National Credit Systems,Inc.

2016-09-09

Tibbs, MS

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have recently relocated to Mississippi a couple months ago for a job and applied to get a home loan for my boys and I to buy a house. I was told that I had a negative mark on there from National Credit Systems for over {$7000.00}. I have never had a negative mark on my credit for anything. I am a single mom and have always protected my credit and finances. I talked to my attorney and he informed me that it is illegal to collect on a debt past the 3 year SOL in Mississippi. I tried disputing this account several times in the couple of months and have gotten nothing back from these people. I want this fraud charge off.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-09-09

KY

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I have never received a letter or been called about this debt. I did not know it existed until I applied for an apartment and they brought it to my attention. When I called National Credit Services to explain I have never in six years been made aware of this debt I was told by a XXXX XXXX that my only option was to pay. I fully dispute this debt, as it was for an early termination fee that I was made to understand would be collected from my initial deposit on the apartment that sent this debt to collection. Because it has been six years, I no longer have paperwork regarding that apartment and the apartment no longer exists, as it was bought out by new management years ago. So I am not able to see if the apartment still has records on file. XXXX XXXX also told me I can not dispute the debt and when I asked for written verification of the debt, he said it would take three weeks to send it out to me. Under law, I believe they have five days to do so. I would like to dispute this debt, but the rep from National Credit Systems in XXXX GA refused to give me information besides repeating the amount and name of the apartment. I am also unsure if this debt can legally be collected because of how old it is. When I asked him if it had reached the statute of limitations time limit, he said he did n't know what that was. He puts me on hold for XXXX min in order to avoid my call and I have still never received a letter or call from them.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-09-08

Hilshire Village, TX

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-09-08

Cromwell, CT

Cont'd attempts collect debt not owed

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

Debt is not mine
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

2016-09-06

Boston, MA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
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

2016-09-06

Holmes Center, IL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: THIS IS THE UMPTEENTH TIME THAT I HAVE REPORTED THESE PEOPLE!!!!!!!!!! THIS {$5900.00} NEEDS TO BE OFF OF MY XXXX CREDIT BUREAUS!!!!!!!!!! I ASKED FOR IT TO BE REMOVED BEFORE AND IT WAS, NOW, IT 'S BACK ON MY XXXX XXXX REPORT!!!!!!! KEEP THIS XXXX OFF OF MY XXXX REPORT!!!!!!!!!! THESE PEOPLE LIED AND SAID THEY SENT FRAUD PACKETS!!!!! NEVER GOT THEM!!!!!! AND THE POLICE DO N'T DO ANYTHING WITH REGARDS TO ID THEFT!!!!!!!!
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-09-03

Lewisville, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: I was sent a letter dated XXXX/XXXX/16 stating I could settle my debt for XXXX % of the balance due if paid by XXXX/XXXX/16. On XXXX/XXXX/16 I submitted a payment for the amount requested. Two weeks later the collection agency, instead of removing the debt from my credit report, updated my credit report to show I now only owed them half of the amount.
Company Response: Company believes complaint is the result of an isolated error Closed with explanation

Disputed: No Timely Response

2016-09-02

Sacramento, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: There is an open account on my credit that is not my responsibility, if there is strong belief that it is my debt then i would like all paperworking providing information that it is in fact my responsibility.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-01

CA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: On XXXX XXXX, XXXX I was given a written notice to vacate my apartment @ XXXX XXXX XXXX XXXX, XXXX, XXXX CA XXXX in 72 hours. The reason given : I was a nuisance to management & community.In XXXX XXXX I attended a City Council meeting with a list of complaints against XXXX XXXX, the mangement Company, based in XXXX.In the following month I was given a bill wanting me to pay {$930.00} for the monthly rent of XXXX, XXXX & XXXX XXXX. When I refused to pay it they sent it to a collection agency & it now affects my credit & I am not able to rent another apartment. So, now I am a homeless, XXXX Veteran. Can you please help me? I am presently living in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a XXXX voucher since XXXX XXXX, XXXX but not able to secure any permanent housing because of this unfair credit report,
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-09-01

Holmes Center, IL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: WHY IS THIS STILL ON MY XXXX REPORT?!!!!! IT NEEDS TO BE REMOVED DUE TO ID THEFT!!!!! NATIONAL CREDIT SYSTEMS!!!!
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-08-30

TX

False statements or representation

Debt collection: I do not know

Attempted to collect wrong amount
Complaint: A death occurred in my apartment while I was away from home for about a week. When i came back it was a month before my movout date but felt early departure was nessisary due to the current circumstances. Upon looking for a new residence to live in, 10 months after i moved out, I am finally notified of the remaining balance owed to my apartment managment. I called my old apartment complex to try and resolve the issue. They insisted that I come by in person and pay the full amount, totaling over {$5000.00}, in cash. I called the collective agency and they informed me that the aprtment complex was legally obligated to resolve this debt through a collector, but they had no documentation of a claim. I myself had to coordinate between the debt collector and apartment to get a claim filed. This took about a week and by the time it was filed my apartment was under new management. I decided to go in person and speak with this new manager. She told me that she was not informed about the situation at all, so we went over my account and she was appauled with how many unnecessary charges were present. Not only did she deduct about {$1000.00} worth of charges, she also told me that the previous managment had never recieved my former roomates social security number and there was no way to contact him or hold him liable for any part of the debt. At this point the consistancy of unprofessional occurrences led me to the believe that this dispute was nessisary. Not only did they try and over charge me AND pocket the money without going through an agency, but the lease was faulty from the beginning, and they knew i would be the only XXXX able to be held liable for any charges upon moving out.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-30

Oxford, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Hi. My dad and I rented a property together in XXXX. My dad fell ill with a XXXX and his doctor ordered that he be placed in a XXXX ( XXXX ). My dad actually qualified for the property due to his financial status. However when my dad moved, so did most of our resources, leaving me with my income to care for the household. I got behind 45 days and received an eviction notice. I concurred with the eviction and vacated the property in XXXX XXXX or XXXX XXXX. Homeless, my XXXX kids and I stayed in a motel.To make a long story short, in XXXX of XXXX, out of NOWHERE, i received a letter from National Credit XXXX from the property management company saying I owe {$7900.00} for various damages. I left the property clean with no damages. I have been away from this property for over a year and some months!!! I paid {$50.00} to speak with an attorney for 30 minutes. He stated that " a landlord/property management company have 30 days to go after a tenant for property damages in the state of Georgia ''. I already have a charge of {$1000.00} plus {$1900.00} for the eviction and whatever else, on my credit report from them. Please help, I do n't have money for an attorney to help me get this off my credit reports.
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

2016-08-29

Daphne, AL

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2016-08-29

Fort Lee, NJ

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: Yes Timely Response

2016-08-28

Kennesaw, GA

Disclosure verification of debt

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

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

Disputed: Yes Timely Response

2016-08-28

Marysville, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: No Timely Response

2016-08-26

Scottsdale, AZ

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Hello, My name is XXXX XXXX XXXX and my Fair Credit Report Act rights were violated. On XXXX XXXX, XXXX. I was contacted by National Credit Systems on behave of XXXX XXXX XXXX. The letter was to collect a debt of XXXX. I have no knowledge of a balance with XXXX XXXX XXXX. I moved out XX/XX/XXXX. I was never contacted by the XXXX XXXX XXXX saying a owed them money. So when I got the letter from National Credit Systems a year later, I was shocked and surprise. I then wrote a letter on XXXX XXXX, XXXX. ( See Dispute letter attached ). I wanted them to validated the debt. On XXXX XXXX, XXXX. I received a letter saying they investigated the debt. However, the document they sent me are not sufficient evidence saying I owed this money. Print out with no signature, no hand written date and my lease. Just an electronic print out that could be doctored up to reflect dates they want to reflect. Around XXXX XXXX. I wrote and sent another letter ( trying to locate that letter ). I asked for postmark date mailing to prove that they tried to contact me before placing in collections, asked for move out paperwork with signature, walk through paperwork, payment history. On XXXX XXXX, XXXX, I received mailing stated that I did n't have sufficient evidence to validate my claim. Which was confusing because I 'm not the on making a claim of money owed. The burden of proof is on them to prove they did their due diligence. On both letter, it states national credit systems will revise or delete the information it may have reported on my credit report. On XXXX XXXX, XXXX, I applied for a car loan and was denied mainly for having time since delinquency is too recent, serious delinquency filed and time since collection is too soon. So after being denied for delinquency and collection ( See XXXX Load attachment ). I paid XXXX so I can look at my report. On XXXX XXXX, XXXX a collection was place on my credit report by National credit systems ( see XXXX attachment ). However, my first contact with them was XXXX XXXX, XXXX. On XXXX XXXX, XXXX, I place a dispute with dispute with XX/XX/XXXX and a few hours later National credit system collection was removed. ( see XXXX investigation attachment ). National credit systems put a collection on my credit report before ever validating the debt. Also, the failed to remove the collection while my case was under investigation. I was denied car loan I desperately need, because of these legal act and practices by National Credit systems. My Fair Credit Report Act right were violated, National Credit systems were negligent and careless. My credit profile with my bank put me in a bad light. They did n't report my collection as a dispute. NCS defame my character.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-08-24

Greenwood, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: National Credit Systems refuses to send me documentation proving that this debt is mine. They are unprofessional and I believe this company to be a fraudulent den of thieves. The manager XXXX XXXX hung up on me when I simply requested documents to prove this debt is mine. After, I called back after being rudely hung up on and spoke with a " XXXX XXXX '' who told me that paperwork was indeed sent out. This was weeks ago and I have received nothing from them.
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

2016-08-24

Phoenix, AZ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This debt was incurred by my ex-husband by living in an apartment where we both lived when we were together. The debt is only in my name shared with a previous roommate 's. I have supporting evidence that my ex and I were legally separated when this debt was incurred. When going to visit the property management company, I was told to leave the office because they could n't help me. I was embarrassed and treated very poorly. This debt does not belong to me and they did not give me a chance to resolve this with them. Instead, it was sent to collections under my name instead of my ex-husband 's. I lived in this apartment with another roommate before my then-husband moved in with me. My roommate moved out at the same time. Now her ( ex-roommate ) and I are being charged each for the FULL amount instead of half each. We also each received an offer for resolution claiming we only have to pay 50 % of the debt. But if we were to accept it, we 'd still be paying the full amount together. The property management company is completely unprofessional and dishonest.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-08-23

Dunlap Lake, IL

False statements or representation

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

Impersonated an attorney or official
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-08-22

Fort Lauderdale, FL

Cont'd attempts collect debt not owed

Debt collection: Credit card

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

Disputed: No Timely Response

2016-08-20

Gloucester City, NJ

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have received letters from National Credit Systems Inc. located in XXXX, XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX They claim I owe {$3000.00} from XXXX XXXX XXXX where I have never lived.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-19

Ft Myers, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-08-18

South Florida, 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

2016-08-18

Wagoner, OK

Cont'd attempts collect debt not owed

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

Debt is not mine
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