Complaints

This profile includes complaints for National Credit Systems, Inc.'s headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

close

Find a Location

National Credit Systems, Inc. has 4 locations, listed below.

*This company may be headquartered in or have additional locations in another country. Please click on the country abbreviation in the search box below to change to a different country location.

BBB accredited

Near

Country

USUnited States

Please enter a valid location.

Filter

• 

  National Credit Systems, Inc.

  PO Box 672288 Marietta, GA 30006-0039

• 

  National Credit Systems

  573 E 550 S Centerville, UT 84014-2439

• 

  National Credit Systems Inc

  219 Broadway St # 408 Laguna Beach, CA 92651

• 

  National Credit Systems, Inc.

  3750 NATURALLY FRESH BLV ATLANTA, GA 30349

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:11/19/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with National credit Systems and do not have a contact with National credit systems. They did not provide me with the original application like I asked and are telling credit bureaus that the information is correct when in fact its not.

  Business Response

  Date: 11/21/2022

  The purpose of this posting is specifically, and only, related to the review you left on our company.  While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. Additionally, i have enclosed the documents that we have on file to validate this debt. If you believe that this has not occurred, we encourage you to contact us at ************************************** provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service.

  Customer Answer

  Date: 11/21/2022

   
  Complaint: 18439082
  
  I am rejecting this response because: my identity was stolen and falsely used to obtain goods and services such as this lease. I have never signed any contract with the stated entity and I demand that this account be removed from all three reports. I have filed the necessary documents with the *** for fraudulent handling of my credentials as well as a police report. However the reporting agencies are still falsely reporting information that is not accurate. 
  
  Sincerely,
  
  *************************************

  Business Response

  Date: 11/22/2022

  I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of Buckhead Village Apartments. This debt did not originate with our organization, nor do we have permission from Buckhead Village Apartments to release **************** from liability for this debt. Additionally, I have enclosed a fraud affidavit. Please print this out, and fill it out, and mail this back to us with a copy of your id and ss card. ****************** will thoroughly investigate the fraud claim once this is received. thank you

• Initial Complaint

  Date:11/16/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I filed a identity theft report to report some fraudulent things on my credit and they are still reporting the items on my credit.

  Business Response

  Date: 11/17/2022

  I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of ******************** Apartments. This debt did not originate with our organization, nor do we have permission from ******************** Apartments to release Ms. ********** from liability for this debt.
  
  Ms. ********** has disputed her debt and NCS, as required by law, has submitted her dispute to the CRAs. We have conducted an investigation of Ms. ********** dispute and our client confirmed that the charges accessed to her were accurate.  The outcome of our investigation has been mailed to Ms. ********************* addition, I am enclosing the documentation NCS received from ******************** Apartments supporting the charges that they accessed to Ms. ******************** hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.
  
  
  
  Thank you,

• Initial Complaint

  Date:11/16/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  15 u.s.c. **** 602 States I have the right of privacy .15 u.s.c **** section 604 a section 2 states A consumer reporting agency cannot furnish a account without a written instruction. *********************** not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt;

  Business Response

  Date: 11/17/2022

  The purpose of this posting is specifically, and only, related to the review you left on our company.  While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. I have also enclosed the final account statement. I would also like to point out that **************** already made a payment towards this debt, last payment received was 9/30/2019 for ****** via money order.

• Initial Complaint

  Date:11/15/2022

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with National Credit Systems and do not have a contract with them. They did not provide with the original application on which they are trying to collect.

  Business Response

  Date: 11/16/2022

  I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of The Landings Apartments. This debt did not originate with our organization, nor did we have permission from The Landings Apartments to release ******************** from liability for this debt.
  
  ******************** has disputed her debt and NCS, as required by law, has submitted her dispute to the CRAs. We have conducted an investigation of ******************** dispute and our client confirmed that the charges accessed to her were not accurate.  The outcome of our investigation has been mailed to *********************
  
  In addition, I am enclosing the documentation that has been mailed to *********************
  
  I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.
  
  
  
  Thank you,

• Initial Complaint

  Date:11/13/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Account #******* Section 602 A. States I have rights to privacy 15 U.S.C **** Section 604 A Section 2:It also states a consumer reporting agency cannot furnish a account without my written instructions 15 U.S.C. 1692C-Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692b-Not use any language or symbol on any envelope or in the contents of any communication effected by the mails or telegram that indicates that the debt collector is in the debt collection business or that the communication relates to the collection of a debt.

  Business Response

  Date: 11/14/2022

  I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of Patriots Place Apartments. This debt did not originate with our organization, nor do we have permission from Patriots Place Apartments to release ******************** from liability for this debt.
  
  ******************** has disputed his debt and NCS, as required by law, has submitted his dispute to the CRAs. We are conducting an investigation of ******************** dispute and once this investigation is completed, we will mail the outcome to the consumer.
  
  I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.
  
  
  
  Thank you,

  Customer Answer

  Date: 11/15/2022

   
  Complaint: 18397070
  
  I am rejecting this response because:
  
  Sincerely,
  
  *******************************

• Initial Complaint

  Date:11/07/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  NATIONAL CREDIT SYSTEMS ******************************************* Phone: ************** Account #*****XX 15 U.S. Code ****e - False or misleading representations Provide proof of this alleged item, specifically the original application, contract, note, or other instrument bearing my signature. Failing that, the items must be deleted from the report as soon as possible.Verification is #4 in debt validation law. Verification is a sworn statement/ affidavit of truth. I have also provided you with Black Law definition of verification below as you are partaking in willful non compliance 15 U.S.C. ****n - Civil liability for willful noncompliance. I demand proof of delivery letter within 14 days of reporting account. I request certified mail tracking number. If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me.In pleading. A certain formula with which all pleadings containing new affirmative matter must conclude, being in itself an averment that the party pleading is ready to establish the truth of what he has set forth. In practice. The examination of a writing for the purpose of ascertaining its truth; or a certificate or affidavit that it is true. Verification- is not identical with authentication. A notary may verify a mortgagees written statement of the actual amount of his claim, but need not authenticate the act by his seal. ****************************, 19 **** St. 291. Confirmation of the correctness, truth, or authenticity of a pleading, account, or other paper, by an affidavit, oath, or deposition. See ******** **************************, 134 111. 126, **************************************************. C-) 65 Fed. 296; ********* v. Brooklyn, 6 App. Div. 127, 40 ***** Supp. 581.

  Business Response

  Date: 11/08/2022

  The purpose of this posting is specifically, and only, related to the review you left on our company.  While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state. In addition, I am attaching the final account statement. I will request the lease contract from *********************** I, and once received we will forward this information to you via the mailing address you have provided. 

  Customer Answer

  Date: 11/08/2022

   
  Complaint: 18351132
  
  I am rejecting this response because: You did not provide the lease contract from *********************** or the contract signed between ***********************, and yourself, notarized and sworn under penalty and perjury for yourself, ability to collect this alleged debt on ***********************.  Therefore per  15 U.S. Code ****e - False or misleading representations you must remove yourself from my credit file as the creditor until the validating documents are provided.   If not you will be breaking 15 U.S. Code  ?1681o. Civil liability for negligent noncompliance. and I will file a complaint with the FTC.If you cant provide the requested information then I demand that you delete this tradeline asap and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me. In pleading. 
  
  Sincerely,
  

  *********************

  Business Response

  Date: 11/09/2022

  I would like to point out that National Credit Systems, Inc. is only a third-party debt collection agency that is collecting a debt on behalf of Treehouse of ********* I Apartments. This debt did not originate with our organization, nor do we have permission from Treehouse of ********* I Apartments to release ************** AKA ******* from liability for this debt.
  
  ************** AKA ******* has disputed his debt and NCS, as required by law, has submitted his dispute to the CRAs. This account is currently under investigation with the property. The outcome of our investigation will be mailed to **************************** once its completed.
  
  I hope that the above response will provide your office with the information you are seeking. Please contact me with any additional questions.
  
  
  
  Thank you,

  Customer Answer

  Date: 11/09/2022

   
  Complaint: 18351132
  
  I am rejecting this response because:

  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  So you confirmed that you are a third party collection agency not the original creditor. You also confirmed that this debt did not originate with you. You are breaking so many laws its ridiculous. I have copied this conversation and submitted it to the attorney general as well as CFPB, and FTC.  Your company will be fined for breaking the following laws.
  15 U.S. Code ****i. Procedure in case of disputed accuracy
  15 U.S. Code ****e - False or misleading representations
  15 U.S. Code ?****q. Obtaining information under false pretenses
  15 U.S. Code  ?****n. Civil liability for willful noncompliance
  15 U.S. Code  ?****o. Civil liability for negligent noncompliance
  
  Verification is a sworn statement/ affidavit of truth.  I have also provided you with Black Law definition of verification below as you are partaking in willful non compliance 15 U.S.C. ****n - Civil liability for willful noncompliance.  I demanded  proof of delivery letter within 14 days of reporting account. I requested certified mail tracking number. You couldnt provide the requested information. I demand that you delete this tradeline asap  and cease and desist all collection activity including reporting the account. I will take reasonable steps to get justice for the pain you caused me.
  
  Sincerely,
  
  *********************

• Initial Complaint

  Date:11/06/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I rented an apartment unit in Clear Lake ***** back in January 2021. There was issues with my unit since the beginning, I was rented a unit I didnt agree with for starters. I lived there for about 3 months, and then my brother passed away in April of the same year, I was forced to come back to *************, I paid rent until June even though I wasnt living there. I submitted an email where I gave them my brother-in-laws death certificate and advised I wasnt gonna be able to keep living there. I didnt live any months there without paying. I took pictures of the apartment before l left. I cleaned it and the only things left behind were two laundry baskets with somethings I could not fit in my CRV. They are charging me an absurd amount of money for rent when my contract specifically says that my rent was **** a month. I do not owned them anything for rent , and if there is anything owed is not the amount they claimed . The contract says that I should only pay a porcentaje of the rent if I moved with out giving them 30 days notice which is about 800 dollar . They claimed I owed them more than **** dollars. That is absolutely a lie. Like I said I have the contract, the pics and the email I sent them which they never replied to. Not even considering that my brother in law has just died die to Covid after battling his live for over a month.I reached out to them last year and they completely ignored me and now they lie about the amount I owed . This has a affected my credit and it has hurt me in a divorce process Im currently undergoing

  Business Response

  Date: 11/07/2022

  The purpose of this posting is specifically, and only, related to the review you left on our company.  While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state.  If you believe that this has not occurred, we encourage you to contact ** at ************************************** provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service.

• Initial Complaint

  Date:11/04/2022

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am reaching out to National Credit Systems dealing with a collection that has been placed on my consumer file. I am requesting that National Credit Systems present the original signed contract showing where I entered this transaction with them. As a collections agency, you are required to produce all original signed contracts, NO COPIES OR APPLICATIONS. I am also requesting that National Credit Systems produce their E&O Insurance Policy Number and their license to prove that they are in fact debt collectors they are claiming to be. I am aware that any documentation that is submitted that is not what I requested is considered fraud. I am also requesting that National Credit Systems produce me their chain of title showing the paper trail of where and when the debt was sold to them. As a consumer, I am aware of my rights and know that it is a violation for a debt collector to practice abusive, unfair, and deceptive practices. If ALL the documentation that I requested cannot be provided to me proving that I owe this alleged debt, this company is in fact practicing abusive, unfair, and deceptive behavior. I am also made aware any other documentation that is submitted outside of what I've requested is considered fraud. SS-****

  Business Response

  Date: 11/07/2022

  The purpose of this posting is specifically, and only, related to the review you left on our company. Unfortunately, federal law limits our ability to respond to your claim or communicate with you on this forum.  NCS goes to great lengths to operate in a lawful, ethical, and professional manor.  If you believe that this has not occurred, we encourage you to contact us at ******************************** Please provide specifics, such as your name, account ID, and other details, so we may access your information to review. Thank you in advanced for providing this information, so we may investigate the accuracy of your claim.

• Initial Complaint

  Date:11/02/2022

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I contacted this company because I owed for a apartment. I asked how can i get this off my credit im trying to rent a apartment. I was told a specific amount and ******** the guy i was speaking to told me that the after i paid the debt woul be clear and I wouldnt owe anything and it shouldnt show on my report after a few months. And he will send me a document to show proof to renters which I received. Its a year and some months later and its still a issue on my credit. I call today spoke with ****** to ask how can i have this deleted he told me that it was a balance I needed to pay first i asked could he explain because i was told differently he put me on hold then hung up. I called back spoke to ***** the supervisor explained the situation again and how i felt it was a gimmick to get me to pay so ******** could receive compensation for closing a case because ******** assured me on a recoded line this issue was officially resolved and wouldnt be a issue in the future. ***** refused to listen to the recordings because they were to old. I stated thats the purpose of having all calls recorded as they state at the beginning of each call. He refused to help me any further unless i wanted to pay the balance that is now being said i owe after already settling and being told I wouldnt have this issue in the future. I informed him that if it wouldve been explained initially that i wouldve chose the option that wouldve actually been getting this off my credit! But i wasnt offered that and also it wasnt in the agreement

  Business Response

  Date: 11/03/2022

  The purpose of this posting is specifically, and only, related to the review you left on our company.  Our policy and practice is to update information with all three national credit bureaus every week.  Unfortunately, our company has no control over when or how the bureau put this through to their reports.  We regret that you are having troubles with this issue, but it is not due to the actions, or inaction, of NCS. This account is closed as settled; nothing is owed on this account. I have submitted a deletion from the rent bureau, so this doesn't come up on that report. whenever a person does settle an account, it does get reported as settled and closed. 

  Customer Answer

  Date: 11/03/2022

   
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.
  
  Sincerely,
  
  ***************************

• Initial Complaint

  Date:11/02/2022

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  National Credit Systems has been reporting inaccurate information to my credit report. I have sent a dispute letter for verification and National Credit Systems did not supply solidified verification of debt. I have been asking for this inaccurate information to be removed under law, as it does not belong to me. They have yet to provide verified documentation of debt.

  Business Response

  Date: 11/03/2022

  The purpose of this posting is specifically, and only, related to the review you left on our company.  While it is our obligation to collect on debts placed with our company by our clients, it is our strong desire to operate in an ethical and professional manor. Additionally, we do not wish to collect any amount that is not legitimately owed according to the agreement you may have signed or by law in your state.  If you believe that this has not occurred, we encourage you to contact us at ************************************** provide specifics, such as account ID and other details, so we may access your account to review. Thank you in advanced for providing this information so we can improve our service. In addition, I am enclosing the documentation NCS received from the ************************ Apartments supporting the charges that they accessed to ******************.