NATIONAL CREDIT SYSTEMS INC.

Register	Principal
Mark Type	Service Mark
Status	Abandoned because the applicant failed to respond or filed a late response to an Office action. To view all documents in this file, click on the Trademark Document Retrieval link at the top of this page.
Status Date	1986-05-29

Mark Information

Mark Literal Elements	NCS NATIONAL CREDIT SYSTEMS INC
Standard Character Claim	No
Mark Drawing Type	5 - AN ILLUSTRATION DRAWING WITH WORD(S)/LETTER(S)/NUMBER(S) IN STYLIZED FORM

Goods and Services

For	DEBT COLLECTION SERVICES
International Class(es)	036 - Primary Class
U.S Class(es)	102
Class Status	ABANDONED
First Use	Jun. 23, 1984
Use in Commerce	Jun. 23, 1984

Basis Information (Case Level)

Filed Use	Yes
Currently Use	Yes
Filed ITU	No
Currently ITU	No
Filed 44D	No
Currently 44D	No
Filed 44E	No
Currently 44E	No
Filed 66A	No
Currently 66A	No
Filed No Basis	No
Currently No Basis	No

Current Owner(s) Information

Owner Name	NATIONAL CREDIT SYSTEMS, INC.
Owner Address	SUITE 3100 175 FIFTH AVENUE NEW YORK, NEW YORK UNITED STATES 10010
Legal Entity Type	CORPORATION
State or Country Where Organized	NEW YORK

Attorney/Correspondence Information

Attorney Name	HAL PUGACH
Correspondent Name/Address	HAL PUGACH, 100 EVERETT RD, LAKE PARSIPPANY, NEW JERSEY UNITED STATES 07054

Prosecution History

Date	Description
1986-05-29	ABANDONMENT - FAILURE TO RESPOND OR LATE RESPONSE
1985-09-26	NON-FINAL ACTION MAILED
1985-09-24	ASSIGNED TO EXAMINER

TM Staff and Location Information

Law Office Assigned	data usage
Current Location	FILE REPOSITORY (FRANCONIA)
Date in Location	1988-07-12

Issue	False statements or representation
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Attempted to collect wrong amount
Sub Product	Rental debt
Date Received	2025-01-20
Submitted Via	Web
Company Response	In progress
Consumer Disputed	N/A
Date Sent To Company	2025-01-20

Issue	Improper use of your report
Timely	Yes
Company	National Credit Systems,Inc.
Product	Credit reporting or other personal consumer reports
Sub Issue	Credit inquiries on your report that you don't recognize
Sub Product	Credit reporting
Date Received	2025-01-10
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-10

Issue	Problem with fraud alerts or security freezes
Timely	Yes
Company	National Credit Systems,Inc.
Product	Credit reporting or other personal consumer reports
Sub Product	Credit reporting
Date Received	2025-01-09
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-09

Issue	Problem with a company's investigation into an existing problem
Timely	Yes
Company	National Credit Systems,Inc.
Product	Credit reporting or other personal consumer reports
Sub Issue	Their investigation did not fix an error on your report
Sub Product	Credit reporting
Date Received	2025-01-25
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-25

Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt was result of identity theft
Sub Product	Rental debt
Date Received	2025-01-25
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-25

Tags	Servicemember
Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	Rental debt
Date Received	2025-01-21
Submitted Via	Web
Company Response	In progress
Consumer Disputed	N/A
Date Sent To Company	2025-01-21

Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	Other debt
Date Received	2025-01-13
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-13

Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt was result of identity theft
Sub Product	Rental debt
Date Received	2025-01-10
Submitted Via	Web
Company Response	In progress
Consumer Disputed	N/A
Date Sent To Company	2025-01-10

Issue	Incorrect information on your report
Timely	Yes
Company	National Credit Systems,Inc.
Product	Credit reporting or other personal consumer reports
Sub Issue	Information belongs to someone else
Sub Product	Credit reporting
Date Received	2025-01-09
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-09

Issue	Written notification about debt
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Didn't receive enough information to verify debt
Sub Product	Rental debt
Date Received	2025-01-14
Submitted Via	Web
Company Response	In progress
Consumer Disputed	N/A
Date Sent To Company	2025-01-14

Issue	Took or threatened to take negative or legal action
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Threatened or suggested your credit would be damaged
Sub Product	Rental debt
Date Received	2025-01-21
Submitted Via	Web
Company Response	In progress
Consumer Disputed	N/A
Date Sent To Company	2025-01-21

Issue	Improper use of your report
Timely	Yes
Company	National Credit Systems,Inc.
Product	Credit reporting or other personal consumer reports
Sub Issue	Reporting company used your report improperly
Sub Product	Credit reporting
Date Received	2025-01-15
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-23

Issue	Incorrect information on your report
Timely	Yes
Company	National Credit Systems,Inc.
Product	Credit reporting or other personal consumer reports
Sub Issue	Information belongs to someone else
Sub Product	Credit reporting
Date Received	2025-01-01
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-01

Issue	Communication tactics
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Used obscene, profane, or other abusive language
Sub Product	Rental debt
Date Received	2025-01-07
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2025-01-07

Issue	Incorrect information on your report
Timely	Yes
Company	National Credit Systems,Inc.
Product	Credit reporting or other personal consumer reports
Sub Issue	Account status incorrect
Sub Product	Credit reporting
Date Received	2024-12-24
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-24

Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt was paid
Sub Product	Rental debt
Date Received	2024-12-16
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-16

Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	Rental debt
Date Received	2024-11-07
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-11-07
Consumer Consent Provided	Consent not provided

Issue	False statements or representation
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Attempted to collect wrong amount
Sub Product	I do not know
Date Received	2024-11-11
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-11-11
Consumer Consent Provided	Consent not provided

Issue	Incorrect information on your report
Timely	Yes
Company	National Credit Systems,Inc.
Product	Credit reporting or other personal consumer reports
Sub Issue	Information belongs to someone else
Sub Product	Credit reporting
Date Received	2024-12-21
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-21

Tags	Servicemember
Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	Rental debt
Date Received	2024-12-16
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-16

Issue	Written notification about debt
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Didn't receive enough information to verify debt
Sub Product	Rental debt
Date Received	2024-12-12
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-12

Issue	False statements or representation
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Attempted to collect wrong amount
Sub Product	Rental debt
Date Received	2024-12-11
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-11
Consumer Consent Provided	Consent not provided

Tags	Servicemember
Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	I do not know
Date Received	2024-09-12
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-09-12
Complaint What Happened	This company appeared on my credit report as a collection account. Besides the fact that they are NOT licensed to collect debts in the State of NY, per the State 's Attorney General 's Office, I have never had an account with them, signed any applications nor contracts with them. Moreover, according to 15 U.S.C. 1681e ( b ), all information reported by the credit reporting agencies must be 100 % accurate. Additionally, 15 U.S.C. 1681i ( a ) ( 5 ) mandates that any information that is found to be inaccurate or incomplete must be corrected or deleted from my credit report. This company is in clear violation of the law. Under 15 USC 1681b- permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates. Did I give written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS- Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; Upon reviewing my credit report, I have found multiple inaccuracies with the reporting of this account. These inaccuracies include the incorrect reporting of late payments, which do not accurately reflect my payment history. As such, I kindly request that these inaccuracies be thoroughly investigated and resolved by removing the account from my credit report entirely. Failure to respond satisfactorily with deletions of the above referenced account from my credit report within 30 days of receipt of this letter, will result in legal action taken against your company, as in litigation under the Fair Credit Reporting Act ( FCRA ) to collect {$1000.00} in damages for each inaccuracy as provided by law for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15 USC 1681 violations for willful noncompliance 616. Civil liability for willful noncompliance [ 15 USC 1681in ]
Consumer Consent Provided	Consent provided

Issue	False statements or representation
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Attempted to collect wrong amount
Sub Product	Other debt
Date Received	2023-01-24
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-02-14
Consumer Consent Provided	Consent not provided

Issue	Written notification about debt
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Didn't receive enough information to verify debt
Sub Product	Other debt
Date Received	2023-02-08
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-02-08
Complaint What Happened	In XX/XX/2020 my son, XXXX XXXX, was living in an apartment at XXXX XXXX apartments in XXXX Florida. He had a lease along with XXXXwo other college students for the unit and each was responsible for their own portion. During the pandemic his two roommates parents lost their employment and were unable to make their share of the rent payments. The landlord was not willing to accept our 1/3 of the rent as we had been paying and instead insisted that the whole rent be paid. That put me in a position where I could not pay the rent in its entirety. I made offers to pay my son 's third of what was remaining on the rent at that time and was told that I could not. Fast forward approximately one year and I started getting collections calls from National credit systems located in Georgia. The total balance owed for the debt they are attempting to collect in {$7700.00}. My argument is that I'm only responsible for 1/3 of that debt as there were two other individuals on the lease that are each required to pay 1/3 of that debt until the total amount is paid. I have sent a registered return receipt letter to national credit systems offering to pay my 1/3 of the debt in order to remove this collection notice from my credit report. Prior to this incident my credit was at roughly XXXX as a XXXX XXXX and plummeted down into the XXXX hundreds as a result. I have always stood steadfast that I would pay my sons and my obligation of XXXX of the debt which would be roughly {$2600.00}. They will not accept that and tell me I have to pay the full thing and go after the other two tenants myself. This sounds ridiculous and as a result I am filing this complaint.
Consumer Consent Provided	Consent provided

Issue	Written notification about debt
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Didn't receive enough information to verify debt
Sub Product	I do not know
Date Received	2023-07-25
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-07-25
Consumer Consent Provided	Consent not provided

Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	I do not know
Date Received	2023-05-06
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-05-06
Consumer Consent Provided	Consent not provided

Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	Other debt
Date Received	2023-01-18
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2023-01-18
Complaint What Happened	On XX/XX/2018 the residence at XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX, IN XXXX, managed by the XXXX XXXX XXXX XXXX was leased and rented in my name without my knowledge. At the current time, I was a resident of XXXX XXXX XXXXXXXX and had been living solely in XXXX for all of my life, even residing in a XXXX XXXX in XXXX XXXX, XXXX XXXX for two and a half years. There is no possibility that I could have leased this apartment and thus lived in the apartment either. I am currently being held liable for {$8400.00} worth of debt that is not mine. There are also many inconsistencies in the leasing agreement and ledger balance that pose an issue.
Consumer Consent Provided	Consent provided

Issue	False statements or representation
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Attempted to collect wrong amount
Sub Product	I do not know
Date Received	2024-12-01
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-12-01
Consumer Consent Provided	Consent not provided

Issue	Attempts to collect debt not owed
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Debt is not yours
Sub Product	I do not know
Date Received	2022-06-10
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2022-06-10
Complaint What Happened	I am writing to you regarding the security deposit in the amount of {$2900.00} that was paid for the lease, signed on XX/XX/2019. Several months after terminating my lease, I received a collection claim from National Credit System. National Credit system has not provided me with an itemized breakdown of the outstanding claim. This was surprising, given that that a representative from the management office at my prior residency recently indicated to me that a claim was filed and paid with an insurance provider " XXXX. '' Furthermore, this representative indicated to me that there should not have been any effect on my credit as no collection were filed against my account. The debt collector has refused to remove this item despite my submission of numerous documents objecting to the balance. The outstanding balance on the account is ~ {$1300.00} and per my recollection, a {$3000.00} deposit was paid, which should have offset my outstanding balance. Unfortunately, the management office of my prior landlord has misplaced my security deposit. XXXX has, instead, sent me a copy of a surety bond that appears to not be in my name.
Consumer Consent Provided	Consent provided

Issue	Took or threatened to take negative or legal action
Timely	Yes
Company	National Credit Systems,Inc.
Product	Debt collection
Sub Issue	Threatened or suggested your credit would be damaged
Sub Product	Rental debt
Date Received	2024-10-15
Submitted Via	Web
Company Response	Closed with explanation
Consumer Disputed	N/A
Date Sent To Company	2024-10-15
Complaint What Happened	To Whom It May Concern, This is now my third request for National Credit Systems , Inc. to stop reporting information to the credit bureau regarding this alleged debt. I have already submitted documents in my initial complaint, and I do not see my signature on any of the documents provided by your company. As XXXX XXXX ( formerly XXXX XXXX ), I confirm that I have never conducted any business with National Credit Systems, nor have I authorized the use of my personal information for this purpose. This continued action is unauthorized, and if it persists, I will have no choice but to pursue legal action. Please consider this a formal demand to cease all reporting to the credit bureau immediately. Any further unauthorized use of my personal information will be addressed in a legal forum. Thank you for your immediate attention to this matter. Sincerely, XXXX XXXX ( formerly XXXX XXXX )
Consumer Consent Provided	Consent provided