Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCSPLUS INCORPORATED
State: NY

Complaint narrative:
XX/XX/XXXX : I took a XXXX XXXX class at XXXXXXXX XXXX  XXXX XXXX XXXX XXXX. The school assured that if you dropped out of the class before the 1st exam, that you would not be liable for the {$1500.00} tuition. I dropped the class and didn't hear anything from XXXX XXXX XXXX I started receiving bills from XXXX , which quickly escalated to letters from NCS PLUS Incorporated, a debt collector hired by XXXX . I made several calls to the XXXX bursars office about the bill and they informed me " they have nothing to do with it '' and that I have to deal with the specific XXXX school at XXXX to dispute the amount. I made several calls/emails to XXXX 's school XXXX XXXX XXXX XXXX and never received a response. 

XXXX-present- Made several attempts to contact XXXX bursar 's office about the issue. I informed them that I am attempting to dispute this debt, but neither the bursar or the individual XXXX school knew how to deal with the situation and nobody responds to my calls or emails. The bursar transfers me to someone in the office that deals with " collections '' and that person never gets back to me. They keep referring me back to XXXXXXXX XXXX XXXXXXXX XXXX XXXX, which never calls me back. 

Furthurmore, the pandemic hits and for the past 4 months it's impossible to contact XXXX or their debt collector NCS PLUS incorporated. They don't answer the phone at all ( NCS # XXXX ). 

XXXX XXXX I get a letter from XXXX XXXX debt collector saying that they are going to report me to the credit agencies if I don't pay. I try to call them ( they provide no email ) several times to tell them I am disputing this debt with XXXX. Nobody ever answers their contact # ( try it right now for yourself ). I call XXXX and tell them I am still disputing, can someone help? I can't get in contact with anyone for the past few months. The bursar tells me " keep trying with the XXXX XXXX XXXX ''. 

XXXX XXXX My wife and I are in trouble because of the pandemic so we are trying to refi our house for a lower payment. We both have excellent credit. My mortgage lender informs me that I am unable to refi because my credit score went down significantly in the past month. I quickly run a report and see that on XX/XX/XXXX, XXXX reported me to the XXXX  credit bureau which destroyed my credit and is horrible for us at this time. 

The gross mismanagement of XXXX and it's debt collector in this instance is unbelievable. After months of attempts by me to contact them and resolve, they still report me as " in collections '' to the credit agencies. I made every attempt to reconcile with them but because of their lack of knowledge of who is responsible to even dispute with, they let it fall through the cracks. Also, the pandemic has reduce their staff at the office and at the debt collector which rendered it impossible to speak to anyone for months. There is no answer at the debt collector number at all. I have since paid this debt ( even though I still dispute it ) just as an attempt to repair my reputation here. I have a 25 year perfect credit history for the most part.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief