Consumer complaint received 2019-07-10
Company: NCC Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I moved out of XXXX XXXX XXXX, located in XXXX XXXX XXXX, Nevada, on XX/XX/XXXX. Upon leaving management came up with a fake claim that I left the apartment damaged. In my 18 months of living there and having several inspections for random things like maintenance or routine checks, I never received any complaints or warnings or anything about the condition of my apartment. I left the apartment exactly how it was rented to me. However they claimed I owed {$2000.00}. They notified me of this two days after I left the apartment. I asked them for proof of damages. Show me pictures or receipts from the repairs to fix the damage that I supposedly caused. They did not produce any pictures. After a month of trying to force me to pay this debt, they reported this debt to NCC Business Services ( debt collectors ), located in XXXX, Fl. Despite it being on my credit report and rental history, I still refused to pay a debt that was basically fraudulent activity by XXXX XXXX XXXX. So time went by and I eventually did some research. According to the Nevada Statute of Limitations, NRS 11.190 ( 1 ) ( b ), after 6 years, a landlord can no longer seek a debt from a tenant. I contacted NCC Business Services ( debt collection agency ) the first week of XX/XX/XXXX to let them know, they can no longer attempt to collect this debt on behalf of XXXX XXXX because the 6 year statute of limitations on written contracts has expired. The woman I spoke with ( all calls are recorded ) told me that her records show I moved out XX/XX/XXXX. She then went on to say we didn't receive the information until XX/XX/XXXX. So she argued technically the 6 years has not been reached. I responded to her saying if your records show I moved out XX/XX/XXXX, then yes, the 6 years has passed. Again, I contacted her the first week of XX/XX/XXXX ; definitely after XX/XX/XXXX. But nevertheless, she insisted the 6 year mark would not occur until XX/XX/XXXX. On my credit report, it states the debt waa reported XX/XX/XXXX. So even though, the debt was given to me two days after I left XXXX XXXX, by XXXX XXXX XXXX management, NCC Business Services ( debt collection agency ) is basically acting as if the debt did not occur until they received it from XXXX XXXX XXXX on XX/XX/XXXX. So, I stopped arguing and waited. On XX/XX/XXXX, the account was closed. I was thrilled to have it closed. However, on XX/XX/XXXX, it was reopened!!!! So I contacted NCC Business Services ( debt collection agency ) and XXXX tells me that even though we received the debt on XX/XX/XXXX, we didn't process the paperwork until XX/XX/XXXX. This is wrong and illegal!!!! 6 years has passed since I left XXXX XXXX Apartments. Period. The fact that NCC Business Services and  XXXX XXXX are still trying to collect a debt is illegal pursuant NRS 11.190 ( 1 ) ( b  ). A landlord can not attempt to collect a debt from a tenant on written contracts after 6 years. The 6 year window starts 30 days after the last full payment of the tenant. That would have been XX/XX/XXXX. NCC Business Services is breaking the law!!

Company response to consumer: Closed with explanation