Report: #426393

Complaint Review: National Credit Solutions

  • Submitted: Fri, February 20, 2009
  • Updated: Sat, July 18, 2009
  • Reported By: Brooklyn New York
  • National Credit Solutions

National Credit Solutions (NCS) FDCPA / FCRA / NYC Debt Collection Violations / Business Violations / Consumer Violations / Debt Collection / IDT Telecom / Not My Debt / Not Registered to Collect Debts in New York Oklahoma City OK

*Consumer Suggestion: It is illegal for NCS to report and continue collections without validating...

*Consumer Suggestion: NCS Licensing

Show customers why they should trust your business over your competitors...

Early January 2009 NCS placed a negative tradeline on my credit report. I immediately sent them an unknown debt letter (since they never sent me any communication, I had no idea what the tradeline was for) requesting validation pursuant to the 1692(g).

To make a long story short, NCS continued collection activities, even after they confirmed that they had received the debt validation request. On top of that, after running a search for them on the New York City Department of Consumer Affairs website ( ), they don't even have the required license pursuant to New York City Administrative Code Section 20-490, all debt collection agencies MUST be licensed to collect debts in NYC.

I offered them the opportunity to settle and I would have been kind enough to have signed a non-disclosure agreement. I got an email back from them within seconds telling me that since they "closed" my account, I can pretty much forget about them settling and if I choose to pursue this matter with my attorney, they don't really care?!?! Since when does closing an account change the fact that violations were committed? If it were that simple, don't you think NCO would have just "closed" all of their account and they wouldn't have been subjected to the largest fine in collection history.

Well, it's too late. I want everyone to know, if you have gotten a debt collection letter and/or any tradelines placed on your credit report and you live in New York City, file suit in your local civil court for damages. Request a demand for a Jury trial so they have to explain to your fellow NY'ers why decided to break the law. If you have other violations, all the better!

Also, if you are a resident of NYC, please don't forget to write to the, NY Attorney General and the NYC Dept of Consumer Affairs offices as they are looking forward to hearing from you.

Brooklyn, New York
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This report was posted on Ripoff Report on 02/20/2009 02:14 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

It is illegal for NCS to report and continue collections without validating...

AUTHOR: Wyoguy - (U.S.A.)

You have a case. License or not, they must follow the law. You have th proof that they received the validation letter and still are collecting (by the way: reporting is defined by the U.S. Supreme court in the FDCPA) as a form of "collection activity." Let them know you mean business by consulting a lawyer in your state to exercise state and federal law matter against these people. NCS is terrible and will never validate. They will SAY that they will, but they do not meet proper validation guidelines. The owner of this collection agency cannot even quote proper FDCPA and FCRA regulations that he HAS to know to runs a legitimate business. The front end call people are just as clueless because they are sat down and told that they have to make commission by any means necessary. Keep posting here and send in more details under and Part of my family if from NY. We are tough cookies to crack. Make em pay. :-)
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#2 Consumer Suggestion

NCS Licensing

AUTHOR: Bridget P. - (U.S.A.)

I am very sorry about your case but NCS is actually now licensed in NY City.
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