Date Received: 2018-11-26T00:00:00.000
Product: Other debt
Issue: False statements or representation
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: Spoke with XXXX XXXX from National Credit Systems in XXXX Ga, several times regarding my collection account. She notified me of the amount that was owed. In addition, explained I could pay as low as $ XXXX/ month, to prevent my account being reported to the credit bureaus. I asked repeatedly what all necessary steps I must take to get this account situated without being reported. She explained as long as I make the monthly payments, and call her to verify the transaction approval ; my account would be satisfied. I asked if it would be okay to pay the account online with my credit card. XXXX confirmed that method of payment would be sufficient. I agreed to pay $ XXXX/month, and received verbal confirmation from XXXX. As I continued to make the payments in XXXX, XXXX, and XXXX. I was notified that the account was still reported to the credit bureaus in XXXX due to neglect to make on-time payments. I contacted XXXX directly to dispute the concern ; I explained to her that I received a mailing notification that my account was reported even though she stated several times it would not due to my on-time payments. She placed me on a brief hold to research the account. Shortly, another woman picked up, and explain XXXX was with another customer and she would be handling my concerns going forward. I explained to her my situation. She confirmed that XXXX provided me with false information. I needed to setup re-occurring payments through my banking account, and paying online with a credit card was not a qualified method of payment. I asked could this be disputed due to negligence on National Credit Systems representative providing me false information. She explained that they could not dispute the charges despite I made on-time payments, but was giving false information of the method of payment. I asked to speak to a manger/ or supervisor. Once I spoke to the supervisor, I explained my situation. Once again, I was told they could not dispute my case. In addition, the supervisor said my $ XXXX/ month was too low of a monthly payment. I explained to her that XXXX told me I could pay as low as $ XXXX/month. She continued with saying I needed to pay the amount in full over the phone that moment to have the situation handled. I explained to her that it was unfair that my account was reported even though I made on time payments, but have to suffer due to her representative providing me with misleading information. I made on-time payments, and I was never told I had to specifically setup reoccurring payments with my banking to prevent my account being reported I was told that all calls were recorded for quality assurance, and legal purposes. I asked to receive a copy of the recordings, to have proof that I was giving false information from my account representative, therefore I could dispute the case on my own. The supervisor explained, that the recordings were property of National Credit Systems, and she would not release them to me. I explained if I could not receive the recording, that I may have to take legal actions ; due to Misrepresentation, Misleading Information, and/or Fraud.
Company: National Credit Systems,Inc.
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 3083028
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.