Consumer complaint received 2021-01-20
Company: National Credit Systems,Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
In XXXX 2020 I pulled my credit report and noticed that a collection account was listed as National Credit Systems. The account listed XXXX XXXX as the original creditor. I contacted XXXX XXXX in regard to the account and the office manager says they no longer have my information because it had been transferred over to National Credit Systems. I reached out to National Credit Systems and they located the account. I asked for information concerning the debt to be sent to me via mail. I never received anything from them at all! The gentleman I spoke with was Mr. XXXX. He asked me to get on a payment plan and I told him that I needed to see the documents first. He said they could offer me a payment plan at {$100.00} per month. I told him that was impossible because I couldnt afford it. He told me the documents would be mailed out that week. That was close to one year ago and I still havent received anything from them. 

I reached out to them again about 2 weeks later to find out what happened with the paperwork. I was told the documents would be sent out that week. I was told I could set up a payment plan to avoid further legal action. I was afraid I would be sued, and I have a XXXX and cant afford any type of legal defense, garnishment etc. so out of fear I made an initial payment of {$75.00}. I told them that was all I could afford and honestly I still wasnt sure if I was supposed to pay them. I just wanted to get everything straightened out. Mr. XXXX did ask what I could afford to pay and I told them I cant get on a plan but I could try to pay something when I had extra money. I asked if they had a website and I was told I would have to call and give my card information over the phone each month. I also called back and made an additional {$50.00} payment the following month. 
I called another month later to make payment even though I still hadnt received anything from them confirming/validating the debt. I asked to speak with Mr. XXXX and I was told that National Credit Systems no longer handled my debt and that I would need to contact Attorney XXXX XXXX. I immediately called them. I requested information concerning the debt and up to this point I have never received anything from them. I requested this information and even disputed with the credit bureaus. The lady I was transferred to at XXXX XXXX says she is handling my case and I would have to deal with her. She told me that I need to get on the {$100.00} per month payment plan to avoid legal action and garnishment. I told her I couldnt afford it and that I only had a few dollars to spare. I did tell her that I would pay what I could when I had extra money as long as they could prove the debt was mine. I never received anything from them even after I mailed in a few payments. I thought they were waiting on me to make a payment before they sent out paper work. She told me they didnt have a website that would allow me to make payments online and that was lie. I was mailing payments in at the post office when I could have gotten online. 

She also says that I needed to make the payments to Attorney XXXX XXXX and not to National Credit Systems which is listed on my report. I asked why I needed to send payments to him if hes not the company listed on my report. I never received a clear answer I just did what I was told to avoid garnishment or being sued. Please help me! I want this off of my report. I started searching for answers and I see so many complaints on the XXXX  website that this attorneys office is doing this same thing to others. It seems as if they are using National Credit Systems name to collect money for the attorneys office. Im not sure if im being scammed or not. Please help.

Company response to consumer: Closed with explanation