National Credit Systems,Inc.
Consumer Complaints
There are over 2605 complaints on file for National Credit Systems,Inc.. Dated between 2019-12-10 and 2013-07-10.
Complaints Page 10
2019-07-12
Austin, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: 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.
Company Response: Closed with explanation
2019-07-12
Rncho Domingz, CA
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: To whom it may concern, I am submitting this letter to dispute one ( 1 ) in proper XXXX XXXX that is appearing on my credit report. On XX/XX/2014 09 XXXX XXXX XXXX are stating that I owe a previous balance XXXX. I do not have any knowledge of the debt that the company is demanding, I would like a full investigation of this matter.
With all the information that I have provided to you, I ask that my complaint be conspired as a dispute or considered as fraudulent charges made against me.
Company Response: Closed with explanation
2019-07-11
Conyers, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Closed with explanation
2019-07-11
GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: 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.
Company Response: Closed with explanation
2019-07-11
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-10
La Vernia, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: 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.
Company Response: Closed with explanation
2019-07-10
Olpe, KS
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: 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.
Company Response: Closed with explanation
2019-07-10
Oro Valley, AZ
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Company Response: Closed with explanation
2019-07-06
Five Points, NC
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Complaint: I have encountered with an account that I have never opened. XXXX XXXX XXXX has issued a debt and went into collection its {$1200.00}. I know its not a lot of money but why would I pay for money I never used? Ive been trying to fight this off my credit and I came to find out about these accounts when I got out of my XXXX and logged into XXXX XXXX. I was shocked oh how many inquiries and this account were open. Please help me. My identity was stole and I have attached a statement.
Company Response: Closed with explanation
2019-07-05
NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: 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.
Company Response: Closed with explanation
2019-07-05
Orlando, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-07-05
Mount Holly, OH
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: We paid the account in full and we were advised the accounts would be removed from our credit bureaus. On XX/XX/XXXX we paid the account in full totaling {$640.00}. It has been removed from XXXX but not from XXXX.
Company Response: Closed with explanation
2019-07-05
Knoxville, TN
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: 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.
Company Response: Closed with explanation
2019-07-05
MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: 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.
Company Response: Closed with explanation
2019-07-04
Charlotte, NC
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-07-04
Union City, GA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Closed with explanation
2019-07-03
Mankato, MN
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-07-02
Winnsboro, LA
Problem with a company's investigation into an existing issue
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Their investigation did not fix an error on your report
Complaint: I have went to XXXX apartments and talked to the owners they are willing to clear up everything but no one is returning her phone calls
Company Response: Closed with explanation
2019-07-02
Newnan, GA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: National Credit System # XXXX is reporting a debt I do not owe. I have no idea where this balance has come from, I left on good terms with them and even got my full deposit back. I've received no notifications for this debt and have no idea why this is here. This debt is not mine and I do not owe it.
Company Response: Closed with explanation
2019-07-02
GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I've contacted this company to get information on why my balance is so high. They haven't sent me any itemized bill showing why I owe them. I finished my lease at The XXXX at XXXX apartments. They only send me my lease when i ask them to verify the debt. These charges are outrages and I would like them to remove it from each credit bureau immediately, and stop all collections from here forward.
Company Response: Closed with explanation
2019-07-01
MS
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: 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.
Company Response: Closed with explanation
2019-07-01
Chincoteague, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-07-01
Howell, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-07-01
FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: 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.
Company Response: Closed with explanation
2019-06-30
AZ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: 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.
Company Response: Closed with explanation