Review and analysis of over 164 complaints against National Credit Systems,Inc.
National Credit Systems,Inc. consumers have reported over 164 official complaints related to Disclosure verification of debt. Out of the 164 consumer complaints against National Credit Systems,Inc., 29% were disputed by the consumer (i.e. the consumer was not happy with how National Credit Systems,Inc. responded to their complaint) and 93% were processed in a timely manner. 0% of consumer complaints against National Credit Systems,Inc. resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 0% resulted in non-monetary compensation.
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National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received February 18, 2017 - Continued to call and try to make contact with debt collector. They continue to take messages and claim the agent is on another call. I contacted them to try to make settlement so i can purchase my house and my time is running.... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received February 8, 2017 - I received a letter more than 5 days after the initial communication ( a violation of - - - - - - - - - and the letter did not state that I may request that the debt be validated or verified.... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt February 6, 2017 - Debt collecter did n't verify collections, no contract, no signature... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt February 6, 2017 - Debt was not verified by contract or signature. National Credit systems inc... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt February 5, 2017 - Received a letter from collection company regarding a debt- National Credit Systems , Inc. stating a $1900.00 debt was due. Sent certified letter asking for documents to validate debt. Instead of receiving information relating to the charges I received a letter in retaliation stating that they reported me to the credit bureaus for failure to make suitable arrangements and that they recommending the client proceed with additional collection remedies, garnishment of wages, Liens placed on property including, autos, real estate or other real property, seizure & auction of personal property, as ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt January 31, 2017 - Noticed debt listed on credit file, sent several letters requesting validation of debt over past 4 months. I have not received any communication from this collection agency. I never received a notice to dispute this debt. Under the FDCPA this is a clear violation of my consumer rights.... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt January 14, 2017 - Previous dispute : - This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. By law this info requested is to be sent within 5 days notice is received via certified mail. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the - major credit bureaus ( -, -, - ), this action might constit... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received December 30, 2016 - On -,2016 I received correspondence from this company stating a debt was owed. The letter is dated -/-/2016. The letter states it is attempting to collect a debt on behalf of - - but does n't list the reason. Ex : unpaid rent, cleaning fees..etc there is no reason of debt listed. My rights have been violated in more ways than - and I will be escalating to the - and -! For -, FDCPA states you have 30 days from RECEIPT of the letter of such debt to dispute! The attached notice will show they sent the letter to an old address meaning it was forwarded. The letter itself ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received December 22, 2016 - I have made several attempts with National Credit Systems to resolve a matter placed in their office. Numerous times they have violated the FDCPA in regard to validation. This matter is in regard to an apartment complex I was evicted from. National Credit System 's - - -, stated the validation letter was mailed to the address I was evicted from. I updated the address months ago. I did not receive validation but a demand letter for an account that was not - - but an account that was out of statue. I call to advised. They apologized but never since the validation. This over 6 mont... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received December 7, 2016 - On - - 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 cr... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received November 28, 2016 - Issues : disclosure verification of debt + improper communication tactics. I spoke with -, 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... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt November 21, 2016 - I recieved a letter from National credit in -/-/- to which i sent a certified letter back to them which was signed for. I had asked for validation of the debt that - - claimed i owed. I have not ever done business with this company. He sent me a - page copy of a lease that had no signatures on it and a agreement inspection report WITH NO DATES ON IT. this did not meet the required law for validation and has not been met to this date... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt November 16, 2016 - National Credit Systems is reporting - collection accounts on my credit report : $1500.00 & $620.00 respectively. I have contacted their office several times asking for an itemized summary of the charges that constitute these debts, but they will not supply me with this information.... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt August 26, 2016 - Hello, My name is - - - and my Fair Credit Report Act rights were violated. On - -, -. I was contacted by National Credit Systems on behave of - - -. The letter was to collect a debt of -. I have no knowledge of a balance with - - -. I moved out -/-/-. I was never contacted by the - - - 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 - -, -. ( See Dispute letter attached ). I wanted them to validated the debt. On - -, -. I rec... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt July 2, 2016 - 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. - - - spoke with National Credit System. This was an Apartment Lease from - - . 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 fr... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received June 17, 2016 - I received notification on -/-/- that there was a posting by a collection agency to my credit reports I checked and found it was National Credit Systems Inc.of -, - that has posted derogatory information to my report and is in violation for they did not send me any notifications concerning this debt 30 day in advance as required by the rules and regulations and laws of the FTC, FCRA & Consumer Financial Protection Bureau, I have requested directly to National Credit Systems on -/-/-, -/-/-, -/-/- & -/-/- that they provide me proof that they se... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt May 24, 2016 - I have asked National Credit System to validate a collection they are reporting on my credit reports on -/-/16 and -/-/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on one of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt May 20, 2016 - First I received a notice in the mail but not until -/-/- I moved from there -/-/-.I immediately contacted them to dispute that this was mine and they had already sent it to collections and put it on my credit 2 months prior to me receiving the notice.I was very upset to say the least.An error had been mADE I explained to the lady on the phone and I could proove I immediately put the docements together and sent to them in return I wanted to see what proof they could provide and OF course it was nothing but hand written lies .I asked for photos since they were trying to charge me for ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt May 18, 2016 - I am requesting that this claim be removed from my credit report. The creditor 's claim was made on - 2010 ( over 6 years ago ) and I never received documentation on this claim. I have - debt collection agencies requiring payment for the same claim originally sold to them by - - - of Alabama. I have verified over the phone with both debt collection agencies that the claims are from - - - and for the SAME CLAIM made by - - -. In order to verify this in documentation I have pursued National Credit Systems seeking documentation on the claim. These are the steps I... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received May 10, 2016 - Called National Credit System and spoke with a - - regarding a letter needed stating I owe an debt. I explained never received and verified my address. - - advised could not send another letter regarding the debt they only allowed to send one letter. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt May 10, 2016 - It is my contention that my rights under the FFDCA have been grossly violated for the following reasons : Upon contacting the - - Justice Court with regards to these matters I was informed that a Letter of Settlement had never been issues for case -, which was paid directly to a - at - - by money order. Upon contacting the attorney of record with regards to this, the office refused to send a settlement letter and instructed me to contact the creditor. Upon doing so I was referred to the collection agency who has no record of this. The attorney of record attempted to garnish... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt January 29, 2016 - Upon vacating a previous apartment complex the landlord had claimed damages to their carpet which we immediately disputed. The apartment complex did not provide an itemized list of damages as requested by tenant and within the 30 days as required per the lease and Massachusetts state law. National Credit Systems, who had then become the debt collector contacted us in regards to the disputed debt. We immediately told them the debt was in dispute. They claimed they would verify the debt and get back to us. Shortly after National Credit Systems stated the debt was valid and provided proof of th... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt January 11, 2016 - I have a debt with an apartment community and had called the agency listed on my credit report. They told me that the account had been transferred to an alleged law firm. I attempted to contact this law firm to resolve the issue and was immediately questioning whether or not they were legitimate. I performed research on them and had found legal action taken against them, multiple complaints on the - website, and many persons stating they were not legitimate. Thus, I contacted the firm about the issue and never received any real information on their practices or my debt. I asked them for a v... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt December 30, 2015 - The collection agency and the rep holding my account ( - ) refuse to disclose the verification of the debt. I reached out to the original creditor who confirmed that the information on file is incorrect. When I call, the operator says - is away from his desk and no one else can help me with my account. This has been going on since -/-/-. My initial contact was -/-/-. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt December 15, 2015 - Previous landlord at a apartment complex trying to charge cleaning fees for an apartment that I vacated in -/-/-. Landlord sent bill to a collection agency which is trying to contact me to collect charges. I am currently - via military services at - -, - and I have not received any proof of charges for my review in my present location as requested to collection agency 3 weeks ago. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt December 11, 2015 - We have been asking national credit systems for multiple years to send us verification of the charges that they are trying to collect. They always say they have the information and will mail it to us. It never comes so a few months later they call again. We have asked them to email or send the information certified mail to make sure we get it. They have told us that their company does not do that. I have disputed this account multiple times to get it off of my credit report and they will not remove it because National Credit Systems keeps reporting it as a delinquent account. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt November 13, 2015 - National credit systems has placed a negative on my credit reports, all - and also on my spouse 's credit reports. They are not the originator of the account, the date of origination on the credit reports is -, this is the date they bought the debt. I have requested debt validation many times, they ignore me and do not validate, I requested they remove it, they ignore me. Also the credit reporting agencies do the same. They have re aged the debt to when they bought it. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt November 5, 2015 - On -/-/15 I requested National Credit System provide validation for $160.00 debt being reported to credit bureaus. As of -/-/15 I have not received any response in relation to my request. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received October 29, 2015 - I was contacted by phone on -/-/15 by - - with National Credit Systems. She told me that I had a bill from - - that had been turned over to her office for non-payment. I explained that I had moved out of the complex and was not aware of any bill. I requested a copy of the bill be sent to me. - - said she would put it in the mail to me that day and put a hold on the collection account. I received a generic phone message on -/-/15 from - - asking me to call her. I returned her call and left a message. I called again on -/-/15 and got - -, she had n... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt October 18, 2015 - I have filed a previous complaint about this company.. I have made several attempts to get more information as to if they are a valid company to continue to take payments from me. This company called me out of the blue after I was taken to court by my apartments called - - in - Texas. The apartments went to court in -/-/- with informing me of the court date. They settled on an agreement and I was n't present. since this settlement I have paid a company called National - System almost - without even seeing the agreement that was made between them and my departments. I have r... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt October 16, 2015 - The debt collection company name National Credit Systems has failed to provide any proof that i lawfully owe the debt in question nor any letters in writting stating who they represent. I have requested in writting as well as verbally and through the - for such information. On each time that i have spoken to this company on their recorded calls i have stated i am willing to pay a debt i owe once i receive written documentation. Every time i have called they have said on multiple circumstances that they have already sent the requested documentation wereas since - i still have not received... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt September 23, 2015 - National credit systems never informed me of my right to dispute my debt. I found out I had a collection against me by recently pulling my credit. Our initial contact was -/-/2015. I have 30 days to dispute after our initial contact. I sent them certified mail which was signed by - - stating I need validation that they are liscensed to collect a debt in alabama, proof that they own the debt and the debt is mine .They then sent me a letter dated -/-/- that only stated I owe - sent by - -. The letter did not break down what I was being charged for nor did they include the o... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received September 21, 2015 - after being denied a home loan i pulled a credit report, and found this collection. I was not informed of my right to dispute allowed to set up payments or informed before added to credit report. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt September 17, 2015 - On or about -/-/2015 I contacted National Credit Systems Inc. and spoke with - - at - Ext. - concerning - or - debts of the same account that appeared on - public credit reports. I questioned the validity of the debts and the amounts owed. - - PROMISED to mail, to my home address which I provided during the conversation, an official document detailing the amounts owed, the original creditor and a statement guaranteeing that the debt amount would be updated on - credit reports if I paid in full. - - explained that this was an attempt to collect a debt a... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received September 14, 2015 - In the year 2013 my family and I lived in - - Apartments and paid the first month of rent, and the deposit. We always paid the rent for a year since the apartments were under contract. We never missed any payments and the water payment ; we paid it full. I even have proved that we paid it all. I have the confirmation number that we paid it. Recently, I received a letter from the National Credit Systems , Inc regarding the deposit that we did n't pay. The amount is $690.00. They have sent me to collection without any warning or any prove that I owe that amount. In the letter it says the... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt September 10, 2015 - National Credit systems has not provided me with any copies of any contracts or agreements that have my signature on it that proves that i owe the amount of debt to them in which they are reporting to credit agencies electronically and according to credit agencies National credit systems do not have to provide the them with any documents supporting there claim ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt September 4, 2015 - This debt is not valid. This is for an apartment that i leased. After coming home to a break-in and all of my belongings ( electronics, jewelry, clothes ) were stolen, I communicated to the manager of the leasing office that i did not feel safe and wanted out of my lease. She agreed to let me out. However I was charged bogus fees which are now on my credit report in the form of a collection. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received September 1, 2015 - I been placed in a collection, i just know thru a credit monitor service ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt August 26, 2015 - I wrote National Credit System in - disputing this and demanding legal validation. They ignored my request and are still reporting it to the credit bureaus. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received August 23, 2015 - I have been disputing an account that does not belong to me with National Credit Systems since 2009. The account was removed from my credit with the Credit bureaus. Now, National Credit systems has placed the account that was removed 6 years later back on my credit. I have contacted National credit certified mail just like I did 6 years ago, and still no response back from them. National Credit Systems has never sent me a billing statement, a response letter, or a notice stating my right to dispute. They do not send anything. Instead, they just keep accessing my credit report without my consen... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt August 19, 2015 - We pulled a copy of our credit report and noticed a debt from National Credit Systems. It was a debt collection for an apartment we stayed at years previous. We sent - debt validation letters to them and have received partial responses back with little to no information accurately verifying the balance of the debt owe. Please assist because we are prepared to file a lawsuit against them. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt August 5, 2015 - There is a collection listed that I do not agree with and requested several times validation and disputed with no actual evidence of what is being collected for and proof the debt is mine ( signed contract ). Can your agency help? ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received July 16, 2015 - My previous apartment complex - - - located in - - Florida did not notify me of any debts remaining after moving out of their complex. I now see a balance in collections of - dollars. At no point in time was I made aware or given the opportunity to dispute these items as several of the charges are invalid. I had to call the apartment complex AFTER this had been added to my credit report to see a summary of charges, which again, several I want to dispute but did not have the opportunity to do so. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt July 7, 2015 - Company is knowingly reporting incorrect amount of balance owed. Supervisor of collections account has been told many times and shown proof of amount that is owed and refuses to update account and continues to increase amount of balance owed. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt July 6, 2015 - To whom this may concern, When i checked my credit report i seen where a debt was reported by national credit services. I filed - disputes with - and did n't receive any verification to prove debt was mines. I had an apartment with - in and had a - incident which resulted in me throwing away thousands of dollars worth of household furniture and my son being - and washing all of our clothes and shoes costing me hundreds of dollars, when i called the office about the incident they informed they would n't compensate for the furniture or the clothes but told me i could terminate the... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt July 4, 2015 - I am a resident of the state of Texas and sent National Credit Systems a Texas Debt Validation request in accordance with Texas Finance Code 392.202. This request was received and signed for on -/-/2015. I have not received validation of this debt. It has now been well past the 30 day period in which the agency must respond. I recently checked my credit reports and this debt still remains. I have attached a copy of the Texas Debt Validation Letter, Certified Mail Receipt, and Return Receipt. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received June 25, 2015 - I lived from - till - in the apartment complex - -, -, T-. This apartment complex was bought at the end of - by - - -. Upon leaving the apartment during - - I was told that my deposit would be affected towards the cleaning fee and I provided my new address in case they needed anything. A few months ago I pull my credit report and found that National Credit Systems , Inc. is reporting a debt of $180.00. I would have payed that amount of money without problem if I would had been notified and the debt had been validated. In exchange, the - notice i got from a... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received June 23, 2015 - I was working for a - when - declared Bankruptcy. I was under a lease with - and explained the situation to them. I was only a few months in my lease when it happened. The front office of the apartment complex understood my situation and told me they wouldn't try to collect any money from me due to extenuation circumstances. They never tried to contact me about payment or mail me anything. The only reason I found about about this debt is because I checked my credit online and found it. I did not receive anything in writting nor other communication attempts. I also did not receive not... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received June 12, 2015 - Collection bureau failed to provide 30-day notice at commencement of their attempts to collect. I disputed the debt, which has been erroneously attributed to me, and the collection agency has attempted to collect the same amount from multiple parties, which, if successful, would be unlawful. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt June 9, 2015 - 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 - - ). After receiving the letter on - - 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 - -. I told hi... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt April 17, 2015 - Dear Sir/Madam : The below collection agency has been calling me about a debt that I am disputing from an apartment that I moved out of at the end of my lease ( -/-/2014 ). The apartment is in New York - - - - - -. I left my apartment on legal terms as I was supposed to at end of lease and left my new mailing address. I never received any mail or contact from - - at my new address advising that I had a debt to pay for apartment damages. I only received notification directly from this debt collector almost five months later ( enclosed ). The only evidence they sent me ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received April 14, 2015 - Upon pulling my own credit report, I found out that I had an account in collections with National Credit Systems from a previous apartment complex. Upon contacting them, they were given no contact information at all to attempt to contact me. No phone numbers, no address, no reference phone numbers. Also no attempt was made by them to retrieve this information from the apartment, yet I am being told that this item can not be removed from my report because they made every attempt to contact me. What attempt was made? I contacted them as soon as I found out yet I am being penalized for their poor... |
National Credit Systems,Inc. Debt collection disclosure verification of debt right to dispute notice not received April 5, 2015 - NCS has failed to provide me with a dunning notice prior to inserting inaccurate negative information on all - credit bureaus without notice and the only I found out was by VIA credit monitoring service. So when I finally realized I filed a dispute and also contacted NCS and original creditor - to no avail, even though they were in violation FCRA and the Fair Debt Collection Practices they refused to acknowledge any wrongdoings. ... |
National Credit Systems,Inc. Debt collection disclosure verification of debt not given enough info to verify debt April 1, 2015 - -/-/-, I terminated my lease 2 months early with - - in -, T-. I followed all of the rules in the contracts, and addendum, regarding early termination. In -/-/- I received a letter from - - - that they were trying to collect a debt of $1300.00. - was charging me for a deposit due to early termination. I called and sent a letter requesting that they validate the debt. Their response was a copy of my lease with a letter that stated 'it was validated '. From there, I replied with a letter outlining the specifics of the lease and provided them with a copy of these ... |