Consumer complaint received 2015-09-17
Company: National Credit Systems,Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On or about XXXX/XXXX/2015 I contacted National Credit Systems Inc. and spoke with XXXX XXXX at XXXX Ext. XXXX concerning XXXX or XXXX debts of the same account that appeared on XXXX public credit reports. I questioned the validity of the debts and the amounts owed. XXXX XXXX PROMISED to mail, to my home address which I provided during the conversation, an official document detailing the amounts owed, the original creditor and a statement guaranteeing that the debt amount would be updated on XXXX credit reports if I paid in full. XXXX XXXX explained that this was an attempt to collect a debt and any information obtained would be used for that purpose. I was told the document would be mailed within a few days. Today, XXXX XXXX, 2015, I viewed XXXX public credit reports and noted that the last reported date had been changed from XXXX/XXXX/2011 to XXXX/XXXX/2015. Instead of providing me with an official document or notice that the debt was owed, National Credit Systems Inc. updated their data with XXXX credit reporting agencies as an malicious attempt to place negative data on my credit report for an additional 7 years. The original negative information was scheduled for deletion approximately less than 1 year from the date that I called them to resolve the matter. I have contacted the original creditor prior to contacting National Credit Systems Inc. and was told that they no longer own the debt. My contract is with the original creditor, XXXX. I have no contract with National Credit Systems Inc. and they refuse to provide with any documentation to support their claim of ownership or purchase of the debt. In good faith I was attempting to resolve this matter. I provided my name, address, SSN, date of birth, employer, and both cell phone and home telephone numbers. 

The debt itself is misleading as it appears on XXXX public credit reports. It is documented as owing {$500.00} and then {$3600.00}. There is a third entry showing an amount owed of {$4100.00}. Per XXXX XXXX of National Credit Systems Inc., the full amount owed is actually {$4100.00}. My interpretation based on the manner the debt ( s ) are documented is that I owe someone, a total of {$8200.00}. In my opinion, considering the amount that this collection agency claims I owe them for debt that they intercepted from the original creditor, a letter or formal communication of some sort is not an unreasonable request. If I request an email or regular mail statement in an attempt to pay a debt, there is no reason for the creditor to penalize me and ruin my credit for an additional 7 years. I called them. According to XXXX XXXX, " we had no way to contact you and the debt would have disappeared within months ''. The tactics used by National Credit Systems Inc. appear to be malicious and unfair in nature in terms of making promises and not following through as well as and most importantly not providing PROOF and descriptions identifying themselves as the actual debt collector and owner. If I had paid in full National Credit Systems Inc. on or about XXXX/XXXX/2015, there would not have been any guarantee that at a later date the original creditor or some other collection agency would not have contacted me claiming ownership of the same debt and demanding payment, therefore starting the process over again.

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