Consumer complaint received 2018-01-17
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
In XX/XX/XXXX I received a dunning letter from National Credit Systems , Inc., dated XX/XX/XXXX stating I owed them {$640.00} for a debt owed to XXXX XXXX XXXX C/O XXXX/XXXX. I responded to their letter requesting debt validation. They replied to my letter on XX/XX/XXXX offering me a settlement offer of 50 % off the amount owed.  At the same time, they went ahead and reported the account to the credit reporting agencies. Without providing me the necessary documents or legal paperwork for me to review the account, they placed the account on my credit reports as a way of trying to intimidate and extort me into paying them money for something I do not owe them for. I called their company National Credit Systems , Inc., and spoke to a woman who stated she was unable to explain to me what the charges were for, but that I owed it and needed to pay it. She tried offering me to remove it if I paid the amount closest to {$640.00} that I could come up with. I declined and hung up. Then on XX/XX/XXXX, I received a letter similar to the dunning letter I originally received only this time it had a copy of the lease I signed in XX/XX/XXXX. I attached copies of all the letters I have received from this company and others regarding this same account. I responded to their letter and disputed the account and charges and the fact that I do not owe this collection agency any money. On XX/XX/XXXX National Credit Systems Inc., responded with the exact same letter as before with the same copy of the lease. Then on XX/XX/XXXX received a dunning letter from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX claiming I owed them this exact same debt. It appears that National Credit Systems Inc., sold the  debt to them after they could not validate the account to me. I responded to the XXXX XXXX XXXX XXXX XXXX XXXX XXXX and explained to them how National Credit Systems Inc., could not validate the debt and sold it to them. On XX/XX/XXXX I received a  letter from the XXXX XXXX XXXX XXXX XXXX XXXX offering me a settlement offer for less than the amount owed. I responded to them and advised them I would not be settling anything with them as I did not owe them a dime. I saw on my credit reports are reporting 30-day late pays every 30 days, and I wrote the credit reporting agencies asking them to remove the account and advised them to validate the debt as well. On XX/XX/XXXX I received yet another letter from National Credit Systems stating the exact same thing over and over again as they have continued to send me the exact same letter with no changes or anything new on it. It is the same copy of the lease. There is no contract showing this company own any debt against me. There is no signature of mine on this debt. There is no proof of what these charges are for. There is no legal paperwork of any kind telling me why I owe National Credit Systems Inc., any monies. Instead they provide me the same letter telling me that they have looked into the dispute and have not found sufficient evidence to validate my claims and that I should provide to THEM the information regarding this account. Like really???? I 'm sick of this! This debt keeps getting passed around to different cities, different states, different companies and I want them to remove it from my credit reports once and for all. My next step is to file a lawsuit against them so that they can pay me for damages and so that they can come and tell me face to face in court why I owe them and explain why they have failed to provide me the required paperwork that I have been requesting for almost 2 years now. Going through the CFPB is my LAST and FINAL attempt at resolving this matter. If they continue to push me around with nonsense, I will have copies of my complaint, all my letters from them, and all the letters I have sent to them as well. I 'm done being bullied by this company and they are getting away with it because the credit bureaus let them. I have disputed this account with XXXX, XXXX and XXXX  and neither of them have helped me. I am done waiting around for them to rectify this situation.

Company response to consumer: Closed with explanation