Consumer complaint received 2023-03-06
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc. (NC)

I was never contacted by my previous leasing company about this debt, only by the debt collection agency. After several long phone calls and 2 disputes, I submitted this final letter following letter with a receipt of my last payment to my previous leasing company, and a balance of XXXX. I ask them to verify themselves and the debt by providing me with a copy of my leasing agreement. They ignored the new evidence I provided closed the dispute and did not provide all the information I asked for. 

XX/XX/XXXX : " To whom this may concern A mistake was made on behalf of The XXXX XXXX, as I was charged after my lease ended and paid my remaining balance. They never reached out or contacted me about the alleged debt. 
After several contentious debates and over-talking from the representative assigned to my account and a supervisor, I have yet to receive any explanation as to exactly why I owe this money or an answer to any of the questions I asked. I no longer authorize nor permit any communication via phone calls. You may only contact me about the alleged debt through mail or email. Also do not contact me via my employer as my employer strictly prohibits communications like this In this letter is the rental ledger from XXXX XXXX in XXXX showing said balance and screenshots from my XXXX XXXX with XXXX XXXX  showing I owed no further debt since the XXXX of XX/XX/XXXX. 
If I am to pay this alleged debt I need the following information from National Credit Systems : Why you think I owe the debt and to whom I owe it, including : The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the amount owed. 

If this debt started with a different creditor, provide the name and address of the original creditor, the account number used by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor, please provide any other name by which I might know them, if that is different from the official name. In addition, tell me when the current creditor obtained the debt and who the current creditor obtained it from. 

Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current creditor. For example, can you provide a copy of the written and signed lease agreement that created my original requirement to pay? 

If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and documentation about why this is a debt that I am required to pay. 

The amount and age of the debt, including : A copy of the last billing statement sent to me by the original creditor. 

State the amount of the debt when you obtained it, and when that was. 

If there have been any additional interest, fees, or charges added since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees, or other charges are expressly authorized by the agreement creating the debt or are permitted by law. 

If there have been any payments or other reductions since the last billing statement from the original creditor, provide an itemization showing the dates and amount of each of them. 

If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or permitted by law. 

Tell me when the creditor claims this debt became due and when it became delinquent. 

Identify the date of the last payment made on this account. 

Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the statute of limitations expires for this debt, and how you determined that. 

Details about your authority to collect this debt. 

I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so, provide the date of the license, the name on the license, the license number, and the name, address and telephone number of the state agency issuing the license. 

I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the meantime please treat this debt as being in dispute and under discussion between us ''