Consumer complaint received 2017-05-29
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I previously rented an apartment with an agency named  XXXX   XXXX   XXXX , owned by  XXXX   XXXX   XXXX . I moved from the residence in  XXXX   XXXX ,  XXXX , and approximately one month later was advised that I had a bill for move out fees. I logged onto the website where I used to make my rent payments and the site said that I had an open balance of {$440.00} due, which I paid with debit  XXXX  on  XXXX   XXXX ,  XXXX . I took a screenshot of the page that now said I had a  XXXX  balance, and a receipt was also auto generated and sent to my inbox as proof of my payment.     On  XXXX   XXXX , I received a phone call from NCC business services stating that they were calling on behalf of  XXXX   XXXX   XXXX . According to them, my account had been forwarded to their office on that date and they were trying to collect on the debt. I told the representative that I paid  XXXX  so this had to be a mistake, but they insisted that I owed {$500.00} plus an additional {$330.00}, and if I did not pay this balance they would report me to the credit bureaus. At the time I was attempting to purchase my second home and I just did not want a collection account on my credit, so I agreed and paid them {$500.00} and {$330.00} from the same debit card I used to pay  XXXX . NCC stated that I could sort it out with  XXXX  later but it would just be best to pay them. It was probably a foolish decision on my part and yes I am better educated on this now, but I was just trying to avoid it reporting to the bureaus, which was a waste of time because in  XXXX  of  XXXX , an account for a collection wit h NCC Business Services a ppeared on my credit report in the amount of {$500.00}.     After seeing this account appear on my credit report I disputed it with all the bureaus, as well as contactin g NCC a nd  XXXX  via email and phone calls but no one would talk to me or return my emails. I sent all of the receipts with the proof that this debt was paid and that the account was sent to NCC in error in the first place, yet  XXXX  nor NCC would take accountability. I even went to the management office at the apartment community. I keep disputing this item on my credit report and low and behold, NCC keeps verifying the debt. The credit bureaus have been absolutely NO HELP. The only one who seems to believe the proof I submitted for investigation is   XXXX    because they actually deleted it. I have no clue of what to do anymore but I am positive that this is illegal.     I look at my credit report and despite the dates on my receipts and bank statements, they backdate this account to make it appear as if it has been on their books since  XXXX   XXXX  ... coincidentally since they called me on  XXXX   XXXX  and I paid them ( approximate ly thirty day s after ) yet I never received anything in writing from these people.  XXXX   XXXX  was the first communication that I received from them and, they stated that the account was placed in their office that day. Also, in examining my credit report, I found that they are saying I made some sort of payment in  XXXX  of  XXXX . I paid them NOTHING in  XXXX   XXXX  because I owed nothing. To date they refresh the account on my credit report every month at the end around the  XXXX  or  XXXX  of the month fluctuating the balance from {$500.00} to {$57.00} to make it appear as if it is a revolving debt.     I just received an alert from  XXXX  which states the following  ; NCC BUSINESS SERVICES   XX/XX/XXXX   XXXX  is reporting that your NCC BUSINESS SERVICES past due balance has increased to {$500.00}.     I have disputed this multiple times as I stated before and submitted all of my proof to the credit bureaus. It seems that the only result I have gotten is giving them ammunition to alter their records to make it appear as if I am being untruthful.     I come to you as a last resort because I have exhausted EVERY option I can think of myself. Anyway that you can be of assistance I greatly appreciate. There are THREE parties here who need to be held accountable  ; 1.   XXXX   XXXX   XXXX   2. NCC Business Services 3.   The credit bure aus (  XXXX  and  XXXX  ) for f ailing to investigate the validity of the debt properly based on the evidence presented If anything is needed of me, please do not hesitate to contact me. I thank you in advance for your time.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation