National Credit Systems,Inc.

2016-10-28

Amarillo, TX

Taking/threatening an illegal action

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

Threatened to sue on too old debt
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-28

Detroit, MI

Improper contact or sharing of info

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

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

Disputed: No Timely Response

2016-10-27

Atl, GA

False statements or representation

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

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

Disputed: Yes Timely Response

2016-10-27

Thompsons Station, TN

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I received notification and phone call from National Credit System about a debt said owed to XXXX XXXX, I contact XXXX XXXX in regard to why i was receiving calls from National Credit System. XXXX XXXX XXXX stated that the previous property management showed I owned a debt but they could not locate the owed debt or a file belong to me. I have documentation on final payment and a move out clearance letter from XXXX XXXX that no balance are owed.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-26

Houston, TX

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2016-10-26

Mountain View, OK

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: The company is attempting to collect a debt that is past that statute of limitations in Oklahoma. Per Oklahoma Law " Collection of Rents is 5 yrs. Tit. 12 95 ( 11 ) ''. The debt is from XX/XX/2010, which is well beyond the limitation set by the state of Oklahoma.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-10-26

Holmes Center, IL

Communication tactics

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

Called after sent written cease of comm
Complaint: 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!!!!!!!!
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-24

Birmingham, AL

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Company Response: Company believes complaint caused principally by actions of third party outside the control or direction of the company Closed with explanation

Disputed: No Timely Response

2016-10-24

Grangeville, LA

Disclosure verification of debt

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

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

Disputed: Yes Timely Response

2016-10-22

Washington, DC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I NEVER lived in North Carolina. So how can l be charged for something l dont know about. Yes l had family there and still there.l just recently got an INCOME. I HAVE NOT DID ANYTHING TO OWN ANYONE. SOMEONE MUST HAVE USED MY NAME.I AM NOT RESPONSIBLE FOR THIS.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-21

Tacoma, WA

Improper contact or sharing of info

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

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

Disputed: Yes Timely Response

2016-10-21

Moapa, NV

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: Yes Timely Response

2016-10-18

Clarksville, TN

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 disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-10-18

Leeton, UT

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

Disputed: No Timely Response

2016-10-16

Bordersville, TX

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: No Timely Response

2016-10-14

Cortaro, AZ

Cont'd attempts collect debt not owed

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

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

Disputed: Yes Timely Response

2016-10-14

Buckingham, TX

Cont'd attempts collect debt not owed

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

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

Disputed: Yes Timely Response

2016-10-13

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: National credit system is reporting a collection item in my credit report. I has asked the collection agency to provide me with the original documentation regarding this debt. FCRA requires that I am entitled to receive the original documentation regarding negative items but National Credit System is not providing me the original documentation and reporting unverified item in my credit report.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-12

Clair Mel, FL

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-12

El Paso, AR

Disclosure verification of debt

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

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

Disputed: No Timely Response

2016-10-12

SC

Disclosure verification of debt

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

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

Disputed: Yes Timely Response

2016-10-11

Austin, TX

Improper contact or sharing of info

Debt collection: I do not know

Contacted employer after asked not to
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-10-11

Conyers, GA

Disclosure verification of debt

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

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

2016-10-11

Oxford, GA

False statements or representation

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

Attempted to collect wrong amount
Complaint: 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.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-10-11

Oxford, GA

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response