Consumer complaint received 2017-10-18
Company: National Credit Systems,Inc.
State: KY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
There was more than repeated calling taking place in my situation. I work over night so I sleep during the day and I keep my phone in 'do not disturb ' mode so that my phone wo n't ring unless it is an emergency. Consecutive calls will override the silencing function and cause any repeat calls from the same caller to ring out. In stead of leaving a message in my voice mail, National Credit Systems would place consecutive calls to me so that my phone would ring and wake me up. They would call me from varying numbers with a XXXX area code. I did n't recognize the number and I was trying to sleep so I did not answer their calls until XX/XX/XXXX when they had finally called me during a time when I was awake. I spoke with XXXX XXXX on that day and she told me she had calls and spoken with me on XX/XX/XXXX around XXXX XXXX and that, on that date, I told her I would pay the debt I allegedly owed them on XX/XX/XXXX. She told me that the debt I owed was an unpaid balance from an apartment I had rented with two other people back in XX/XX/XXXX. I told her I had no knowledge of the debt and that when I vacated the apartment in XX/XX/XXXX my balance was paid in full. XXXX XXXX then became angry and essentially accused me of lying about not knowing about the debt because she had a note on the account that she herself spoke with me on XX/XX/XXXX around XXXX at my phone number. She began to threaten to mark the account as a refusal to pay if I did n't give her payment information at that very moment. I told her again I had no knowledge of the debt and that I had no knowledge of the debt but that only caused her to become more angry. To calm her, I told her I would contact my ex roommates for her and have them call her since she had claimed to have been unsuccessful in her attempts contacting them herself. She agreed to hold off on marking the account as a refusal to pay while i attempted to contact my ex roommates. My one roommate posted a payment a little later in the day after speaking with XXXX XXXX and her supervisor, a male whose name I do not know. Before that roommate contacted XXXX XXXX on XX/XX/XXXX I checked my phone records for the day she claims to have spoken with me and I found that there was a call received by my phone on XX/XX/XXXX at XXXX but the call was not answered. I had called her back requesting to hear the recording she claimed to have of the conversation with me on that day but she refused to let me listen to it without a subpoena. I terminated the call, contacted the roommate and informed him about what had just taken place, then I immediately contacted a law firm that specializes in these matters. I could only get a receptionist and I am currently waiting for one of the attorneys to return the message I left with the receptionist. In addition to the above offenses, I never received any written notification of any funds owed and am still unsure exactly what they were claiming I was liable for.

Company response to consumer: Closed with explanation