Consumer complaint received 2018-12-04
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Despite having disputed the invalidity of the debt this company is continuously attempting to collect, they have continuously sent me written letters lying, and falsely claiming that I had not contacted the company to dispute the invalidity of the debt. Despite warning them that I will file a police report against them if they continue to not understand that this debt is invalid and try to communicate with me further and thereby, harass me ... they have continued to commit more, similar annoying behavior. Also, none of the charges listed on the final receipt have a justifiable basis, the same receipt has been sent to me by XXXX, the parent company of XXXX XXXX, and then also by national credit systems , inc. and are just numbers attached next to a dollar sign, which they've printed off and sent over to me and my guarantor, unsigned. They have then asked for me to pay this invalid amount which is supposedly a debt according to them, and supposedly something that I am supposed to pay to them despite it being invalid. I have already explained this to National Credit Systems , Inc and  have explained to XXXX that these invalid charges are invalid as no evidence for them exist. I did not at any point in time agree to pay any kind of an invalid charge to anybody, and neither did my guarantor. The situation concerning the invalidity of the debt, and how the debt being invalid was going to be settled, was already decided upon and a judgement had been made, during an earlier complaint which the XXXX had arbitrated between myself and XXXX. They have falsely reported this invalid debt to one ( to  my knowledge ) credit reporting agency, and they have also claimed in their very recent letter they have mailed to me stating that they have reported it to two other national credit reporting agencies. Being that every single one of my interactions with them have been dishonest, I do not know how empty their threats are and exactly what they are going to do to further negatively impact me. i have already filed for an investigation to take place to fix the inaccuracy on my XXXX credit report. Please help me. Just to provide you with more context, the debt they are claiming is what they are collecting ( but in fact, is invalid debt ) is invalid as it is, as I had spoken to the  assistant manager about my early lease termination and to which he agreed and permitted me to do so. He permitted me to, and we both mutually ( him acting on behalf of his company as he is a qualified, representative and management personnel ) terminated the lease. The situation being that I had provided my tenant early notice of my intent to move out, had explained my situation and reasoning for having to vacate early, and even helped the landlord mitigate costs by helping find a sublet tenant..but unfortunately, although i tried, i wasn't succesful in signing a suitable sublet-tenant so the assistant manager on behalf of his team agreed to take over in the finding of a suitable sublease-tenant, instead. We mutually agreed to terminate the lease, and he allowed me to move out. I couldn't work to earn a steady income, and had to withdraw my college classes due to health conditions and due to unfair practices taking place against me by two university  systems.I had to move back home to another city to recover, and come back to health. It just didn't seem fair for me to have to pay for an apartment I could not although i wish i could have, but was not at all going to be using, so after reading an article on XXXX offering tenant rights on early termination of leases and steps they could take, they suggested that I explain the situation to property management/landlord and mutually terminate the lease, and with their permission move out of that apartment. A XXXX XXXX, XXXX XXXX, and a House Collector, have continuously pestered me and bothered me despite having asked their entire organization and anyone else related to this matter to stop contacting me. 

National Credit Systems , Inc. has placed this invalid debt amount on my XXXX Credit report, for which I have had to file an investigation disputing the invalidity of the debt. I received a letter today, XX/XX/2018  from National Credit Systems , Inc. stating that they have reported this invalid debt to all three credit reporting agencies and have also threatened that they are going to inform their client ( XXXX/XXXX  XXXX XXXX  ) to file a lawsuit against me to collect this invalid debt amount. 
Me and my guarantor have continuously been pestered unnecessarily by this organization starting from XX/XX/2018 to XX/XX/2018. 
XX/XX/2018 is when XXXX XXXX ( National Credit Systems , Inc. ) began unnecessarily contacting me over the phone, and that too, all he did was antagonize me assuming that the invalid debt was somehow valid, despite it certainly not being so. After XXXX had revealed his true intentions and that he on behalf of his company was attempting to collect an invalid debt, and that National Credit Systems , Inc. was using unlawful methods of collecting invalid debt ( XXXX XXXX 's claim over the phone call was that my returning of his call was proof that the validity of the debt was valid. ), I explained to him that I will place a complaint against him with the police. He then got scared, and attempted to reroute my call to another representative over the phone. I then decided to hang up the phone call having understood the fraudulent, corruptive actions which were being taken against me to illegally acquire money from me and my guarantor. 
On XX/XX/XXXX, me and my guarantor had both mailed letters stating, and confirming the invalidity of the debt and had stated that we did not want to be further contacted whatsoever, by anyone related to this matter. Both letters in their electronic versions are attached below and are listed as : nationalcreditsystems.docx, and XXXX XXXX, XXXX XXXX   XXXX, and National Credit Systems , Inc., I suspect, have been acting in collaboration to collect this invalid debt, and have continued to bring up the invalid debt many times over the course of this year to attempt to convince me that it is valid, and real ... when it is not. I have filed several complaints against National Credit Systems , Inc. as well as XXXX   involving the FTC ( early XX/XX/2018 ), as well as the XXXX Police Department on XX/XX/2018, and the XXXX XXXX XXXX ( once in the spring of XX/XX/2018, and once again on XX/XX/2018 ). 


The final document attached to this complaint is of the conversation between myself and the parent company of XXXX XXXX XXXX ( XXXX ). This is the email conversation which had occurred and where, I had once before, confirmed the invalidity of the debt alongside having had clarified and stated the dispute and its reasoning.

Company response to consumer: Closed with explanation