Consumer complaint received 2022-03-14
Company: National Credit Systems,Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
As of XX/XX/XXXX I receive a Call from National Credit system in behalf the past due balance for the XXXX at XXXX XXXX the representative use an aggressive demanding language in which I reacted defensively. 
National credit claims they have sent a notice to me with the apartment address in which I stated The XXXX  have my forwarding address and it was clearly written on the Move In Move out, We argue about this and I asked to speak with a supervisor leave a voicemail to them at National and no answer as of today from.

I did told representative about the deceptive action and in violation of FDCPA which she denied claiming even if I didn't receive my Validation notice I will still receive a call.

The representative was requesting money/pay plan on this debt that was in conversation within " validation period '' even when I repeatedly said above. 
I was call by the collection agency within the 30 days validation period without me receiving a Validation notice, I did request verification that XXXX have paid for the replacement of the carpet the amount said. 
I was at the move out inspection, my carpet was never steam after multiple request and at move out inspection the representative ripped off the carpet and said was to be replaced I signed the move out but pricing was written after at her office. 
I did provide vacate notice on time and also forwarding address on XXXX. 
I did attempt to set a payplan even when I knew it was unfair what I was getting charge and on fear I didn't want any negative remarks against my credit or cosigner Who never live at property. 
I told representative at national I was waiting for corporate for The XXXX call and still waiting. I not sure Why I don't have yet the information I request. 
My rent was always paid on time and even paid everything owe on the portal prior move out. 
The XXXX  wanted me to paid in full within 60days from move out regardless or face collections they said and provided me National info as collection agency and await to be contacted. 
XXXX came as said above and as of today No validation notice is being receive. 
I called today XXXX and spoke with Representative again, this time I called. 
I have all notification for mail that comes on my Mail and nothing is being receive from National.

I asked for the following information over the phone today from them. 
Date of placement from the XXXX  at National Credit : XX/XX/XXXX Date of 1st call from National Credit XX/XX/XXXX Representative claims placed on Dispute due to my disagreement, I requested a Validation notice since National Credit have Fowarding address on Move out form but didn't place accordingly As of Today validation notice not receive but they claimed was mail XX/XX/XXXX Again I have nothing Date of a 2nd call XX/XX/XXXX from myself to National Credit I was told account is on a temporary hold and what National Credit to the XXXX  is not being receive as of today.

I told representative at National Credit is being 30 days since placement date XXXX this debt is invalid they defaulted to send Validation Notice as required by Law and they are pursuing a debt without the Invoice to substantiate the charge.

Company response to consumer: Closed with explanation