National Credit Systems

National Credit Systems did receive a certified letter, disputing the account National Credit Systems investigated the dispute and the account was found to be valid National Credit Systems mailed the consumer a letter, validating the debt, with supporting documentation on 9/11/2017, to the address on this complaint 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

This account has been in our office since November 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

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

Complaint: [redacted] I am rejecting this response because: This is NOT a request for "verification" or proof of my mailing address, but a request for VALIDATION I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you or I want this alleged, debt taken off of all credit bureau's reports, including [redacted] I have no recollection as to the particulars of this alleged debt Please be advised that the FDCPA requires you to stop all collection activities until you have produced these documents and delivered them to me.Please provide me with the following:· What the money you say I owe is for; · Explain and show me how you calculated what you say I owe; · Provide me with copies of any papers that show I agreed to pay what you say I owe; · Provide a verification or copy of any judgment if applicable; · Identify the original creditor; · Prove the Statute of Limitations has not expired on this account; · Show me that you are licensed to collect in my state; and · Provide me with your license numbers and Registered AgentIf your offices have reported invalidated information to any of the three major Credit Bureau's ( [redacted] ), said action might constitute fraud under both Federal and State LawsDue to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following: · Violation of the Fair Credit Reporting Act · Violation of the Fair Debt Collection Practices Act · Defamation of Character If your offices are able to provide the proper documentation as requested, I will require at least days to investigate this information and during such time all collection activity must cease and desist Also during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counselThis includes any information to a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate when in fact there is no provided proof that it is If your offices fail to respond to this validation request within days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately I would also like to request, in writing, that no telephone contact be made by your offices to my home or to my place of employmentIf your offices attempt telephone communication with me, including but not limited to computer generated calls or correspondence sent to any third parties, it will be considered harassment and I will have no choice but to file suitAll future communications with me MUST be done in writing and sent to the address noted in this letter Sincerely, [redacted] ***

National Credit Systems, Inc[redacted] Thank you for contacting National Credit Systems, Incon behalf of this consumerWe 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 We recently received a check from this consumer for the full amount on 3-8-The account has now been paid and we have reported the account with the appropriate status to the credit bureausThe new status should be updated in about to daysWe 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 February Due to insufficient information, our records indicate no calls have been made on this account since March Additionally, the last letter that was sent was generated in February 2017, which was a offer to settle the account National Credit Systems is not a bonding company and we do not represent a bonding company in this matter We represent Villas at Waterchase, where the consumer previously resided, so the references to bonding are not relevant to our account National Credit Systems will conduct an investigation since the consumer has disputed the debt, and the account has been marked as cease and desist, as well as being marked as a disputed item for credit reporting purposes Once the investigation is completed, we will mail the consumer a letter stating our findings on the investigation, as we are required to do by law The letter will also contain any supporting documentation The account will be reported as a disputed account for credit reporting purposes

This account was placed in our office for collection in June 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

Complaint: [redacted] I am rejecting this response because:Sincerely,Latoya Richardson it was a mistake and the harassed me for the money and I only owed the manger said they did not call that company

Complaint: [redacted] I am rejecting this response because: It has been over one days, and there has been no validation of said debt Sincerely, [redacted] ***

This complaint concerns account [redacted] placed in our office in May As the consumer stated he broke is lease by moving out early Therefore he is subject to the charges called for in the lease agreement he signed and agreed to National Credit Systems will mail the consumer a copy of the charges The consumer may contact his account representative at [redacted] to work out repayment The account will remain as an unpaid disputed debt on the consumer's credit report at this time

Complaint: [redacted] I am rejecting this response because: that was prior to the original creditor admitting their record keeping error and amount owed listed incorrectTherefor violating my rights as continually reporting an incorrect amount after I requested validation back in December Sincerely, [redacted]

Initial Business Response / [redacted] (1000, 5, 2015/06/15) */ Thank you for contacting our officeThis consumer has been sending in payments of per monthWe are accepting and posting the paymentsThank youNational Credit Systems, Inc

Thank you for contacting National Credit Systems, Incon behalf of this consumerWe have researched our records and found the following: We are not saying or implying that these were the only times that the consumer spoke with our agentsWe were simply providing a factual history to support that the consumer version of events is inaccurateWe stand by the following: The consumer, unfortunately, has provided an inaccurate view of how and why the account was reported to his credit historyNational Credit Systems, Increceived 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 accountWe 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

National Credit Systems has extended offers authorized by the client to settle the account numerous times for $1190.82, on a balance of $ These offers always had expiration dates and the consumer did not avail himself of the offer each time it was extended National Credit Systems does not own the account and all settlements have to be authorized by our client, [redacted] , where the consumer previously lived Currently, the client has authorized a settlement in the amount of $ This made be paid online, if the consumer wishes to do so, at [redacted] , or he may call our office to pay this amount Additionally, we are mailing out a copy of the original charges to the consumer for his reference, at the address on the complaint All settlements offers are designed to urge the consumer to pay the account and generally have an expiration date The consumer's account number is 2785430, and the account was placed in our office in August

Complaint: [redacted] I am rejecting this response because: I have not received the original documents from the creditorThis does not solve the lack of customer service and the hang ups that have hindered me from getting this resolvedI have requested information to prove this debt is not mine, and have yet to receive themThey have been refused to me by the representativeI want this taken care of immediatelyI want the name and phone number to the ORIGINAL creditor, as well as copies of the documents sent to national Credit Systems Sincerely, [redacted]

The consumer referenced in account number [redacted] lives at a different address and has a different date of birth This is the person we have reported to the credit reporting agencies Sometimes the credit reporting agencies may mismatch the information we send them to another consumer in error When this happens, it is an error at the credit reporting agency (Trans Union, Equifax or Experian), and not National Credit SystemsTo correct it, a consumer must dispute the account being reported against them with the credit agency that is reporting it National Credit Systems is specifically reporting another party of the same name at a different address and a different date of birth We cannot correct an error made in another company That is why the consumer must dispute the error with the credit reporting agency, in order to correct it

Complaint: [redacted] I am rejecting this response because: I am awaiting photographic evidence of the "damages", and the day notice given at time of move out Sincerely, [redacted]

Account was placed in our office in March Initial notice of placement was sent out advising consumer of right to dispute debt within day period No dispute was received from the consumer and the debt is considered valid Signed paperwork is on file signed by the consumer A payment was actually received 1/31/ National Credit Systems will investigate the balance again with our client The client has days to respond A letter will be mailed to the consumer at the address given on this complaint, advising him of our findings The account has been marked as a disputed item, but will remain on the consumer's credit report as a disputed item at this time

Complaint: [redacted] I am rejecting this response because: I have not received supporting documentation I would like to receive a copy of the leaseThis is especially important because I have been told different things since inquiring about the causeInitially I was told that this charge was because I was still living in the unit up until March 31(this was untrue)After providing [redacted] with a copy of a letter from Greystone and a copy of my new residence, then I was told that the charge stemmed from liquidated charges for not giving adequate noticeAt this point, I feel like this is an attempt to not admit a mistake Sincerely, [redacted]

An paid letter receipt was emailed to the consumer on March 7, 2018, to the email address for the consumer on this complaint This should satisfy the consumer's concerns