Consumer complaint received 2019-08-15
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc. (TX)

XX/XX/19 I received a call from NCC Business XXXX Ext. XXXX stating that they had a debt of $ 2000+ from XXXX XXXX XXXX where I had moved from on XX/XX/19. I asked what it was for and he stated he didn't know. He stated he wanted to settle it with me in lieu of reporting it to the credit bureau. I told him that I was officially disputing the debt because I had not idea what it was for. He asked if I broke my lease with XXXX XXXX I told him no, I gave 2 months notice that I was moving and I was on a month to month lease. I asked where/when they notified me of a debt and he quoted my address that I lived at over 5 years ago, prior to moving into a property owned by XXXX XXXX. I gave him my new address and again stated that I was disputing the debt and wanted an itemized statement. He asked me if this was how I handled all of my business??? I stated yes, it was. I again told him that I was disputing the debt and wanted an itemized statement. I told him that they had my phone number and my email address and they have not contacted me about a debt. He asked how I knew they had not tried to call me. I said because I have a cell phone that keeps a log of all of the incoming calls and I have not received any missed calls from XXXX XXXX XXXX and I have not received any emails from them asking for a new address. He told me I was being difficult and that he was going to submit the debt to the credit bureau and hung on me. I called XXXX XXXX and asked them for an itemized statement, they said once it's been turned over the collections it was out of their hands. She asked if I told him that I was disputing and I said yes. She said he would contact her for a copy of the itemized statement. I asked why they had not contacted me about a bill or to ask for my new address because they do have my email address and my phone number which has not changed and she again stated it was out of her hands and disconnected the call. I also feel that this is retaliation for a negative review I posted on XXXX reviews for XXXX XXXX rentals which was about 2 weeks prior to me receiving the call from the collection agency, so I would like to see the dates of the original letter mailed and the date that the collection agency received the allegation from XXXX XXXX XXXX. I also know that I did not cause any damage to that apartment and have no idea what they could possibly be charging me for. I have been renting in XXXX, Texas for over 20 years and have never had any negative remarks on my credit history from any rental properties, ever. They also know where I work and they have my work number and address and could have contacted me there. So they had an email, an address and 2 phone numbers to reach me at. I also updated my address with the USPS weeks prior to moving so if they had sent the letter to my last known address, it would have been forwarded to me by the USPS. Either way, NCC threatened to report a debt that I was disputing and had not been properly notified of to my credit report.