Consumer complaint received 2024-09-30
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (FL)

I negotiated a lower settlement amount with a collection agency for my debt, but after agreeing to the terms, they failed to send written confirmation. Now, they are demanding full payment despite the original agreement. 
- **Requested Resolution** : I request that the CFPB intervene to ensure the collection agency honors the settlement agreement and provides me with written confirmation of the agreed terms. 

On or before XXXX, I noticed an issue with my Credit report and had XXXX accounts opened from National Credit Systems one amount for over {$3600.00} to XXXX XXXX XXXX and another account for over {$2500.00} to XXXX XXXX which I called to see what I need to do for correction. on XXXX I called and spoke with their receptionist who directed me to speak to the attorney XXXX XXXX and gave me another number to call that office. I thought now I am getting sued? Why else was this sent to this attorney I called and I spoke with XXXX XXXX who is assigned my account regarding the debts, he said he only takes care of XXXX XXXX and I should call NCS concerning the XXXX XXXX debt.. XXXX XXXX first explained the issue at XXXX XXXX XXXX, and he heard my side of the issue for the debt of over {$3600.00}. I explained I was turned down for getting an apartment for housing from this false information National Credit Systems had reported on my credit report. He told me to pay my bills, and how was I paying by cash or credit or money gram order, I told him to hold on a minute, I explained I was not able to get an apartment and my domestic partner and my XXXX XXXX XXXX daughter had to live in a hotel due to these false accusations as I explained I was on a month to month lease with several documented work orders including pictures sent to manager XXXX XXXX and that also her and her team sent an email confirming the work order was complete when if fact was not completed, I was not handling the mold anymore I also told XXXX the manager XXXX XXXX sent me emails to confirm they fixed my account from several bogus charges. 
As NCS were the collection agency who now in charge of XXXX XXXX XXXX. On XXXX I explained to XXXX this information is false and I explained that I sent an email to XXXX XXXX after trying to reach her since XXXX explaining to please call me and the information she reported was not accurate, as I was on the phone with XXXX, he sent an email requesting the signed lease from XXXX XXXX the Senior Manager I kept calling every Monday and Friday and XXXX was telling me about no response from XXXX. I asked how long we are waiting he said he gave her 30 days and he just sent the email XXXX, again I called last week of XXXX and left XXXX XXXX message as he was not available again. I called every day and was unable to speak with XXXX and continued to call, and then on XX/XX/XXXX, I spoke with XXXX and ask what the next steps are, XXXX said its out of his hands and stated Im going to give you the attorney XXXX  XXXX number XXXX who can help you, again I called and left messages no answer several times Then on XXXX I missed a call from XXXX  and called her that afternoon as she told me that I should expect a letter by email from Nation Credit Systems requesting all credit bureaus XXXX XXXX XXXX XXXX from all credit bureaus from my credit reports. I checked my emails and did receive the letter XXXX XXXX XXXX prepared, I called XXXX  back and thanked her for taking care of this issue During this time, I was in contact with NCS to discuss a settlement on the XXXX XXXX account. I knew I owed something, but the amount was incorrect, as my company transferred me to another facility, and I spoke with XXXX XXXX who was handling the account for XXXX XXXX. I let her know I was dealing with the other account as well and asked her if XXXX people were on the lease and if both parties credit report show the collection agency negative impact for the full amount, then I would want to negotiate to pay half of the debt now, then we had words and she did not understand what I was talking about, she was quite rude telling me to pay my bills, why not on time, what are you waiting for pay this full balance and a lot other things which I explained I am dealing with another issue with your company that is false on my credit report and I will call you back Sometime in XXXX I called XXXX she then explained to me that she had to go to the Client for this approval. I said if you must go to XXXX at XXXX XXXX XXXX then can I call XXXX? she said no, and they would not accept my offer at that amount. I said you mean XXXX XXXX accept this offer she said no XXXX XXXX XXXX will not accept the half amount negotiations ; I asked how do you know that did you already call them? She did not answer. I said Well, what happens if I never see the female, I shared the apartment with again but You the collection agency put against both parties Credit worthiness and reporting the full amount meaning if I pay the full balance then it would show this debt comes off my credit report. Then You as the collection agency can get another full balance from the person who I shared the apartment with. I told XXXX since you say you need XXXX XXXX XXXX approval for me to pay half of this debt when I can expect this response. I called several times and left XXXX XXXX mails and ( keep in mind I was also dealing with the false accusations from my other account ). 
On XX/XX/XXXX Monday I finally spoke with XXXX and asked her did XXXX XXXX XXXX approve the offer we spoke about in your request she said yes, I asked was it for half of the amount? XXXX said no it was for {$1600.00} I said that isnt half, but I want to pay this to get XXXX said she sent me emails and voice mails concerning the amountsometime in late XXXX. I then asked to please resend to email and how much was it I need to pay she said {$1600.00}, and I asked where am I to send the money because I did not receive anything, she said I sent it already I said please send this again I did not receive anything. I called again on XX/XX/XXXX no answer and continued calling left messages, the receptionist was rude as I called several times respectfully. As I did not receive anything by mail either. 
On XX/XX/XXXX when I received the letter from NCS to delete account number XXXX the XXXX XXXX XXXX from all Credit Bureaus I tried calling XXXX again but no answer. 
On Monday XXXX I called and finally spoke with XXXX, I let her know I did not receive the negotiations confirmation and I wanted to pay the {$1600.00} she said she sent it, I asked if she was the closing manager if not, please let me speak with the closing manager. She transferred me but really hung the phone up on me I called back and spoke with receptionist she put me to XXXX XXXX. I called back the receptionist answered I explained the issue she transferred me and again they hung up on me. I then realized that XXXX  XXXX helped me with the first case, I called XXXX  and reintroduced myself, she said yes, I remember you from a couple weeks ago, I then explained I needed housing and I needed to pay the other account on my credit report NCS reported. I want to pay the negotiated amount is there anything you can do to help me Ive been hung up on etc. XXXX  said for me to hold on, then told me I will put you with a supervisor that will help, I said thank you I really need to fix this to get housing, she put me on hold again came back and said a supervisor will be with you shortly, then I was transferred to XXXX who picked up the phone and started telling me that this message is recorded and anything said is used for training purposes, any said is used for recovery of a debt and asked for my name and last XXXX of social security number then asked how I can help you I stated I need to know where to send the {$1600.00} to settle this account he then started yelling at me stating your deal was over you are now notified to pay the full amount {$2500.00}. Are you paying today, why cant you pay today? Do you want to pay by bank major credit card? I said no, that is not what we negotiated I owe {$1600.00} no one sent any written confirmation only what XXXX XXXX told me she is the one I negotiated with as she told me the Client approved this amount, he said she sent out to you, I explained I did not receive anything in writing, XXXX said well she called you, I said yes, but I dont know where to send payment or send that amount of money unless I see the written confirmation which I did not receive XXXX XXXX would you like for me to send it to you again? yes I said, I told him I was driving so I will have to check but he was yelling at me still saying you didnt pay your bills and your time has run out, you have to pay the full amount -- now I wanted to see what he sent to me by email just now so I open my email and was not in my email, I told him again I did not receive, hes yelling at me for me to check and then to check your junk mail, check your junk mail I finally told him not to yell at me anymore, and I said why would it go to the junk mail, your email and my email are legit as I open the email there was his letter to me with his name as the collections representative at the full amount I also received an email from XXXX XXXX XXXX XXXX with the full balance This is not what we negotiated. 

I let him know I will review this letter and get back with you I called a few days later asked for XXXX, XXXX will not field nay of my calls, I explained to XXXX I want to pay the negotiated amount he said no, It is my privilege and a courtesy to honor your previous negotiations, you couldnt pay on time I told him that is not true and I believe you are violating my rightsDo I need to make a complaint to the XXXX  and to CFPB. XXXX said its a courtesy, pay your bills, I felt very threatened and Im trying to handle things to ensure I get my XXXX daughter, and my XXXX  for XXXX  years out from living in a hotel for the last XXXX  months. I asked if I pay this amount in full as you say I owe the full balance then can this be removed from my credit report he again said now that you are threatening me do you think that I would honor such a courtesy, I then explained I do not want to send a complaint but will do so to let them decide if the business practices style you are sending to the public are in compliance to the needs of our everyday XXXX.. You obviously have the power over me right now Lets figure this timeline out as everything is about money. 

In summary, NCS has two collections against my credit with all three bureaus. XXXX XXXX account was removed for false information that NCS pursued to be correct, held me and my family from attaining housing by reporting this false information to all credit bureaus for over a year plus and when this was disputed said it was correct. 
on XXXX, NCS knowing a negotiation for settlement for lesser amount for the second account XXXX XXXX XXXX was stopped because NCS did not make any money from account XXXX, and when XXXX  XXXX who was the representative for NCS who sent the letter to dismiss and remove from all credit bureaus account one was called to help get the negotiated amount for account XXXX had a say so to tell XXXX and XXXX to cancel the offer from the Company NCS represents they offered me a settlement number of {$1600.00} which I accepted. However, they did not send written confirmation as promised, and now they are claiming that the full amount is due. I believe this is a violation of my rights and request the agency honor the original agreement. 

- **Requested Resolution** : I request that the CFPB intervene to ensure the collection agency honors the settlement agreement and provides me with written confirmation of the agreed terms. 

They use some technology that deletes emails once it is clicked on... you can't get the email back as written. 

Very Respectfully, XXXX XXXX XXXX