Debt collection -- Attempts to collect debt not owed -- Complaint #4496365
Complaint Overview
Complaint ID: 4496365
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: North Carolina
ZIP Code: 270XX
Date Received: 2021-06-26T12:00:00-05:00
Date Sent to Company: 2021-06-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received this letter that is attached from National Credit Systems after sending a request for them to validate the alleged debt to them. They claim that they did not receive sufficient information to validate my " dispute '' or more so my debt validation letter. I have provided both my name and my address which should be more than enough for them to locate any file of an alleged debt that they may have in their system. They also stated that they are a third party debt collection agency and their efforts are solely on behalf of the current creditor, who has previously validated the alleged debt. Pursuant to 15 USC 1692g once a consumer notifies a debt collector in writing that they are disputing the alleged debt the debt collector must cease the collection of the alleged debt and obtain verification which should then be mailed to the consumer within 30 days. National Credit Systems has failed to do so. Under 15 USC 1692 a debt collector is defined as ANY person who uses ANY instrumentality of interstate commerce or the mail in any business the principle purpose of which is the collection of any debts, or who regularly collects or attempts to collect. This means that the original creditor that National Credit Systems has claimed they are collecting on behalf of is also a debt collector. TWO DEBT COLLECTORS CAN NOT HOLD THE SAME DEBT, THAT IS AN ACT OF CONSTRUCTIVE FRAUD. So, my question is who owns this alleged debt? Being that National Credit Systems is the one who is actively trying to collect on this alleged debt clearly means that they were responsible for answering and providing the following : 1. Signed agreement debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. 2. Was this debt assigned to a debt collector or purchased? 3. Amount that was paid if debt was purchased. 4. Date of original charge or delinquency Since they have failed to provide any of this information and they have clearly missed the 30 day mark that was granted to them for providing this information for this alleged date. As a consumer I am seeking the following remedies : 1. All references to this account be deleted and completely removed from my credit file. 2. A copy of such deletion request be mailed to me immediately
Frequently Asked Questions
What is Complaint #4496365 about?
Complaint #4496365 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 2021-06-26T12:00:00-05:00.
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.