Consumer complaint received 2018-08-03
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I opened a complaint back in XX/XX/XXXX regarding XX/XX/XXXX through the CFPB. NCC responded and did not provide enough information other than the lease I signed and apologized for not communicating to me about the debt. I have since opened another case which is XXXX that I submitted on XX/XX/XXXX. Again, NCC responded, provided some additional documentation but now they are describing things that they did but did not provide proof of that and this was Closed just because they responded on XX/XX/XXXX. I am opening a new issue because this company needs to be held accountable, needs to provide factual information and I feel this needs to be removed from all three credit bureaus because after looking at all the details provided by NCC for both of my disputes, they are clearly not following specific laws. I do not agree that all of my issued have been addressed and I have even more questions now. I submitted a previous dispute on XX/XX/XXXX through the CFPB with this company advising that I was never contacted by NCC and requested proof of this debt. The company responded to that concern stating that they apologized for any miscommunication and at that time provided my lease and a list of fees. Now NCC has responded to my new dispute advising that they sent me a XXXX letter and have called me 300 times over the past 4 years. I am requesting to see a list of those 300 calls. If they can respond with the total amount of calls then I want to see the proof of that. I also want a copy of the XXXX letter that was sent to me. I have never heard anything from this company until I opened my 1st dispute back in XX/XX/XXXX. I also have concerns with the charges NCC has just provided in my new dispute in XX/XX/XXXX. The Town of XXXX XXXX has charges from XX/XX/XXXX - XX/XX/XXXX. NCC advised that the new tenant moved in on XX/XX/XXXX. It clearly states that I was only responsible for any fees up until a new tenant moved in. I am being charged for 1 day more than what I should be because the property was occupied by a new tenant on XX/XX/XXXX. Also, the invoice for XXXX provided by NCC has a service date of XX/XX/XXXX for fees of {$150.00}. Again, I was only responsible for expenses until XX/XX/XXXX because the new tenant moved in on XX/XX/XXXX. I should not be responsible for this. The invoice provided by NCC from XXXX XXXX XXXX is dated XX/XX/XXXX for an amount of {$220.00}. I did not move out of the home until XX/XX/XXXX. How can I be charged for an invoice for carpet cleaning when I was still in the home? The carpet cleaning was done after I moved out which was on XX/XX/XXXX. They would not have cleaned the carpet just shy of 3 weeks of me moving out. This should not be billed to me and I am debating this. The letter provided by NCC from XXXX XXXX with XXXX XXXX   XXXX clearly states that they are in receipt of my letter to vacate and that I would only be responsible for charges up until a new tenant moves in which they did on XX/XX/XXXX. Just 17 days after I vacated. Under the rules of the FDCPA, debt collectors are required to provide details about each debt they are attempting to collect by sending written notice with the following information : Name of Creditor, Amount Owed and Instuctions on how to repay the debt. I want to see the notice that was mailed to me to ensure compliance with the FDCPA. I never received anything until I requested it in XX/XX/XXXX and NCC claims to have had this debt since XX/XX/XXXX. I would also like to address Harassment. Debt collectors may not harass. There are specific laws that state repeatedly contacting the consumer causing annoyance or calling places of employment are illegal. I bring this up because NCC states they have attempted to contact me over 300 times in the past 4 years. Again, if they know the amount of calls, I want to see a call log of where I was contacted, the hours I was contacted between and the numbers that were being called. Prove what you are saying you did. I never received an invoice, I never received a call to my knowledge about payment arrangements or resolving this debt. It is the law to provide this to me. More than likely if I received 300+ phone calls I would have, 1 ) made arrangements and 2 ) reported NCC for harassment depending of the frequency of the calls and/or timing of the calls ( during work or on or after specific hours ).

Company response to consumer: Closed with explanation