National Credit Systems,Inc.

2016-12-16

Austell, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-16

Vicksburg, MI

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: This does not belong to me.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-16

Bremen, GA

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-14

Chandler, AZ

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-13

Middleburg, FL

Improper contact or sharing of info

Debt collection: Other (i.e. phone, health club, etc.)

Talked to a third party about my debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-13

Bedford, TX

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt is not mine
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-08

La Vernia, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: I had a lease with my apt XXXX complex and paid all of XXXX rent and had a termination fee due at the end of XXXX. The asst. manager contacted me and said if I would move out within 3 days all fees would be forgiven. The people wanting the apt needed it immediately. I received a letter from National Credit Systems Inc for {$2100.00}. for failure to pay the apt XXXX company National credit acct. # XXXX
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-08

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt is not mine
Complaint: I lived in XXXX XXXX because it was required of me when I accepted the job as a manager. I never signed or was bound by a lease. I lived in the apartment for the time I worked for the apartments and when I was no longer working as manager I moved out of the apartment. There is absolutely no reason this erroneous debt should be reporting on my credit file!
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-07

Tubac, AZ

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Right to dispute notice not received
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-07

Quartzsite, AZ

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-07

Pflugerville, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: 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.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-12-05

Cocoa, FL

Cont'd attempts collect debt not owed

Debt collection: Medical

Debt resulted from identity theft
Complaint: 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
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-05

Addicks, TX

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-12-02

Phoenix, AZ

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-12-01

WV

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Complaint: Attempted to call me FIVE times today alone about a family member 's debt whom does not live in my household. That family member called today and requested that he stop calling me, yet he had called twice since after that phone call!
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-11-30

Fort Worth, TX

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info to verify debt
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-29

Houston, TX

False statements or representation

Debt collection: Other (i.e. phone, health club, etc.)

Attempted to collect wrong amount
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-11-29

NC

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Used obscene/profane/abusive language
Complaint: 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
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-11-28

Atlanta, GA

Disclosure verification of debt

Debt collection: Mortgage

Right to dispute notice not received
Complaint: 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!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-28

Taft, OH

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt was paid
Complaint: This debt is not valid. The information is inaccurate. They are trying to charge me for things that did not even exist. They said I owe XXXX but in cost to repair it says XXXX dollars. Then when I ask for explanation of charges they send me a maintenance price list in which half of the items are not even on the move out sheet. This has cost my family to be homeless among many other things.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-26

Rock Hill, SC

Taking out the loan or lease

Consumer Loan: Installment loan

Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-11-25

Albuquerque, NM

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Threatened arrest/jail if do not pay
Complaint: US Magistrate XXXX has closed this Case. Yet, the Proprietor/Defendent is insistent upon A Contiuning Gross Charging in a Cases of Gross Fraud, Theft and Scamming.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-11-22

Orange Park, FL

Cont'd attempts collect debt not owed

Debt collection: Other (i.e. phone, health club, etc.)

Debt resulted from identity theft
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-11-22

Houston, TX

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I have no recollection of this collection. NATIONAL CREDIT SYSTEMS. Never signed a contract with this company. I have written them directly and received no response. Someone either from a data breach or theft of my purse has use my information to obtain all kinds of weird things. I 'm tired of trying to call when they just tell me I owe the debt and do n't care to help.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-11-22

Church Point, LA

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Frequent or repeated calls
Complaint: 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
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response