National Credit Systems Other debt complaint on 02/21/2019

Issue

THIS IS MY SECOND COMPLAINT AGAINST NATIONAL CREDIT SYSTEM! I HAVE RECENTLY SENT THEM AN AFFIDAVIT TO CEASE AND DESIST ALL COLLECTION EFFORTS, AND TO STOP REPORTING ON A FRAUDULENT DEBT THAT I HAVE KNOW KNOWLEDGE ON AND ALSO NO CONTRACTUAL AGREEMENT BETWEEN MYSELF AND ALSO THEIR COMPANY. I ALSO DON'T THINK THAT NATIONAL CREDIT SYSTEM HAS A LICENSE IN THE STATE OF TEXAS WHICH IS MY THIRD CONCERN WITH THIS COMPANY! AGAIN NATIONAL CREDIT SYSTEM IS IN VIOLATION OF THE FAIR DEBT COLLECTIONS PRACTICES ACT FOR TRYING TO COLLECT ON A DEBT THAT IS THE RESULT OF IDENTITY THEFT!

Received: 02/21/2019

Debt collection: Other debt

Attempts to collect debt not owed: Debt was result of identity theft

National Credit Systems Response

This issue was responded to within 15 days by National Credit Systems

Debt Pro Tips

Will paying a collection agency improve my credit score?

If a consumer has multiple accounts in collection, the credit score improvement from paying off a single account may not be much. If you can get all of your collection accounts to report paid with a zero outstanding balance, then you can begin rebuilding your credit.

DebtHelpCenter.org

The FDCPA outlines consumer rights as debtors

The Fair Debt Collection Practices Act (FDCPA) is a federal law intended to protect consumers from 3rd party debt collectors by limiting debt collector behavior and providing penalties for violations.

DebtHelpCenter.org

What do I do when the debt was from identity theft?

If you are being harassed by a debt collector about debt that was a result of identity theft, it is important to know that the burden of proof is on the collector. It is not your responsibility to provide any additional personal information or correct anything that is incorrect. Providing any information may be detrimental.

DebtHelpCenter.org
}

Debt collection / Other debt

I checked my credit report and there was a debt

National Credit Systems,Inc. Consolidated Recovery Group Debt Verification

03/11/2019

Right to dispute debt notice not received

I checked my credit report and there was a debt collection account that showed up that appeared to be a debt that was well over 7 years old. I disputed it with the credit bureaus and it came back as " verified. '' Since I never received notification from this company, I sent them a debt validation letter and dispute letter to the address listed on my credit report. The letter was returned un-deliverable by USPS, it says the building is vacant. So the address listed on the credit report is 100 % inaccurate. How did the credit bureaus " verify '' this account if it's not possible to get hold of them via mail? This company is reporting debt that is over 7 years old, their contact information is not correct on my credit report, so it's impossible for me to reach them to deal with this matter. This is not legal.

Read More

Debt collection / Other debt

This is an attempt to collect repeated overdraft

National Credit Systems,Inc. Strategic Alliances Attempts to collect debt not owed

03/11/2019

Debt is not mine

This is an attempt to collect repeated overdraft charges made to my account by XXXX for an unauthorized charge. The account was charged four times at {$35.00} each time and the remaining money in the account was taken and the " balance due '' was {$110.00}. At the time, I asked the bank to reverse these charges. They refused and sent it to collections almost immediately.

Read More

Debt collection / Other debt

The XXXX XXXX XXXX debt of {$470.00} is invalid.

National Credit Systems,Inc. Sequium Asset Solutions Took or threatened negative or legal action

03/10/2019

Threatened or suggested your credit would be damaged

The XXXX XXXX XXXX debt of {$470.00} is invalid. It should not be collected on my credit reports from the 3 credit reporting agencies ( XXXX XXXX XXXX ) which destroy my credit. Contrary to its promise, XXXX XXXX XXXX devices ( for which I already paid $ 1000+ for them ) did not work with XXXX. I asked XXXX XXXX XXXX ( XXXX ) to help solve the issue, but XXXX XXXX XXXX did not cooperate. XXXX XXXX XXXX provided wrong instruction for unlocking its devices. After I paid off the balance of my phones on XX/XX/2018, XXXX XXXX XXXX told me that the devices would be unlocked and then work for other carriers. I waited a few days and received an email of unlock instruction ( first email of unlock instruction, attached below ). I followed the instruction but without success. The instruction says max 5 tries are allowed before a phone becomes permanently locked to XXXX XXXX XXXX. I suffered a lot. I called XXXX XXXX XXXX customer care. I waited another few days and received another email of unlock instruction instruction ( second email of unlock instruction, attached below ) .which is completely different from the first unlock instruction. I followed it and seems like it was successful. However, when using the phones with XXXX, I never had mobile data connection. I had unlocked other XXXX XXXX XXXX phones in the past and they work well with other carriers -- but only one unlock instruction was received. Therefore, I believe that problems happened somewhere inside XXXX XXXX XXXX which caused my phones does not work with other carriers even if I paid them off. It is illegal for XXXX XXXX XXXX to sell defunct product. Either XXXX XXXX XXXX refunds the money I paid for the devices, or replaces them with functioning devices. -- -- -- -- -- -- -- -- -- first email of unlock instruction -- -- -- -- -- -- -- -- -- - From : XXXX XXXX XXXX Order Status XXXX Sent : Thursday, XX/XX/2018 XXXX XXXX To : XXXX Subject : We approved your unlock request Use these instructions to unlock your device. Device IMEI number : XXXX Request number : XXXX Hi XXXX, Your unlock code : XXXX Unlock instructions : 1. Power off the device and remove the SIM card. 2. Power on the device. 3. Enter # XXXX, the unlock code, and #. The device cycles off and back on. Note : You are allowed five attempts to unlock before your device permanently locks to the XXXX XXXX XXXX network. Note : If your device has been altered from the original manufacturer? s standards, such as rooting the device, your unlock code may not work and you will need to contact the original manufacturer for assistance. -- -- -- -- -- -- -- -- -- second email of unlock instruction -- -- -- -- -- -- -- -- -- - From : XXXX XXXX Sent : Wednesday, XX/XX/2018 XXXX XXXX To : XXXX Subject : Subsidy Device Unlock Request Thank you for contacting XXXX XXXX XXXX Customer Care about unlocking your XXXX XXXX XXXX XXXX device : CASE : XXXX IMEI : XXXX UNLOCK CODE : XXXX We have reviewed your request and confirmed that the device may be unlocked. Please allow 24 hours upon receipt of this notification to complete the unlock process. To unlock your device, simply : Five unsuccessful unlock attempts permanently locks the device to the XXXX XXXX XXXX network. 1 ) Power off the device, remove the battery, and insert a non-XXXX XXXX XXXX SIM card. 2 ) Re-insert the battery and power on the device with non-XXXX XXXX XXXX SIM. 3 ) The device displays Enter the device unlock code. 4 ) Enter the unlock code. 5 ) Press OK.

Read More

Debt Help Center