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 6
2019-09-13
Oxford, GA
Took or threatened to take negative or legal action
Debt collection: Mortgage debt
Threatened or suggested your credit would be damaged
Complaint: 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.
Company Response: Closed with explanation
2019-09-12
Mabank, TX
False statements or representation
Debt collection: Other debt
Impersonated attorney, law enforcement, or government official
Company Response: Closed with explanation
2019-09-11
San Antonio, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-09-11
Houston, TX
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: I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX XXXX XXXX XXXX, GA XXXX
Company Response: Closed with explanation
2019-09-11
South Florida, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Complaint: 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
Company Response: Closed with explanation
2019-09-11
Houston, TX
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: I wrote a letter to the Collection company trying to get them to validate the debt and they did not respond I sent the letter certified with return receipt they did not reply but at the same time I disputed the item with the credit bureaus and they got a response it doesnt make any sense. The company is national credit systems Account number XXXX National credit systems Account number XXXX based out of XXXX Georgia Address XXXX XXXX XXXX XXXX XXXX, GA XXXX
Company Response: Closed with explanation
2019-09-10
Scottsdale, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Old information reappears or never goes away
Complaint: These companies need to correct the open date to correctly reflect the day these accounts went into collection. Aging account by fraudulently reporting the wrong open date for this debt.
Account Name Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX National Credit System XXXX XXXX XXXX XXXX
Company Response: Closed with explanation
2019-09-09
Little Rock, AR
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: 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.
Company Response: Closed with explanation
2019-09-09
Arlington, TX
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-09-08
Scottsdale, AZ
Attempts to collect debt not owed
Debt collection: Medical debt
Debt was result of identity theft
Complaint: 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.
Company Response: Closed with explanation
2019-09-08
Bremen, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was already discharged in bankruptcy and is no longer owed
Complaint: 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.
Company Response: Closed with explanation
2019-09-06
Charlotte, NC
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Company Response: Closed with explanation
2019-09-06
Grand Island, NE
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened to sue you for very old debt
Company Response: Closed with explanation
2019-09-05
Norman, OK
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Company Response: Closed with explanation
2019-09-05
Mill Valley, CA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: 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.
Company Response: Closed with explanation
2019-09-04
Alafaya, FL
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Closed with explanation
2019-09-04
Port Orange, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-09-03
MO
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: XXXX XXXX XXXX has called me telling me i owe XXXX $ for 3 months of rent but me and my wife were on three month leases and were there for 6 months and on top they cant give me any proof of the lease or anything
Company Response: Closed with explanation
2019-09-03
Carver, MA
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: 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.
Company Response: Closed with explanation
2019-09-02
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-08-31
Louisville, KY
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: 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
Company Response: Closed with explanation
2019-08-30
Sacramento, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: 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.
Company Response: Closed with explanation
2019-08-30
Ashland, KY
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Company Response: Closed with explanation
2019-08-29
Haskins, OH
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: This debt was settled paid as agreed. They said they would not report this as a collection. This was first reported XX/XX/2018.
Company Response: Closed with explanation
2019-08-29
Henderson, NY
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I never received my right to dispute under the FCRA. Please remove this from my credit report.
Company Response: Closed with explanation