Consumer complaint received 2017-01-18
Company: National Credit Systems,Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a debt for rent/move out, I disputed. I had called Nation Credit Systems Inc. and asked if they could offer 50 % the amount owed and was told no, they did not have the authority. I then contacted XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, of XXXX around XXXX XXXX. 

In my phone conversation, XXXX said he can authorize the 50 % reduced amount to pay. I also asked if he could have this removed from our credit report as we are trying to build our credit back up and he said he would speak to National Credit to have it removed. 

On XXXX XXXX XXXX I received an e-mail from XXXX stating the XXXX has contacted National Credit and authorized them to accept 50 % of the dept as settlement. On XXXX XXXX XXXX, I contacted National Credit. They checked the records and confirmed they will take 50 % of the debt. 

I spoke to a XXXX XXXX and sated I spoke with XXXX XXXX of the XXXX and confirmed with XXXX XXXX that this would be removed from my credit. XXXX XXXX said it would be removed and it can take up to 30 days ( XXXX XXXX XXXX XXXX days ). They said as soon as I paid it, they would send me an e-mail confirmation that the debt had been satisfied. 
I received the confirmation e-mail on XXXX XXXX XXXX ( attachment XXXX ). 

It did not mention that it would be removed from my credit. When I called XXXX XXXX back to discuss what I was told by XXXX XXXX and himself that it would be removed, he hung-up on me. I then called back and spoke to a supervisor about XXXX XXXX and what he said he would do along with XXXX XXXX, in having it removed. The supervisor was not very helpful at all and when I requested a copy of my phone conversation, she refused it and said it was for the use only. 

This was finally removed with in the 30 days, and then National Credit report this debt back to XXXX on XXXX XXXX XXXX, They illegally reported back to XXXX 11 days after they debt was settled and confirmed and removed ( attachment XXXX ). 

After finding this back on our credit my wife contact XXXX XXXX again via e-mail and she had spoke with him prior to this on the phone. She advised him of the situation on XXXX XXXX XXXX, that this was reported back on our credit after an agreement was meet for payment, that it was removed and then re-reported back to XXXX and that he said XXXX would also make sure it was removed. 

On XXXX XXXX XXXX my wife received an e-mail from XXXX XXXX ( Interim XXXX of Housing ) stating that XXXX XXXX no longer works at the XXXX. XXXX has been in contact with the collection agency to try to rectify the situation. After 11 days of no update, we re-contacted XXXX on XXXX XXXX XXXX. 

They replied that they contacted Nation Credit Service and requested they remove this from our credit records. She stated National Credit Systems was unable or refused to delete it from our credit record. 
1. Is it not illegal for National Credit Service to tell me they will remove it as soon as I pay it and not send me proof of that? 

2. Is it not illegal for National Credit Service to remove it after the debt was paid by agreement, then to report it back to XXXX 11 days later after it was removed? ( it made my credit score go back down ). 

3. Now we are in a battle of who has the authority to have this removed from our credit records, the XXXX or National Credit Service. We have had several debts that we have done the same thing on and they have all been removed without question. 

4. Now on XXXX XXXX XXXX National Credit Systems has removed it from reporting to the closed section and it still shows on my report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation