Consumer complaint received 2017-10-07
Company: National Commercial Services, Inc
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had been doing business with XXXX since XXXX with no problems to my account that I was aware of. In XXXX XXXX I started to get emails and correspondence from an XXXX rep that my company owed {$2500.00}. They sent me their company spreadsheets with open invoice numbers. My wife tried several times to speak with the rep over the phone to go over our payment history but was not able to resolve this problem. We did n't understand how we could owe more than a years worth of services when we has been making monthly payments and if we did owe so much why would they continue to service our account. 

On XXXX XXXX, XXXX my wife was contacted by email by XXXX XXXX from XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. He requested that we review invoices that he sent and payment status of those invoices in question. My wife emailed him all the payments with the check numbers on XXXX XXXX, XXXX. She totaled the amount of payments made and it was more than the amount they were requesting. She proposed that it may be possible XXXX owed us. She notified XXXX XXXX in writing that we do not agree with the amount owed to them. At this point, WE discontinued services with them. 

My wife emailed XXXX XXXX XXXX, XXXX and XXXX and never got a response in regards to the information she provided him. 

We received an email on XXXX XXXX, XXXX by XXXX XXXX of XXXX XXXX XXXX stating they represent XXXX and demanding the payment of {$2500.00}. My wife called him to explain she was still waiting for XXXX XXXX to contact her with results of all the info she provided to him at his request. My wife XXXX stated that XXXX XXXX interrupted her and began demanding the money and disparaging her. She hung up and we hired a lawyer. 

We sent all our correspondence with XXXX and XXXX XXXX to XXXX XXXX XXXX, XXXX located in XXXX XXXX. He sent notification that we hired him and for all correspondence to go directly to him. He never heard anything back from XXXX or XXXX XXXX. 

On XXXX XXXX, XXXX we received a collection notice letter from National Commercial Services on behalf of XXXX requesting payment of {$2300.00}. I sent this directly to my lawyer who sent correspondence on XXXX XXXX, XXXX notifying this company that he represented us in the collection matter. 

XXXX XXXX has not heard anything back from this company. 

On XXXX XXXX XXXX, I checked my credit report and saw that XXXX has reported me to the credit bureau stating I was delinquent in the amount of {$2300.00}, which is a different amount then what they originally told us we owed back in XXXX. 

We have provided documentation of our payments to XXXX, we have put in writing that we disagree with the amount they are requesting and they have failed to send any results or supporting data of what we owe. XXXX also refuses to contact my lawyer even though they have been put on notice that he represents us.

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