Consumer complaint received 2017-07-14
Company: National Credit Systems,Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This is the 2nd notice of dispute of this collection notice. The initial dispute was placed with your office in XX/XX/XXXX with a lady ( I believe her name was XXXX ). I again spoke to XXXX XXXX with the collection company, National Credit Systems approx. XX/XX/XXXX. My conversation with him at the time was not only to dispute the information ( collection notice ) but also requested proof of the debt owed. Instead, another notice of collection was issued a week later on XX/XX/XXXX. <P/>As of this letter, I still have not been provided with the proof of the debt owed to XXXX XXXX XXXX  XXXX. I explained to XXXX XXXX, I had 165 pages of documentation providing we didnt owe this debt. How can this debt be placed in collection on a credit bureau without proper proof of the debt as it has been disputed twice with two individuals of National Credit Systems in XX/XX/XXXX and XX/XX/XXXX. <P/>In XX/XX/XXXX, I informed the XXXX XXXX, I didnt lease a property from this apartment complex. There was several discussions with the leasing agent, XXXX and property manager, XXXX XXXX. The lease prepared was not prepared correctly with the terms agreed upon therefore was not finalized. My husband and I met with the XXXX XXXX with the XXXX complex. She apologized and admitted to my husband and I the file was handled both incorrectly and unprofessionally. Agreed to refund {$290.00} and no further obligation was due. An email stating {$290.00} would be refunded. The refund has yet to be processed and received since XX/XX/XXXX. Recently, when my attorney contacted the property manager, XXXX again another credit was issued and an email received. Yet still no refunds have been issued. This case is pending legal action in a court of law in XXXX XXXX XXXX XX/XX/XXXX. <P/>I have requested proof of the debt as previously requested twice. Their notice clearly states if the debt is disputed National Credit Systems will provide proof of the debt. Why have I not received the proof of the prior to placing this file in collection on my credit report? Due to this file being disputed and no proof of the debt has been provided, the entry needs to be removed from credit bureaus. Proof of the removal from the credit bureau until such time proof of the debt is provided and resolved in a court of law should be provided within 7 business days. <P/>The proof of debt and cancellation of reporting can be mailed to XXXX XXXX XXXX, XXXX XXXX, XXXX, LA XXXX. <P/>I have supplied National Credit Systems with a copy of both refund letters from the property manager, XXXX XXXX with The XXXX XXXX XXXX XXXX. I can also provide the CFPB with copies of the same. <P/>XXXX XXXX stated in XX/XX/XXXX, it was our responsibility to provide him with the proof I did n't owe the debt. I tried to explain several times the burden of proof was on the collection agency if it was disputed. As why it was sent to the credit bureaus after communicating with their office in XX/XX/XXXX when the first notice was sent. Ask him to remove the entry until proof was provided and he refused. Called me a liar and was extremely rude. The collection tactics was an attempt to frustrate me.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation