NCC Business Services, Inc. – CFPB Complaint 2017-05-29

Date Received: 2017-05-29

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I previously rented an apartment with an agency named XXXX XXXX XXXX , owned by XXXX XXXX XXXX . I moved from the residence in XXXX XXXX , XXXX , and approximately one month later was advised that I had a bill for move out fees. I logged onto the website where I used to make my rent payments and the site said that I had an open balance of {$440.00} due, which I paid with debit XXXX on XXXX XXXX , XXXX . I took a screenshot of the page that now said I had a XXXX balance, and a receipt was also auto generated and sent to my inbox as proof of my payment. On XXXX XXXX , I received a phone call from NCC business services stating that they were calling on behalf of XXXX XXXX XXXX . According to them, my account had been forwarded to their office on that date and they were trying to collect on the debt. I told the representative that I paid XXXX so this had to be a mistake, but they insisted that I owed {$500.00} plus an additional {$330.00}, and if I did not pay this balance they would report me to the credit bureaus. At the time I was attempting to purchase my second home and I just did not want a collection account on my credit, so I agreed and paid them {$500.00} and {$330.00} from the same debit card I used to pay XXXX . NCC stated that I could sort it out with XXXX later but it would just be best to pay them. It was probably a foolish decision on my part and yes I am better educated on this now, but I was just trying to avoid it reporting to the bureaus, which was a waste of time because in XXXX of XXXX , an account for a collection wit h NCC Business Services a ppeared on my credit report in the amount of {$500.00}. After seeing this account appear on my credit report I disputed it with all the bureaus, as well as contactin g NCC a nd XXXX via email and phone calls but no one would talk to me or return my emails. I sent all of the receipts with the proof that this debt was paid and that the account was sent to NCC in error in the first place, yet XXXX nor NCC would take accountability. I even went to the management office at the apartment community. I keep disputing this item on my credit report and low and behold, NCC keeps verifying the debt. The credit bureaus have been absolutely NO HELP. The only one who seems to believe the proof I submitted for investigation is XXXX because they actually deleted it. I have no clue of what to do anymore but I am positive that this is illegal. I look at my credit report and despite the dates on my receipts and bank statements, they backdate this account to make it appear as if it has been on their books since XXXX XXXX … coincidentally since they called me on XXXX XXXX and I paid them ( approximate ly thirty day s after ) yet I never received anything in writing from these people. XXXX XXXX was the first communication that I received from them and, they stated that the account was placed in their office that day. Also, in examining my credit report, I found that they are saying I made some sort of payment in XXXX of XXXX . I paid them NOTHING in XXXX XXXX because I owed nothing. To date they refresh the account on my credit report every month at the end around the XXXX or XXXX of the month fluctuating the balance from {$500.00} to {$57.00} to make it appear as if it is a revolving debt. I just received an alert from XXXX which states the following ; NCC BUSINESS SERVICES XX/XX/XXXX XXXX is reporting that your NCC BUSINESS SERVICES past due balance has increased to {$500.00}. I have disputed this multiple times as I stated before and submitted all of my proof to the credit bureaus. It seems that the only result I have gotten is giving them ammunition to alter their records to make it appear as if I am being untruthful. I come to you as a last resort because I have exhausted EVERY option I can think of myself. Anyway that you can be of assistance I greatly appreciate. There are THREE parties here who need to be held accountable ; 1. XXXX XXXX XXXX 2. NCC Business Services 3. The credit bure aus ( XXXX and XXXX ) for f ailing to investigate the validity of the debt properly based on the evidence presented If anything is needed of me, please do not hesitate to contact me. I thank you in advance for your time.

See also  CITIBANK, N.A. - CFPB Complaint ID 2978477

Company: NCC Business Services, Inc.

State/Zip: FL 330XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2496385

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