Debt collection -- False statements or representation -- Complaint #18080915
Complaint Overview
Complaint ID: 18080915
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: I do not know
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: North Carolina
ZIP Code: 28213
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing an alleged debt and the collector has not provided the required validation under 15 U.S.C. 1692g of the FDCPA. I requested full validation, including the original contract, itemized accounting, and proof of assignment. I also requested documentation showing the collectors right to collect under UCC Article 9 if they claim assignment or ownership of the debt. The collector has either failed to respond, provided incomplete documentation, or continued collection activity without validation. I am requesting that the CFPB intervene and require the collector to provide full validation or cease all collection activity and update any credit reporting.
Frequently Asked Questions
What is Complaint #18080915 about?
Complaint #18080915 was filed against National Credit Systems,INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
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.