Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
On XXXX XXXX XXXX I called National Credit Systems about an account that they are alleging that I and my wife owe a debt for XXXX XXXX XXXX. I spoke to the representative " XXXX '' and her supervisor " XXXX. '' I was initially speaking with XXXX and asked her for the purchase agreement or assignment agreement that they have with XXXX XXXX XXXX. She puts me on hold and gets her supervisor XXXX on the phone and I asked for the balance for the account. She tells me it's {$4900.00} and I asked who owns the debt and she tells me that XXXX XXXX hired them to collect the debt. So I said I will be willing to settle the debt but need the purchase agreement. So I asked why did the other lady transfer me to a supervisor when I just asked for the purchase agreement. She tells me that the representative is still new and that she wanted to get on the phone to further help me out. I ask for the agreement between National Credit Systems and XXXX XXXX then she asks me where did I get purchase from, and tells me that they didn't buy the debt but claims that XXXX  XXXX hired them to collect the debt. I ask well how are y'all putting this account on our credit reports and wasn't there to prove that the alleged debt is owed. She proceeds to tell me that they are 100 % licensed to collect the debt but denies that there isn't any document between and XXXX  XXXX. So I ask for the proof of assignment or the agreement document between them and XXXX XXXXXXXX. She gets very angry and gives me an attitude and yells at me saying they didn't pay for the account, but the apartments hired them to collect the debt. She then says to me, am I asking for them to validate the debt and says that they can validate the debt but has failed to do so. She says she doesn't know where the purchase agreement came from. So I ask for the contract that they have between them and XXXX  XXXX and she gets very angry and gives me an attitude and yells at me saying they didn't pay for the account, but the apartments hired them to collect the debt. She kept cutting me off as if she knew what I was talking about or like she knew the answer. She says that they are 100 % responsible to collect this debt and that's why they are on our credit report but she fails to mention that National Credit Systems pays all credit reporting agencies ( credit bureaus ) to put a negative account on our credit reports that they can't verify and validate that we owe the debt and that the debt wasn't written off. I also have the recordings for this call and the second one that I made today XXXX XXXX XXXX. I made the calls to try to work out the situation with this debt collector but them being disrespectful and trying to bully me into paying a debt that they can't prove is unprofessional and disrespectful. Today I pretty much got the same results with XXXX, she just sent me the ledger by email but that doesn't prove that we owe this debt and it doesn't prove that the debt collector has legal ownership or assignment rights and that I signed any agreement or contract. They both had a nasty attitude towards me and I don't understand why. If they can prove the debt, why ever get mad or have an attitude, just provide the documents but they get defensive and deny me what I asked for because they can't prove it. This is going to make it very hard for us to get our own place and this should be illegal for them to do this and cause this much damage.

Company response to consumer: Closed with explanation