National Collection Systems, Inc. Debt Collection Complaint

National Collection Systems, Inc. Debt collection department,

Non-federal student loan Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Arkansas

I received a phone call in - stating that I owe an outstanding balance for the -. I informed the rep at that time, that I should not be receiving a call from them as I am paying my balance via online through my student account-so I disputed the validity of this debt. Then, I was informed they were collecting for the - as well-after I made this statement. I disputed any debt with them. Informed the rep the account was resolved, paid off and have a letter from the - - - in Texas and Trustee-would forward upon receiving verification of debt. Also told her that the - account has been settled over 4 years now.To this date, I have not received anything. What they did was wait and call back, - -, 2015, and state that I owe $9000.00 plus in debt to the -. The guy rep stated that I owed this amount 'solely ' to the - . I informed him that I had just pulled up my student account for the university and it shows a balance of $1600.00 of which I am making payments ( - fabrication ) ; I also informed him that


they paid me to attend graduate school. I asked him at this point to tell me how many accounts is he looking at, or maybe he needed to verify with the -.This is when he informed me that I actually have - accounts with them. I stated how? He then proceeded to state that they are collecting for the - & the -. I told him again, " No ... I have disputed both these accounts and to this date, have not received any information from them regarding either debt ( - fabrication-as he stated they have mailed out something. ) He stated he was reading notes that I was suppose to send this information in, so he agreed from his own statements that I disputed this validity back in -. I then stated if I had an address or if they would have sent verification they would have it. They have not. I also told him this company could not try and join these alleged debts together as the - and the - are - separate entities and - has nothing to do with the other. His response was they could because the alleged debts fall under the same social security number. I became livid and told him his statement was redundant and incorrect, moreover a lie and they were trying to mislead me into thinking I only owed the - but they are trying to collect both debts ( of which I do not owe ) on a single account and lying about it. They can not try and collect these - together and if this matter appeared on my credit report I would be filing suit against this company. This company has did nothing but regurgitate false statements and representation in this matter to me for the - time. Additionally, they have not provided disclosure of verification of the debts. I asked over 3 months ago to receive and have not, I also informed him that I wanted this information mailed to me as to have proof and a paper trail. He stated they only need a number and name of attorney. Why would they not want the proof in hard form? I asked him over - times within the conversation to provide this documentation to me. His only response was if I could provide my attorneys name and that I did not need to mail anything. I told him, No I will to have proof on my end and to ensure they could not fabricate another issue. I also told him under FCRA rules what they are attempting to do is illegal and I would be sending a letter to the company and submitting a complaint to the proper authorities regarding their actions.