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NATIONAL CREDIT SYSTEMS, INC. - Florida Company Profile

Company Details

Entity Name: NATIONAL CREDIT SYSTEMS, INC.
Jurisdiction: FLORIDA
Filing Type: Foreign Profit
Status: Active

The business entity is active. This status indicates that the business is currently operating and compliant with state regulations, suggesting a lower risk profile for lenders and potentially better creditworthiness.

Date Filed: 30 Nov 2005 (19 years ago)
Document Number: F05000007019
FEI/EIN Number 581954927

Federal Employer Identification (FEI) Number assigned by the IRS.

Address: 1775 THE EXCHANGE SE, SUITE 300, ATLANTA, GA, 30339, US
Mail Address: PO BOX 672288, MARIETTA, GA, 30006, US
Place of Formation: GEORGIA

Key Officers & Management

Name Role Address
LACKEY JOEL Chairman 1311 PEBBLE CREEK RD., MARIETTA, GA, 30067
LACKEY JOEL President 1311 PEBBLE CREEK RD., MARIETTA, GA, 30067
LACKEY JOEL Secretary 1311 PEBBLE CREEK RD., MARIETTA, GA, 30067
LACKEY JOEL Treasurer 1311 PEBBLE CREEK RD., MARIETTA, GA, 30067
C T CORPORATION SYSTEM Agent -

Events

Event Type Filed Date Value Description
CHANGE OF PRINCIPAL ADDRESS 2022-02-07 1775 THE EXCHANGE SE, SUITE 300, ATLANTA, GA 30339 -
CHANGE OF MAILING ADDRESS 2022-02-07 1775 THE EXCHANGE SE, SUITE 300, ATLANTA, GA 30339 -
REGISTERED AGENT NAME CHANGED 2010-03-24 C T CORPORATION SYSTEM -
REGISTERED AGENT ADDRESS CHANGED 2010-03-24 C/O C T CORPORATION SYSTEM, 1200 SOUTH PINE ISLAND ROAD, PLANTATION, FL 33324 -

Documents

Name Date
ANNUAL REPORT 2025-01-07
ANNUAL REPORT 2024-01-29
ANNUAL REPORT 2023-01-07
ANNUAL REPORT 2022-01-20
ANNUAL REPORT 2021-03-10
ANNUAL REPORT 2020-01-13
ANNUAL REPORT 2019-02-08
ANNUAL REPORT 2018-01-10
ANNUAL REPORT 2017-02-01
ANNUAL REPORT 2016-02-06

CFPB Complaint

Complaint Id Date Received Issue Product
11740540 2025-01-25 Attempts to collect debt not owed Debt collection
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 2025-01-25
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-25
11718781 2025-01-23 False statements or representation Debt collection
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 2025-01-23
Submitted Via Web
Company Response In progress
Consumer Disputed N/A
Date Sent To Company 2025-01-23
11708058 2025-01-22 False statements or representation Debt collection
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 2025-01-22
Submitted Via Web
Company Response In progress
Consumer Disputed N/A
Date Sent To Company 2025-01-22
11503355 2025-01-13 Attempts to collect debt not owed Debt collection
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 2025-01-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-13
8310387 2024-02-08 False statements or representation Debt collection
Tags Servicemember
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 2024-02-08
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-02-08
Complaint What Happened The collector sent me a letter dated XX/XX/XXXX with an amount of {$3900.00}. The letter indicated I had a right to dispute the debt by XX/XX/XXXX. The letter also saids I can dispute this debt directly through their website XXXX. I disputed the amount on XX/XX/XXXX via their website and wrote on the letter as a reminder. Nearly a month had gone by and I had not heard back nor received a letter with an itemized breakdown of the charges. So, I went back to their website and filled out there contact form and submitted a request to follow up on XX/XX/XXXX. I screen recorded showing the date and time and the request I submitted just in case. Fast forward to XX/XX/XXXX, my mother and I received a notification that the debt was reported to the credit bureau and showing on our reports. My mother called and spoke to a XXXX XXXX, who offered to get the account paid in full for {$1900.00}. My mom asked me to call in to handle the account as I was the primary. I called and spoke to XXXX XXXX and I immediately requested to understand why the collector did not honor my dispute request to show me a breakdown of the charges and proceeded to report it to the bureaus. XXXX XXXX claimed that I never submitted anything through their website. Which was false and I was attempting to file the screenshots and recordings I took, he transferred me to his supervisor. I then spoke to XXXX XXXX who I went back and forth with as she did not believe me and was continuing to claim that I never submitted anything through their site. Despite all the proof I have and was working on sending to her. She sent me an email with charges, but there was an amount listed for {$2400.00} and labeled as " Other ''. I asked her to explain those charges and she could not. I also explained to her the charges I had made several attempts to dispute with the leasing company before the charges went to debt collection. She did not believe me. I told her I would respond to her email with all the proof I have and which I did as of XX/XX/XXXX at XXXX XXXX. The email she sent me was not a direct one and a standard inbox. It appears they are running deceptive practices with their website, telling people to dispute through their website so that when individuals do, they can claim nothing was ever submitted and proceed with collections. I never received any confirmation email for the 2 times I made submissions on their website. I was fortunate enough to record my screen at the time so that the date and time showed as I feared something like this would happen. This debt should have never been sent to the bureau until it was validated and I should have been given a timeframe to pay down any actual owed debts before sending it over.
Consumer Consent Provided Consent provided
11716822 2025-01-23 Incorrect information on your report Credit reporting or other personal consumer reports
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 2025-01-23
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-23
11491703 2025-01-12 Attempts to collect debt not owed Debt collection
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 2025-01-12
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-12
11711513 2025-01-24 Took or threatened to take negative or legal action Debt collection
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 2025-01-24
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-24
10924994 2024-11-26 False statements or representation Debt collection
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 2024-11-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-26
Consumer Consent Provided Consent not provided
10925140 2024-11-26 False statements or representation Debt collection
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 2024-11-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-26
Consumer Consent Provided Consent not provided
10925216 2024-11-26 False statements or representation Debt collection
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 2024-11-26
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-11-26
Consumer Consent Provided Consent not provided
11682379 2025-01-20 Electronic communications Debt collection
Issue Electronic communications
Timely Yes
Company National Credit Systems,Inc.
Product Debt collection
Sub Issue Frequent or repeated messages
Sub Product I do not know
Date Received 2025-01-20
Submitted Via Web
Company Response In progress
Consumer Disputed N/A
Date Sent To Company 2025-01-20
11594187 2025-01-20 Attempts to collect debt not owed Debt collection
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 2025-01-20
Submitted Via Web
Company Response In progress
Consumer Disputed N/A
Date Sent To Company 2025-01-20
10760880 2024-11-11 Written notification about debt Debt collection
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 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
11505176 2025-01-13 Attempts to collect debt not owed Debt collection
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 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
11486677 2025-01-13 Written notification about debt Debt collection
Issue Written notification about debt
Timely Yes
Company National Credit Systems,Inc.
Product Debt collection
Sub Issue Didn't receive notice of right to dispute
Sub Product Rental 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
11503408 2025-01-13 Incorrect information on your report Credit reporting or other personal consumer reports
Issue Incorrect information on your report
Timely Yes
Company National Credit Systems,Inc.
Product Credit reporting or other personal consumer reports
Sub Issue Personal information incorrect
Sub Product Credit reporting
Date Received 2025-01-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-13
11487735 2025-01-13 Written notification about debt Debt collection
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 2025-01-13
Submitted Via Web
Company Response In progress
Consumer Disputed N/A
Date Sent To Company 2025-01-13
11528895 2025-01-14 Attempts to collect debt not owed Debt collection
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 2025-01-14
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-14
11106294 2024-12-09 Took or threatened to take negative or legal action Debt collection
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 I do not know
Date Received 2024-12-09
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-10
Complaint What Happened This company is violating my rights they have not provided validation Information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on your consumer report recently. I have made previous attempts to fix these issues directly with them and They are violating my rights and I'm entitled to {$1000.00} for every violation I listed, they either pay me or delete these accounts immediately
Consumer Consent Provided Consent provided
11441373 2025-01-09 False statements or representation Debt collection
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 2025-01-09
Submitted Via Web
Company Response In progress
Consumer Disputed N/A
Date Sent To Company 2025-01-09
11582387 2025-01-16 False statements or representation Debt collection
Issue False statements or representation
Timely Yes
Company National Credit Systems,Inc.
Product Debt collection
Sub Issue Indicated you were committing crime by not paying debt
Sub Product Other debt
Date Received 2025-01-16
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-16
11508560 2025-01-13 Attempts to collect debt not owed Debt collection
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 2025-01-13
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-13
11476674 2025-01-11 Took or threatened to take negative or legal action Debt collection
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 I do not know
Date Received 2025-01-11
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-11
11474165 2025-01-10 Problem with a company's investigation into an existing problem Credit reporting or other personal consumer reports
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 2025-01-10
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-10
8268594 2024-02-01 Attempts to collect debt not owed Debt collection
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 2024-02-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-02-01
Complaint What Happened Hello, I hope this message finds you well. I am writing to address a matter concerning a collection account from National Credit Systems, totaling {$1700.00}, dated XX/XX/2018. The original creditor, as indicated on my credit report, is XXXX XXXX XXXX. The associated account number on my XXXX Credit report is XXXX. I want to clarify that I have never entered into a lease agreement with XXXX XXXX XXXX. Despite numerous attempts to contact them, I have been unable to resolve this issue. Additionally, I have reached out to XXXX XXXX, XXXX XXXX Supervisor at XXXX, who has confirmed that no records of my existence are present in their system. I kindly request your assistance in rectifying this matter promptly. It is my sincere hope that we can resolve and remove this discrepancy from my credit report once and for all. Thank you for your attention to this matter. Sincerely, XXXX XXXX
Consumer Consent Provided Consent provided
11345574 2025-01-01 Attempts to collect debt not owed Debt collection
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 2025-01-01
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-01
11060316 2024-12-06 Took or threatened to take negative or legal action Debt collection
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 I do not know
Date Received 2024-12-06
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2024-12-06
Consumer Consent Provided Consent not provided
11683847 2025-01-22 False statements or representation Debt collection
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 2025-01-22
Submitted Via Web
Company Response In progress
Consumer Disputed N/A
Date Sent To Company 2025-01-22
11544564 2025-01-15 False statements or representation Debt collection
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 2025-01-15
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-15
11553892 2025-01-15 False statements or representation Debt collection
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 2025-01-15
Submitted Via Web
Company Response Closed with explanation
Consumer Disputed N/A
Date Sent To Company 2025-01-15

Date of last update: 03 Mar 2025

Sources: Florida Department of State