Consumer complaint received 2023-08-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I settled any debt with XXXX XXXX XXXX also known as XXXX XXXX XXXX, with on XX/XX/XXXX. There is a negotiated and signed court settlement of {$1900.00} agreed signed by me ( XXXX XXXX ), XXXX XXXX XXXX ( Tenant on the lease ) an XXXX XXXX  Representative that attended the court hearing. As there was no clause added to signed agreement to send this matter to collection agency policy, I ask and pay for an one extra month to move my items, the XXXX XXXX Representative said I had to show I was moving out and I said I will have a XXXX  truck on my last day of occupancy to show and pick up my furniture that was mine. I also ask that since the original lease will be terminated, I would not be liable for the condition the unit since I had only a month and half to move out and I did not an eviction place on my record after I left the property, the XXXX XXXX Representative agreed as long as the payments were made, we all so agreed that former occupants will not liable for the conditions of unit, due to time limit set by the XXXX XXXX XXXX to vacate the property. The mediator and XXXX as a witness. So, the terms were explained all parties by the judge to end the Lease on XX/XX/XXXX, and make the guaranteed payments on the dates required in the terms of the signed the agreement. 
As stated in the agreement, The XXXX XXXX XXXX agreed never file writ possession with the court as long as the certified funds where pay by the former occupants ( me and My brother ) and since the previous lease term and conditions were voided, and we ( occupants ) would not be liable for the condition of the unit since the move out day was XX/XX/XXXX as stated the signed agreement. 
I was shocked to learn months later when I applied to a new apartment at different complex that XXXX XXXX XXXX had placed my closed account in collection and violated signed agreement. I decided to start the process of discovery for lawsuit, and I had a paralegal assist me in contacting the court to get a copy of the Filed Signed agreement. While wait on that evidence, I pay extra charge for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to prove that I did not violate the signed agreement so I could get move in to place I had apply for early that month, unfortunately I had to pay an extra for deposit or lose my apartment. I received the result in XX/XX/XXXX which confirm that I have no eviction on my record, and it proved I had followed the court order agreement that I signed. I sent the results to XXXX XXXX XXXX via a certified mail, to ask them to remove the false collection and or I will be filing a lawsuit again them for filing a false claim and for breach of signed, the letter was refused and returned to me. Unfortunately, a few week after this my mother die and my father XXXX XXXX due to her lost and was now, he will have to retire due to XXXX of cause damage of his XXXX. I decided to pursue that lawsuit and give up my finishing college since now that I had false debt stopping would stop from applying for personal loan to help with my father care. 

It was not easy, and this false claim has caused me to miss many opportunities both professionally and financially.

Company response to consumer: Closed with explanation