Debt collection -- Attempts to collect debt not owed -- Complaint #11936968
Complaint Overview
Complaint ID: 11936968
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Pennsylvania
ZIP Code: 191XX
Date Received: 2025-02-04T12:00:00-05:00
Date Sent to Company: 2025-02-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, PA, XXXX XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau Subject : Complaint Against National Credit System for FDCPA Violations Dear CFPB Representative, I am writing to formally file a complaint against National Credit System ( XXXX ), a third-party debt collection agency. The account details are as follows : Original Creditor : XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$1000.00} ( allegedly past due as of XX/XX/XXXX ) Date Opened : XX/XX/XXXX I have reason to believe that XXXX is in violation of the Fair Debt Collection Practices Act ( FDCPA ), including but not limited to : 1. Failure to Provide Validation of the Debt ( Section 809 of the FDCPA ) I previously disputed this debt and requested verification. However, XXXX failed to provide adequate documentation proving that I owe this debt or that the amount being claimed is accurate. 2. Continued Reporting of Inaccurate Information ( Section 807 of the FDCPA ) XXXX continues to report this account as a " collection account '' with a past-due balance, despite my clear indication that this debt is either invalid or already resolved. This reporting constitutes false and deceptive representation of the debt status. XXXX. Harassment or Abuse Provisions ( Section 806 of the FDCPA ) The ongoing reporting of inaccurate information and failure to resolve this dispute appears to be a tactic to coerce payment on an account that may not even be valid.
Frequently Asked Questions
What is Complaint #11936968 about?
Complaint #11936968 was filed against National Credit Systems,INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-04T12:00:00-05:00.
How did National Credit Systems,INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against National Credit Systems,INC.?
Yes, visit the National Credit Systems,INC. company profile at readthecomplaint.com/company/national-credit-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.