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First Advantage LNS Inc. – CFPB Complaint

By on December 7, 2017

Date Received: 2017-09-26T00:00:00

Product: Other debt

Issue: Attempts to collect debt not owed

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: NCAC is attempting to collect a debt I allegedly owe in the amount of XXXX for an Apartment complex I lived in XXXX to XXXX. Upon Move out I was told that I was to be emailed and mailed a copy of my move out statement – which I never received from XXXX XXXX. By the time I received any notification of any monies owed, the ” debt ” had already been sold to a collection agency NCAC. I contacted the leasing office to get verification of debt and to find out how they came up with such a ridiculous amount even after keeping our apartment deposit and pet deposits. I was told that it was no longer their problem and to take it up with the collection agency. OnXX/XX/XXXX I sent a certified letter which NCAC recieved onXX/XX/XXXX asking for proof that I owed NCAC XXXX and to show proof of a signed contract that I owed NCAC any money. They failed to provide any such contract between me and them and instead sent me a copy of my lease with XXXX XXXX and a move out statement. On XX/XX/XXXX I sent another letter again asking for proof that I owed XXXX to the National Credit Audit Corporation and how they came up with that exact amount. They received the letter onXX/XX/XXXX and I once again received no such proof and was only sent a copy of the lease and a vague move out statement. On XX/XX/XXXX I requested new copies of my credit report from the Bureaus and NCAC also failed to mark my account as disputed within the appropriate timeline provided by law.

As per the law not only were the unable to furnish any proof of how the debt had been calculated they were also unable to prove or furnish any signed contract I had with the NCAC making me liable for this alleged debt.

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They also violated the law by not marking my account as disputed within the allotted timeframe of 30 days.

Company: First Advantage LNS Inc.

State/Zip: TX 750XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: No

Did Consumer Dispute Company Response: N/A

Complaint ID: 2685392

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

Look at the item Company Response to Complaint: and Did Consumer Dispute Company Response: to get a better idea of how this was resolved. And the field Consumer Complaint: can give you some context of the issue.

In particular what you are looking for was that the company response was timely and that the consumer did not dispute it. The posting of complaints has proven to be a valuable resource for both companies and consumers.

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