Consumer complaint received 2019-06-14
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Prior to moving out of my old rental on XXXX with written notice I was going back and forth with my property manager ( XXXX XXXX ) and my HOA ( XXXX XXXX XXXX ) because when I moved in I paid my first months rent, my last months rent, and a security deposit and apparently the HOA held on to my last months rent and switched managers and could not find my last months rent. ( I moved into the property on XX/XX/XXXX and always paid my rent on time and maintained my home and had no issues with my HOA. ) I went back and forth between the property manager and the HOA about what was going on with my last months rent. The property management seemed understanding and knew what was the issue because we had been in communication with myself and the HOA on a regular basis up until my move out date got closer. They called me and we set up a walk through for XXXX and I was told that it was normal wear and tear and they even sent me an email saying they were going to use my security deposit for my last months rent until the HOA figured things out which I agreed too. THEN ... i got an email saying they were not going to use my security deposit back because I left a bulk pick up on the side of the road that I had arranged with the city to pick up and the property manager and HOA were aware as I gave them the confirmation # and called regularly asking the city for a status, which the city confirmed they indeed picked up. They must have been getting heat because the owners probably wanted their last months rent which I agree with however I had already made the payment and it reflected on my lease and my account statement. Then they told me if I did not pay my last months rent they were going to send me to collections. The HOA still has no clue where my money is. So now I get a letter in the mail from National Credit Systems saying they are going to send me to  collections for XXXX on behalf of XXXX XXXX unless I contact them for a solution. I contacted them and explained everything to them and that I am the one owed money because not only are they trying to make me pay my last months rent again but they are holding my security deposit from me in retaliation. I requested them to send me an accounting ledger in which they said they could only mail it to me, which they never did! Yesterday I got a notification that they submitted XXXX in debt to all 3 creditors. Not to mention but I have my calls recorded so they can not deny the conversation. They did not work with me in resolving this issue and I was unfairly reported to creditors out of pure retaliation. I'm a fair person, single mother, I have 2 kids that I take care of that are not mine from the State of Florida, I'm a full time employee and student and it is not right that people think they can do these things to people. The only time I did not pay debt in my past is when I left an abusive relationship and my life and my children meant more than my bills. I have moved on beyond that and the property manager XXXX XXXX and National Credit Systems are 100 % wrong. At the end of all this I am the one that is owed money and they are trying to put $ 13,000+ on my credit which does not even come close to anything I could possibly owe them even if I had not paid my last months rent.

Company response to consumer: Closed with explanation