Consumer complaint received 2021-10-22
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Original Lease agreement executed by XXXX XXXX and XXXX XXXX signed on XX/XX/XXXX with XXXX XXXX property management company for a house located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I, XXXX XXXX, purchased a surety bond for {$1000.00} in lieu of a security deposit with XXXX in my name only on XX/XX/XXXX. The bond value was {$5900.00} Prior to the lease renewal, I reached out to XXXX XXXX in repeated emails over the course of a least a month asking to be removed from the lease. All my emails were received and acknowledged. 

On XX/XX/XXXX XXXX XXXX sent me a " Lease Amendment to Remove a Resident '' fully executed ( signed by XXXX XXXX as agent for the owner removing me from the lease as of XX/XX/XXXX and released from " further liability under the Rental Agreement ''. 

On XX/XX/XXXX I inquired by email with XXXX whether the bond could be transferred. I was told that it not only could NOT be transferred, but they were not issuing any more bonds due to Covid. I told them I was moving out and provided them with the documentation specifically the amendment to the lease to remove a tenant among other emails documenting my moving and cancelling. I also made sure in several emails that the bond was cancelled and was not to be renewed. Their response in an email was " the bond purchased in your " my name '' will no longer be valid once you move out ''. 

I then notified XXXX XXXX via emails that the bond was cancelled and that they no longer had a security deposit. In an email on XX/XX/XXXX to XXXX XXXX, I said that I had " a surety bond in my name that I am cancelling so please do whatever inspections/replacement of the surety bond that needs to be done '' I reiterated that I had moved out and thus the bond would not be valid per JXXXX email. 

This email was acknowledged and replied to. 

On XX/XX/XXXX, I was copied on an email from the property manager XXXX XXXX from XXXX XXXX to the owner of the home that I had formerly leased. I believe I was accidentally copied on the email. In that email, XXXX XXXX clearly says " the recent lease signed only includes XXXX XXXX as a resident and no pets ''. 

I never received any notices from XXXX XXXX on anything about the house ( unpaid rent, damages or anything ) and never even thought about it until I received a notification from credit monitoring that there was a collection account added. Needless to say, I was shocked. XXXX XXXX clearly had all my contact info and never once reached out to me stating there was a problem. 

I have been told by XXXX XXXX ( the remaining tenant ), with whom I have very limited contact, that there was a XXXX balance due for rent when he vacated. He said he received pandemic public rent assistance from XXXX County paying the rent in arrears in full. He sent me a screenshot but I don't know anything more than what he said. 

XXXX XXXX collected on this bond erroneously and it has significantly and falsely affected my credit. I have been working on trying to resolve this for weeks now. I contacted the collection company who were rude and condescending and would not supply any documentation. I then contacted the surety bond company and they said it was not them, but the bond was paid out by XXXX XXXX XXXX. I contacted XXXX XXXX XXXX and they said they needed to confirm my information with the leading company. I asked them for documentation about the claim on me and they have not provided it and have ignored my emails going forward. I have not heard back from anyone. I contacted XXXX XXXX, the property management company and they have acknowledged my emails and responded that it would be sent to the appropriate department... ..have not heard back from them. 

I have disputed the collection with XXXX and XXXX and the results were that the claim against me was valid. I was not allowed to say more than a sentence in the dispute.

Company response to consumer: Closed with explanation