National Credit Systems,Inc.

2016-08-02

Houston, TX

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

2016-08-02

Scottsdale, AZ

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: The debt was passed to the collection agency corresponding to this complaint without notice from rental property the debt allegedly originated from. After my attorney contacted the rental property, the debt was dropped due to its erroneous nature. I contacted the collection agency by phone to advise them the collection was being dropped. The rental property sent an email that day to the collection agency, with me copied on it, stating that the debt was cleared and the account should be closed. The following day I checked the collection agency 's website ( www.nationalcreditsystems.com ) and noticed the original amount was still listed as owed. I contacted them via email, and was told that the website did n't update daily. However, two weeks have passed since this communication, but the website still shows the balance as owed. Although I have received an email communication from the collection agency stating that the account was closed, I 'm concerned with the fact that the website still shows a balance owed, and all subsequent attempts to contact them have been ignored. I 'm only able to speak to an agent, who consistently advises that she is not associated with the website and knows nothing about how it 's operated. I ask to speak to someone who is knowledgeable about the website, but I 'm told she does n't have access to those people. I have asked XXXX separate times to speak with a supervisor. Each time I was placed on hold for over 20 minutes with no answer. Each time I had to hang up while on hold due to other obligations. My phone calls have never been returned. I sent an email on XXXX/XXXX/2016, but did not receive a response.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-08-02

Fishers, IN

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I recently received a call from the number from XXXX about some unpaid debt from XXXX. I called XXXX to confirm I had a zero balance. They have confirmed that. So I believe this call was a scam.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-08-01

Shulerville, SC

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I requested the information I needed for an dispute. Representative said she would send information but didnt and now I have a letter stating it is going on my credit.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-07-29

Atl, GA

Disclosure verification of debt

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

Not disclosed as an attempt to collect
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: Yes Timely Response

2016-07-28

Indianapolis, IN

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

2016-07-27

Phenix City, AL

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: Yes Timely Response

2016-07-25

Beyersville, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I had a 1 year lease for a duplex with a management company ( XXXX XXXX ) in XXXX XXXX TX. Management failed to address various maintenance issues, some of which posed a health risk for my sister who has severe reactions to certain allergens. I made repeated attempts to contact management by submitting requests through their online portal and by going to their office in person, which seemed to be the only effective way to get in touch with them. After months of failing to address our maintenance concerns, it was clear that XXXX XXXX had no intention of upholding their end of the lease, so I went to their office and told one of their epmloyees that I wished to vacate. Management agreed to terminate our lease prematurely, indicating that they would not refund our deposit, to which I agreed. They disabled my online payment portal on XXXX/XXXX/XXXX, so that I could no longer access my service request history or other correspondence I had with the management through their website. I never received any " Past Due '' notifications or other correspondence indicating that my account was thought to be in default. This account should have never gone to collections, and if it did it was only because some disgruntled employee at XXXX XXXX must have thought it would be funny. I never received any correspondence regarding a " Past Due '' account from XXXX or National Credit Systems, and I have n't received any other indication that there was an issue with this account until it appeared as a collection on my credit report XX/XX/XXXX. I have an immaculate payment history aside from this collection, not so much as a late payment anywhere on my credit report.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-07-22

Decatur, 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

2016-07-21

Okemos, MI

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2016-07-20

Norcross, GA

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

2016-07-19

Cadwell, GA

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
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

2016-07-19

Live Oak, 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

2016-07-19

Venice, 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: No Timely Response

2016-07-19

Newnan, GA

Taking/threatening an illegal action

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

Threatened arrest/jail if do not pay
Complaint: Debt collectors calling telling me that I will be sued if I do n't pay. She calls a couple times a week threatening me with lawsuits and jail if I do not pay.
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-07-19

Venice, FL

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

2016-07-19

Clarkesville, GA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have documents that prove without a doubt that the collection account placed on my credit report was done in error.I have been trying to get this negative collection account removed from my credit report for awhile now .I asked XXXX XXXX to help me since the collection company will not do anything they are just rude and hang up on me .I have sent them documentation proving that this debt is not mine, but they continue to keep it on my credit.XXXX did remove the file upon receiving the documents sent from me showing that this is clearly not my debt.XXXX and XXXX have not.I really do not understand how this is such a difficult process. The consumer clearly has no rights and the credit bureau does not seem to be in favor of the consumer that is being affected by wrong information even when they have the proof in front of them.I have had to spend money to hire someone to try and help me get this false information off my credit.What can I do I guess I will have to sue someone if something is not done. This is effecting my credit, getting a job in the profession I want to be in, and in trying to buy a house.I have asked for proof from the credit collection agency and they have not provided me with any proof other than a computer worksheet that does not even have the correct information on it.I on the other hand have plenty of proof. ( 1 ) The address on my credit report as of XXXX/XXXX/XXXX is the correct address where I was living.The collection company says I was living somewhere else XXXX this is the month I 'm being charged rent for on my credit. ( 2 ). I have a lease also that started XXXX/XXXX/XXXX that shows I was clearly not at the address on XXXX/XXXX/XXXX which is the month Im being charged. ( 3 ) I also have an email from the corporate office acknowledging that I would be out XX/XX/XXXX, also that the apt I was in had a mold problem, and I would not be charged for any damages due to the mold. I have pictures of the mold in the apt and the leak that caused the ceiling to cave in the bathroom. When I asked the collection company for the pictures of what they were charging me for damages they have never provided them to me, ( 4 ) I also have a letter from a person that was a resident at this community that helped me move out XX/XX/XXXX and he verifies this in the letter. The power was also turned off by the community in XX/XX/XXXX also they took the meter. They also did not even turn my file into the credit bureau until two years later. I received the notice from them in XXXX XXXX. I responded immediately and told them I was disputing this and they had made a mistake.They said that they had a ; ready turned the file in to the credit bureau two months before they sent me the letter. They did n't even giving me a chance to respond to the letter.I asked them why did they bother to send me the letter if they had already sent it to the credit bureau. They said its just a standard letter they send out. I told them the letter is deceiving because it says if they are notified in so many days that they would not turn the file over to the credit bureau.I had responded in the time they had allotted in the letter and the only thing they could say was OH Well! If this was a legitimate debt why did it take two years to notify me and for them to report it to my credit.The normal protocol is suppose to happen as follows.Tenant moves out owes money they are send a statement of what is owed or not .If the tenant does not respond after 30 days a letter then goes out to let them know its going to collections and they have x amount of days to respond then it is turned over to collections. Not 2 years later decide that they want to pick a file and turn it over to collections.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-18

Kerrville, 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

2016-07-16

Houston, TX

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I was contacted by a collector about a debit for a apartment whom I was not informed about after moving with my 60 day notice
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-07-14

TN

Communication tactics

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

Used obscene/profane/abusive language
Complaint: I am a XXXX and I called National Credit Systems XXXX Inc. with a client multiple times and have repeatedly been treated poorly, but my phone call today was by far the worst I have ever experienced. I made an offer on behalf of my client and was told that the balance was at XXXX in spite of the fact that she received a XXXX off letter that was not honored due to a time limit issue. In my client 's defense, she did not receive the letter on time before the time expired. The collection agency added a {$1400.00} collection agency fee and I simple asked the supervisor if she was aware that they were in violation of FDCPA for the collection agency fee. And she told me that I was being hostile and using strong arm negotiation tactics and said she had no desire to talk to me further and hung up on me. I called back and spoke to the original representative, XXXX XXXX, who proceeded to directly transfer me back to XXXX XXXX, the supervisor. I did not ask her to transfer me. At this point, my client just needed to pay the bill and be done with this account. I called back again and XXXX XXXX directly transferred me again without even speaking to me. I 've never felt so disrespected on a phone call in my life. I asked my client if she thought I was being hostile and she said no. Every time we have called this collection, they have been nothing but rude.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Timely Response

2016-07-14

E Town, KY

Communication tactics

Debt collection: Mortgage

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

Disputed: No Timely Response

2016-07-04

Beyersville, TX

Communication tactics

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

Threatened to take legal action
Complaint: I have an account from national credit systems that was originally for XXXX dollars for a broken lease for apartments. I resided in the apartment homes for one month and moved due to the environment, at this time I had gotten a phone call from national credit systems around XX/XX/2010 saying I had been sued and owed them XXXX dollars. I disputed this account on this basis that I never received notification prior to it reporting to my credit as well as that the balance was inaccurate, I requested at this time a debt validation within 30 days which was never received, at this point I requested the account to be removed from my credit report. It was not. I have disputed this account on 9 separate occasions throughout the years following and continue to get a response from the credit bureaus stating " national credit systems has validated this account with OUR company '' I have never received a debt validation from this company and I have all accurate up to date information for correspondence on my credit report. This is in violation of the fair credit reporting act to not send debt validations and say the account is validated. My last dispute was about 30 days ago on the basis that the company violated the law stating that a landlord must seek a new tenant when previous tenant breaches a contract and terminates lease before completion. This community charged me for the remainder of the lease and never made reasonable attempts to re-sell the property.
Company Response: Company can't verify or dispute the facts in the complaint Closed with explanation

Disputed: Yes Timely Response

2016-07-03

Cincinnati, OH

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I have never been contacted from the original creditor ( apartment complex ). after 3 months a debt collector contacted me and sent me unverified bills ( unreadable/blur ) and also none of those bills have my name on it, my ex-roommates only and they trying to charge me of the whole amount that i do n't know what it was for!! we left the apartment clean and they did n't say anything until after 3 months and never contacted me directly.
Company Response: Company believes it acted appropriately as authorized by contract or law Closed with explanation

Disputed: No Untimely Response

2016-07-02

Houston, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to National Credit System. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with National Credit System. This was an Apartment Lease from XXXX XXXX . and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by National Credit System. In this case the debt should be removed from my credit report and out of the office of National Credit System because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas
Company Response: Company disputes the facts presented in the complaint Closed with explanation

Disputed: No Timely Response

2016-07-01

Mooresville, NC

Cont'd attempts collect debt not owed

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

Debt was paid
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