National Credit Systems Inc.

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: It is not my account and have only made arrangements because NCS has not been helpful in disputing said balance making it difficult to find housing due to b the fact that it is on my credit report I would like proof of this account being disputed as well as a copy of all documentation proving that this is my debt.
Sincerely,
*** ***

Complaint: ***
I am rejecting this response because: I did not receive any supporting evidence the charges were validI only received a letter notifying me that they rejected the dispute and a print out of a list of chargesA list of charges does not prove I owe anythingAnyone can hand me a list of chargesThe document also stated that I moved out on the 7th and that was incorrect we moved out on the 1stLike we were told too.
Sincerely,
*** ***

Thank you for contacting National Credit Systems, Incon behalf of this consumerWe have researched our records and found the following:The consumer, unfortunately, has provided an inaccurate view of how and why the account was reported to this credit historyNational Credit Systems, Inc
received the account in collections on 1-25-We called and spoke to this consumer on 1-27-He advised our representative that he would be calling back to address this account.We called numerous times and mailed letters, but did not hear back from this consumer until 5-4-In a telephone conversation, he advised our representative that he would be contacting us back to make a 100$ payment towards his account balanceAgain, we did not hear from this consumer again until 9-16-2016, on which he called and finally paid the accountThis consumer was not manipulated into making this payment, nor was he promised at the time that this account would be deleted from his credit history if he paidThe consumer was a legal party to the original debt that went into default, therefore, the account was reported on his credit historyThe consumer could have prevented the account from reporting by making a payment or arrangements when initially contacted, but failed to do soThe account has now been paid and we have reported the account with the appropriate statusWe are unable to delete the account history from the credit bureaus Thank you, National Credit Systems, Inc

Complaint: ***
I am rejecting this response because: I never agreed that I broke the lease early Please send me an email or fax to send proof that I did not too I have email and lease cancellation from *** apartments that I can provide that can prove that I let them know that I plan on breaking the lease early
Sincerely,
*** ***

National Credit Systems represents *** *** Apartments, where the consumer previously residedThe consumer previously disputed the account. National Credit Systems investigated the dispute and the debt was found to be valid. A letter informing the consumer of the findings of our
investigation and validating the debt was mailed to the consumer on March 22,2018, along with supporting documentation. The account is marked a disputed account and will remain on the consumer's credit report as a disputed account at this time

National Credit Systems has met the legal requirements to collect accounts in the state of ***. This account was previously disputed by the consumer. National Credits Systems investigated the dispute and the debt was found to be valid. A letter validating the debt was mailed to
the consumer with supporting documents on 9/25/2017. The account is being reported to the credit reporting agencies as a disputed account and will remain on the consumer's credit report at this time

Complaint: ***
I am rejecting this response because:The enclosed letter with the check for the full payment stated if the check was cash National Credit Systems agreed to deleting this account from all of my credit filesSince, the check was cashed...the agreement was madeTherefore, I would like for the agreement to be upheld and this account removed from my *** and *** credit reportsI will be filing a complaint with the FDCPA due to thisAlong with giving them copies of all certified letter sent to this company in the past (asking for verification of debt), letter from *** *** *** (from 2011) stating I did not owe them any money, copies of orders to show account was placed on my credit reports during a time of deployment (therefore, I had no knowledge of this debt), as well as, pay for delete letter, proof this company reported information on my credit file (after cashing check because the full amount was paid) and cashed check for the full amountNot to mention violation of the Servicemembers Civil Relief Act due to this account being reported during my time of mobilization, since *** *** received a copy of my orders the moment I broke the lease and both companies failed to uphold the conditions of the ActThe Servicemembers Civil Relief Act allows termination of leases and states, "the SCRA covers all Active Duty Servicemembers, Reservists, and members of the National Guard while on active dutyThe protection begins on the date of entering active duty and generally terminates within to days after the date of discharge from active duty." Clearly, this was not followed, not to mention, this debt is in relation to my lease with *** *** ***
Sincerely,
*** ***

National Credit Systems is a third party collection agency representing *** *** *** ***, where the consumer previously resided. The consumer was evicted through the court process and the judgment was rendered May 27, 2014. This account will remain as a disputed item on the
consumer's credit report, however a judge has already ruled in this matter

Thank you for contacting our office on behalf of this consumerWe have reviewed the complaint and found the following:This consumer has informed our office that the account is being disputed due to fraudWe previously spoke to the consumer and mailed a fraud packet, but it was not completed and
returnedWe have notated the dispute and will be mailing another fraud packet to the address listed on the Revdex.com complaintIf the address is not preferable to receive mail, please have this consumer immediately notify our officePlease have this consumer review the documentation and complete the packet, along with signed affidavit and submit the packet back to our office for our investigationWe will review the documents, complete and investigation, and mail our results to the consumer Sincerely, National Credit Systems, Inc

National Credit Systems has no relationship with the individual filing the complaint. We have no information regarding this consumer and therefore cannot correct anything on our end. All through his complaint, the consumer references the problems he has had with a credit reporting agency. I believe his complaint should be directed against the organization where his problem is manifesting itself, as they are the only ones who can correct it. National Credit Systems is in no position to resolve this, as we have no account with the consumer filing the complaint

Compliant: ***The response from the business does not prove the validity of the debt, and does not give me a solution
I am rejecting this response because:
Sincerely,
*** *** ***

Complaint: [redacted]
I am rejecting this response because:First of all, I never received their response to my request for validation.  Under the [redacted] Finance Code rule the debt collector has 30 days to respond to my request.  I did not receive their response in the specified 30 days and there is no evidence I did.  Any information or documentation they send at this point comes too little too late.  They have already violated my rights as a consumer.  And I have already suffered actual damages as a result of their willful negligence.  I am making every effort to resolve this matter out side of presenting this case before a courtroom jury in my community.  I respectfully request the debt collector will do the right thing and request deletion of this invalidated item.
Sincerely,
[redacted]

As the consumer stated, there has already been a judgment issued by the court regarding this account.  National Credit Systems will consult with our client in this matter and after doing so, will contact the consumer and advise them how we will proceed regarding their offer of settlement.

This account has been in our office since November 2013. The account is currently being reported as a disputed item in the credit bureaus.  The consumer has not provided us any identification to show he is not the party listed on the account.  He may do so by contacting us at...

[redacted].  A copy of the charges is currently being mailed to the consumer at the address on the complaint for his review.

National Credit Systems is a third party collection agency, representing [redacted], where the consumer previously resided.  The account is marked as a disputed account for credit reporting purposes.  National Credit Systems will investigate your dispute. ...

When the investigation is completed, National Credit Systems will send the consumer a letter, informing the consumer of the findings of our investigation, with any supporting documentation.  The account will remain as a disputed item, on the consumer's credit file, pending the outcome of our investigation.

Complaint: [redacted]
I am rejecting this response because:i have yet to recieve the response. I will not be accepting til I receive the letter from them
Sincerely,
[redacted]

National Credit Systems, Inc.[redacted]
[redacted]
[redacted]Thank you for contacting National Credit Systems, Inc. on behalf of this consumer. We have researched our records and found the following:The consumer was a legal party to the original debt that went...

into default; therefore, the account was reported on her credit history in 2010.  We recently received a check from this consumer for the full amount on 3-8-2016. The account has now been paid and we have reported the account with the appropriate status to the credit bureaus. The new status should be updated in about 30 to 45 days. We are unable to delete the account history from the credit bureaus.        Thank you, National Credit Systems, Inc.

This account was placed in our office for collection in June 2015.  National Credit Systems is a third party collection agency representing [redacted] community, where the consumer previously resided and has a contract with.  The debt was previously disputed by the...

consumer.  National Credit Systems investigated the dispute and the debt was found to be valid.  National Credit Systems mailed the consumer a letter, validating the debt on July 25, 2017, with supporting documentation.  The account is marked as a disputed account, and will remain on the consumer's credit report as a disputed item at this time.

Thank you for contacting National Credit Systems, Inc. on behalf of this consumer. We have researched our records and found the following: The consumer was a legal party to the original debt that went into default; therefore, the account was reported on her credit history. The divorce decree is...

considered to be a civil matter and does not supersede the original lease contract.  The consumer would need to have the decree against her ex-husband enforced through the court system that has jurisdiction. The consumer has previously disputed this debt and was provided a complete validation of the charges. We have reported the account with the appropriate status. We are unable to delete or remove the account from the consumer’s credit history. We will be happy to update the status once there is a resolution of the debt. Thank you, National Credit Systems, Inc.