Consumer complaint received 2016-11-01
Company: NCC Business Services, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On XX/XX/2016, XXXX XXXX with NCC Business Services contacted me. He asked if I was the ( name ) at ( address ). I stated yes, what is this regarding? He told me that it was an attempt to collect a debt. He said he had to verify my social or date of birth to confirm it was the correct person. I stated that I would n't be providing this information over the phone and that he had already verified my address. He said it was a matter of public record so he already has that info but needs me to verify it. I again refused and stated that I do not have any outstanding debts. I told him that if he believes that I do, he can send it to me in writing. He said that they have tried to send things via mail numerous times but I have not responded so that is why they are calling. I told him that I have not received any mail communication regarding a debt. He argued and I again told him to send it to me via certified mail if he believes I owe a debt and that is where the conversation ended. 
On XX/XX/2016, I again received a call from XXXX at NCC Business Services. It went exactly like the first call. At this point, I have still not received any mail communication from them and was not aware of what debt they were attempting to collect since I would not give out my personal information. I told him during this call again to send it to me in writing and to stop calling me. I also let him know that I would no longer answer his calls. I also put in a complaint via their website in attempt to stop the calls and have them verify the debt in writing. 
He called again on XX/XX/XXXX and XX/XX/XXXX but I did not answer these calls. On XX/XX/2016, I sent a certified letter to NCC Business Services to validate the debt in writing and to stop contacting me via phone. The letter was delivered on XX/XX/2016. 
On about XX/XX/2016, I received my first letter from NCC Business Services claiming that the debt was from my old apartment complex. I have email proof and matching bank statements to prove that this amount was paid. I emailed the apartment complex, called them three times and then emailed another corporate contact at the apartment complex between XX/XX/XXXX and XX/XX/XXXX to have them rectify this situation. 
On XX/XX/2016, 3 days after receipt of my certified letter, XXXX from NCC Business Services called my phone again. I thought he must be calling to tell me that they would no longer be contacting me via phone or that the apartment complex had reached out saying it was their error so I answered his call. He was as aggressive as before asking me for personal information. I stated that I would not be giving that out just as I had in previous calls. I also told him that I had sent a certified letter to their office to stop contacting me via phone and that it was delivered on XX/XX/XXXX. He said that I must have sent it to the wrong address because he did not get it. I assured him that it went to the correct address and that he needs to stop contacting me. I also told him that the " debt '' in question was paid in full. He asked when and I told him XX/XX/2016. He said that he does n't believe me because the debt was turned over to them on XX/XX/XXXX and that he is going to recommend that they put this on my credit report immediately after which the call abruptly ended. 
I have proof of my certified letter, call logs and payment confirmation so that all of this can be easily verified. 
This company clearly violated the FDCPA and I would like action taken against them so they do n't put others through this. Even though it is n't a valid debt, this has been XXXX time-consuming and expensive ordeal that I would like to move on from. 
I would also like to select " Communication Tactics, Continued Attempts to Collect debt I do not owe and Disclosure Verification of Debt '' from above menu.

Company response to consumer: Closed with explanation