National Credit Systems,Inc. Debt Collection Complaint

Other (phone, health club, etc.) Disclosure verification of debt not given enough info to verify debt

National Credit Systems,Inc. Debt collection department,

Other (phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Alabama

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 original creditors address not did they proof they own the debt. I called them thursday -/-/- and spoke with - - to let them know this is not proper form of validation. They then sent me another letter stating I now owe them $2200.00. This is false representation of a debt which violates the FDCPA. Attached with the letter was a copy of a lease. On the first page of the lease was a move in/ move out check out list THAT DID NOT HAVE MY SIGNATURE, it was signed by another person. I am being charge for damages to a property when my signature was not even on the move in or check out list.There were - signatures on the last page of the lease that does not look like my signature. I never agreed to these charges. This is not my debt and they are breaking the law by falsely representing a debt as well as deformation of character.

National Credit Systems,Inc. customer in Alabama
Sep 23, 2015

* Source: CFPB Complaint Database

National Credit Systems,Inc. response to complaint:
Closed with explanation

Consumer disputes how National Credit Systems,Inc. handled their complaint

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Contact National Credit Systems,Inc.

https://www.nationalcreditsystems.com/
800-367-1050
[email protected]
P.O. Box 312125
Atlanta GA 31131

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