Product: Debt collection

On XX/XX/XXXX, I faced a XXXX XXXX XXXX  This took place around XXXX  that day. The events that took place before and after this repossession are equally important. Before XX/XX/XXXX, which I went into further detail in my document attached, I went through years of communication attempts to try to understand any prior balances, after receiving rental assistance through Tenant-Landlord Assistance Coalition ( TLAC ) from XXXX to XX/XX/XXXX. The property management and every leasing employee purposefully and intentionally ignored these communication attempts. The management has violated my rights to rental transparency several times, as well as refused to acknowledge my 30-day month-to-month notice, refused to send XXXX XXXX over to me ( which is detailed in my documentation as my " Renewal Offer Statement '' ), refused to open my account portal to even make any payments, which had been shut off before my rental assistance, before any balance could have accumulated, refused to also allow me to make payments in increments or via month-to-month ( which I had already sent within the correct timeframe ), and several unscrupulous behaviors of maltreatment and malpractice from the leasing assistants and property management of the XXXX XXXX XXXX Property. 

Please view my official document below, which details these events in full detail, including all documents of evidence mentioned in this statement. What this company and the collection agency put me through was extensive and an intentional trickle-down effect to violate my rights under the XXXX XXXX and the Fair Credit Reporting Act. 

In XXXX of XXXX, after several attempts to apply for XXXX XXXX 's rental assistance program, I received an email from XXXX XXXX XXXX, an employee of XXXX XXXX XXXX Assistance program ( TLAC ), that I should go ahead and reapply for housing assistance via the link she sent through email. I continued this very long, strenuous process that was not easy for my mom and I, but was finally finalized in XX/XX/XXXX. Senior Attorney XXXX XXXX XXXX at the time was my XXXX Legal Aid attorney who helped me with everything regarding my XXXX, any information that needed to be submitted, and the entire process in and of itself. I was also notified of every XXXX meeting hearing for my rental assistance case via email, being that every case would take place via XXXX. This is very important to note as it will be relevant later. 
The discrimination and vendetta against me from the XXXX XXXX XXXX management were so profound, since the time the first property manager left shortly after I moved in late XXXX, that during one of the XXXX hearings that took place in XXXXXXXX XXXX XXXXXXXX for this rental assistance, I was completely shut down verbally by the attorney of The XXXX XXXX XXXX, Attorney XXXX XXXX, so poorly and disrespectfully while I was speaking to the judge, that the judge herself had to quickly remind Attorney XXXX XXXX that this is not his courtroom and he is not allowed to tell another defendant that they are not allowed to speak. This goes to show the extent of the discrimination and hatred towards me by those associated with the XXXX XXXX XXXX XXXX XXXX. I was only XXXX XXXX XXXX feeling so shaken in this XXXX court hearing at that time. I provide this information to show you the extent of hatred this community has always had for me as a XXXX XXXXXXXX XXXX XXXX XXXX XXXXn their supposed luxury community. 

During these XXXX XXXX XXXX hearings for rental assistance, my XXXX and I were providing the judge with monthly payments to show that we could make the rent payments, which aided in our approval for rental assistance. In XX/XX/XXXX, I was notified that my case for rental assistance had been settled and I will be receiving rental assistance up until XXXXXXXX XXXX XXXXXXXX that year. Attorney XXXX XXXX sent over the XXXX, corrected anything for me, and everything from that point, was forwarded to The XXXX XXXX XXXX XXXX XXXX, in particular XXXX XXXX. 
Fast forward to XXXX XXXX. I received an email from one of the XXXX XXXX XXXX Resident Experience Managers at the time ( always rotating new people ), XXXX XXXX, telling me that at the end of XXXX, they will be repossessing my apartment once my rental assistance is over, and that they will not be renewing my lease because my leasing agreement ended XX/XX/XXXX. Please keep in mind that my rental assistance process did not begin until XX/XX/XXXX, which was out of my control because I waited up to 9 months for my case to finally be addressed. Therefore, my lease technically ending in XXXX did not apply to the situation at hand, however, they were trying to use it at the very end to not even allow me to be a month-to-month tenant initially. They did not bother listing what my options were, nothing. They just sent me a notice of non-renewal. 
As seen in the attachments within my full document, the dates on which these emails were sent to me were outside of the timeframe of which my lease states that they must notify me of any possession of my apartment. To summarize, the management was trying to take my apartment right from under me as soon as my rental assistance was over. I did not owe a balance at this time. They were hoping that I did not know my lease and did not know my rights as a tenant, another violation. From this point onward, I sent to the property manager my 30 day month to month tenant notice which was met with other emails in my document and in these emails, you can see how I was blatantly ignored, disregarded, and not given the documents to sign despite requesting it many times and despite being told that it would be sent to me. In my document, the property made it seem like they sent out my renewal offer statement but in the email, you can see that there was no document or XXXX attached to these emails. I brought it up to the property manager and I was ignored multiple times. 

Not only did this take place but the property manager XXXX XXXX, also refused to respond to my emails asking for clarity as to why on my conservative statement, there was showing a previous balance for XX/XX/XXXX, which was amid my rental assistance. Therefore, I was not to have any balance and did not have any balance prior. She of course did not clarify where this balance came from and before my rental assistance, I had XXXX balance. This management intentionally kept me in the dark about my financial status as resident, refused to send me the statement that I needed to sign to proceed as a month-to-month tenant, and instead of sending me this statement, they proceeded to send me an eviction notice in XXXX of XXXX, just a few months later, as though they had no obligation to adhere to my rights and needs as a tenant, as though I made XXXX attempts to understand and resolve my balances, rental agreement, etc. The property management of XXXX XXXX XXXX was already prepared to take me out of my apartment the second I was approved for rental assistance. Their violation of my rights as well as the lack of transparency from them and the XXXX XXXX XXXX XXXX, led to this very eviction, which on multiple occasions, could have been avoided. This led to what took place with the balance that appeared on my and my mothers credit report inaccurately, as my rights under Fair Housing ( HUD ) and the Fair Credit Reporting Act, were violated repeatedly. I will be detailing the inappropriate action of XXXX XXXXXXXX XXXX National Credit Systems and the theft committed by the groundkeepers of the XXXX XXXX XXXX XXXX. Because the XXXX XXXX is currently being federally investigated for fraudulent activity, violating anti-trust laws within the state of Georgia, as the XXXX XXXX headquarters was raided by the FBI in XXXX of this year, XXXX, this will further show that their intentional illegal activity of theft, lack of transparency, and refusal to tell me what they did with my own property, including my passport, mail, and other confidential personal information, is beyond enough evidence to understand the demand to remove this debt collection off of my and my mother 's credit report. This is a legal matter on several levels. I have suffered homelessness because of the XXXX XXXX XXXX negligence for the past year due to this fraudulence and abuse of power and I refuse to suffer moving forward. 

Once I received the dispossessory warrant on my door on XX/XX/XXXX, I filed my document of support to the XXXX XXXX XXXX court within the seven-day time frame, as detailed in my documentation ( images included ). 

The Magistrate XXXX XXXX XXXX  XXXX told me that I would be notified via email, as I always have been, as detailed during my rental assistance case, when the XXXX hearing will take place. However, when the time came, only the management of XXXX XXXX XXXX was notified and I was not. Therefore, the day that this XXXX hearing took place, I did not know the day or time, therefore only the Attorney of the XXXX XXXX XXXX management attended and because I was not there, they gave them a default judgment which issued other things of which I was not aware of or given until after the eviction took place on XX/XX/XXXX. All of this is detailed more in my document attached. 

After the eviction took place, I documented all of my property and where it was placed. My key was cut off immediately after, therefore I was unable to retrieve all of my property from the eighth-floor parking deck. I made the management aware of this, however, they ignored weeks of calls, voicemails, and emails from me requesting where their groundskeepers took my property. My neighbor at the time witnessed this theft which I detailed in my documents as well. I have multiple emails that I sent to XXXX XXXX ( property XXXX ) as well as XXXX XXXX, the newest community manager of the XXXX XXXX XXXX who was present during the eviction and XXXX XXXX XXXX  the entire time, despite just coming to the community two weeks before the repossession took place. During this time as well as over this past year, I have had to file for identity theft of my passport, file a police report which was dismissed, and spent the past year searching for lawyers who could represent me. To this day, I do not know what the management did with all of my property. 

During this time, I was soon threatened by XXXX XXXX, the Account Specialist for The XXXX XXXX XXXX management many times regarding the balance that occurred. I made it very clear to her that I did not mind resolving this balance as long as the management, rightfully, explained to me where all of my property was taken to as well as why they refused to allow me to retrieve my mail, which is mail fraud, as I or anyone in my position would not be able to move forward until the theft of my property is accounted for. She attempted to pull up fake receipt emails from XXXX XXXX, an assistant manager of XXXX XXXX XXXX at the time, intimidating me with me 72-hour demand email. This email was drafted and sent to me during the period when I had already filed with the Court and was still waiting to hear from the Court for the XXXX hearing. Although I did not receive information until hours after the eviction took place, when that email was sent, I was still in that waiting period, and the information I was given the day after the eviction proves that. According to Georgia law, landlords can not intimidate or threaten a tenant out of their apartment unit while awaiting a court date, which XXXX XXXX was trying to do. I was threatened and even had someone sent to my door during this period, which I detailed in my document. 

Fast forward to National Credit Systems, I was contacted by XXXX XXXX on Wednesday afternoon, XX/XX/XXXX aXXXX XXXX XXXX, where I was informed of this debt reporting, and from that point on, his behavior became very distasteful and blatantly disrespectful, as he kept cutting off the phone when I needed clarity, and I would have to keep calling back for it. He knew that at that moment, I was at his mercy to try to resolve this debt so that it would not destroy my credit unnecessarily. I explained to him how the original creditors, XXXX XXXX XXXX property management, refused to tell me what the balance completely entails, as I was not given any transparency from them, amongst several other things. He tried to bribe me into paying half of the full amount if he reduced it to {$16000.00} versus the original amount. I knew that that was not how that works, he was just trying to get his percentage of that money through using intimidation tactics. I knew that I was entitled to a mediation or some sort of dispute process, or legal representation if I had it. Once I mentioned this, then he mentioned that other processes would need to be taken if legal representation is involved, however, I can report the debt through their dispute process. While I requested this, XXXX XXXX did not allow me to complete my dispute before reporting to the three credit bureaus. It is important to note that both he and his assistant XXXX XXXX were very blaming and seemed to already have their opinions on my situation which they have no context of. Again, this and every situation leading to this eviction and now inaccurate debt reporting is thoroughly reported in the documentation I have provided. The original creditors have committed crimes of theft, mail fraud, refusal to address the true amount of debt that they claim I owe, and in every instance, ignored me and others who attempted to reach them regarding my property and this debt, including their lawyer, who refuse to communicate with another XXXX Legal Aid attorney who reached out to him on my behalf and National Credit Systems doing the absolute same by violating my rights under Fair Credit reporting. I will not stand for this activity and will go on to list my demands in the next question.