National Credit Systems,Inc. – CFPB Complaint ID 2579425

Date Received: 2017-07-19T00:00:00

Product: Other debt

Issue: Took or threatened to take negative or legal action

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: on XX/XX/XXXX my husband XXXX XXXX received a phone call from XXXX XXXX ( XXXX or XXXX ) representing National Credit Systems Inc she called from an auto dialer with a XXXX area code. We rented an apartment XX/XX/XXXX through XX/XX/XXXX at XXXX XXXX XXXX in XXXX and gave them notice to vacate as we had a new home under construction that was finished in XXXX and our lease was scheduled to end XX/XX/XXXXXXXX we had a balance left over from XXXX rent and I tried to negotiate payments with the in house billing office for XXXX XXXX but they would not accept our terms. I wanted to make a {$50.00} a month payment because at that time that is all we could afford. Those collection efforts started in XXXX we could not reach a resolution so they forwarded our account to collections and we were not aware of this and the collection agency did not communicate with us in writing they called on XX/XX/XXXXdemanding us to make a payment and that if we did not pay full amount or high deposit to start payment arrangement that they would report the account to our credit. feeling pressured I offered to pay {$100.00} we I spoke to XXXX XXXX on XXXX XXXX and then told her would could possibly make another {$100.00} by XXXX XXXX. She said we needed to pay at least {$400.00} to get on a payment plan that would protect this account from reporting to our credit. I called again on XXXX XXXX to let XXXX XXXX know after reviewing our budget we could not afford to pay {$200.00} this month to this account and then she said that she could not protect this account from reporting to our credit and I told her well this is all we can afford right now as my husband was laid off in XXXX. I then went to the NCDOI website to get their license # and I found that National Credit systems incXXXX is not licensed to collect in the state of NC. which is illegal and now I need to go to my bank and have my checking account numbers because I am not paying this credit agency a dime. They are supposed to allow consumers 30 days to respond to their collection efforts and they were not even giving us the opportunity they went straight to threats of credit reporting. I believe her name is XXXX XXXX the collector in charge of my account so if you call speak to an operator who will direct you straight to her line. Unfortunately I am unable to find a physical address.


Company: National Credit Systems,Inc.

State/Zip: NC 282XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2579425

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