Consumer complaint received 2025-10-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NY

Complaint narrative:
FORMAL DEMAND FOR DEBT VALIDATION & CEASE OF COLLECTION ; FOLLOW-UP TO CLOSED CASE : XXXX ; NEW CASE : [ XXXX XXXX ] - [ XX/XX/year> ] Your File/Account Number : [ Insert their account number here ] Original Creditor : XXXXXXXX XXXX Alleged Debt Amount : {$210.00} To Whom It May Concern, I am writing in response to your inadequate correspondence regarding the above-referenced account, which was provided under your previous case reference XXXX. That case was closed without a resolution that addressed the core evidence I submitted. This letter constitutes a new, formal demand for validation and re-opens the dispute. 

Your prior response ignored the substantive evidence proving this debt is invalid. This is not a simple dispute of charges ; it is a dispute based on the original creditor 's refusal to accept my valid tender of payment, rendering the debt uncollectible. 

Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I demand full validation of this debt. Specifically, you must provide compelling evidence that answers the following : Proof of Legal Right to Collect : Provide documentation proving that National Credit Systems is legally authorized and licensed to collect debts in my state. Furthermore, you must provide a complete chain of title, demonstrating the legal assignment of this specific account from XXXXXXXX XXXX to NCS, proving you have the legal right to collect it. 

Proof of Payment Refusal : Provide documentation demonstrating how XXXX XXXX fulfilled their obligation to accept payment. I have provided evidence that they refused a credit card payment, refused a secure payment link, and provided an incorrect mailing address that caused my check to be returned. Your validation must prove they acted in good faith to collect this debt, which they did not. 

Proof of Debt Validity Amidst Impossibility : Provide documentation that supersedes the evidence I hold, which includes email chains from XXXX XXXX  stating their policy to refuse online payments post-move-out ( dated XX/XX/year> ) and the subsequent provision of an incorrect mailing address that prevented payment. 

Your previous claim that the " original creditor contends that the debt is in fact owed '' is insufficient and does not constitute validation. They are contending a fact that their own actions rendered impossible. 

Until you provide this specific, itemized validation, you are required by law to cease all collection activities, including reporting this account to any and all credit bureaus. 

Furthermore, I demand that you immediately place a freeze on all collection and credit reporting activities and formally request the deletion of this account from all credit bureaus due to its invalid nature. 

Failure to adequately validate this debt within 30 days and continuing collection efforts on an invalid debt will be considered a violation of the FDCPA. I will not hesitate to escalate this matter by filing a new, detailed complaint with the Consumer Financial Protection Bureau ( CFPB ) referencing this correspondence, and I will pursue legal action. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation