Consumer complaint received 2019-02-01
Company: National Credit Systems,Inc.
State: AZ
Product: Debt collection
Sub-product: Mortgage debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
I was contacted by XXXX XXXX @ national credit systems about debt from an apartment complex where I use to reside. I was unaware of the debt. XXXX was very argumentative. She wanted to know my credit card number. I had no idea if this was a real or a scam. She said well just XXXX it then. She refused to help me understand. she kept talking over me and then hung up. I called back and asked to speak to her manager who is XXXX at ext XXXX. XXXX explained everything to me including a break down of the payments. However, I still was unsure if this was a real company or not. XXXX said I was entitled to a copy of the lease to which I never received. I did, however, receive an itemized list of the bill. I was shocked at the charges. I made a second call to XXXX and told her I wouldn't pay for several of the charges because I had in writing from the manager the apartment would pay for portions of the debt. XXXX stated I would have to send all evidence to the PO BOX address. I told her I would make an Initial payment of {$2500.00}. I asked her what the payments would look like after that. She stated it was about {$300.00} and something per month. I said no way I could pay that much. I just had a baby and I was on maternity leave. She said ok and transferred me to XXXX x XXXX. We talk and we agreed on 2- {$100.00} payment per month with an initial payment of {$2500.00} paid that day. She asked me to call her the following Monday because i was at work and couldn't talk. Monday rolls around and she gives me the email address for my dispute documents. I went home and sent 5 emails. One email had a list of the disputes and why. The remaining 5 had additional documentation and video supporting the dispute. XX/XX/XXXX a letter was sent stating because I hadn't set up a payment plan they reported me to the credit bureaus. They threaten to sue me, garnish my wages bank levies, and property liens. 
( These conversations I recorded ) I called back was sent to XXXX who wrote me the letter. I told her I didn't understand I made a payment and followed the rules. She sent me to XXXX stated she would take me off the bureaus reporting list and add the payments XXXX and I agreed on. XXXX states the emails wouldn't work and that that complex had 30 days to respond. I was then transferred to XXXX. Of course, the call dropped at this point and I had to call back ( still recording ). XXXX refuses to answer my questions. He won't tell me if the emails were sent as part of the dispute, why my account wouldn't let me in, and why I can't get a straight answer. He states its federal law to turn my account over to the bureau because I chose to dispute the charges. He states the dispute was submitted on the XXXX ( so that would have to be in XXXX ) before the documents were sent. I well past 30 days and I have heard anything from anyone. I've tried to do the right thing, but I didn't know about the debt. I didn't receive a copy of the lease. I was told in writing i was signed off the lease and do to ungodly circumstances we were told we couldn't go in the office at the complex. 

I received an additional letter. They reported the debt with the 3 main credit bureaus. I file a report with equafax only. The debt was reported but taken off. They are damaging my credit despite up to date payment. 

Debt amount {$3900.00} account number XXXX

Company response to consumer: Closed with explanation