National Credit Solutions, CollectionAgency, RIP-OFF - BREAKING THE LAW & VERY RUDE
I received a notice from a company who monitors my credit reportrecently and noticed that a derogatory account was added to my credit report for something I did not authorize authorize or give my approval on. I found out itwas an account with Columbia House stating I owed $54 and they said in 2007 Isigned up for free DVD movies. However, they reported this to the 3 creditbureaus this account becamedelinquent in 2008 when it was closed. Im pretty sure there is someviolation of the law because I was never contacted by Columbia House orNational Credit Solutions to tell me I had any type of debt, but they felt it necessaryto add this information to my CREDIT REPORT as delinquent not paid! We all knowthese days when something is added to a credit report it takes an act ofcongress to fix it or have it removed. Common sense should tell this company or a business not to inflict damages on someone's credit until they have made contact with the consumer and verified the debt. 100% of all corporations and credit card companies today will putyour account in delinquent status if you do not pay after 30 days, and closethe account after 90 days.
When I called National Credit Solutions and spoke to a lady thisevening about this account, I was being very professional and nicely asked herto show me proof the account is mine, and that I was disputing the $54 amountand wanted to know why I was not contacted by their company to allow me todispute this matter before they added it to my CREDIT REPORT.
When began discussing this information the lady that I wasspeaking to would start talking over me and not allow me to finish talking, andthen she started yelling at me. I asked to speak with a supervisor and the ladytold me there was one available, but I would be on hold for a long time beforeI was able to speak with one. The supervisor finally came on theline in what the lady said would be approximately 15 minutes, is this becausethere are so many complaint against their company. I explained the circumstancesregarding this account and the she told me the process of how their proceduresworked. I asked her why I was never contacted by their company and she saidthey were not required by law to send a letter or notify a consumer they wereadding a delinquent account to a credit report. I advised her type of businesspractice was unacceptable and they should have notified me before the accountwas added to my credit report. She said they would be mailing me out a disputeletter and I would have 30 days to notify their company. I asked her if shewould mail this to my current mailing address and when I started to give herthe information she finished telling me the rest of my address. This clearlyshows this company had my current mailing address and never attempted tocontact me regarding this matter. I have never made a payment, and have never once received anyletter, phone call, email, or communication with this company because if I did, I would have paid the bill, if I did owed it.
This company is clearly in violation of ftc laws. It is flat outillegal and against the law.
National Credit Solutions HAS CLEARLY violated the federal Fair Debt Collection Practices Act by reportingfalse, deceptive and misleading information about the plaintiff to the threenational credit reporting agencies.
I am taking the following action immediately:
1. Filing a complaint here so everyone will know about thiscompany.
2. Filing a report with the BBB in their local area
3. Filing an FTC complaint
4. Filing a report with the Attorney Generals Office5. Contacting an Attorney
BEWARE! Always check your credit reports. You can go to and youcan check your reports online every day, each month and see what is going on. The collection agencies do this becausethey know they can get away with it, and they can re-age old accounts wheneverthey feel like it, because they are getting away with it.
But they are not getting away with this with me either!
Victim of fraud
Saint Louis, Missouri
U.S.A. A big thank you too Victim of Fraud from Long beach, CA for their responseto review and inform other consumer pertaining to this companys unacceptablebusiness practices.
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