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.

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• 

  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:09/27/2022

  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 ************* TO VINTAGE AT OA and do not have a contract with NATIONAL CREDIT SYSTEM. They did not provide me with the original application like I asked.

  Business Response

  Date: 09/28/2022

  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 ************* to ******************* Apartments FKA Heritage Park Apartments. This debt did not originate with our organization, nor do we have permission from Heritage Park to ******************* Apartments FKA Heritage Park 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 have conducted an investigation of ******************** dispute and our client confirmed that the charges accessed to him were accurate. 
  
  In addition, I am enclosing the documentation NCS received from Heritage Park to *******************  Apartments FKA Heritage Park supporting the charges that they accessed to ********************. Additionally this client has confirmed that this party did live at the property, she is the same manager that was there when he lived there.
  
  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:09/27/2022

  Type:Billing 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.

  15 U.S.C **** section 602 A. States I have the right 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 *********** 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.

  Business Response

  Date: 09/27/2022

  NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted. We have spoken to this consumer on several occasions, We have also discussed quick settlement offer resolutions to assist him. This consumer just has not come to a resolution for himself with this account. Thank you

  Customer Answer

  Date: 09/27/2022

   
  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:09/27/2022

  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 viewed a printout of my credit record and found some errors. I believe that these items are damaging my credit file and costing me too much time and money every year. These disputed accounts were claimed to have been accurate or verified. DISPUTE REASON: "CONTRACTS WERE CANCELLED" "NO CONTRACT EXIST" These accounts are still inaccurate and need to be corrected or deleted as soon as possible; Here are the things that I want to be verified as accurate: Alleged Creditor:NATIONAL CREDIT SYSTEM Alleged Original Creditor Account: BEXLEY AT CONCORD *************** Debt Collectors Account Number: ****** Alleged Debt Amount or Balance: $3,216.00 **************************************** ************************************************ Cc: FEDERAL TRADE COMMISSION *****************************************************************************

  Business Response

  Date: 09/27/2022

  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 have received this dispute from you in the past, we have mailed out a fraud id theft packet on 12/6/2021. We have never received this back in order to properly investigate your claim. Please print the packet i have attached to this response, and fill it out in its entirety and mail it back with a copy of your id and police report. NCS will fully investigate your claim. Thank you

• Initial Complaint

  Date:09/26/2022

  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.

  When applying for something in my name last June, I got denied. When I was provided a copy of my credit report, I saw things on there that were inaccurate. Inquiries and addresses that are not mine were on my report as well as accounts that I never opened and iteration to my name such as *************************. I have contacted the creditors to make them aware of the breach. I also found this account that I believe not mine:Acct name: NATLCRSYS (Original Creditor: ********************************* APTS)acct no. *******date opened 01/01/2021 balance $492.00 I am not liable for this debt and I do not have a contract with:Company: NATIONAL CREDIT SYSTEMS Address: ****************************************** Tel No: ************** Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus. I also filed complaints thru CFPB. Please delete this account from my credit report at once. Any questions or concerns I can be reached at ************************************************************************* and email at [email protected] need a response from the company.

  Business Response

  Date: 09/27/2022

  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 is not correct, we encourage you to please print the id theft packet attached to this response and mail it back to us with a copy of your id, and the police report. I am unable to download the document you have attached to your complaint. We will fully investigate this claim once that is received. Thank you

• Initial Complaint

  Date:09/24/2022

  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.

  9/23/2022 I made a payment off $482.00 soon as the representative got my card information he hung up in my face. When I called back to ask why I was hung up on and to ask about my receipt he stated that he thought we were finished and that they dont give receipts and that is the policy, which before I was transferred back to the person who helped me another representative stated that it takes 24 hours I would like a refund and to somehow resolve this debt another way because Im skeptical about this company it doesnt seem real and very unprofessional to just take a payment and hang up. I also called two years ago to get information about my debt and they were also rude at the time, they just want the payment and thats it, I dont feel like it will actually be removed from my credit report.

  Business Response

  Date: 09/26/2022

  NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted.

  Customer Answer

  Date: 09/26/2022

   
  Complaint: 18122790
  
  I am rejecting this response because: they simply did not explain why I didnt/ couldnt receive a receipt for my payment and why the phone was hung up after a payment was made.
  
  Sincerely,
  
  **************

  Business Response

  Date: 09/27/2022

  NCS does not send out individual receipts, once an account is shown as paid in full, then we will forward out a letter advising the account has been satisfied.  Additionally, if necessary, we will discuss the matter with any employee who may have communicated with the consumer.

• Initial Complaint

  Date:09/23/2022

  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.

  Nation Credit Systems is attempting to collect on a debt that has already been paid in full. The account as it is reporting to the credit bureau is ***********. I have attached the receipt that indicates no were owed to the original creditor. I am requesting that NCS remove this account from my credit reports.

  Business Response

  Date: 09/26/2022

  NCS has investigated your claim with our client ***********************. This client still shows this balance to be due. If you could please send your proof of payment for this specific charge, we will be glad to re-submit your dispute to be investigated. Thank you

• Initial Complaint

  Date:09/21/2022

  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.

  Very unprofessional agency. I was assigned to a representative last name ****. She was extremely rude and disrespectful. She began screaming on the phone, yelling at me. I called to actually set up a payment plan and give them money that day. She proceeded to tell me I was unable to request a payment plan on the account which I know wasnt true. And when I let her know that I was unable to pay a large lump sum she began to raise her voice and yell.

  Business Response

  Date: 09/22/2022

  NCS has investigated this consumers complaint.  During this process, we review our system notes along with call recordings that *** have been associated with this issue. Additionally, if necessary, we will discuss the matter with any employee who *** have communicated with the consumer. In this instance, we performed our investigation and believe our company acted appropriately.  It appears that the consumer has mischaracterized this issue and the complaint is unwarranted. Additionally, consumer was advised she was unable to do a payment arrangement on a special settlement offer that was being given. If consumer wants to make payments towards her balance, she is able to do this at anytime. 

• Initial Complaint

  Date:09/17/2022

  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.

  There is an incorrect inqury/account on my account from ******************* SYS, Date: October 18, 2018, Account#: Amount: $100. I have had no agreement with them and have had no communications with them. NATIONWIDE RECOVERY SYS have placed an account on my credit report fradulently. i have went to the government authorities and filed a ftc report about my identity bening stolen and placed a fraud report on my credit file. I have no obligation with NATIONWIDE RECOVERY SYS and have had no communications with them, which is considered "Fraud-In-the-Factum" Blacks Law Dictionary.Desired Outcome NATIONWIDE RECOVERY SYS should promptly remove ALL accounts from ALL of the credit reports promptly as proper government authorities have already been notified of this fradulent activity on my account, which NATIONWIDE RECOVERY SYS saw from my current/previous dispute with the furnishers credit bureaus Transunion, Experian, Equifax. Also due to Inflation, Monkey Pocks, and COVID-19 NATIONWIDE RECOVERY SYS are now I believe only using this opportunity to aquire monies allegedly fradulently. If they cannot provide proof of a signed ledger with my signature and their name on it and that we have an agreement of this debt owed to them from the legal custodian of record the MUST remove it or I will go back to gov. ********* that they are not complying AND turn this over to FCRA/FDCPA Legal Counsel ************ A fraud alert has already been placed on my all my credit files. This violates my rights and also as an African American woman and the current state of the ecomony I believe they are trying to capitialize on the current state of the country and this is unethical.

  Business Response

  Date: 09/19/2022

  I believe this consumer has the wrong company, We are National Credit Systems. The company you have named in your complaint is *******************. I apologize we are not able to assist you with this. 

• Initial Complaint

  Date:09/15/2022

  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 filing this complaint regarding the collection letter reference number *******. I made several attempts to contact National Credit Systems, *** by email and by phone since August 2022, but they did not respond to any of my emails so far. They also did not respond to my previous **** complaint against them on 08/05/2022 complaint number 220805-9178337 which is attached to this complaint. In my previous complaint, I explained that I do not owe any debt to the client listed on the collection letter ***************** because all original debt that was owed to my landlord "Greystar" "******* at *********************************************" has been paid in full by the ************* Emergency Rental Assistance Program (ERAP). In fact, ****************** paid my landlord any amount that has already been paid by the ************* Emergency Rental Assistance Program (ERAP), then the matter is between *************** and my landlord Greystar "*******" (not me). Indeed, I shall not be held responsible for any money that Greystar ******* "my landlord" unlawfully obtained from ***************. *************** must go after Greystar ******* instead because it seems that they defrauded them to get paid twice (from me through ERAP and from ***************). PS: documents to prove this are included with this complaint as well as all the **** disputes I filed. Therefore, National Credit Systems' collection claim against me is not valid because the debt has been paid in full.As a result, I would like to request that National Credit Systems, *** immediately stop sending me any threatening and harassing collection letters, or I will be forced to pursue legal action against you and ***************, *** for your fraudulent debt collection attempt. Kind regards, *****************************

  Business Response

  Date: 09/16/2022

  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 *************************** This debt did not originate with our organization, nor do we have permission from ************************** 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 investigated ******************** dispute and our client confirmed that the charges accessed to her were accurate.  The outcome of our investigation has been mailed to ******************** as of 8/31/22.
  
  In addition, I am enclosing the documentation NCS received from ************************** supporting the charges that they accessed 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,

  Customer Answer

  Date: 09/17/2022

  Dear National Credit Systems, Inc,

  Please note that I am also disputing this collection for the following reason (besides the previous reason). In *************** Agency's contract with me "the Tenant Agreement" on page 6, 3rd paragraph line 16 to 20, the following is mentioned: 

  "Surety will waive its right to collect reimbursement amounts specific to rent payments and related fees, and
  will refrain from reporting this information to the three major credit bureaus if the Tenant (Principal)is able to
  provide documentation demonstrating that failure to meet those lease obligations resulted from:
  a. Loss of Tenant (Principal) employment for reasons that were beyond your reasonable control, and where
  your annual income has fallen by at least 35%, as a result; "

  Indeed,  I have lost my employment due to the Covid pandemic which is why I applied for the ************* Emergency Rental Assistance Program in the first place and I have also been receiving the unemployment benefit . 
  
  As a result, *************** Agency (Surety) has no right to this collection attempted by you (National Credit Systems, ***** *************** Agency (The Surety) they already waived its right as per the tenant agreement between me, my landlord, and ***************. 

  Please go back and read carefully the highlighted (in yellow) section of page 6 where *************** admits waiving its right to collect reimbursement amounts specific to rent payments if the tenant lost his/her employment for reasons that were beyond reasonable control.

  Please find my unemployment compensation form 1099G included with this response to support my loss of employment claim.

  Kind Regards

  Business Response

  Date: 09/20/2022

  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.

  Customer Answer

  Date: 09/22/2022

  Hello,

  I have already emailed you at ******************************* several times, but you never answered me. I even called you and your agent was not helpful at all; she was, in fact, very rude to me over the phone as she started raising her voice while i was trying to explain to her the situation and she did not even let me finish my sentence or provide her with all information. 

  Moreover, the collection account ID is ******* and your collected letter is attached to this response.

  In addition, please find attached to this response my dispute with *************** regarding my contract with them. Indeed, they have responded to my dispute acknowledging the clause in the contract in which they waive their right to the collection you are attempting on their behalf and requesting that I provide documents to prove my employment loss. I did reply back to them with all necessary documents that support my claim of employment loss for reasons that were beyond my reasonable control which prevented me from meeting my rent obligations; hence, resulting in their contract with me being "unenforceable" by law.

  As a result, any collection attempts by you "National Credit Systems" on behalf of *************** Agency will result in a violation of the Fair Debt Collection Practices Act which prohibits the collection of disputed debts and other unfair debt collection practices.

  Kind Regards

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

  Business Response

  Date: 09/23/2022

  ******************** has disputed her debt and NCS, as required by law, has submitted her dispute to the CRAs. We are currently conducting an investigation of ******************** dispute with our client ********************** INC;the outcome of our investigation will be mailed to ******************** once its completed thank you.

• Initial Complaint

  Date:09/15/2022

  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.

  There is an incorrect account on my account from NATIONAL CREDIT SYSTEMS, Date: December 26, 2019, Account#: *******, Amount: $504, I have had no agreement with them and have had no communications with them. NATIONAL CREDIT SYSTEMS have placed an account on my credit report fradulently. i have went to the gov. authorities and and placed a fraud report on my credit file. I have no obligation with NATIONAL CREDIT SYSTEMS and have had no communications with them, which is considered "Fraud-In-the-Factum" Blacks Law Dictionary.Desired Outcome NATIONAL CREDIT SYSTEMS should promptly remove ALL accounts from ALL of the credit reports promptly as proper government authorities have already been notified of this fradulent activity on my account, which NATIONAL CREDIT SYSTEMS saw from my current dispute with the furnishers credit bureaus Transunion, Experian, Equifax. Also due to Inflation, Monkey Pocks, and COVID-19 NATIONAL CREDIT SYSTEMS are now I believe only using this opportunity to aquire monies allegedly fradulently. If they can not provide proof of a signed ledger with my signature and their name on it and that we have an agreement of this debt owed to them from the legal custodian of record the MUST remove it or I will go back to gov. ********* let them know that they are not complying AND turn this over to FCRA/FDCPA Legal Counsel ************ A fraud alert has already been placed on my all my credit files. This violates my rights and also as an African American man and the current state of the ecomony I believe they are trying to capitialize on the current state of the country and this is unethical.

  Business Response

  Date: 09/16/2022

  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.