Debt collection -- Attempts to collect debt not owed -- Complaint #4578814
Complaint Overview
Complaint ID: 4578814
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New York
ZIP Code: 10454
Date Received: 2021-07-27T12:00:00-05:00
Date Sent to Company: 2021-07-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I found a debt collections on my credit report when I investigated the debt I found out it was for a claim from a building I used to live in from XX/XX/XXXX - XX/XX/XXXX. Upon moving into the apartment in XX/XX/XXXX I was asked to take out insurance in the event something happens in the final month of my lease. Low & behold, the pandemic happened & I was unable to pay the final month however my insurance with XXXX covered it. In XX/XX/XXXX is when I realized the collections. Apparently the creditors at National Credit system bought the debt back in XX/XX/XXXX however it was paid on XX/XX/XXXX. I disputed this debt multiple times in XX/XX/XXXX however each time the creditors validated the debt. It is a gross mishandling of this account as they did not check with the original debtor if the debt was paid and continued to not only validate it but also refute the details with me over the phone. I sent the emails attached to National Credit Systems however they have not been communicative despite their mishandling of this debt for the last 10 months.
Frequently Asked Questions
What is Complaint #4578814 about?
Complaint #4578814 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 2021-07-27T12:00:00-05:00.
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.