- Report: #1047214
Complaint Review: National Credit Systems - Atlanta Georgia
2 Updates & Rebuttals Read More About : National Credit Systems
Reported By:
Joshua -
Etna, Ohio,
Submitted:
Updated:
-
Author Confirmed
Why?
National Credit Systems
P.O. Box 312125 Atlanta, 31131 Georgia, USA
Phone:
8004591539
Web:
http://www.nationalcreditsystems.com
Categories:
Business Rating:
(0)
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National Credit Systems Failure to abide by the FDCPA; Failure to follow agreement of NO CREDIT REPORTING; Failure to prove debts owed Atlanta Georgia
I received a letter in the early weeks of February, 2013, from NCS (National Credit Systems) regarding a supposed debt that was owed from a previous residence I lived in. When I received the correspondence, I immediately filed a complaint with the company and challenged the validity of said debt via the Better Business Bureau. To date, the company has continually refused to legally verify said debts. I took it upon myself to contact management at the companies that sold this supposed debt to NCS and was able to prove the debt was invalid. The company directly sent me confirmation that the debt owed was updated to the correct amounts. Since that time, NCS sent me ONE letter with the new amount on it, but to date has still refused to provide me proof of said debt from THEIR company. Per the FDCPA, they are required to provide proof of any debt within 30 days of my request or the debt is invalid.
To date, they have not done so, well past the 30 days required by law.
Furthermore, I have been in dispute with this debt since I was first notified of it. As such, the company has NO legal right to report ANYTHING to my credit file with ANY agency.
It is hereby demanded that NCS remove ALL reporting of ANY ACCOUNT off of ANY and ALL credit files, agencies, bureaus and reports at ONCE. Furthermore, due to the failure of the company to follow the FDCPA, it is hereby DEMANDED that ALL debts owed by me to NCS be zeroed out and considered PAID IN FULL and/or CANCELLED.
I DEMAND a member of NCS' management team CALL ME directly AT ONCE to resolve this issue.
2 Updates & Rebuttals
KellyRNED
Austin,Texas,
You're FOS!
#2Consumer Comment
Tue, February 11, 2014
You're so full of crap! Each time I receive a bill from you guys, the balance dramatically decreases. How is that possible? Do you have substantiated evidence to support doubling balances?? Are you just PLAYING with the balance so that we, consumers, will bite back? What's the point? Not to mention it is FRAUDULENT. You guys are just a bunch of scumbags trying to, instead of making a buck, stealing a buck from us consumers who were dissatisfied with the services we received to begin with! By the way, you won't get an effing dime from me. So, keep upping the balances, and try to show proof when my lawyer contacts you! LOSERS!
Richard James
Atlanta,Georgia,
National Credit Systems, Inc
#3UPDATE Employee
Wed, May 01, 2013
NCS is a reputable collection firm, which has been in business for over 21 years. Our company policy and practice is to operate in an ethical and lawful manner at all times.
We in no way wish to pursue the collection of a debt that is not legally owed. If we are made aware of a discrepancy or inaccuracy, we will work to appropriately remedy the situation.
We would like to add, very few debts are sold to NCS and usually it is the original creditor who is pursuing the balance. However, if this is one of the very few debts sold to NCS we will make sure the debt is valid before continuing to pursue the matter.
If you have an outstanding issues with our firm, we invite you to contact our office. We will research your concern and make efforts to resolve it amicably. Please send us any documentation you mentioned in your report. We will contact your former landlord and present your evidence to them to review. If it is determined that your credit has been unjust affected we will correct any oversights
If you would like to contact managment directly you may call 678-244-2841 and mention you are responding to this report.
