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 4

2019-10-14

Lewisville, TX

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-14

Beaufort, SC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Company Response: In progress

Timely Response

2019-10-13

Little Rock, AR

False statements or representation

Debt collection: Other debt

Impersonated attorney, law enforcement, or government official
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-13

Bethlehem, GA

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt is not yours
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-12

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-10-11

Johns Creek, 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

Timely Response

2019-10-09

Phoenix, AZ

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-08

Patterson, MD

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-08

Oxford, GA

Written notification about debt

Debt collection: Mortgage debt

Didn't receive enough information to verify debt
Complaint: I made a payment to National Credit Systems , Inc on the XXXX of XXXX, 2019 and as of today the XXXX of XXXX, 2019 I have not received any notification for the payment of {$150.00} made, neither they did not notify XXXX XXXX apartment about the payment made and this is affecting me negatively to get a new apartment.
Company Response: Closed with explanation

Timely Response

2019-10-08

Five Points, NC

Communication tactics

Debt collection: Other debt

You told them to stop contacting you, but they keep trying
Complaint: I have told this company and 3rd party company regarding this matter not to contact me via my cell phone nor work phone line. This company has called me repeatedly and on different days and times during my work hours despite telling them to correspond via US mail only. For example, they have called at : XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX XX/XX/19 @ XXXX XXXX
Company Response: Closed with explanation

Timely Response

2019-10-08

Columbia, SC

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.
Company Response: Closed with explanation

Timely Response

2019-10-08

MA

Took or threatened to take negative or legal action

Debt collection: Other debt

Threatened or suggested your credit would be damaged
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-08

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Closed with explanation

Timely Response

2019-10-06

Lk Buena Vis, FL

Problem with a credit reporting company's investigation into an existing problem

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Their investigation did not fix an error on your report
Complaint: 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
Company Response: Closed with explanation

Timely Response

2019-10-06

CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-05

Houston, TX

Written notification about debt

Debt collection: I do not know

Didn't receive notice of right to dispute
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-04

Alachua, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I received a letter from a Debt collection company ( National Credit Systems Inc. on XX/XX/2019 in the amount of {$390.00} for XXXX XXXX XXXX XXXX XXXX. I am the victim of Identity Theft and have filed a police report which I will be attaching. I have sent a letter disputing these charges on XX/XX/2019 and they sent another collection letter in XX/XX/2019 and responded by sending another letter disputing the charges on XX/XX/2019. I am currently in the process of responding with a third letter with a copy of my police report.
Company Response: Closed with explanation

Timely Response

2019-10-04

El Paso, TX

Getting a loan or lease

Vehicle loan or lease: Lease

Fraudulent loan
Complaint: National credit system this is not mine someone use my identity and received this lease under my name I need it of my credit I deman it of my credit.
Company Response: Closed with explanation

Timely Response

2019-10-03

MI

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-10-02

Cou Falls, IA

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Closed with explanation

Timely Response

2019-10-01

Fort Worth, TX

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: 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.
Company Response: Closed with explanation

Timely Response

2019-09-30

South Florida, FL

Attempts to collect debt not owed

Debt collection: Other debt

Debt was result of identity theft
Complaint: I have been reaching out to XXXX and also Reaching out to national credit systems about this matter over a year. I have provided my police reports and no one has responded about this debt of my report. No one is adhering to the laws set in place by the fcra that protects me as the consumer for having unfair and untrue things on my credit report. this matter is hurting my family and i and preventing me from obtaining jobs and securing a home for my children and I.
Company Response: Closed with explanation

Timely Response

2019-09-30

La Vernia, TX

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: I sent a certified return receipt letter with sufficient evidence of the amounts that I paid to the rental property on XX/XX/XXXX. I also followed up with an email on XX/XX/XXXX. I have disputed this on my credit report also on the XX/XX/XXXX with all 3 credit bureaus. They are stating I owe them {$240.00} which I do not.
Company Response: Closed with explanation

Timely Response

2019-09-30

San Francisco, CA

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

Timely Response

2019-09-30

Charlotte, NC

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

Timely Response


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