Consumer complaint received 2021-06-28
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX XXXX XXXX manages XXXX Apartments. XXXX Apartments has sent my information to a collection agency called National Credit Systems , Inc . Since XX/XX/XXXX I have been receiving calls and letters from NCS requesting payment for something I never agreed to pay. I signed a lease with XXXX XX/XX/XXXX that ended on XX/XX/XXXX. As stated in the lease, the contract only automatically renewed on a month-to-month basis if neither if either party failed to give 60 days notice. I gave my 60-day notice and did not enter another agreement with XXXX Apartments. There was no new lease signed, I did not agree to any of the charges they tried to bill me for. When I received my first letter from NCS I informed them, through certified mail on XX/XX/XXXX, that I had no knowledge of the charges. I asked if they could validate them and provide a detailed explanation. I have receipts from that letter that my letter was received on XX/XX/XXXX. National Credit Systems ignored my requests and continued to ask for a payment in a letter dated XX/XX/XXXX. On XX/XX/XXXX I sent NCS another letter explaining to them that I think my rights had been violated by failing to validate a debt at my request and continuing to attempt to collect a disputed debt, both FDCPA violations. I asked them, again, to validate this debt. I specifically asked for them to provide me with the following : 1. Proof of right to own/collect this alleged debt 2. Balance claimed including all fees, interest and penalties 3. Contract bearing my personal signature 3. License proof to collect debts in my state To date they have yet to comply with my requests for validation. The lease they insist on providing me with expired with no new agreement on XX/XX/XXXX. XX/XX/XXXX, I fulfilled my final payment to XXXX Apartments and had a XXXX balance. XX/XX/XXXX, I received extra fees and charges ( I also disputed and was told by XXXX I should've done a walk through - XXXX was NOT doing walk throughs at the time due to covid ) I never agreed to and along with threats to my credit report. I am distressed that XXXX Apartments and National Credit Systems has continued to harass me, after I asked them not to contact me until they can validate this debt. They have now included this information in my credit profile and they have failed to maintain reasonable procedures in their operations to assure maximum possible accuracy in the information they report. At this point I feel this company and any claims for amounts owed is untrue and not properly investigated. Im very bothered by the months of harassment and disregard of my rights by National Credit Systems and XXXX Apartments. 

This company presented me with a new lease because they knew the old one had expired and when I declined to sign the new lease they knowingly used the expired one to harass and illegally collect from me. 


I would also like to note that I filed a complaint with NCS XXXX and XXXX Apartments XXXX. I'm not trying to submit double complaints to XXXX, however I am trying to file a complaint with the source of this matter, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation