11742838
|
2025-01-25
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Account status incorrect
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-25
|
|
11635917
|
2025-01-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Rental debt
|
Date Received |
2025-01-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-18
|
|
11521474
|
2025-01-15
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-15
|
|
11499963
|
2025-01-13
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-13
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-13
|
|
11601316
|
2025-01-21
|
Problem with a company's investigation into an existing issue
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing issue
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Other personal consumer report
|
Date Received |
2025-01-21
|
Submitted Via |
Web
|
Company Response |
In progress
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-21
|
|
11558968
|
2025-01-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Rental debt
|
Date Received |
2025-01-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-17
|
|
11396449
|
2025-01-07
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-07
|
|
11391011
|
2025-01-05
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2025-01-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2025-01-05
|
|
11093581
|
2024-12-10
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Rental debt
|
Date Received |
2024-12-10
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-12
|
|
11285356
|
2024-12-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Rental debt
|
Date Received |
2024-12-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-26
|
|
11086500
|
2024-12-09
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2024-12-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-09
|
Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX NATIONAL CREDIT SYSTEMS To Whom It May Concern : Notice for validation of debts.
Pursuant 12 CFR 1006.34 This Alleged debt is disputed in its entirety, Pursuant 12 CFR 1006.34 ( c ) This is a notice for Validation of debt. Cease and desist immediately any and all collection activities on this alleged debt until your able to provide Validation Pursuant 12 CFR 1006.34 Your Truly XXXX XXXX ( All Rights reserved )
|
Consumer Consent Provided |
Consent provided
|
|
10329670
|
2024-10-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2024-10-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-03
|
Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Ky XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, VA XXXX According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract bearing my wet signature, any and all accounts that you post on a rental or consumer report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I must be provided all proof that is used in your verification method as well as what you have put on your XXXX form.
I demand to see verifiable proof ( i.e. : an original consumer contract with my wet signature on it ) that you have on file for the account listed below.
Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.
The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA I demand that the following inaccurate account be verified or removed immediately : Collection Debt Amount : {$1700.00} Unverifiable Account The copies of credit card statements you sent as verification IS NOT WHAT I REQUESTED.
Thank You, XXXX XXXX.
|
Consumer Consent Provided |
Consent provided
|
|
8177468
|
2024-01-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Rental debt
|
Date Received |
2024-01-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-01-18
|
Consumer Consent Provided |
Consent not provided
|
|
3084654
|
2018-11-27
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
Other debt
|
Date Received |
2018-11-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-11-27
|
Consumer Consent Provided |
Consent not provided
|
|
6665458
|
2023-03-08
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened or suggested your credit would be damaged
|
Sub Product |
Other debt
|
Date Received |
2023-03-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-03-31
|
Complaint What Happened |
On XX/XX/2023 I contacted national credit systems inc to pay an old debt. It was from a lease that had been broken bc my life was in danger do to an abusive partner. I had put it off because I had other financial obligations. I went to rent an apartment on XX/XX/2023 and was denied because of this debt soley. So I tried to pay this debt in hopes it would resolve it. Initial contact the girl was nice. But said that they cant provide me with any receipts or proof of payment. That I would get my letter of paid in full via email within 24 hours. I said that wasnt acceptable I need a receipt or some for of proof that I paid. I got her supervisor on the phone and he was rude and aggressive. Told me I should have taken care of this sooner. But no receipts are provided. I said Ill pay online then bc I need to provide something to the apartment complex so I dont loose it. He said thats not his problem and if I pay online it will take 48 hours for the debt to clear. I chose to go online so that I had proof of payment on my end incase anything happened like that guy tried to claim no payment and pocket the money. 24 hours pass and nothing so I call back and Im sent to the supervisor who is nasty and aggressive! Telling me too bad I should have lived my life better. I started yelling bc I was beyond over his trash attitude. Told him if it wasnt resolved in 48 hours Ill contact my cc company bc this is fraud. He started saying go ahead and Ill lie and u will look like a XXXX bc its not been 48 hours. I told him he was a piece of XXXX or something to that affect and is doing this intentionally to hold my credit hostage. Bc I cant get housing without this off my credit report. And then he decides to say he is going to issue a refund. I told him he didnt have the authority to do so. And he kept saying nope thats what Im gon na do! Issue u a refund so u have to start the process all over. I told him I would pursue legal action as he is making fraudulent usage on my credit card without my permission. Last time I checked I used a secure payment source that shouldnt be giving my credit card details to the staff. It has now been 60 hours since I paid this debt and it is still not clearing. My credit card company said they paid out their part but the collection agency seems to be refusing payment. Also note I was paying the account in full. I have lost 3 apartment opportunities now bc of this!!!!! This trash human is ultimately and knowingly and intentionally refusing the paid in full amount bc I hurt his feelings. And he is holding my credit hostage making it impossible for me to secure a place to live and after tomorrow I will be out on the street.bc of national credit systems and the unprofessional behavior by its employees.
|
Consumer Consent Provided |
Consent provided
|
|
7937063
|
2023-12-02
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Rental debt
|
Date Received |
2023-12-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-12-02
|
Consumer Consent Provided |
Consent not provided
|
|
3730120
|
2020-07-05
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Problem with a credit reporting company's investigation into an existing problem
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Was not notified of investigation status or results
|
Sub Product |
Credit reporting
|
Date Received |
2020-07-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-07-05
|
Complaint What Happened |
Account was disputed on my credit report and removed. I wasnt notified that the account was going to be put back on my credit report. It was put back on my report. I disputed it again.
|
Consumer Consent Provided |
Consent provided
|
|
4128639
|
2021-02-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2021-02-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-02-10
|
Complaint What Happened |
On XX/XX/2019 I signed an addendum to a rent agreement that legally removed my name from the lease. The staying tenant also signed, agreeing to take ownership and responsibility of any charges on the account. I was forced to move out due to XXXX in the household and a XXXX XXXXXXXX order against the staying tenant. Due to the XXXX, the landlord and leasing agency were not allowed to hold me responsible for the charges, and they had a copy of the XXXX provided to them for proof. Also, a copy of the signed addendum removing my name and clearing me of the responsibilities. Now my credit statement shows a collections account from the landlord trying to make me pay {$4000.00} on an account that is not legally my responsibility. I tried to dispute the charge several times but the customer disagrees, being the landlord wants to make me pay the charges. I would like for this to be removed as it is not my account to pay for.
|
Consumer Consent Provided |
Consent provided
|
|
3382466
|
2019-09-22
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2019-09-22
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-09-22
|
Consumer Consent Provided |
Consent not provided
|
|
10847245
|
2024-11-20
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2024-11-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-20
|
Consumer Consent Provided |
Consent not provided
|
|
10370829
|
2024-10-07
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Rental debt
|
Date Received |
2024-10-07
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-17
|
Consumer Consent Provided |
Consent not provided
|
|
3883645
|
2020-10-06
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other debt
|
Date Received |
2020-10-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2020-10-06
|
Complaint What Happened |
I put in 60 day notice, and honored my lease. I do not owe this company anything! This company has the Audacity to say i owe them anything when they have done absolutely nothing but stolen from me and made my son sick!
while i resided their, i learned from my sons pediatrician that his LEAD level was a 7.5 which is 3.5 points away from hospitalization!!!!!!!!!! This scum of apartment complex could have killed my son! we haven't lived there for 3 months and although his levels have went down a little they are still high! my son is on strict pediatric supervision right now! I pray that they shut this place down before they kill a child!
ALso while i was there their staff stole my iphone, ipad, and LV shoes!!!!!! they have also tacked on charges i didnt owe to my account all the time!
Everything breaks in that apartment, it flooded because their pipes were bad 4 times when i was living there. all of my items got damaged! Unsanitary living conditions. We were left with no water, no running toilets, no lights multiple times. My XXXX year old son and i lived in XXXX their!!! i cant believe they have the nerve to say I OWE THEM ANYTHING!!!!!!! I called last month and talked to a male at the front desk who even confirmed i dont owe anything and to disregard the letter i received!!
|
Consumer Consent Provided |
Consent provided
|
|
10889159
|
2024-11-21
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2024-11-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-11-21
|
Consumer Consent Provided |
Consent not provided
|
|
3361089
|
2019-08-31
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2019-08-31
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-08-31
|
Complaint What Happened |
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
|
Consumer Consent Provided |
Consent provided
|
|
2012886
|
2016-07-14
|
Communication tactics
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Used obscene/profane/abusive language
|
Sub Product |
Mortgage
|
Date Received |
2016-07-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-07-15
|
Company Public Response |
Company disputes the facts presented in the complaint
|
Consumer Consent Provided |
Consent not provided
|
|
2409730
|
2017-03-30
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Frequent or repeated calls
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2017-03-30
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-03-30
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
1900731
|
2016-04-28
|
False statements or representation
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-04-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-04-28
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
I did not receive notice of debt from the primary party upon moving from my apartment. My credit report was pulled and it showed as a derogatory amount owed to a collection company. I reached out to the primary party with concerns as to why this was reported, and why I owed them, they stated it was from minor cleaning, and carpet shampooing when I moved, and stated they were no longer able to assist with clearing it to contact NCS. I contacted NCS several times and was told that if the primary party requested it to be deleted they would do so. The primary party then contacted them and asked for it to be deleted and they are refusing to do so. One customer service rep. Stated that I should just pay it and let the {$0.00} balance be reflected on my credit report, he went on to state that even if the primary party asked for it to be deleted, they will not do so because they filed it with the collection agency. I have been yelled at, hung up on, and received unethical advice from this collections agency. I was not greeted or spoke to in a calm and professional matter. I did not receive the ability to resolve the debt in a fair & professional way.
|
Consumer Consent Provided |
Consent provided
|
|
2102916
|
2016-09-09
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Right to dispute notice not received
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2016-09-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2016-09-09
|
Company Public Response |
Company disputes the facts presented in the complaint
|
Complaint What Happened |
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.
|
Consumer Consent Provided |
Consent provided
|
|
1412460
|
2015-06-09
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-06-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-06-09
|
Company Public Response |
Company disputes the facts presented in the complaint
|
Complaint What Happened |
I received a letter from National Credit Services indicating they collecting on an old debt from a former apartment complex. I sent in writing a letter disputing the debt and the amount owed. The next communication I received from them was a letter stating I failed to setup and arrangement or respond and they were getting ready to report to the credit bureau ( dated XXXX XXXX ). After receiving the letter on XXXX XXXX I called to inquire about my dispute. The agent was very rude stating they verified with the apartment complex and it was valid. He told me a letter was sent XXXX XXXX. I told him I only received the XXXX XXXX letter with no mention of a dispute, letter, or bill. He stated they did n't have to send it and continued to try to collect the debt. I requested a supervisor who also stated they sent it, I was on a recorded line and they had me on tape saying I received it. I again stated I had not received a statement or acknowledgement of the dispute and I believed they could not report until they acknowledged my dispute and validated the debt. He told me they would report me over the weekend of XXXX XXXX if I did not make a payment, he offered to set up a payment plan then stated he would send me bill from the creditor after I did so. I setup a payment to receive a copy of the bill and save my credit score. I do not believe this company followed the law because they did not send me verification of the debt, prior to continuing collection efforts. To date I have n't still have n't received a copy of the bill which they allege they initially sent on XXXX XXXX.
|
Consumer Consent Provided |
Consent provided
|
|
10508855
|
2024-10-20
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was result of identity theft
|
Sub Product |
Rental debt
|
Date Received |
2024-10-20
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-20
|
Complaint What Happened |
Attached is everything I sent to the property management havent received anything back and will move forward to sue due to not removing this debt when I sent numerous complaints about this matter. Will file a police report did not know I can file a report if I dont know who did it.
|
Consumer Consent Provided |
Consent provided
|
|
10555066
|
2024-10-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
National Credit Systems,Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Rental debt
|
Date Received |
2024-10-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-10-23
|
Complaint What Happened |
I moved out of this place the same time XXXX XXXX did and she owed nothing as well as I. XXXX remained a tenant for however many months/ years after. She said she had no mark on her credit at all. I haven't ever bother to really look at my credit until recently. The company itself once I bothered to check has a XXXX star rating and multiple claims from people experiencing similar debts popping up on their credit.
|
Consumer Consent Provided |
Consent provided
|
|