Debt collection -- Written notification about debt -- Complaint #6933002

Complaint Overview

Complaint ID: 6933002

Company: National Credit Systems,INC.

Product: Debt collection

Sub-Product: Mortgage debt

Issue: Written notification about debt

Sub-Issue: Didn't receive enough information to verify debt

State: California

ZIP Code: 93727

Date Received: 2023-05-04T12:00:00-05:00

Date Sent to Company: 2023-05-04T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

The company name is through National Credit Systems for XXXX XXXX XXXX XXXX original creditor balance of {$9600.00} joint account opened XX/XX/XXXX last reported XX/XX/XXXX due to a dispute I mad said it met FCRA requirements still have not received no documents/information after contacting them that violates FCRA requirements, and them sending negations offers to pay bill in full at high ridiculous unrealistic amount that would take me more then 7 years to pay regardless. I contacted them various times regarding why there are charges of {$9600.00} wanting an itemized report on how they came up with this large amount of collection. This joint account was due to other non payer during Covid-19 that lost there job. The apartment were already in not good living conditions they were for XXXX XXXX next to XXXX XXXX XXXX the amount of money is unrealistic for the apartment realistically a studio I have photo still of how the apartment looked when we moved in, and many others in that complex has the same issues with ridiculous charges made fraudulently. In the small time period I lived there two new management teams were there they could not keep management. I tried contacting the office they were unresponsive and in the middle of training new management. I contacted the collections company I have never been treated so poorly before as if the stress of a XXXX XXXX with school depth with a XXXX dollar collection during Covid -19 was not stressful enough because an old roommate was not paying his bills. I tried to explain I wanted itemized documents on how they were getting that amount of money, and possible resolution I will not be able to pay that much money my self it would just have to wait 7 years to get dropped off. I know there was a Covid-19 relief to pay renters who were unable to live there XXXX cash to move out immediately because they did not want people not being able to get evicted. They transferred me to multiple representative all harsh, and still couldn't give me information said I just had to pay it. I ask them its my right to have documentation why I owe that much money they hung up on me I called back tried to make a complaint they transferred me to the management and supervisor line went straight to voicemail I left 5 plus voicemails never got back to me. I was so upset I cried and left it alone this has been ruining my credit, and I don't have a lot of depth I'm in XXXX XXXX struggling. Due to this my chances of renting on my own will be impossible. This company wont respond or give me information of the documents I asked for the charges are insane for those apartments there trying to exploit us on extra outrageous fees. I have seen the company 's reviews I'm clearly not the only person having this issue they have many many complaints. I have had a collection before where it was easy and handled professionally.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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