Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: National Collection Systems, Inc.
State: AR

Complaint narrative:
I received a phone call in XXXX stating that I owe an outstanding balance for the XXXX. I informed the rep at that time, that I should not be receiving a call from them as I am paying my balance via online through my student account-so I disputed the validity of this debt. Then, I was informed they were collecting for the XXXX as well-after I made this statement. I disputed any debt with them. Informed the rep the account was resolved, paid off and have a letter from the XXXX XXXX XXXX in Texas and Trustee-would forward upon receiving verification of debt. Also told her that the XXXX account has been settled over 4 years now.To this date, I have not received anything. What they did was wait and call back, XXXX XXXX, 2015, and state that I owe {$9000.00} plus in debt to the XXXX. The guy rep stated that I owed this amount 'solely ' to the XXXX . I informed him that I had just pulled up my student account for the university and it shows a balance of {$1600.00} of which I am making payments ( XXXX fabrication ) ; I also informed him that I have not received any verification that I owe this debt and moreover that I told them in XXXX send proof. Additionally, I told him I was on a full academic scholarship for the XXXX and it was simply impossible for me to owe them this amount of funds, considering they paid me to attend graduate school. I asked him at this point to tell me how many accounts is he looking at, or maybe he needed to verify with the XXXX.This is when he informed me that I actually have XXXX accounts with them. I stated how? He then proceeded to state that they are collecting for the XXXX & the XXXX. I told him again, " No ... I have disputed both these accounts and to this date, have not received any information from them regarding either debt ( XXXX fabrication-as he stated they have mailed out something. ) He stated he was reading notes that I was suppose to send this information in, so he agreed from his own statements that I disputed this validity back in XXXX. I then stated if I had an address or if they would have sent verification they would have it. They have not. I also told him this company could not try and join these alleged debts together as the XXXX and the XXXX are XXXX separate entities and XXXX has nothing to do with the other. His response was they could because the alleged debts fall under the same social security number. I became livid and told him his statement was redundant and incorrect, moreover a lie and they were trying to mislead me into thinking I only owed the XXXX but they are trying to collect both debts ( of which I do not owe ) on a single account and lying about it. They can not try and collect these XXXX together and if this matter appeared on my credit report I would be filing suit against this company. This company has did nothing but regurgitate false statements and representation in this matter to me for the XXXX time. Additionally, they have not provided disclosure of verification of the debts. I asked over 3 months ago to receive and have not, I also informed him that I wanted this information mailed to me as to have proof and a paper trail. He stated they only need a number and name of attorney. Why would they not want the proof in hard form? I asked him over XXXX times within the conversation to provide this documentation to me. His only response was if I could provide my attorneys name and that I did not need to mail anything. I told him, No I will to have proof on my end and to ensure they could not fabricate another issue. I also told him under FCRA rules what they are attempting to do is illegal and I would be sending a letter to the company and submitting a complaint to the proper authorities regarding their actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation