Consumer complaint received 2019-10-06
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I have been trying to work with National Credit Systems for months now in regard to a property debt with XXXX XXXX. The amount is {$4400.00}. I have specifically worked with XXXX, ( Main representative ) XXXX ( Supervisor ) and been forwarded to two of the " managers '' XXXX and XXXX. 

Unfortunately, I have had a terrible experience working with National Credit Systems. I began working with them in late XXXX, early XXXX to resolve the alleged account with them. My first step to resolving this account was to ask them if I could settle. I asked if they could please ask the account holder if we could settle with that amount of {$1800.00}. XXXX immediately responded, " NO! '' " Our client would not take that amount, I know it. '' She refused to allow me to ask for the settlement. So, I asked for a copy of whatever evidence was provided to open this account. The shreds of evidence provided were a lease and a handwritten move-out inspection form with a bunch of random charges on it. There were many discrepancies on the form and I had opposing evidence to prove it was not correct. 

During this time : XXXX would also tell me the documented evidence would be sent and it, in fact, wouldn't be. I would call in weekly to let them know I did not receive any documents from them. These weekly calls would be fruitless and XXXX would keep me on the phone for an estimated 45-1.3 hours. Both times requested, the " evidence '' was sent over a month later and both times, the same documents were sent. ( Lease and Move-out form ) I also asked who the account holder was so I could do my own research and hopefully, a resolution. National Credit Systems told me the XXXX account was under XXXX XXXX XXXX. I called XXXX XXXX XXXX and spoke with the regional account manager, XXXX. She assured me that the account was not active. And explained XXXX was removed as the property management company when XXXX XXXX purchased XXXX. She also let me know that XXXX assumed all of the debts against XXXX and paid all accounts. 

I then contacted XXXX XXXX just in case they could help me resolve the account and spoke with the regional manager, XXXX. XXXX explained the XXXX XXXX was purchased and that XXXX had also purchased and closed all of XXXX 's previous debts. Everything prior to the XXXX 's purchase was done and gone. There is not even any record of previous tenants, she said. ( I left the unit in XXXX. XXXX  purchased XXXX in XX/XX/XXXX ) I called to let National Credit Systems and informed them of what I have learned. I also asked that they please put the account in dispute because the account is paid and closed according to XXXX XXXX XXXX and the new XXXX owners, XXXX XXXX. After clueless debates over the information I just presented, XXXX and XXXX agreed they would put the account in dispute. But when I contacted the credit bureau to ensure it infact was, I was told the account was not in dispute. 

My most recent attempts to communicate and come to a resolution with National Credit Systems have become even more cringe-worthy than before. When I told them that the credit bureaus said the account was not in dispute, XXXX became very heated. She told me they have to finish their investigation to see who owns the debt. She said that XXXX has not been responding to them but, they can't close it and remove it off my record until they find out who owns the debt. When probed how long the investigation could take, XXXX said " 2 months, 4 months, maybe 12 we don't know. '' I asked how they perform an investigation and she said she does not know. I have been trying to get this resolved for months now and I am unable to rent due to this property charge! 

I want this account removed from my credit. It was a fraudulent charge with no evidence or proof from the beginning and the account has since been paid and closed.

Company response to consumer: Closed with explanation