reports preventing us from getting a place to live and ruining our credit,
|
| 02/13/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
Older American |
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Received call approx XXXX telling me we owed XXXX to XXXX XXXX, an apartment we rented back in XXXX gent told me we had until XXXX to satisfy debt, or they would report to credit bureau XXXX I received an alert from credit bureau, and it turns out they had aready reported to them. I still have not received any validation of the debt. Now, of course my current lease is up in XXXX, and with this on my credit report, I will not be able to get an apartment..I have bank statements for the last XXXX years showing all my bills paid ( XXXX XXXX ), and there is no way this charge is valid, and now that apartment building has been sold to new owners.
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| 01/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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On XX/XX/2018 the residence at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IN XXXX, managed by the XXXX XXXX XXXX XXXX was leased and rented in my name without my knowledge. At the current time, I was a resident of XXXX XXXX XXXXXXXX and had been living solely in XXXX for all of my life, even residing in a XXXX XXXX in XXXX XXXX, XXXX XXXX for two and a half years. There is no possibility that I could have leased this apartment and thus lived in the apartment either. I am currently being held liable for {$8400.00} worth of debt that is not mine. There are also many inconsistencies in the leasing agreement and ledger balance that pose an issue.
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| 08/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems is trying to collect a debt not owed and dismissed in court a Magistrate Court Judge after XXXX XXXX XXXX stated in court they did not want money to prevent me from expose them for having mold issues in the apartment where I lived with my daughters. My younger daughter had consecutive pneumonias due to the mold. Reporting this as a debt is against the Fair Credit Reporting since I do not owe money to XXXX XXXX XXXX. The writ of possession and money dues were dismissed in court after they expressed they did not want money. XXXX XXXX XXXX is being fraudulent and a police report that will be attached has been filed.
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| 07/02/2015 |
Yes |
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- Incorrect information on credit report
- Account status
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Web |
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This account was turned over to XXXX in ( I believe XXXX XXXX XXXX. There has been no activity XXXX NONE XXXX yet every few months they keep " updating '' my report ( they did this in XXXX XXXX, XXXX XXXX, XXXX XXXX & again in XXXX XXXX ). Even though this account has no activity & is set to come off of my report next year, every few months it appears as " new '' again. I received an " alert '' from XXXX last week that a new derogatory account had been added to my report. It 's the same account that 's been on here since XXXX. Even though it 's an old account, it caused my score to drop XXXX XXXX XXXX dropped my credit limit as a result XXXX
|
| 11/14/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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This is my second dispute notice and as I was going over my credit report once again I noticed some accounts that do not belong to me. The accounts need to be deleted from my credit report immediately. Other accounts have been transferred to other offices and are now showing up twice on my credit report. This affecting my ability to buy a home. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair credit reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The Following Account listed below : -XXXX XXXX XXXX # XXXX -NATIONAL CREDIT ADJUSTERS, L.L.C # XXXX -NATIONAL CREDIT SYSTEMS # XXXX
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| 09/11/2020 |
Yes |
- Debt collection
- Mortgage debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
Servicemember |
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I am us, XXXX veteran, I wanted to buy a home and I started by checking my credit report, I noticed that the estate at XXXX XXXX apartment has placed my record under collection with 3 credit agencies. I tried to reach out to them to review the matter but I was turned down so many times. I was told I have to make payment for past dues on the rents with utilities. I sent all payments invoices to them to review the payments still I was turned down again and again. The negative report on my credit report has affected my ability to gain a favorable decision with loan lenders, I am asking your office to intervene and review this matter carefully.
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| 06/17/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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I terminated my lease with XXXX XXXX XXXX in XX/XX/XXXX. I gave notice of the termination in XX/XX/XXXX. I did everything I needed to do to terminate my lease. I gave a notice and signed a termination of lease document. I went to XXXX XXXX XXXX on XX/XX/XXXX to get a copy of the termination of lease document, to send to the credit bureaus. However, I wasnt able to get a copy of the document because I was told by the regional manager that he couldnt find my file and I would have to wait till further notice. I have documents proving that I paid the final two months that I was at the XXXX XXXX XXXX and the final statement for the light bill.
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| 04/23/2019 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I called my former apartment complex and was informed that they switched management companies and didnt have anything on file for me. I was advised to call the former management. I called XXXX and was told that they didnt have any information on file either. I moved out of XXXX XXXX apartments on or around XX/XX/2016. I paid the balance owed in full which was {$200.00} and did a full walkthrough with the then XXXX XXXX and was given a clean bill. When speaking with the collection agency, national credit systems, they said the balance is due to unpaid rent and damages, of which there are none. No one is able to provide proof of this as well.
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| 08/08/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Impersonated attorney, law enforcement, or government official
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|
Web |
Servicemember |
|
XXXX XXXX XXXX added debts to several previous tenenats and then immediately sold them to debt collector right before closing their entire company. I didnt find out for several months until it was on collections on my credit. The new property management company doesnt have information because XXXX never transfered their information to the new company. The debt collection agency had a person claiming to be an attorney not with the collection agency telling me that the property bought back the debt and hired him. This is untrue since he is an employee of the collection agency. I proved i do not owe this debt however there is no end in sight.
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| 01/20/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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After viewing my credit profile I seen an discrepancy with National Credit Systems Validation was requested XX/XX/2022 and XX/XX/2022 and the account continue to reflect on my credit report. They have failed to validate after multiple attempts have been made to them via myself, XXXX, and XXXX. I do not believe this account belongs to me nor do I believe the creditor has authorization to attempt to collect on the account. The account continues to negatively affect me. Please strike and remove this from all 3 credit bureaus until adequate validation has been received, proving that the account belongs to me and all the information is correct.
|
| 09/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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|
Web |
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1. Never received communication of any kind from original creditor.
2. Never received a tear off dispute portion of any letter sent from collection agency to return via mail.
3. Never received notice of my rights to obtain documentation and verification of alleged debt nor my options if I disagree with the debt.
4. Never received a verification notice 5. Never received information of how this debt occurred nor what the debt consisted of.
6. This debt was part of a XXXX XXXX. No contact information provided of original creditor.
8. This agency reported this invalid debt to national credit reporting agency 's and have threatened to sue.
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| 11/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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I was a victim of identity theft as a result an account was placed in collections for a company called XXXX XXXX XXXX XXXX. I filed a police report years back when I learned of the account. However a company by the name of XXXX XXXX XXXX appears on my credit in this regard.I have sent several letters to the company and they have gone unanswered and the fraudulent data still remains on my credit.I have sent letters to the location in XXXX, Arizona. I will be reaching out to the attorney general office and the FTC today. I want the account removed from my credit and their database.They never contacted me before placing the debt on my credit.
|
| 02/16/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt was paid
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|
Web |
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I rented a apartment from XXXX which required the tenants to use their power & water XXXX XXXX. The original lease agreement states that all bills to XXXX must be satisfied in order to close out the lease for the apartment. I closed out all my bills and did a final walk thru with no worries. Several months later I received a call from National Credit Systems INC saying I owed XXXX XXXX. This is a total scam. My balances have been closed out but these crooks keep trying to say I owe money. I have been dealing with this for years. these people are crooks and are tied into the scam with the apartment complex which does n't even exist anymore.
|
| 02/14/2023 |
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
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|
Web |
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National credit systems is inaccurately reporting a collection amount on my report to all 3 credit bureaus. I moved out of an apartment in 2020 due to the loss of my job due to XXXX I was told by the apartment complex that I can pay or quit and if I move out I can pay the lease termination fee. I moved out and provided my forwarding address to make payments. I was never sent any information to make a payment and when ever I called the office to pay, they told me they couldn't speak with me and I would get something in the mail. I never received anything and they reported the payment due on report without any notice or attempt to collect.
|
| 03/14/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
The collector is National Credit Systems and they are reporting negative information that should have been discharged in bankruptcy and it is adversely affecting my credit score in being able to secure a mortgage for a house this year and I think that they need to delete this information immediately or I will get my bankruptcy lawyer to seek punitive damages in a defamation lawsuit because of the negative information being reported inaccurately to XXXX Credit Bureau. There is a right of stay for a reason and they have broken the right of stay and I will seek legal damages if they do not correct it and DELETE THIS INFORMATION IMMEDIATELY.
|
| 10/12/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was paid
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|
Web |
|
|
We signed a lease with an apartment company XXXX XXXX in XXXX LA. They made us buy rental insurance in lieu of deposit and stated any damage would be charged to policy. We fulfilled our lease and gave 30 day notice. THERE was no damage to the apartment when we moved out. I have copies of 30 vacate notice letter. They turned over a claim to debt collection place. National Credit Systems., XXXX XXXX GA They have placed this debt on my credit report. I have never heard a word about this until now. I would think they defrauded the insurance company also. This is tantamount to extoration. I work very hard to keep good credit and pay my bills.
|
| 10/19/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I contacted the original creditor of the alleged debt for the account NATIONAL CREDIT SYSTEM XXXX and asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are reporting misleading false accounts. National Credit System is in violation of 15 U.S.C. 1692g. They were to notify me of this in writing 5 days prior I was not. As the original creditor only, I can validate this debt. I do not validate this debt. Remove this account from my credit report immediately. FDCPA and FCRA violations have up to {$1000.00} fee per violation.
|
| 07/14/2023 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Indicated you were committing crime by not paying debt
|
|
Web |
|
|
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!
By law Delete all incorrect information and accounts listed in the document below from my consumer report immediately as it is hindering me and should not be reported on to my consumer report and violates several laws under the FCRA and FDCPA.
|
| 05/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
On behalf of XXXX XXXX XXXX, this company has been harassing me for the last two years, claiming that I owe them money that I do not. They are stating that the money is due to a broken lease and eviction charges. My lease was monthly and nothing was broken. I gave the apartment complex 60 days notice, the woman who I gave it to took my letter and I dont know what she did with it. They never sent me any eviction notices, and if they did I had already left the apartment. They kept my security deposit which I believe I am still owed by them. This is very negatively impacting my credit score and now I am unable to buy or rent another home.
|
| 10/12/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have a Collections account on my credit report from National Credit Systems in regards to XXXX XXXX. I 've satisfied this account in full on XXXX XXXX, 2016. I was informed by National Credit Systems that my account will update on my credit reports on XXXX XXXX, 2016, I called to see why it has n't updated after XXXX XXXX and they said that it will update on XXXX XXXX, 2016. Today is XXXX XXXX, 2016 and I spoke with National Credit Systems and she said that they requested for it to be updated. XXXX informed me that it has not been updated since XXXX XXXX, 2016. National Credit Systems continuously lied to me about updating my balance.
|
| 06/23/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
|
|
Web |
|
|
This particular debt was reported on my credit report as collections there was no attempt to contact me.
According to Indiana law, I.C. 32-31-3-12 the company is legally obligated to send a letter to the renter stating all itemized damages claimed by a landlord along with the security deposit not more then forty-five ( XXXX ) days after the termination of the rental relationship to the forwarding address provided by the tenant.
That forty-five day grace period has exceeded and I have not yet received any notification. Therefore the company claim is false. I would like this item to be removed from my credit report as soon as possible.
|
| 12/20/2018 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
|
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I have reached out to the XXXX XXXX XXXX XXXX on XX/XX/2018 to arrange the payment I owed them for the apartment complexes. I paid them full amount, I spoke to the manager on that location on XX/XX/2018 to be able to send me a deletion letter meanwhile it was taken off my credit. She told me to call the National Credit systems to get that form. I called them and they only sent me a settlement letter, I asked for the deletion letter and they said they wouldnt do it for me after I told them that the XXXX XXXX XXXX XXXX apartments manager told me that they would be able to send it to me they still refused to do so after they agreed to.
|
| 04/13/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
Servicemember |
|
My old apartments claimed I owe more than they sould have when I moved out and sent me to collections for the false debt because I refused to set up payments for the wrong amount. After several months the aparments corrected their error, did not offer to set up payments and left me in collections.
The collection agency posted the false amount on all XXXX credit major credit reporting agencies. The collection agent has all the documentation which clearly states what could and couldnt be charged but still reported the wrong amount. I called and could not get them to correct the issue and was even told to " Learn how to read my lease ''.
|
| 05/02/2022 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received information from a apartment company I was trying to rent from stating that I had an unpaid debt on my record, i checked my report and it shows as National credit systems is trying to collect on an unowed debt. I've tried contacting the company and they refuse to remove it even though the state is showing that I don't owe anything. They have bough this debt off of another company who is reporting fraudulent information and has no liens or judgment 's awarded to them. I have requested validation of this debt 4 times and they can not show validation and have even stated that they don't have to show or prove the debt is valid.
|
| 10/28/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/2021 {$260.00} {$260.00} Ive disputed this collection multiple times, yet it has not been deleted as well as being on my report twice. National Credit Systems has furnished inaccurate information to the credit bureaus, and the credit bureaus have furnished inaccurate information to my consumer report without thorough investigation or my consent. This collection is on my report twice, and is in-fact incorrect. This was a joint account, the application fee & administrative fee were PAID, we were denied due to a background check, yet they are saying we owe something for moving out before a term was up when that never even occurred!
|
| 10/03/2021 |
No |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Older American, Servicemember |
|
I have had disputes with my landlord and their is a history of the landlord harassing me. This attempt at collection is another example of it. I have asked by phone and in writing for them to provide me a copy of the electric bill that they say I owe that shows usage and the dates the bill covers. They have failed to do so.
I have also requested a copy of the lease that I signed that shows what they are basing the termination charges on, and so far they have failed to do that.
They have reported this debt to the credit bureaues in an attempt to ruin my credit. I have been disputing this debt for two years by phone and in writing.
|
| 07/31/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I was notified by National Credit Systems ( NCR ) of a debt I fraudulently owed to the XXXX XXXX apartments in XXXX, TX in XX/XX/2021. I submitted a fraud claim within the month only to have the same debt notification sent again in XX/XX/2021. In addition, the same fraudulent individual used my information again at the XXXX XXXX Apartments. Both apartment complexes are within 10 miles of each other in XXXX. I have never lived in XXXX and have no idea how my information was compromised. I am shocked and disappointed that letters to NCS and the XXXX XXXX apartments have not stopped XXXX XXXX XXXX from fraudulently using my information.
|
| 02/15/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XXXX XXXX has leased an apartment in XXXX at XXXX XXXX located in XXXX XXXX, SC. I was an occupant of the property and not a leaser/guarantor for the lease. The company had an outstanding balance on the lease that was finally settled by the company in XXXX but the collection company National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX had placed this as a collection account on my credit negative effecting my credit. This derogatory account on my credit is stopping me from closing my home this week ( XX/XX/XXXX ) potentially jeopardizing my interest rate lock.
I have attached the letter from the landlord with zero balance.
|
| 11/08/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
I have a collection from National Credit Systems reporting on my XXXX and XXXX credit report. I have disputed this account on several occasions on the grounds that I have no knowledge of the debt and request a full debt validation on this account. I have requested over XXXX debt validations on this account in the last 8 months with no debt validation being received. This is XXXX separate violations through the FDCPA. The first violation being that they are continuing to report negative information on my credit report that is inaccurate and XXXX they are well over their 30 days allowed to send requested proof to myself as a consumer.
|
| 03/28/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A representative contacted me via telephone from National Credit Systems in XX/XX/2022. She stated that I owed XXXX XXXX at XXXX XXXX XXXX {$5300.00}. I responded to her that I never lived at the complex she spoke of and ended the call. I received letters for debt collection in both XX/XX/2022 and XX/XX/2022. In XX/XX/2022, I received a letter from the XXXX XXXX XXXX XXXX XXXX and I responded with a letter dated XX/XX/2022. In said letter, I asked for a copy of the original lease with my signature, payment history with itemized billing. I received another communication from the lawyers office with a itemized account statement only.
|
| 03/14/2023 |
No |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA.
I sent a certified letter on XX/XX/2023 ( see as attached ) and I have documentation it was received ( see attached document ), but as of XX/XX/2023 there has still not been any response.
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| 08/17/2016 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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In XXXX 2016, I was forced to move out of my apartment building located at the XXXX XXXX building. I was told to pay {$730.00} for the last month rent. I put my rent check made out to XXXX XXXX for {$730.00} into their deposit box. The check was then cashed for the full amount according to my bank statement. The collector or their agency continued to send me demands for payment. All the while the payment was already made previously. The reporting agency then sent out a negative credit report for negatively impacting my credit score falsely. I would like the XXXX to review their case and reverse this action against my credit rating.
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| 05/19/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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National Credit Systems of XXXX XXXX at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX at XXXX XXXX XXXX, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.
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| 12/17/2020 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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XX/XX/2020 {$1200.00} {$1900.00} {$2200.00} there is this company that keep changing names and keep reinserting on my credit by different names same company ... I feel like im being pressured harrased by this company and their giving me different amounts ... I even tried to reach out to the company to resolve this.. they gave me the run around and seem to be a rude company and also call me at XXXX at night ... This is really stressful the harassment especially calling me unknown at XXXX at night.. the name of the companies that are the same but have different names are XXXX XXXX XXXX XXXX and they other name is XXXX XXXX XXXX XXXX
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| 07/06/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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National Credit Systems has reported 2 collections to the credit agency for an apartment property that I have never heard or nor had an account with ( XXXX XXXX XXXX ).
One amount is {$990.00} and the other is {$450.00}. This debit collection agency has never mailed or contacted me because, they do not have my contact information as I have never lived in any apartment community called XXXX XXXX XXXX. Additional, they have no documentation from XXXX XXXX XXXX with my signature.
This is in direct violation on my civil rights to have a accurate credit report, this collection is illegal and by law needs to be removed immediately.
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| 04/16/2023 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have diputed this claim before. I have provided information to back my statements. I at no time recived : A explination of the claim, evidence or invoice explaining the claim amount, a right to cure. This fraudulent charge was added to my credit with no prior warning and 4 years later i still zero information besides the amount. The CFPB has looked into this, has sided with the creditor yet without giving me any explination. This is fraud plain and simple. I was charged 2 months rent after I moved out. I had no lease therfor no agreement to break which would be the only reason I would owe anything to these fruadulint scumbags.
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| 05/24/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
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| 10/27/2020 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Frequent or repeated calls
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Web |
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I believe it was in 2018, my husband and I were trying to apply for the low income units at the XXXX XXXX XXXX. We were not qualified for the low income because we were told our income was over the limit. We were treated with unprofessional behavior when we asked for our {$300.00} deposit since we were no longer getting the apartment. We paid a total of {$470.00}, {$170.00} for the application. We ended canceling the payment from our bank account because they refused to refund the {$300.00} deposit. The last time we spoke to a debt collector we told him we were willing to pay the {$170.00} and he did not the agree to our terms.
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| 09/12/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I am a XXXX citizen and I submitted my signed notice to not renew my lease via the apartment office 's dropbox on XX/XX/2019, which was within the required timeframe. XX/XX/2019 was XXXX XXXX and the apartment office was closed and it was not until XX/XX/2019 that the office staff returned to the apartment office. As a result, the apartment manager said my notice to not renew my lease was late and charged me a late fee which is a month 's rent. In addition, although the apartment manager had my email address plus phone number and knew my USPS mail was being forwarded to my new address, I was never contacted me about the issue.
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| 10/19/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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I have reached out to this company several times to formally and legally ask them to remove this inaccurate and illegal account from my credit report. However, after various formal certified mail FCRA disputes they continue to ignore my requests. This information does not belong to me and they have failed to show me how they officially validated this false account. I have recently filed a Federal Trade Commission complaint to enable them to resolve this issue immediately and I will begin federal civil court proceedings against National Credit Systems shortly.
NATIONAL CREDIT SYSTEM Amount : {$740.00} Date opened : XX/XX/2018.
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| 08/28/2017 |
Yes |
- Debt collection
- Other debt
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- Communication tactics
- Used obscene, profane, or other abusive language
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Web |
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On multiple occasions, I have attempted to contact NCS in order to resolve disputed charges. Every time I try to ask questions regarding the portion of the debt that I am disputing, the Collection Representative XXXX XXXX refuses to answer any questions about what documentation they will accept. He will then say that the conversation is over and hang up on me, or say I can talk to a supervisor and then hang up on me instead. This has happened every single time I have called them regarding my account. It is impossible to make any progress if they refuse to give me any information on what they will accept as proof of my claims.
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| 01/04/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
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Web |
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I am a victim of identity fraud and my information was misused to get several accounts including this one account with XXXX XXXX. I sent over numerous documentation stating that this is n't my account and they still are reporting this as my debt and they 've hired a collection agency to attempt to collect a debt that is n't mine. I have even told them to send over proof. They have sent over a contract from an attorney, that shows forged signature and will not put me in contact with the representative that witnessed this signature. This is n't my fraudulent account and this company still has n't tried to look into this matter.
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| 01/12/2023 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
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| 03/02/2018 |
No |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/XXXX, I sent a certified letters to National Credit Systems , Inc asking them for debt validation of the account as I never received any bills prior to the debt hitting my credit report. The alleged debt is a sum of {$2900.00}. I received a letter back on XX/XX/XXXX stating they had attached verification of the debt they obtained from the service provider. The document provided included two full pages asking for payment but no details of the alleged account. Under the FCRA 15 U.S.C. Section 1681i any unverified accounts must be deleted promptly, they where not able to provide me with the proof or validation of debt.
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| 05/31/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I was looking over my credit reports recently and noticed a debt from this company which seems to be a debt from some apartment complex. I never lived at that apartment listed as I have been living at my current address for over 2 years. I tske mt credit very seriously and I have filed an identity theft report with the FTC that I will include with this complaint. f this matter is not thoroughly investigated and this debt that that does not belong to me.I will not hesitate for to file an immediate lawsuit against this company and provide the proof to the courts that I have been living in my current address for about 2 years.
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| 06/19/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
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| 05/06/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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National Credit Systems of XXXX Georgia at XXXX is harassing me for {$2700.00} ( ref # XXXX ) for an unpaid lease at apartment XXXX Oregon, managed by XXXX XXXX dated XXXX/XXXX/XXXX. I never signed a co tenant lease with XXXX. I signed a tenant referral for a relative in XXXX for apartment XXXX for XXXX XXXX, which the lease was completed in XXXX. The relative moved to a larger apartment and signed a new lease which I was not needed as a reference. This was also a low income HUD building. A new management took over the building named XXXX that hired National Credit Systems to harass me due to ill standings with my relative.
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| 05/08/2016 |
Yes |
- Debt collection
- I do not know
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
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I have asked National Credit System to validate a collection they are reporting on my credit reports on XX/XX/XXXX, XX/XX/XXXX and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
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| 05/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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This my third attempt with this company National Credit Systems. Im reaching out again being that they are reporting inaccurate information on my credit report Be advised this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act ( FCRA ) ( 15 USC 1692g ) stating your claim is disputed and validation is requested.
This is NOT a request for " verification '' or proof of my my address, but a request for VALIDATION made to pursuant to the above- named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you.
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| 02/08/2022 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
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| 07/14/2021 |
Yes |
- Debt collection
- Credit card debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
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| 06/25/2020 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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National Credit Systems is reporting negatively to my credit report concerning a lease that is in dispute. The lease was disputed with National Credited systems on several occasions and one some occasions a representative of National Credit Systems hung up the call before a resolution or completion of the complaint national credit systems claims that lease provided says I should be charged for residence I was not living after completion of lease I told National Credit Systems that was not on my lease and information they provided was inaccurate only to be hung up on again and to have a collection show on my credit report
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| 01/27/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
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Web |
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Debt was placed on my credit report for rent that I do not owe. I moved out with rent paid in full for the last month at the address. I never received a notice for an outstanding balance before seeing it on my credit. Contacted the company who stated they would resolve the issue and still nothing has been done. There was no updated lease as my lease had expired months before ( XX/XX/XXXX ) and they never renewed so I moved out ( XX/XX/XXXX ) with my balance paid for XXXX My rent was never late and there was no balance when I turned in my key. I have contacted this company on multiple occasions they do not return calls.
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| 05/06/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
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|
Web |
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National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX Toll Free : XXXX. Email : XXXX XXXX XXXX XXXX On XX/XX/XXXX this collection agency fraudulently placed a collection account on my national credit file which negatively impacts my credit file and score.They are attempting to collect a debt that does not belong to me. i signed a roommate agreement in XXXX. I contacted the owner of the account, XXXX XXXX on XX/XX/XXXX, and spoke with leasing agent XXXX. She pulled my file and confirmed I was not listed on the lease and do not owe them any money. She also confirmed XXXX XXXX is solely responsible for this debt.
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| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Talked to a third-party about your debt
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Web |
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National credit syst ems ( company who called ) sp oke to a third party about my debt owed to a previous landlord. Call occurred Friday, XXXX XXXX , 2017 . Third party answered the phone, NCS asked for me, third party asked what the call was in reference to, and NCS stated the reason for the call was an attempt to collect a debt on behalf of [ landlord 's name ]. The third party asked for the company name again to tell me so I could report it and the girl from NCS scr ambled after hearing the plan to report it and said " well I thought you were saying that you were [ my name ] '' and ended up hanging up in a panic
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| 09/09/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I have recently relocated to Mississippi a couple months ago for a job and applied to get a home loan for my boys and I to buy a house. I was told that I had a negative mark on there from National Credit Systems for over {$7000.00}. I have never had a negative mark on my credit for anything. I am a single mom and have always protected my credit and finances. I talked to my attorney and he informed me that it is illegal to collect on a debt past the 3 year SOL in Mississippi. I tried disputing this account several times in the couple of months and have gotten nothing back from these people. I want this fraud charge off.
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| 04/01/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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This a collection with National Credit Systems for a debt that is not correct in amount. I disputed this amount with XXXX and XXXX in XX/XX/XXXX, and twice in XXXX of XXXX. I requested physical proof, not just invoices or being told the amount is owed, copies that {$4500.00} is owed. Hard evidence. Each time disputed, these bureaus are saying the debt is valid with no research. I cant get in touch with National Credit Systems through any method of communication. I have sent email messages as well. The company knows there is no hard evidence or proof of this debt so they are avoiding and keeping it on my credit report.
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| 08/21/2022 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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|
Web |
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XX/XX/XXXX collection opened under false pretense using identification to authorize a mortgage debt. XXXX XXXXXXXX XXXX apartments. A police was filed on XX/XX/XXXX for identity theft. authorized use of identification card. XXXX XXXXXXXX XXXX violated my personal identity u.s.c 1028.4 and 15 u.s.c 1681 obtaining a persons information to file a debt to file a consumer report as an estate or government agent for a financial advantage. This report was pulled under false pretense and needs to be removed and deleted from my account. This is not my debt. I did not validate this. My address is private this is not my record.
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| 06/13/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
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It has been drawn out into the open that you are not hindering records when I sent a copy of the FTC report. Since it is a necessity by regulation 605b of the FCRA I'm sending this Complaint to assist with laying out a lawful response. In the event that you decide to not obstruct the accompanying things recorded beneath which are answering erroneously because of fraud, I will hand my archives over to my lawyer to begin a legitimate activity. It's my goal to not seek after any legitimate activity so if it's not too much trouble, comply with the law.
NATIONAL CREDIT SYST XXXX Opened XXXX. XXXX, 2017 Balance {$3700.00}
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| 01/14/2022 |
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
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|
Web |
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Hi, I XXXX XXXX XXXX XXXX, am a consumer with protected consumer rights. After careful review of my consumer report and in comparison with the Federal Consumer Laws it is apparent that your company is violating my consumer rights.
If you look at the law 15 USC 1681a 2 ( A ) ( i ) it clearly states my consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. Furthermore, those transactions and experiences are excluded.
Your reporting of experiences and/or transactions on my consumer report is a direct violation according to congress.
|
| 03/21/2023 |
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
- Difficulty submitting a dispute or getting information about a dispute over the phone
|
|
Web |
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This company who I have never did business with have its customer service representatives call my phone daily and be very rude. I just moved successfully out of an apartment that now has sent my information to national credit systems. This company violates my consumer rights and I demand that they pay XXXX dollars to me for having XXXX XXXX XXXXXXXX ON MY CREDIT CAUSING A DENIAL. I WANT NATIONAL CREDIT SYSTEM TO TAKE ALL OF MY INFORMATION OUT OF THERE SYSTEM. I HAVE PICTURES AND NO LATE FEES AS PROOF. I WAS THREATENED BU A NATIONAL CREDIT SYSTEMS WORKER. SO I PAID XXXX dollars. This company need to go out of business
|
| 05/02/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National credit systems inc. Based out of XXXX Ga. Has stated, and put on my credit report that I owe XXXX for breaking a lease at XXXX XXXX XXXX XXXX XXXX apartments XXXX. The problem with that is ... I never lived there.. My son lived there.. He is a XXXX. I've tried to resolve this with National credit systems on several occasions. They know that they can not produce a contract signed by me with this apartment complex, so they keep dodging and side stepping, in hopes that I will pay them to go away. Here 's the kicker.. They were on my son 's credit report as well.. I don't know how they got my ssn. But they did.
|
| 06/20/2016 |
Yes |
- Debt collection
- I do not know
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
I have asked National Credit System to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
|
| 02/12/2016 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
Servicemember |
|
Received a debt collection notice for a name close to mine but incorrect middle name from National Credit Systems , Inc claiming that I have a {$500.00} debt. They are claiming that I would only have to pay {$250.00} to clear the debt. I believe this collection notice to totally be in error. I have never done business with the company that they list. When I XXXX this Collection Company I found that there are numerous complaints online against them, including being rude on the phone and having erroneous information. This is why instead of calling the company I would try to make things easier and file a complaint here.
|
| 12/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft, my credit reports XXXX, XXXX, and XXXX is showing a Fraud account from Nation Credit Systems Collection account with apartment XXXX XXXXXXXX. Someone rented an apartment under my name and now it's showing Delinquent collection account in the amount of {$4500.00}.
Please help me remove this off my credit report, and help save my name and credit. Thank you.
I found this on my credit report - Collections Account not mine Nation Credit Systems XXXX XXXX XXXXXXXX XXXX Account # XXXX Date Opened XX/XX/2022 Amount owed {$4500.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
|
| 09/30/2020 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
I reached out via certified mail on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to National Credit Systems and XXXX.
National Credit Systems placed a collection in the amount of {$5400.00} on my credit file in XXXX of XXXX. I received a letter from a private attorneys office in XXXX attempting to collect on the same account. After three attempts in reaching out to both XXXX and National Credit Systems, the account still remains on my credit report and I have still have not received any correspondence from National Credit Systems. The account has been removed from my credit report by XXXX and XXXX since XX/XX/XXXX.
|
| 10/19/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021 National Credit Systems , INC received my letter requesting documents such as validation of accounting and verification of my legal obligation to pay the alleged debt of {$1200.00}, of which they have posted on my consumer credit reports. The company has not responded to my request in 30 days with the documentation requested, which is a violation of the Fair Debt Collection Practices Act. This account is not mine and I have no legal obligation to pay the alleged debt. Due to the violation of the Fair Debt Collection Practices Act, this account must be deleted from each of my consumer credit reports.
|
| 07/14/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS COMPANY WHO I DISPUTED AN ACCOUNT WITH IN 2019 HAS SENT A DEBT TO A COLLECTION AGENCY AND PUT THIS DEBT ON MY XXXX AND XXXX REPORT. I HAD THIS ACCOUNT DISPUTED AND REMOVED FROM MY XXXX REPORT. IN 2019. THIS COMPANY HAS SENT A COPY OF A BOGUS CONTRACT WITH MY NAME ON IT AND STATING I LIVED THERE AND THE REASON I LEFT WAS I WAS BUYING A HOME AND IT SHOWS WHEN THE LEASE EXPIRES WHICH IS NOT TRUE. I HAVE TRIED TO REASON WITH THE COLLECTION COMPANY ON SHOWING ME A CONTRACT AND PROOF. THEY HAVE NOT PROVIDED VALID PROOF. THIS ACCOUNT NEEDS TO BE DELETED. I HAVE NEVER LIVED OR SIGNED ANY CONTRACTS WITH THIS COMPANY.
|
| 05/21/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Credit monitoring or identity theft protection services
- Billing dispute for services
|
|
Web |
Older American |
|
National Credit System XXXX XXXX XXXX XXXX, Ga XXXX ; XXXX XXXX XXXX XXXX, XXXX, Ga XXXX XXXX I received a notice from National Credit System on XX/XX/2022 requesting payment for an alleged debt owed to XXXX XXXX XXXX XXXX I wrote to them on XX/XX/2022 via certified mail return receipt, requesting documentation for this debt. As of this date they have not responded or sent any documentation. I do not owe this debt! They reported this to the credit bureaus. My credit rating went from " Exceptional '' dropping to " Good '' which is two categories down and my rating dropped XXXX points because of their reporting.
|
| 03/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
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National Credit Systems is attempting to collect on a debt that doesn't belong to me. I have disputed this erroneous information and yet they are reporting that it's my debt. This debt is for an apartment complex called XXXX at XXXX apartments and the debt amount is for {$8000.00}. This debt is fraudulent. I have never lived in an apartment complex called XXXX at XXXX apartments. I have sent a copy my police report, my ID theft affidavit, and my FTC information and they won't respond. I have asked for validation such as a contract containing my signature or proof. There's no proof because this isn't my account.
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| 07/29/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
Servicemember |
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Hello XX/XX/XXXX and XXXX I mailed off letters responding to companies saying I owe them. I followed the law and they did not. Im asking for your humble assistance. Its been almost 3 months now.
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.
These companies .Failed Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )
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| 04/06/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account status incorrect
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Web |
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National Credit Systems -- - This collections account has been paid in full and is resolved with the original account holder, this account should not be on shown on my credit report due to inaccurate information.
XXXX and XXXX continue to not report this collections account inaccurately and showing a delinquent account with {$190.00} owed -- This is false and inaccurate information.
XXXX has been transparent and is reflecting the correct information.
Please feel free to contact the original account holder for verification of no balance being owed. Attached is e-mail communication that will verify this.
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| 09/14/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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XXXX XXXX XXXX XXXX XXXX.
XXXX, CO XXXX They are lying and saying I owe them money. I do not. They received 90 days notice that I was moving out. I moved out on XX/XX/XXXX. Rent was pro-rated until XX/XX/XXXX. They also have not returned my deposit of {$13000.00}. I never heard anything from them, and they submitted this fraudulent debt to a debt collection company. This company owe ME money, not the other way around.
National Credit Systems , Inc .
XXXX XXXX XXXX XXXX, GA XXXX These XXXX XXXX do not answer their emails, mail, or phone. They are trying to collect a fraudulent debt. I do NOT owe this money.
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| 12/15/2022 |
No |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I want to dispute this debt because this debt is wrong. The Assistant Community Director reached out to me via email and said, Ok since it was no notice given, you will be charged a for rent in XXXX plus a retlet fee of {$800.00} and an early termination fee of {$940.00}. Also, a trash out fee of {$150.00} since it was furniture left in unit. I will send your final account statement shorlty. Thank you. She never sent me a final account statement for me to make a payment or reached back out to me. Today, I just received a letter from XXXX stating I owe Residence at XXXX XXXX XXXX {$2900.00} which doesnt add up.
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| 07/23/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I have contacted this company asking for applications, or security agreements that was completed by me to show initiating of this account. I have never lived on whatever property they are claiming. And, they continue to provide some type of agreement created online. They will not even forward an application to show if I even applied to live wherever this place is. They even have a page with a generic email of my name as an email which is not my email and never has been.
They are now saying I owe {$4100.00} for some move out service or something.
This is not my debt, I did not live here nor applied to do so.
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| 10/19/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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I am not LIABLE for this debt. I DO NOT have a CONTRACT with " National Credit Systems ''. As far as I'm concern this is a third party company who has taken this debt as a tax write off and still reporting it on my credit report which is deformation of character and not allowed according to the 15.U.S.C. 1681 Law.
I am also requesting that the company send me the " ORGINAL '' contract copy with my wet signature I am also requesting that this company send a copy of the payment history, as well as the " ORGINAL ' address of the " ORGINAL '' creditor and I am also asking for proof of collection authorization.
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| 02/19/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I have an issue with this agency and is doing this complaint on how this company reported an account to XXXX. NATIONAL CREDIT SYSTEMS didn't allow me and the joint person on this account notified by mail, email, or phone call. The information reported in inaccurate. I tried to make numerous to have the creditor to contact me about the accuracy and amount of this debt. XXXX XXXX, XXXX totally ignored my attempts to resolved the issues and went straight to NATIONAL CREDIT SYSTEMS and had the collection agency to immediately report this to all of the credit bureau without following the Fair Credit Reporting Act.
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| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have sent a debt validation letter and XXXX XXXX dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.
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| 12/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Information belongs to someone else
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Web |
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National credit systems has and Incorrectly and inaccurately placed a collection on my credit and consumer report. This event happened and XXXX at the beginning of the pandemic. The company that reported the debt to the collection agency stated that they no longer have any knowledge of needing to pursue a debt collection from me. I reported this to national credit systems and try to get credit repair help and they have violated my rights as a consumer and my violated my privacy. This stat is not accurately reported on all three bureaus it's false and it is needs to be removed. Please investigate this agency.
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| 04/05/2021 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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I requested that National Credit System validate an account for XXXX XXXX Apartments. I did not receive validation of this account. The company is reporting this account on my credit report that has not been validated. However, a different collection company is sending me letters in the mail trying to collect on this same account. The other collection company is XXXX XXXX. So there are two companies trying to collect on the same debt. National Credit System is reporting the account on my credit report with a balance and has not validated the account to prove that they own the account or that I owe this debt.
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| 04/15/2020 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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The company, National Credit System has illegally reported and demand debt collection for an amount of debt they have not legally informed or verified with me. I've sent certified debt validation letters on XX/XX/2020 for the company to send specific requested documents within 30 days of the date on the letters. I also advised the company that failure to do so within 30 days or failure to mail all requested documents will legally force them to remove those debts from my credit report at once. The company has failed to respond and has not provided validation as of today XX/XX/2020, which is well over 30 days.
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| 11/30/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Not given enough info to verify debt
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Web |
Servicemember |
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National Credit systems sent a XXXX page excel sheet printed off from a computer screen and claimed this was enough information to report a collections account to all XXXX credit bureaus. this was after i filed a verification of debt within the thirty days given to me. i could dispute each charge placed in my name and also believe the original creditor knowingly violated a number of statutory laws. national credit systems continues to contact me even after i have written them to cease contact. they continue to attempt to harass and put a strain on me and my families well being without being held accountable.
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| 06/02/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was already discharged in bankruptcy and is no longer owed
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Web |
Servicemember |
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National Credit Systems XXXX XXXX XXXX This debt was dismissed during a court case in 2018.
XXXX XXXX is no longer responsible for the debt. I was never involved in the court case nor was I contacted. I was a cosigner on this apartment and wasn't notified about anything until the collection agency started contacting me. This should have never been reported on my credit file/ I'm still being contacted by the collection company who's have a really bad attitude towards me for trying to resolve this issue. I attempted to resolved this issue with this company who never tried to listen they only wanted payment.
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| 02/03/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Disclosure verification of debt
- Right to dispute notice not received
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Web |
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I left a voicemail message for an attorney. I received a call back from XXXX XXXX impersonating an attorney. I then asked for verification of the debt which he refused to do. He then agreed to send me some paperwork and then refused to accept the address I provided him. They have never sent me anything regarding notice of the right to dispute the debt. The information they provided to me over the phone about the debt was incorrect. I have told them numerous times that the amount of the debt is wrong and they still keep trying to collect on that amount instead of requesting proof from the original creditor.
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| 10/22/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I have sent a debt validation letter and 3 609 dispute letters explaining to the creditor that the fees assessed are incorrectly reported on my credit report. Please see attachment for the original lease agreement, security deposit deductions, and final account statement. These charges have been invalidated and are in accurate. Not only has the creditor failed to provide proof of the alleged damages, the charges do not match with the security deposit deductions provided with the original lease. Please also note that the reletting fee listed on the original lease does not match the final account statement.
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| 07/10/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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You are in violation of 15 U.S. Code 1692e - False or misleading representations A debt collector may not use any false, deceptive, or misleading representation or means in connection with the collection of any debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 10 ) The use of any false representation or deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer.
[ Violation of 15 U.S. Code 1692e ] - False or misleading representations ] ( NATIONAL CREDIT SYSTEMS ) - Account Number : XXXX
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| 01/03/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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I sent a letter to National Credit Systems regarding a duplicate reporting error and asked for them to verify the debt with me. I sent this letter XX/XX/2021 by USPS. I have heard nothing from the company. They have made no attempt to contact me via mail, email, or telephone. Since it has been well over 30 days, I believe the account should be closed in order to avoid unfair credit reporting. The duplicate reporting of the same account adversely affected my scores for years and showed I owed more money in collections than I actually did. This cost me countless housing and vehicle financing opportunities.
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| 05/28/2020 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I'm filing a complaint on National Credit Systems XXXX XXXX XXXX XXXX XXXX, XXXX GA XXXX.
After receiving a notice from National credit systems about owing them {$170.00} I contacted them by mail to informed them the debt did not belong to me and it was a result of identity theft. I contacted the credit bureaus ( XXXX and XXXX ) to report the matter after waiting for over 6 months I was told the item was verified with no supporting documents. I contacted them again and was advised to contact the federal trade commission. once I contacted the federal trade commission I was referred to consumer finance.
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| 12/05/2023 |
Yes |
- Debt collection
- Rental debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
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15 USC 6803 Disclosure of Institution Privacy Policy. I XXXX XXXX here on behalf XXXXXXXX XXXX\Principal are notifying National Credit Systems are violating my principals right to privacy. Henceforth you and your client are sharing non public information which furthermore violates the principals rights and federal law without the principals consent. If these torturous acts are to continue you will be held civilly liable for willfully and knowingly causing harm to such principal, you have been notified if this continues we will bring litigation to one of the high courts of the land concerning the matter.
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| 11/04/2023 |
Yes |
- Debt collection
- Rental debt
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- Attempts to collect debt not owed
- Debt was paid
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Web |
Older American |
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I contacted : NATIONAL CREDIT SYSTEM and an employee told me that I had to stop by the XXXX XXXX XXXX office. And resolve that charge of : {$410.00} with them and request a letter stating that said debt does not exist. The next day I went to said office and spoke with XXXX XXXX and she told me that they no longer have information on my payment history and there is no information in the systems. Since the company : XXXX XXXX took the computers and files, I asked her if I had the address and telephone numbers and I didn't have them. How is it possible that they are collecting a debt that I can not refute?
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| 07/24/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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This debt collector engaged in abusive, deceptive and unfair practices of the FDCPA which prohibits. They furnish this account that we didnt agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it, more so they didnt follow the proper 5 step validation procedure which makes this unfair practices. According to FDCPA Im entitled to {$1000.00} per violation and clearly they violated my rights.
I am not liable for this debt and do not have a contract with them. They have not provided me with any of the documents I continuously ask for.
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| 07/07/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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Due to the hardship of covid and losing a job we fell behind on rental payments. We did get assistance but not for full amount needed due to an error on property management not putting correct amount needed for assistance. We now have a collection for {$12000.00} which is showing on XXXX, XXXX, and XXXX. The original creditor is The XXXX At XXXX, and the collector is : National Credit Systems {$12000.00} Account number : XXXX I have let them know that covid was a factor in this but still nothing. This account is causing undue hardship in being able to find proper housing as it remains on credit report.
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| 09/12/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I am a victim of Identity theft and have been for several years. In spite of this I have debt collection agencies who continue to put false inaccurate information on my credit report. These collection agencies have been given proof countless times on these false inaccurate collections on my credit report. They have removed and added them back on my credit report. They are in violation of the FCRA and refuse to provide original signed contracts that prove that the information is mine. I have given them documentation that supports my identity theft claim. They have failed to remove these false collections
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| 08/30/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Public record information inaccurate
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Web |
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I applied for an apartment at XXXX XXXX. I paid the required application fee. A few weeks later I was notified that my bank frauded the amount out because they assumed it was fraud. I immediately had them to reverse the charges and send that payment back to XXXX XXXX. I received a credit alert stating they had sent this information over to collections and it now on my credit under National Credit Systems pending payment. This is inaccurate reporting information since I paid them. I have even reached out to the collection department and also sent them a copy of the documents. Please see attachment below.
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| 01/08/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
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|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 12/05/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document of my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 01/16/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 08/15/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
Servicemember |
|
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX breach as well.
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| 04/12/2017 |
Yes |
- Debt collection
- I do not know
|
- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was reviewing my credit report on XXXX web site, and I realized that I have a COLLECTION ACOUNT REPORT for {$2300.00} made for NATIONAL CREDIT SYSTEM This debt is not mine, and I made a dispute whith XXXX in order to delete the debt from my credit report, and I told the person who attended me that I received my SSN on the end of XXXX , and the charge was made on XXXX , therefore, I couldnt have done that expense, however, the DISPUTE RESULT that XXXX did, just was, to update the debt, but the debt still on my credit report, thats why I am asking you to help me out to resolve this issue.
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| 01/11/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
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|
Web |
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My credit shows that in XX/XX/XXXX, there is a debt collection of {$620.00} on my SSN, owed to National Credit Systems, with the original creditor XXXX XXXX XXXX XXXX XXXX.
First of all, I never lived in that apartment, nor have I visited it.
Secondly, this debt collection occurred before I received my social security number ( I received my SSN in XX/XX/XXXX through my employer ).
I contacted the company in XX/XX/XXXX, and an employee at XXXX XXXX XXXX received my call, and couldn't do anything about it. They confirmed that they managed that property XXXX XXXX XXXX XXXX during that period of time.
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| 01/12/2019 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
Servicemember |
|
National Credit System continues to ignore my request for debt validation. They have not responded and the items must be removed from my credit report of alleged debt of {$1100.00} ans {$520.00}. The information appearing on my credit report is inaccurate and is damaging my character, credibility, or ability to obtain credit, I am now seeking Injunctive Relief through the courts. This is poor reporting practices of " obsolete, inaccurate, irrelevant, outdated, misidentifying, incomplete, incorrect, erroneous, and misleading '' information on my credit report. Defamation of character and willful injury
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| 03/05/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
In XX/XX/2019 National Credit System added a derogatory mark on my credit per XXXX XXXX. Upon further research, this account was transferred and sold and I am no longer responsible for the account. Debtors creditor did not verify this collection. Also, there was no written form of communicatio, contract, or signature for this accused debt at all. A bill without a written signature does not validate the debt and anyone can send a bill and say it belongs to me. According to FCRA National Credit System has violated my rights as a consumer and Im requesting legal action to remove the account immediately.
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| 01/14/2019 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have disputed the account with National credit system several times before due to the amount showed due. I contacted the original creditor XXXX at XXXX XXXX, in order to request information on the amount that showed due. I was giving no explanation stated they have had new management so they do not have any documents from XXXX, just to contact National Credit Systems. Once I contacted National credit system I was told the balance was due to damages. I requested proof of damages as well as original lease and statements. I filed another dispute with XXXX on XX/XX/XXXX to validate debt and amount due.
|
| 10/11/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
I lived in XXXX XXXX apartments from XX/XX/XXXX to XX/XX/XXXX. When I moved out, I was not sent a bill through paper mail or any other outlet. I was not notified that I could dispute the debt. I did not receive notification until my bill had been sent to collections without my knowledge and it was shown on my credit report. The bill was {$250.00} for carpet replacement and extensive trash removal. I tried contacting the apartment office through many outlets and received no response. I do not believe the debt belongs to me, I believe it belongs to the person who rented the other unit in the apartment.
|
| 08/03/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
Servicemember |
|
National Credit Systems posted an erroneous charge to all 3 credit bureaus, I contacted them and the rep I spoke with had no desire to rectify the situation. I contacted the business ( XXXX XXXX ) to get this removed from creditor and credit bureaus and no-one has returned my calls. I received a refund of my security deposit and left my lease in good standing, no property damage and was never a problem resident of that property when I lived there. They are dragging my credit through the mud and not trying to find the truth, they are only concerned with STEALING money from a single mother and Veteran.
|
| 03/29/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Received original notification that National credit systems wanted to collect on a debt that was not mine. The XXXX Apartments uses a third party company to collect for water, trash, sewer, cable and internet. I was then notified to pay on a bill that is not mine. I was not able to move in the apartment due to bed bugs. I have tried to resolve this issue with The XXXX, XXXX and XXXX XXXX Owners, National Credit Systems, XXXX XXXX, and all parties involved I have been working on this for a year. I have written to the manager of the collection agency, owners of all companies, and called multiple times.
|
| 12/01/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
OnXX/XX/XXXX i sent a letter requesting validation of a debt to National Credit Systems through certified mail. I dispute the mark on my report through XXXX XXXX and XXXX NCS never sent a validation letter but reported to transunion that the debt was valid. I called NCS stating the debt is n't valid without proof and it is also passed the statue of limitations law in the state of Louisiana for them to even collect. The young lady hung up in my face. I re disputed the account and contacted the BBB and XXXX. I will not stop until this mark is off of my credit report and will seek IMMEDIATE legal action
|
| 11/22/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
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XX/XX/XXXX2017 An amount of {$710.00} was reported to my credit. When i inquired it said it was from XXXX XXXX. This was my old apartment and i had moved out according to my lease but, I have no idea what this bill is for. I called them and asked to speak to the manager but they said they are having change in management.
How is this even fair for someone who never received the bill? Also, they are not willing to work with me. I have no idea what I am being charged for. This company is making fraudulent claims on my account because they did n't send me any bill and I have no idea about these charges.
|
| 08/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I received a bill after moving out of XXXX XXXX XXXX XXXX XXXX XXXX. I called them about the bill because I thought it was erroneous. I cleaned up very well, took pictures and video. But the bill was for cleaning and broken toliet seat that the complex maintenance man broken when he came over to remove them. They were also charging me for bills dated in XXXX when I moved out in XXXX. I asked them to send me a detailed break down of the bills and why I own them but that was never recieved. I then received a collection and derogatory report on my credit.
The bill is for {$380.00} which I do not owe.
|
| 10/13/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
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|
On XX/XX/2018, National Credit System add a derogatory mark on my credit report per my XXXX. Upon, further research, this account was transferred/sold and I am no longer responsible for the account. The debtor 's creditor did not verify this collection. Also, there was NO written form of communication, contract, or signature for this accused debt at all. A bill without a signate does not validate the debt and anybody can send a bill and say it's mine. According to the FCRA, National Credit System has violated my rights as a consumer and I'm requesting legal action to remove this account immediately.
|
| 03/12/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
Someone stole my information. And open up a apartment in my name in XXXX texas. The name of then is XXXX XXXX XXXX XXXX. I found out because I was trying to get a place to stay and it came on my credit report. I never stayed in texas a day in my life, for the same company they also used my information for there electric bill called XXXX XXXX XXXX. I have tried to dispute the charges but nothing is being resolved. I have filled a police report and a Identity theft form .someone has access to my social security number and is using it opening up accounts under my name can someone please help thank you
|
| 03/24/2022 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I had my identity stolen and realized there were fraudulent items on my credit report which caused me to fill out identity theft reports ( local police and FTC ) back in XXXX of XXXX. Then I submitted these reports to all 3 major Credit Reporting Agencies which caused them to remove all the fraudulent accounts. This company came back randomly a few months later and put this account back on my reports under the guise of it being a different account than the one that was removed. I contacted them on XX/XX/XXXX via a letter sent certified mail and got no reply or proof of any business we've ever done.
|
| 02/15/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against NATIONAL CREDIT SYSTEMS. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.
|
| 06/26/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
National credit systems failed to validate The debt that they say I owe. I have sent them a letter on XXXX XXXX, 2017 for validation of that section 809B fair debt collection practices act and it has been over 30 days and they still have not responded. XXXX XXXX on XXXX XXXX, 2017 excepted The certified mail on behalf of national credit systems. So I have proof that they got the letter but they are refusing to validate the debt within the 30 days and no response from them. Therefore this negativity should be deleted from my credit report XXXX XXXX XXXX. National credit systems is Breaking my right.
|
| 02/18/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I was not aware I could dispute the National Credit Systems collection from a debt that has zero validity.
I began paying the collection little by little because I did not want a derogatory mark on my credit, however I stopped because I began questioning why I was paying it.
I can not remember exact amounts, but they said I owed around {$1200.00} to XXXX XXXX which is my previous apartment. ( Current amount {$1000.00} " owed '' ) My last month 's rent should have been covered because I paid my first and last month rent in the beginning of my contract in XXXX. We moved out in XXXX during COVID.
|
| 08/07/2017 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
On X/X/17 I called National Credit Systems and spoke with a XXXX XXXX. I made payment of {$250.00} to close the account. On X/X/17 I received notification in the mail from National Credit Systems , Inc. dated XXXX/XXXX/XXXX that NCS had been authorized to accept a payment of 50 % of the balance owed to close the account. This information was not provided to me by XXXX XXXX and she did not offer the 50 % reduction despite the offer being dated X/XX/17. I called XXXX on X/X/17 and spoke with XXXX, Collections Supervisor, asking that the a refund be issued for the difference. He declined the request.
|
| 09/05/2023 |
Yes |
- Debt collection
- Rental debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
This collection does not belong to me. I believe I am a victim of identity theft. I have never lived at this location, Ive never signed a lease, and the address linked to this fraudulent lease is not, nor has it ever been tied to me. Ive reached out to the property on several occasions over the past few years asking for a signed lease, and asking them if they have any ID of mine on file, or any camera footage from the day the lease was signed. I have reached a dead standstill. This colloction has since caused me to become homeless as I am unable to get property in my OWN name due to this balance.
|
| 03/03/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
On XXXX XXXX,2020, National Credit Systems, added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and I am no longer responsible for the account.
They did not verify this collection and there was no written form of communication, contract, or signature for this accused debt at all. A bill without a signature does not validate the debt and anybody can send a bill and say it belongs to me.
According to the FCRA, National Credit Systems has violated my rights as a consumer and I'm requesting legal action to remove this account immediately!
|
| 10/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This debt is from XXXX XXXX. I was signed on a lease mid XXXX. And signed off by all appropriate parties on XX/XX/16. I did attach documents of proof on a dispute. Ive also disputed this through XXXX and XXXX. Both have deleted the debt from my credit. XXXX seems to want to hold this on my credit even though the documents prove this debt is invalid and is hold me back from getting into a home. Im close to being homeless because this fake and invalid debt is not being removed after several attempts and showing proof. Im going to get an attorney involved if this doesnt get removed and deleted ASAP.
|
| 09/27/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I just receive a notification of collection on my name which Im not aware of, I own a house which I live in it for about 4 years now, and I have never made any deal or contract with this apartments I would love for them to show me copies of prove of my social, driver license and my signature on their papers which those things are required to get someone in collection because I know they shouldnt have because I wasnt the one that do this any recordings about me entering to their office to do this I would like them to provide just as the same way they stating this is my account I want prove of that
|
| 09/01/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This Item was removed from my XXXX after your company failed to remove from my credit file.
How cam the debt be owed to 2 different companies.
XXXX had the debt list as XXXX XXXX XXXX and XXXX has it listed as National Credit Systems So how can both companies send me a verified response when its two different companies.
The debt was removed from XXXX but still remain on XXXX.
Please remove from my account due to failing to provide proof.
Original complaint : XXXX XXXX XXXX Credit reporting Problem with a credit reporting company 's investigation into an existing problem XXXX XX/XX/2021
|
| 07/12/2020 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I offered to make a payment and try to settle with the company to have this collection deleted from my credit report XXXX XXXX by mail. A week after sending the letter national credit systems contacted me and threatened to sue me and ruin my credit. A few days following an attorney from XXXX XXXX office called repeatedly and left several voicemails telling me good luck in court. I could never contact anyone back at the law firm. I would like for this to end and this collection to be deleted or settle for the amount I initially asked, delete from my credit report, and do not ever contact me again.
|
| 12/01/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Old information reappears or never goes away
|
|
Web |
|
|
This account ( NATIONAL CREDIT SYSTEMS ) has exceeded the statute of limitations and needs to be removed from my consumer report. This item was entered to my consumer report on XX/XX/XXXX therefore it should have been removed on XX/XX/XXXX considering the fact XXXX law says oral contracts have a 4 year statute of limitations. I never had a written or oral agreement with National Credit Systems. If this account is not removed immediately I will sue XXXX and National credit systems for violations of the FCRA by not removing this item from my consumer report within the XXXX Statute of Limitations.
|
| 08/07/2021 |
Yes |
- Debt collection
- Other debt
|
- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
|
|
Web |
|
|
I was wrongfully evicted, I assumed the responsibility when my wages were garnished. For a little over a year I was garnished, the garnishment was paid in full. I have documents from my employer stating this. I called the National Credit System ( XXXX ) XXXX to inquire about the {$380.00} that is still on my credit. They could not tell me why I still have a balance even after my garnishment was paid in full. I have disputed this with XXXX, I submitted my documents of proof to them and they refuse to remove it from my credit. Please help me with this matter so I can move my children into a house.
|
| 07/02/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
In XX/XX/2014 an account was opened in my name at an apartment complex named XXXX XXXX which left me with a collection that i do not owe nor have anu knowledge of on my credit report for the amount of {$450.00}. Since then i've filed a police report of identity theft and the apartment address was taken off my credit but the collection company refuses to take the collection off even after being told it was fraud and I was a victim of identity theft. I've filed an FTC report as well as disputed it with the credit bureaus numerous times and they still will not remove this collection from my credit.
|
| 03/15/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Between XX/XX/XXXX and today ( XX/XX/XXXX ) I have repeatedly contacted XXXX XXXX and XXXX XXXX via phone and email explaining the problem over and over and asking for progress on getting this removed from my credit reports. I get no response. This has been going on for months now.
In XX/XX/XXXX, I sent NCS pay stubs showing amounts taken from my pay, which indicated that XXXX XXXXXXXX XXXX debt was paid in full. They still claim not to have received all of the {$1700.00} plus that was taken from my pay, even though the pay stubs that prove it. They claim to only have received about {$700.00}.
|
| 03/01/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
In XX/XX/XXXX, National Credit Systems submitted a collection item to XXXX, XXXX, and XXXX. National Credit claims that a balance of {$1200.00} was due to XXXX XXXX ( the original creditor included in the debt collectors submission to the credit bureaus ), however, no such account has ever existed with XXXX XXXX.
National Credit System has sent a move out statement for an apartment that I lived in from XX/XX/XXXX to XX/XX/XXXX. There should not have been an outstanding balance due to my landlord ( XXXX XXXX XXXX ). A security deposit of {$2900.00} was paid on XX/XX/XXXX ( see page 29 of 73 ).
|
| 12/14/2022 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
National Credit Systems XXXX This huge debt is affecting my family. I can not rent anywhere due to this debt by XXXX XXXX XXXX send my name to National credit Systems. Its unlawful i left the month my lease ended and left everything clean/ perfect conditions. This debt is keeping me stuck please i need this removed. My family deserves a good home and i can not move anywhere with this debt attached to my name. The only flaw in my credit is this. please remove this. Ive been living with family because no place will rent with this on my credit. please remove this debt from my name im at my lowest.
|
| 08/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
For about two years now, National Credit Systems , Inc in XXXX, GA has continuously and repeatedly attempted to coerce and induce me to pay a debt of {$2700.00} which I do not owe. National Credit Systems , Inc. has repeatedly failed to validate and substantiate my Contractual Agreement with them, bearing my signature. Their blatant disregard and exploitation in filing negative information on my credit profile with all the credit reporting agencies has continued to cause me and my family pains, costing me opportunities for good jobs, and financial pains and inability to even rent an apartment.
|
| 06/11/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
I have requested that XXXX remove an unverified account that has been placed on my credit report from National Credit Systems. I have no agreement with National Credit Systems and requested a Cease & Desist previously. The company never provided any verification information before placing this account and still placed the account after I requested them to cease & desist. I informed XXXX and XXXX of this error and the account is still reflecting on my account. It is my right to only deal with the original creditor and not a collection agency that I don't have any kind of income agreement with.
|
| 10/23/2018 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Before moving out of the residents the apartment manager had made a agreement with me to pay on damages that had accrued i had paid {$790.00} in total she had given me hand written receipts she told me that once repair total was paid in full the maintenance man would come an repair the issues at the time of me moving i had asked the lady if the repairs were going to be a issue since i had paid them she said no they would be repaired before the corporate office came an inspected the apartment to see what needed to be charged then i get this huge bill on me credit. this was taken care of already.
|
| 08/09/2023 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
XXXX XXXX XXXX formally known as XXXX, managed by XXXX XXXX sent XXXX to collections knowing that I didnt owe that & didnt give me explanations on why that was the amount. I left only owing XXXX. I broke my lease because my flooding was a consistent issue in my apartment & management did nothing about the problem, they decided to do renovations while I was living in the apartment, they expected me to pay full rent while everything was going on. I practicality lived with the construction workers. {$1700.00} was owed and my security deposit with was {$1500.00} was supposed to cover the majority.
|
| 08/13/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Older American |
|
National credit systems is reporting an account that does not belong to me to credit bureaus. I never opened any account XX/XX/XXXX and although I have disputed the entry it remains on my credit report past due as of XX/XX/XXXX. I never opened an account with the original creditor shown on the credit file either. It appears fraudulent, discriminatory and deceptive practices are being used by this agency. I have not received my credit file from XXXX. I have attached a copy of the entry from my XXXX report received today. The fraudulent entry appears on my XXXX report with varying information.
|
| 06/13/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
I received notification from XXXX XXXX in regards to a debt that I was unaware and NEVER received a letter. however what concerns me is that I rent from this company - theyve have not informed no letter about debt validation / verification. This collection is absurd and really believe this company did not do proper ways to contact. I have not resided in the residence since 2015. Why would it appear on my credit. XXXX XXXX has been sold 3 times, when leaving the company a Walk-thru is required ( inspection ) and a {$0.00} balance is required to be able to rent another property from this company
|
| 11/26/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I have sent demand letter requesting signed information to show me where it states on my lease that a tenant is responsible for what they are claiming I need to pay for such as : paint and carpet cleaning. I lived in this apartment for 4 years and in Nevada that is nothing more than normal wear and tear. I have read through my lease and nowhere does it state a tenant is responsible to pay a fee for carpet cleaning and paint upon move out. Not to mention they also kept my security deposit as well. Which is why I feel I am being wronged in having to owe the amount of {$290.00} they claim I owe.
|
| 04/25/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
National credit system was sent the attached a letter. They have not followed it and neither have any of the credit companies specifically XXXX. I need validation and until it has been validated and I am provided documentation they must remove it from all of my credit reports. Everything must be done by mail. They have failed to do so. I have documented proof with return receipts that were signed for documents that were sent certified mail with tracking numbers. They received the items the certified documentation came back to me from the XXXX and they still have not updated my credit reports.
|
| 09/29/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt resulted from identity theft
|
|
Web |
Servicemember |
|
I contacted National Credit Systems attempting to pay off debt until I found out I was a victim of identity theft. I called to inform XXXX XXXX the collections agent there and obtain identity theft paperwork only for him to fax and return only for him to continue to make threats. XXXX XXXX accused me of lying about being a victim and there is nothing that can be done to help me. I felt very offended by his actions. I asked to speak to manager and his manager said and did the same things. The manager even told me that there is nothing that well every be done to get rid of debt so deal with it.
|
| 06/24/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
NATIONAL CREDIT SYSTEMS , INC, a debt collector, has fraudulently stolen and used XXXX XXXX XXXX 'S personal identifying information ; Social Security Number, address, phone number, etc. without any consent given. This is a violation of the Fair Debt Collection Practices Act 805 ( b ) - Without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgement judicial remedy, a debt collector may not communicate, in connection with the collection of any debt ... ''.
|
| 01/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid.
This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
|
| 10/16/2020 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
XX/XX/XXXX hurricane took out well pump. By XXXX, still without utilites so we had to break lease due to inability to have running water for two months. Landlord agreed and accepted us moving, even gave great refrence when called by new landlord XX/XX/XXXX to do a reference check.
Had a XXXX balance to company as of XX/XX/XXXX.
XX/XX/XXXX landlord went behind us and submitted a false claim of debt owed to credit companies. He did not go through courts, nor has he returned any text message over the past three years attempting to find out what this was about.
Tried disputing but no avail.
|
| 11/22/2023 |
Yes |
- Debt collection
- Rental debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
In XX/XX/2023, I requested that the collection company, National Credit Systems, validate a debt that is reporting on my credit report that I was unaware of. The company did not provide documentation to validate the debt and the account is still reporting on my credit report. This is a violation. The company never sent me anything about this account and still has validated the account and it is now XX/XX/2023. I am including a copy of my validation request letter to National Credit Systems and proof of tracking through certified mail that shows the company received the letter on XX/XX/2023.
|
| 05/08/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
Hello, I'm writing to inform the CFPB that the debt collector has failed to validate my debt that they claimed I owe. I had requested for the debt collector to validate my debt. I sent a validation letter to the debt collector on XX/XX/2023. I requested for them to send me the complete payment history, Agreement that bears the signature of the alleged debtor, Letter of sale, and Intimate knowledge of the creation of the debt. The debt collector failed to send me this information. I will attach the letter I sent the debt collector and it will have more details regarding my validation I sent.
|
| 01/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have disputed a debt from National Credit Systems and sent them correspondence on XX/XX/, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXXXXXX XXXX stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid.
This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
|
| 03/30/2019 |
Yes |
- Debt collection
- Other debt
|
- Threatened to contact someone or share information improperly
- Contacted you instead of your attorney
|
|
Web |
|
|
I have contacted National Credit Systems Inc, on behalf of XXXX XXXX XXXX, last year I advised them there is a litigation opened to correct this matter, the Collector advised me there were investigating, and they will be contacting me, i have contacted the actual owner company for this apartments, and they stated they will be correcting this problem asap, that the last XXXX was fired cause she unethically has thread on me on ruining my credit. Due to a a personal matter, she was having an affair with my husband.Since then they change management company and my credit is ruined. please help.
|
| 12/17/2018 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
On XX/XX/2017 I recieved a debt I felt I shouldnt have to pay from a apartment I use to live at amount is XXXX we told the lady we was leaving and we finish our lease but she told us if we dont come sign papers then we automatically will been put into a month to month contract so weird right? How are you going to put us into something without or permission all we have to do is tell you we are not resigning to stay just like any other apartment I stayed or anybody else I know stayed everyone I talked to said that sounds stupid and looks like they are trying to get over on you. This is wrong
|
| 11/15/2023 |
Yes |
- Debt collection
- Rental debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
A letter dated XX/XX/23 stated that National Credit Systems was attempting to collect a balance I allegedly owed ( I received no prior notice from the creditor ). I sent a letter back, as well as submitted a request online for itemized charges, which I received on XX/XX/23 via email. I replied to the email with supporting documents showing the balance owed was incorrect, and that I owed {$1.00}, not {$130.00}. After no initial response, I submitted the documents via mail on XX/XX/23, to which I have not yet received a response. 8 days later, the collections account is on my credit report.
|
| 02/21/2023 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have sent three different letters requesting verification and validation on this account. XX/XX/XXXX, XX/XX/XXXX and also XX/XX/XXXX. The company has not responded to any of the letters nor have they validated this account as being mine yet they still are actively reporting this account to the credit bureaus. I have not received any legal documentation such as a contract, agreement or promissory note with my signature that holds me legally responsible for this debt. I am attaching the latest letter sent to them but the exact same letter was sent on three different dates as stated above.
|
| 12/10/2018 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I reached out to this company and credit bureaus to inform them all that this account was open fraudulently. I sent them certified letters on XX/XX/2018, XX/XX/2018, and XX/XX/2018. It is now XX/XX/2018. I sent the NATIONAL CREDIT SYSTEM a copy of my police report, ID Thief Affidavit, ID, and my social security card. The company has not responded to any of my letter directly, which is a direct violation of the fair credit reporting act.
The only resolution is to remove this fraudulent account removed from my XXXX immediately which is in direct violation of the Fair Credit Reporting act.
|
| 02/28/2022 |
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
- Investigation took more than 30 days
|
|
Web |
|
|
XX/XX/2022 I've been reaching out to this company to remove the alleged debt from my consumer report. While I'm in the process of reaching out to the company they never gave me any supporting documents nor written authorization that I started the debt. Every time I try to communicate with this company to dispute the debt they send me price reduction. The company National credit systems keeps sending me reduce prices of the debt instead complying with my request or showing me proof of the debt. I had the same account on my XXXX and it's still reporting to the other XXXX consumer agencies.
|
| 04/22/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
national credit system XX/XX/2019 XXXX I have tried several times in asking for your help with a debt that does not belong to and also provide information that this debt is not mines know you need me know choice but to file a law suit which i will be asking the CFPB to come to court and testify once again the account is not mines the company have yet to show proof I file a complaint with FTC along with identity fraud report and telling me to file again so national credit system can do their investigation they do not even sound right i have enclose some documents along with this complaint
|
| 01/27/2020 |
Yes |
- Debt collection
- I do not know
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
At this point I would like to try and get this account with National Credit Systems settled. The contract and the break down of fees I do not believe are accurate and I would agree to paying the final month rent of {$1100.00}. The lease was for one year, from XX/XX/XXXX until XX/XX/XXXX. I gave notice XX/XX/XXXX and the contract expired XX/XX/XXXX had I stayed to the end of the month that would have completed the contact. The fact that they want to charge an early termination fee for a contract that was due to expire 30 days from when I moved out and charge a 60 day notice fee is absurd.
|
| 09/01/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I do not know the source of information due to this but the contract for the collection that was place from NATIONAL CREDIT SYSTEMS, INC ( XXXX XXXX XXXX ) Acct # XXXX. I have never had an contract with the collection agency and I have requested documents to be sent to me stating that something was signed and no document has been sent to me. The only thing I keep receiving is a letter stating " the dispute has been verified and updated '' but with what documents? '' I have tried to make contact with XXXX thru letters, phone calls and certified mail and no one has been able to assist me.
|
| 11/22/2023 |
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
|
|
Web |
|
|
information was sold and bought illegally because I was a victim of the XXXX data breach. I want these items Deleted from my credit reports effective immediately. I am attaching proof that XXXX has admitted that I was in fact a victim of this data breach and XXXX has done nothing. Please help me delete these illegal accounts from my credit reports.
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
|
| 09/12/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
Servicemember |
|
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX This agency is reporting inaccurate information The balance is incorrect I do not owe this complex that amount XXXX XXXX ever there for XXXX months the lease clause state that if the lease is broken 2xthe rent will be accessed.Agreed rental amount XXXX per month.
Incorrect reporting, Per consumer reporting act Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days.
Please remove from all bureaus Thank you
|
| 12/07/2021 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Form Intent to Move Out obtained & given to leasing office @ XXXX in XX/XX/XXXX. Actual move out in XX/XX/XXXX.
Around XX/XX/XXXX, I was contacted by National Credit Systems , Inc Acct # XXXX to collect on Early Move Out/Reletting charges.
Per discussions with XXXX, I was instructed to send Form that was turned into them at that time & debt would be removed. I sent form via email in XX/XX/XXXX.
Note : On XX/XX/XXXX, I sent via us mail copies of documents : Email, Intent to Move Form, Money Order.Tracking # XXXX XXXX XXXX XXXX XXXX XXXX. I later discovered the option to go online.
|
| 02/26/2018 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
National Credit Systems is refusing to remove a debt of {$180.00} from my credit report.
They have been informed by XXXX XXXX the original debt holder that the debt was assigned to me in error.
However, National Credit refuses to remove the debt or send me a letter acknowledging the company is removing the debt. XXXX has continued to send me letters about a debt of {$130.00} that has been removed from my credit report.
Please compel National Credit Systems to READ this complaint and review the attachment and send me written notification that the company is removing the {$180.00}.
|
| 08/28/2017 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
I was shocked when I reviewed my credit report and found all the inaccurate items that did not belong to me.
CREDITOR : NATIONAL CREDIT SYSTEMS Account # : XXXX I have repeatedly asked this company to provide me with details on how they are able to verify something that does not belong to me. I dispute having any obligation for this debt and if you are unable to provide me with the legal documents and contracts as I have repeatedly requested then I would like to have this item permanently taken off of my credit report immediately ( per my rights under the Fair Credit Reporting Act ).
|
| 06/29/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Reporting company used your report improperly
|
|
Web |
|
|
I do not have a contract with National Credit System, they did not provide me with the original contract as I requested.
15 U.S.C 1681 section 602 A States I have the right to privacy.
15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.
15 U.S.C 1692C : 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.
|
| 01/20/2023 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was paid
|
|
Web |
|
|
I have disputed a debt from XXXX XXXX XXXX and sent them correspondence on XX/XX/2022, asking for any paperwork regarding this debt with no response. I have attached correspondence from XXXX XXXX XXXX. stating the amount owed and correspondence from XXXX XXXX wherein XXXX XXXX XXXX filed a claim on my behalf which was paid.
This debt has been listed on my credit report for several months, causing my credit score to be lowered. If this is not removed from my credit reports, I will have no other option but to sue for damages. I have also sent a copy of all correspondence to the FTC.
|
| 02/24/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
National Credit Systems , Inc. continues to collect a debt that is not investigated. XXXX XXXX will not provide the following that I have repeatedly asked for : 1. Proof that they have posted a Texas Debt Collector Bond. 2. A copy of my original lease showing that I have a pet. 3. An acknowledgement signed by me at move in of damage costs to be assessed at move out. 4. A document signed by me showing damages at move out and the application of my {$400.00} deposit to the damages. XXXX XXXX at National credit systems Inc. refuses to provide these documents, all of which he says he has.
|
| 08/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
National Credit System Collection reporting a debt to the credit bureaus says that I owed in the {$3800.00}. I received a copy of my credit report and found they are reporting this inaccurate item ( online credit report ) I contacted the above mentioned agency by phone and writing said debt belongs to me.
Contacted the Original Creditor by phone XXXX XXXX XXXX at XXXX at XXXX XXXX XXXX XXXX XXXX XXXX Iwas told I owed debt. I do not owe the debt and I want its delete from my credit reports.Its hurting my character. Date report to credit bureau XXXX XXXX in the amount of {$3800.00}.
|
| 08/04/2022 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I had signed a lease with someone and when Covid hit we lost our jobs and had to move out to move in with family. I was in constant communication with the Management of the apartment complex and have signed documents stating me myself moving out. The other person did not have that and yet the responsibility it falling on me when I had did my part. I have reached out after finding this on my credit report. I do not believe I owe the full amount of any at all when I paid the full price of rent alone and had lost my job due to covid. I also did not feel a proper investigation was done.
|
| 12/14/2022 |
No |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
I used to live in apartment complex in XXXX and left with good terms.
They should send me my security deposit by mail within 2-3 months after I left the facility, but never happened till today. A year after I left the appartment complex I found a mail from the collection to pay a debt of {$380.00} to them.
I took the letter to the managment of that apartment complex and they promised to take me off the collection and send the security deposit to my new address. It has been 2 months and my credit score hurt so bad and I am still under collection for a debt I never owned for them.
|
| 04/02/2016 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Communication tactics
- Frequent or repeated calls
|
|
Web |
|
|
I set up a verbal payment arrangement to pay off my amount owed. I started making payments but due to my financial situation i missed one payment. I still had full intentions on pickubg back up my payments the following pay period i explained this to my account rep and told him you do not need to continue to call me every day about my debt i will make the payment asap. He still continued to call me then told me he is jusy going to put refusal to pay on my account and i need to honor my word. I called and askwd to speak to his supervisor left him a message and havent heard anything.
|
| 08/23/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple 3 BUreaus Data breaches. I decided to look at my credit reports and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureaus and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved.
|
| 05/20/2020 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Information belongs to someone else
|
|
Web |
|
|
on XX/XX/2019 a dispute was made about fraud activity on my credit report, I sent over all supporting documents showing proof that this was not my information, I've tried several times after that on the following dates XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019 I also sent over letters asking them along with the collection company to please remove this account from my credit report. I'm still to this day is sending over police reports and affidavits proving this doesn't belong to me. I have asked XXXX to please remove the fraud account from my report but still I have no luck.
|
| 04/19/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
Servicemember |
|
I received a credit alert from XXXX for National Credit Systems. I contacted the company and was told that the debt was for move out fees for XXXX Apartments. I have never lived in XXXX Apartments so I attempted to file a police report. Police informed me that I needed a lease or proof of the fraud. I requested this information and was provided an invoice for move out fees but no actual proof of a debt in the form of a leasing contract. I have never lived in XXXX Apartments and the collection company refuses to remove this collection item which is adversely affecting my credit.
|
| 09/13/2021 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THIS COLLECTION IS NOT MINE!! I HAVE ALREADY TRIED TO CONTACT BOTH THE BUREAUS AND THIS COLLECTION COMPANY AND BOTH ARE IGNORING MY REQUEST!!! I HAVE RIGHTS UNDER THE FCRA AND UNDER SECTION 611 THIS COLLECTION NEEDS TO BE DELETED! THEY HAVE BOTH FAILED TO RESPOND TO ME OR SEND ME ANY VERIFICATION OF DEBT!! THIS IS WRONG!!!!! I DEMAND THE HIGHEST POWER POSSIBLE TO DO THE RIGHT THING HERE!! I AM TRYING TO BUY A HOUSE AND BECAUSE OF THIS, I AM BEING DENIED!!! THIS IS A VIOLATION OF MY RIGHTS AS A CONSUMER!!! AS THE CFPB YOU ARE REQUIRED TO PROTECT ME AND THIS IS NOT PROTECTING ME!!!
|
| 11/02/2018 |
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
- Was not notified of investigation status or results
|
|
Web |
|
|
I sent a letter to National Credit System regarding account # XXXX that is listed on my credit report. I requested verification of the account by sending a bill, statement or contract that the debt belonged to me on XX/XX/2018. I just received the letter that I sent to National Credit System back to my address. They did not investigate or read into my dispute request and it has been well over 30 days. Creditor was not able to verify account and by Fair Credit Reporting laws my rights have been violated, I demand that this account be removed from my XXXX credit report immediately.
|
| 08/16/2017 |
Yes |
- Debt collection
- I do not know
|
- Written notification about debt
- Didn't receive enough information to verify debt
|
|
Web |
|
|
I have tried numerous times asking National Credit Systems to send me information to verify an alledged debt on my credit report. To this day I have yet to recieve anything in written. It is my belief this company keeps stalling because they do not have any records. According to FCRA I have a right to ask for written verification of anything on my credit report that I believe is inaccurate.
Their last response a few days ago was they were going to contact the credit bureau.They also asked me to send any information to help them verify the alledged debt. I do not have information.
|
| 05/10/2023 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Didn't receive notice of right to dispute
|
|
Web |
|
|
After reviewing my XXXX credit report I saw that their was a debt being reporting by National Credit Systems for the amount of {$3700.00}. At no point was i notified regarding this debt in order to verify its validity prior to it being placed onto my credit report. I do not owe such debt to National Credit System/ or their client. National Credit Systems are in direct violation of the Fair Credit Reporting Act Section 623 ( a ) ( 7 ), as defined in Section 603 ( p ), a Furnisher must notify consumers in writing if they may furnish or have furnished negative information to a CRA.
|
| 03/14/2023 |
Yes |
- Debt collection
- Other debt
|
- Communication tactics
- You told them to stop contacting you, but they keep trying
|
|
Web |
|
|
XXXX XXXX contacted my mother on multiple occasions between XX/XX/2023 and XX/XX/2023. On XXXX XXXX my mother was informed by XXXX XXXX of exactly how much I owe. I called XXXXXXXX XXXX and attempted to inform her what she did was wrong and she hung up on me. Because of who my mom is and her actions, I choose not to deal with her as I have a history of XXXX, XXXX, and XXXX, well my mother turned around and informed 3 family members who then informed me of the issue. This caused me to go to the XXXX with difficulty breathing and right shoulder pain due to dealing with this issue.
|
| 01/03/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
This Company has Unlawfully obtained my personal information and created an internal account and made me a debtor of said account. I have no relation with National Credit Systems. 18 U.S. Code 1028A- Aggravated identity Theft I did not give National Credit Systems Inc permission to report an acccount on my consumer file. They illegally used my social security number and other personal information against my will. 15 U.S. Code 1681b- Permissible purpose. If National Credit Systems believe they have permission or any contractual agreement to do so please provide proof immediately.
|
| 10/24/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Improper use of your report
- Report provided to employer without your written authorization
|
|
Web |
|
|
RE : Account number : XXXX The account above concerns me. This is notification that I formally dispute this claim and seek validation. Pursuant to local state laws as well as the XXXX and FCRA, Im requesting validation with proficient contractual evidence bearing my signature obligating me to pay your company.
Please note that I can seek remedy due to FCRA and XXXX violations if a negative entry is placed on my credit report with XXXX, XXXX and XXXX from a debt I do not owe. Also, if that debt is not validated with physical evidence, it must be deleted from my credit reports.
|
| 10/02/2023 |
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
|
|
Web |
|
|
In the previous complaint that was filed against this company, in the company response they clearly stated : NCS has closed the account. We are no longer pursuing recovery of this account, and will request that any credit bureau listing made by this agency in connection with this account be removed accordingly. But this company is still sending me letters attempting to collect the debt and also the account was only removed off of experian and still remains on XXXX and XXXX. The only thing thats changed on XXXX and XXXX is the status was updated to current and that shouldnt be!
|
| 11/03/2021 |
No |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt was result of identity theft
|
|
Web |
|
|
National Credit System, I know for a fact that I do not owe your company any money, how could your company collect a debt on behalf of another? I have never done business with National Credit Systems or XXXX XXXX ( Which is the original creditor listed on this false account listed on my credit file ) I am demanding that you remove this account from my credit report at once, it is absurd that your company would put something like this on my credit file without first making sure that it was indeed accurate. Attached to this document I have also provided you with my police report.
|
| 07/17/2023 |
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
|
|
Web |
|
|
National credit systems is reporting negative results on my XXXX & XXXX and XXXX i asked all three credit bureaus for verification and original contract I never get a response this debt was sold to National credit system I have no contract with them and I asked for a 1099 for since it was wrote off and sold I never received the form.National credit system is adding a dollar to my account every month and take a dollar every month, i entitled to my consumer report and articles i asked for they are filing per FCRA 1681 e ( b ) they are using my information that I never consent to
|
| 12/16/2017 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
THE COMPANY NATIONAL CREDIT SYSTEMS HAS REPORTED A FALSE DEBT COLLECTION FOR A COMPANY CALLED XXXX XXXX XXXX, APARTMENT RENTAL COMMUNITY. THE LEASE CONTRACT THEY HAVE HAS A DIFFERENT DATE OF BIRTH AND MINE ON THE LEASE AGREEMENT, DESPITE 2 CERTIFIED LETTERS SENT TO NATIONAL CREDIT SYSTEMS, THEY HAVE REFUSED TO REPLY OR DELETE THE FALSE ACCOUNT. FEDERAL LAW PROHIBITS INACCURATE REPORTING WITH WRONG INFORMATION TO BE REPORTED TO ANY CREDIT BUREAUS. NATIONAL CREDIT SYSTEMS HAS ABUSED AND HAS IGNORED ALL MY ATTEMPTS TO RESPONCE OR DELETE THIS COLLECTION THAT DOES NOT BELONG TO ME.
|
| 04/26/2022 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have a email from this companys property manager XXXX XXXX, from Edge at XXXX XXXX XXXXShe approved my refund amount {$170.00} and I received it, now they put it on my credit saying I owe them. I have contacted this company and they send me to someone voicemail or take my name down but this never gets resolved. They sent it to collections NATIONAL CREDIT SYSTEMS. This place resolves nothing just tells me to call the Apartments if I want any information or get this resolved.I have never had a call or received anything in mail from either company regards to owing this amount.
|
| 12/11/2015 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Disclosure verification of debt
- Not given enough info to verify debt
|
|
Web |
|
|
We have been asking national credit systems for multiple years to send us verification of the charges that they are trying to collect. They always say they have the information and will mail it to us. It never comes so a few months later they call again. We have asked them to email or send the information certified mail to make sure we get it. They have told us that their company does not do that. I have disputed this account multiple times to get it off of my credit report and they will not remove it because National Credit Systems keeps reporting it as a delinquent account.
|
| 05/05/2020 |
Yes |
- Debt collection
- Other debt
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
A tree fell on my roof and the snow melted leaving my bedroom filled with black mold. When the maintenance removed the branches they broke my window. My attorney reached out no response for months. I moved.They kept my XXXX deposit and charged me XXXX. Therefore, I filed a civil lawsuit and I am prepared to ask for the maximum amount for damages. This is on my credit but there is no judgment from the court. This is an open case in XXXX County Magistrate Court naming XXXX XXXX XXXX as the defendant. You cant put this on my credit before the judge makes a ruling that I owe it.
|
| 04/14/2015 |
Yes |
|
- Incorrect information on credit report
- Account terms
|
|
Web |
|
|
The carpeting in our apartment was defective and improperly installed. We signed a lease renewal contingent on its repair. The apartments agreed to this and dispatched a repairman. The repairman caused further damage and was unable to repair. At move out inspection we were told it was not our fault and to not worry about it. The apartments turned around and put this into collections. The collections agency is hold my wife 's and my credit hostage to extort money from us for charges we do n't owe. Supporting documentation attached will help clarify our contentions. Thank you.
|
| 01/30/2023 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
On XX/XX/2021, XXXX XXXX XXXX added a derogatory mark on my credit report per XXXX. Upon further research, this account was transferred/sold and i am no longer responsible for the account. debtor creditor did not verify this collection. Also there was no written form of communication, contract or signature for this accused debt at all. a bill without a signature does not validate the debt and anybody can send a bill and say its mines. according to the FCRA, XXXX XXXX XXXX has violated my rights as a consumer and i'm requesting legal action to remove this account immediately
|
| 05/23/2022 |
Yes |
- Debt collection
- Other debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
Hello, On XX/XX/XXXX i sent an email over to the property manager, stating i will be moving out. My lease was fully signed for the new complex. Due to the pandemic the leasing office was closed. I was instructed to send an email to the main office, and they will attach it to my account. Nothing was ever done and about 4 months later i received an invoice saying i owe a balance that i didn't owe. I need to speak to whom ever to help me get this off my credit. I have exhausted all my resources and this is unfair and blocking me from moving again. someone please help me please
|
| 01/07/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
|
- Cont'd attempts collect debt not owed
- Debt is not mine
|
|
Web |
|
|
My old landlord is trying to come after me over a debt I do n't owe they sent me papers with my exs name on them and he was listed as a tenet I no longer have them papers but did take pics of them and of the parts that show only his name listed as a tenet and the letter being addressed to him when this debt occurred I was no longer living in the apartment and they told me I was takin off the lease I want this debt removed from my report because I do not owe it and have prof I was living else where when the debt occurred I told them that but no one ever got back to me on it.
|
| 09/13/2022 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
Servicemember |
|
Certified letters were sent to National Credit System at XXXX XXXX XXXX, XXXX Georgia, XXXX, tel. XXXX on XX/XX/XXXX and XX/XX/XXXX requesting that they remove an erroneous entry on my credit report in the amount of {$6800.00} and to date I have received no response. Certified letters were sent to XXXX XXXX and XXXX on XX/XX/XXXX requesting assistance. To date, I have received no response. On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX which directed me to the FTC website then I was redirected once again to the Consumer Finance Protection Bureau for assistance.
|
| 06/19/2021 |
Yes |
- Debt collection
- I do not know
|
- Attempts to collect debt not owed
- Debt is not yours
|
|
Web |
|
|
I have never contracted services with NATIONAL CREDIT SYSTEMS. I have never received any written communication to be able to review this alleged account prior to it showing up on my credit file. Upon reviewing my credit file, this alleged account is also beyond the STATUTE OF LIMITATIONS. NATIONAL CREDIT SYSTEMS is clearly in violation of the FCRA for failing to even notify me of this account, it simply appeared on my credit report. I will prepare a media kit to expose the fraud that has been committed against me to all local and national news stations alike if necessary.
|
| 06/09/2017 |
Yes |
- Debt collection
- Other debt
|
- Written notification about debt
- Notification didn't disclose it was an attempt to collect a debt
|
|
Web |
|
|
We moved in on XX/XX/XXXX to XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ) on a month to month bases and no contract. We were in the process of buying a home, we left the apartment onXX/XX/XXXX. We then found out that they were trying to charge us with the amount of XXXX dollars for a dirty stove and a few stains on the carpet, yet the apartment we received already obtained old appliances and an old carpet. This charge was sent to collections without any notice a dispute was then claimed upon us in our credit report, we are stating that we do not dispute this account.
|
| 12/15/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account status incorrect
|
|
Web |
|
|
I informed them i was not moving into their apartment complex at the end of XX/XX/2023, I never moved into the apartment. The property manager i spoke with whose name is XXXX XXXX with the XXXXXXXX XXXX XXXXXXXX, sent me an email explaining that she recognized that i didn't take ownership of the property and that There is a charge on my credit report for {$3900.00}. Therefore she understood that i should have never been charged. I informed her that this was an issue affecting my credit. XXXX acknowledged this was an error that should have never been on my credit report.
|
| 04/04/2022 |
Yes |
- Debt collection
- Mortgage debt
|
- False statements or representation
- Attempted to collect wrong amount
|
|
Web |
|
|
This company lies and have put this debt on my credit report under false pretense. XXXX the XXXX has yelled at me, called me remedial and hung up in my face after I told her the debt was invalid and I want it removed. This debt was added to my report without. my knowledge. I was made aware of that debt after it had been ok my credit report. I did not speak with this company at all. They are telling me they spoke with someone regarding the debt but it was not me. They are lying and refuse to remove this invalid debt that I was unaware of. I want this removed immediately.
|
| 10/02/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
|
- Incorrect information on your report
- Account information incorrect
|
|
Web |
|
|
National Credit Systems Inc has been reporting a erroneous information on my XXXX and XXXX credit profiles as a collection account. They are reporting this account as a joint account which it is not. I belongs solely to the primary on the account. They have also recently over the last coupled days updated the amount of the collections from {$1500.00} to {$1500.00}. Neither of these amounts reflect an accurate balance. I am demanding that all reporting attempts on this account cease and desist and be immediately deleted from my XXXX and XXXX credit profiles permanently.
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| 01/29/2017 |
Yes |
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- Cont'd attempts collect debt not owed
- Debt is not mine
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Web |
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I was XXXX years old when we moved to XXXX with my parents. We had to leave the complex because the house cought really bad mold and they never did anything about it. Then they put my parents debt into my credit report when I had nothing to do with the rental agreement since I was a XXXX at that time attending XXXX and they put that debt I my credit report. Now I have a daughter and a family and I need to rent and no one wants to take me because of something that was n't my fault to start with. I called them and they do n't want to do anything about it. Please help me!
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| 08/02/2023 |
Yes |
- Debt collection
- I do not know
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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National Credit Systems continues to report this fraudulent debt with the XXXX XXXX although it was disputed and deleted from my credit due to fraud. I have sent several disputes to this company to delete and it keeps showing up in other places. I am demanding this fraudulent debt be deleted PERMANENTLY from ALL SOURCES as it violates my rights and protection as a victim of identity theft. This is causing me a great deal of stress as its affecting my ability to secure housing for me and my family and if not deleted asap I will have no choice but to seek legal remedy.
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| 02/21/2019 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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THIS IS MY SECOND COMPLAINT AGAINST NATIONAL CREDIT SYSTEM! I HAVE RECENTLY SENT THEM AN AFFIDAVIT TO CEASE AND DESIST ALL COLLECTION EFFORTS, AND TO STOP REPORTING ON A FRAUDULENT DEBT THAT I HAVE KNOW KNOWLEDGE ON AND ALSO NO CONTRACTUAL AGREEMENT BETWEEN MYSELF AND ALSO THEIR COMPANY. I ALSO DON'T THINK THAT NATIONAL CREDIT SYSTEM HAS A LICENSE IN THE STATE OF TEXAS WHICH IS MY THIRD CONCERN WITH THIS COMPANY! AGAIN NATIONAL CREDIT SYSTEM IS IN VIOLATION OF THE FAIR DEBT COLLECTIONS PRACTICES ACT FOR TRYING TO COLLECT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT!
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| 05/09/2023 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Account information incorrect
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Web |
Servicemember |
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Please see the attached letter regarding the account that is not mine due to identity theft. I have filed all of the necessary forms including the FTC online form and affidavit. This is all equivalent to a police report as well. This is my second request to you to remove these fraudulent accounts from all three of the credit bureaus before I take legal action. Send the validation of these accounts as well with your response back to this complaint. I want the account name, account balance, past due amount, and date of last activity verified and provided to me as well.
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| 02/22/2023 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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On XX/XX/2023 I received a phone call saying I owed {$4200.00} to the national credit system. I told them the debt was not mine and they said through phone call that I would be receiving mail including more detail. That was the extent of the help. I did not know I can dispute it until I looked online. I filed police report, filed identity theft report with the FTC, called the original creditor, and the original creditor said it was not my social or birthday used, the person only had the same name. I think there was a mistake made on the part of the collection agency.
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| 07/07/2021 |
Yes |
- Debt collection
- Other debt
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- Took or threatened to take negative or legal action
- Threatened or suggested your credit would be damaged
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Web |
Servicemember |
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I co-signed a lease for my son for the XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX. He was evicted and I was later called repeatedly and notified in a letter from National Credit Systems , Inc XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX XXXX XXXX that a balance of {$11000.00} was owed. The XXXX XXXX never notified me of any owed rent. I also checked their website and it never showed anything about rent being past due. I mailed National Credit Systems, Inc a letter asking to please itemize specifically what is owed. I have yet to receive a response.
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| 06/21/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt was result of identity theft
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Web |
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I submitted an FTC report to all 3 credit bureaus on XX/XX/XXXX. XXXX and XXXX have removed the accounts on the report XXXX have not. These accounts were obtained through identity theft. Prior to filing an FTC report I reached out to the creditors to attempt to resolve the issue with out any success. The credit bureaus had 30 days upon receipt of my FTC report to remove named accounts from my credit report. The name accounts do not belong to me I never opened named accounts and would like them removed immediately Accounts in report : National credit systems XXXX XXXX
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| 02/09/2022 |
Yes |
- Debt collection
- I do not know
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
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Hello, I have made several attempts to verify debt on my current XXXX credit report by National Credit systems and they have continually been non responsive and have failed to provide verification of debt they are stating I owe. I have sent several letters to the creditor since XXXX and I have not received any response from none of the letters. I have also sent multiple communication to XXXX disputing the debt and it came back " verified '' according to XXXX but the creditor is refusing to send me written notification of the debt, verification that the debt is mine.
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| 11/09/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Incorrect information on your report
- Old information reappears or never goes away
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Web |
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In XX/XX/2017 I was XXXX and XXXX. I contacted the leasing office at my apartment and notified them that I was going to be incarcerated. We made a verbal agreement that they could keep my security deposit and lease my apartment. I was told 3 weeks later that there was a new tenant in my apartment. However nearly a year later the full balance of my lease agreement was reported to my credit report. I have disputed this many times to no avail. I believe this should be removed from my credit report because the company re leased my apartment within weeks of me vacating.
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| 05/19/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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I received a response to a former complaint on cfpb by National Credit Systems, that they will be removing an inaccurate collection account on my credit profile from each credit bureau on XX/XX/21. This inaccurate collection account remains on my XX/XX/XXXX credit report and National Credit Systems have been unresponsive to my request to delete this inaccuracy from my credit report immediately as its still currently showing on my profile and its negatively affecting my ability to obtain credit. They have NOT deleted the account as they promised to do so accordingly.
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| 08/10/2019 |
Yes |
- Debt collection
- I do not know
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- Took or threatened to take negative or legal action
- Collected or attempted to collect exempt funds
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Web |
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I was illegally evicted from an apartment complex in 2013 and am still appealing the original sham court 's rubber stamp decision for the plaintiffs for constitutional, other statutory and civil procedural errors. The case is now pending in the New Mexico Supreme Court, Case No. XXXX. I believe that is enough to have the debt removed from my credit bureau reports. However, my sole income was and remains SSDI, which is exempt from collection. So the CRA is breaking two laws. My friend, former roommate and co-appellant in the pending NMSC case, XXXX XXXX, is DECEASED.
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| 02/04/2019 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive enough information to verify debt
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Web |
Servicemember |
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National Credit Systems , Inc has failed to properly submit verification method of a debt that the original creditor placed on my credit report in XXXX of XXXX. Last payment that was paid on the account was XX/XX/XXXX in which the statue of limitations for the State of Texas is a total of 4 years.
Its a violation of the collection practices act for a debt collector to refuse to send a fail to respond to a verification letter. Relying on an automated third-party system called XXXX is not a valid method of verification according to the Fair Debt Credit Reporting Act.
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| 02/12/2017 |
Yes |
- Debt collection
- Other (i.e. phone, health club, etc.)
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- Cont'd attempts collect debt not owed
- Debt was paid
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Web |
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Hello - I have a entry on my credit report from National Credit Systems. They say I owe an old apartment complex I used to live in for a couple of months rent. However - I had moved out early from the apartment, thus ending my contract early. I even paid the early termination fee.
However - National Credit Systems is saying that I owe the apartment complex for the rest of the contract, even though I cancelled it early. I have told them that, and they still entered the information onto my credit reports.
I can provide evidence that I cancelled the contract early.
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| 07/07/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Impersonated attorney, law enforcement, or government official
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Web |
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Said company has violated my consumer rights Under 15. U.S 1692e- False or misleading representations Adebtcollector may not use any false, deceptive, or misleading representation or means in connection with the collection of anydebt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 3 ) The false representation or implication that any individual is an attorney or that any communicationis from an attorney.
Attached letter was sent on behalf of National Credit Systems, which is a violation under law
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| 06/17/2021 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Indicated you were committing crime by not paying debt
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Web |
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NATIONAL CREDIT SYSTEMS add a derogatory marks on my credit reports. Upon further research, this account was transferred /sold to a third party collection agency Debtors creditors did not verify this collection. Also there was no written form of communication, contract or signature for this account debt at all. A bill without signature does not validate the debt and anybody can send a bill and say it is mine. According to the FCRA and HIPPA NATIONAL CREDIT SYSTEMS has violated my rights as a consumer and I requesting legal action to remove this account immediately.
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| 04/03/2023 |
Yes |
- Debt collection
- Other debt
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- Written notification about debt
- Didn't receive notice of right to dispute
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Web |
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The creditor failed to send me notice about the alleged account. I learned of the account via my credit report. The account shows an open date of XX/XX/2023 and an adverse report date of XX/XX/2023. Typically an account goes into collections after 90 days. However this was not the case, because on XX/XX/2023 the account would legally be called a charge off. At that point, the alleged account qualified for collections. The collection agencys illegal practices are damaging my credit. I demand that National Credit Systems remove this account from my file Immediately.
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| 01/31/2018 |
Yes |
- Debt collection
- Other debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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my previous complaint with c.f.p.b XXXX against national credit systems responded to your department that they would delete this collection from all credit bureaus, and they have, however they are still reporting the same collection with a different account number to all credit bureaus which is XXXX (XXXX XXXX}.they need to remove the same disputed collection from all credit bureaus with this account number XXXX. they also must inform your department that this account number will also be deleted since its the same fraudulent collection as before falsely reported.
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| 09/25/2017 |
Yes |
- Debt collection
- I do not know
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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In 2013, the validity of the collection account was disputed over the phone and all contact directed to my attorney.
Account Number : XXXX Original Creditor : XXXX XXXX By communicating the debt to credit reporting bureaus, e.g., XXXX, without acknowledging that the debt is disputed, National Credit Systems violated the FDCPA for the failure to communicate that a disputed debt is disputed.
For reference : 1. The " original creditor '' is no longer in business.
2. The statute of limitations for enforcing this type of debt through the courts in Texas has expired.
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| 11/06/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Problem with a company's investigation into an existing problem
- Investigation took more than 30 days
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Web |
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This company 's consistent violations of my consumer rights under the Fair Debt Collection Practices Act have caused significant financial and emotional distress They continue to report an erroneous and unverifiable account on my credit report, despite my repeated requests for proof of claim as required by the FDCPA My efforts to rectify this situation have fallen on XXXX ears. Despite the existence of multiple complaints against them for Illegal and unethical practices, they continue to operates implore you to intervene and put an end to thee unethical behavior
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| 11/10/2021 |
Yes |
- Credit reporting, credit repair services, or other personal consumer reports
- Credit reporting
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- Problem with a credit reporting company's investigation into an existing problem
- Their investigation did not fix an error on your report
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Web |
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My name is XXXX XXXX XXXX, and I am sending this request myself to address the inaccuracies on my XXXX XXXX. I have been patiently waiting on their response about the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes.
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| 11/12/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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the company National Credit system is trying to add more money onto a debt for 3 times the amount that was passed judgement in court.
the debt was taken into judgement by the court on or about the end of XXXX final judgement in court was to pay of the amount of {$1200.00} which is the rent due for one months rent. The collection company had tripled the amount due to $ {$3500.00}. request for detailed debt verification has failed and none has been provided. this amount is not what was passed judgement in court. the company has then put this amount on my credit.
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| 09/16/2023 |
Yes |
- Credit reporting or other personal consumer reports
- Credit reporting
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- Improper use of your report
- Reporting company used your report improperly
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Web |
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I requested the following : 1. An agreement between their agency and the original creditor showing that they are authorized to collect this debt in their behalf. 2.original agreement between the alleged debtor and the original creditor showing where they agreed to payment terms. 3.amount of commission paid to debt collector if debt collection is successful. 4.name and address of original creditor. 5.address on file for the alleged debtor. If these items can not be furnished with 30 days I request the item be removed from all credit bureaus, XXXX, XXXX and XXXX.
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| 12/03/2020 |
Yes |
- Debt collection
- Mortgage debt
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- Attempts to collect debt not owed
- Debt is not yours
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Web |
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It was brought to my attention, when I was trying to rent a property and got deny. They told me to check my credit report and that's what I did. And that when I saw National Credit Systems on my credit report and it was a balance of XXXX on my credit. I told them I never live at that address in question and was not aware of this on my credit. I told them I live at another address for 11 years so that couldn't be my balance. I sent them a georgia power bill of residency and rental applications I did in XXXX my georgia power bill was from XX/XX/XXXX to XX/XX/XXXX
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| 04/09/2019 |
Yes |
- Debt collection
- Other debt
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- False statements or representation
- Attempted to collect wrong amount
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Web |
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I have made numerous attempts to have National Credit Systems be removed from my credit report do to inaccurate information being reported, I did try to verify the outstanding account with the information that is being reported on the National Credit Systems website but it shows that i do not have an account. I have not had any successful attempts in getting the information updated on my credit report to have it removed. I contacted the collection agency directly and there is a different amount the what is being reported. No one is assisting me with this issue.
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