National Credit Systems

Complaint: [redacted] I am rejecting this response because: This account was disputed in accordance to FCRA laws and met the requirement for re-investigation National Credit System failed to respond to such request made to validate debt is owed by myself and Experian In accordance to FCRA laws, items that have not provided sufficient evidence of validation are to be deleted immediately from any and all consumer credit reports and further collection of debt must cease This case was never disputed as a fraud case as they claim This was disputed as an inaccuracy that was place on each of the credit bureau reports In doing so, National Credit System complied in deleting report account to Transunion and Equifax but failed to do so with Experian Question were raised as to why they complied with deleting account from two credit bureaus but failed to do so with Experian in accordance to the FCRA laws National Credit Systems did not and does not have valid proof that debt is owed In pursuant to Secton of the Fair Credit Reporting Act, sufficient and adequate proof of debt is the original signed contractNational Credit System has failed to produce such documents or agreements They also failed to produce a contract/agreement that I have signed in which I validated such alleged debt and agreed to pay alleged debtFCRA does not consider itemized bill, information just because it matches the name, address, DOB or SSN to be sufficient proof or validation of debt Sincerely, [redacted]

This account was placed in our office for collection in February The consumer previously disputed the debt National Credit Systems investigated the dispute and the debt was found to be a valid debt Letters were sent to the consumer at the address on this complaint, advising the consumer that the debt had been validated and with supporting documentation, on January 22, & February 12, The account is marked as a disputed account and will remain on the consumer's credit reports at this time Additionally, the account is in a cease & desist status and is not being called by our collection staff at this time

Complaint: [redacted] I am rejecting this response because:"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." - So the question still remains unanswered and ignored, why did the Customer Services Representative (or whatever title they use) from National Credit Systems asked me to fax my personal information so this issue can "actually" be fixedAfter the phone agent said HERSELF the date of births did not match I was told by the phone rep to send a fax to [redacted] with the account # [redacted] , A COPY OF MY DRIVER'S LICENSE AND SOCIAL SECURITY CARD, and a cover sheet with my name, address, telephone number, and emailAll this SHOULD be in notes for the account # [redacted] , or hopefully the conversation was recorded as it mentions when you first call (I doubt it!).- As I have already mentioned beforeI have directed my complaint against the organization where "my" problem is manifesting itselfI have done this twice (read previous message in its entirety for full and all details)I called National Credit Systems this past month and the phone rep said that "my" issue happened AGAIN because I have not sent my personal information to NATIONAL CREDIT SYSTEMS for them TO REMOVE ME from this account; and I was told that disputing this with the "organization" (Equifax) was not going to fix it Sincerely, [redacted]

It is the policy of National Credit Systems that no "receipt" letters are provided to the consumers until the account has been satisfied in full The consumer's own bank records will serve as a receipt for each payment made, until that time This account was placed in our office in August The entire balance was due to our client, at the date of move out, which the records we have received indicate was July 12,

Revdex.com:I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution is satisfactory to me as soon as I receive the paper copy of my receipt marking the debt as paid in full.Sincerely, [redacted]

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

National Credit Systems is a third party collection agency, representing The Briarcreek Commons Apartment Community, where the consumer previously resided and has a contract with. National Credit Systems will investigate the consumer's dispute. After the investigation is... completed, a letter will be sent to the consumer, at the address on this complaint, advising the consumer of our findings, along with any supporting documentation. This account is being reported as a disputed account for credit reporting purposes, and will remain on the consumer's credit report at this time, as a disputed item, pending the outcome of our investigation.

This account was placed in our office in November and final payment on the account was made July 1, All money was remitted to our client at that time and this account is well beyond the statue of limitations Was this a mistake in sending this to National Credit Systems at this time?

Complaint: [redacted] I am rejecting this response because: The company completely disregarded their disrespectful employeeI am a single mom without help and this apartment is going to leave me homelessI do not have the funds to complete what they’re requesting me to pay to remove this from my credit report and put a down payment on a homeI was calling for assistance and options and the woman on the phone had no empathy and was far from willing to assist me Sincerely, [redacted]

The person who filed this complaint is not an account holder for the account she identified She is a third party A paid letter has been emailed to the consumer, whose account this is on March 7, National Credit Systems does not release information to any third party without the express written consent of the consumer, to whom the account belongs, due to laws designed to protect the privacy of the consumer The person who filed the complaint may contact the consumer and request a copy of a paid letter be sent to her, if the consumer decides to do so As far as a receipt goes, the payer will have their own bank records for a receipt of any payment

I have no knowledge of this accounti went to check my credit and noticed this was on my report.so im asking for it to be investigated and to have it removed from all credit reporting agencies

This account has been marked for deletion from the consumer's credit reports It will be submitted on or about 12/7/2017, and should be removed by [redacted] , shortly there after A letter is being mailed to the consumer confirming that the account has been closed to the address on this complaint This should resolve the issue for the consumer

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

This account is no longer in this office and the consumer should contact the law offices of [redacted] at 888-231- However, the debtor previously disputed the debt and National Credit Systems investigated the consumer's dispute The debt was found to be valid A letter was mailed to the consumer validating the debt, with supporting documentation on November 27, The account is marked as a disputed account for credit reporting purposes and will remain on the consumer's credit report at this time

Thank you for contacting our office on behalf of this consumerWe have reviewed our records and offer the following:National Credit Systems, Incis not attempting to extort any money from this consumerWe are a third party agency that is collecting on behalf of the original clientThis consumer has two accounts in collections, totalling We will be happy to provide the consumer with a validation of all chargesWe have previously mailed numerous letters to the consumer to an address that we believed to be validWe have received numerous disputes and have notated our recordsPlease have the consumer notify us of an appropriate address to where validation of charges can be sentWe will be happy to send Sincerely, National Credit Systems, Inc

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

National Credit Systems is a third party collection agency representing [redacted] This account ( [redacted] ) was placed in our office in June National Credit Systems will investigate the dispute Once the investigation has been completed, National Credit Systems will send a letter to the consumer, at the address on this complaint, advising the consumer of the findings of our investigation, with substantiating documents The account has been marked as a disputed account, and will continue to be reported as a disputed account on the consumer's credit reports, pending the outcome of our investigation

Complaint: [redacted] I am rejecting this response because:This is incorrect if you are implying that there were only two conversations between myself and your establishmentThere were conversations in between where I asked to speak with the manager and the manager herself got an attitude and disconnected the callI'm quite sure there is no documentation of thatI don't know who or way got the information wrong but why would ANYBODY pay an account with incorrect informationThis is only another example of this company attempting to throw the blameThere were irresponsiblilite in both parties but National Credit Systems (as before) does nothing on their part regarding their mistakes Sincerely, [redacted]

National Credit Systems, Inc [redacted] *** [redacted] 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 disputedWe have notated the dispute and will be mailing validation to the address listed on the Revdex.com complaint If the address is not preferable to receive mail, please have this consumer immediately notify our officePlease have this consumer review the documentation and then contact our office to resolve the debt Thank you, National Credit Systems, Inc

Complaint: [redacted] I am rejecting this response because:First of all, debt collector did not respond to my request for validation within the timeframe specified under the Texas Finance Code days And there is no evidence to support their claim of having done so In addition credit bureau reporting is considered collection activity, so they never ceased collection on this account I have suffered substantial actual damages as a result of this debt collector's willful negligence However, I am making every effort to resolve this matter without presenting this case to a courtroom before a jury in my communityI am respectfully asking that this invalidated account be deleted from my credit reports Sincerely, [redacted]