Consumer complaint received 2015-11-26
Company: National Credit Systems,Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Filed against : National Credit Systems , Inc . 
XXXX XXXX XXXX GA XXXXComplaint Description : The National Credit Systems , Inc. states that I owe on account # XXXX a total of {$3600.00}. The account in question is from an apartment that had an agreement terminated XX/XX/XXXX. I discovered this debt by checking my credit report and inquiring about it. On my credit it shows as debt owed beginning XX/XX/XXXX, however it should be changed to the correct date of XX/XX/XXXX. No attempt has ever been made to reach me regarding this debt that began XX/XX/XXXX. I had cosigned for an apartment for a friend of mine and was never notified of the failure to pay a debt. The person who rented the apartment, informed the apartment management that she was unable to afford the apartment and that she would be terminating the agreement early. She was told that if she left within three days that she would only be charged the early termination fee of {$2400.00} and no other fees. She left within three days per their agreement and made an arrangement to pay {$100.00} per month until the debt was paid off. In addition to the deposit on the apartment that paid off {$220.00} toward the termination fee, she made one payment of {$100.00} XX/XX/XXXX and did not make payments afterward. Once I found out about my credit score I called National Credit Systems to resolve issue. They state that instead of the {$2400.00} ( minus the {$100.00} payment and the {$220.00} deposit ), we also owe {$1200.00} for less than 60 day notice, pro-rated rent at {$32.00}, {$180.00} for cleaning charges, {$3.00} in damages, and {$19.00} in water/sewage which brings us to a total of {$3900.00} ( minus the {$220.00} deposit ). We should not have to pay the {$1200.00} for not giving 60 days notice as the arrangement with management was to leave within 3 days to avoid these charges, and she met that arrangement. In addition to the complaints, I have contacted this company and was met with extreme hostility. They yell over me when I merely ask questions regarding this debt which is news to me. They hang up on me frequently. They are rude, condescending, and insulting. At this point, when I call them they simply put me on hold until they eventually hang up on me. The company agreed to consider the debt settled at XXXX % ( {$2500.00} ), and yet when I asked for that agreement to be made in writing prior to payment, they refused saying that I must take their oral agreement and nothing else. I do not trust them to keep their agreement without seeing something in writing. To reiterate, I would like National Credit Systems , Inc. to provide to the three credit reporting agencies the actual beginning date of this debt XX/XX/XXXX and not XX/XX/XXXX that they reported previously. I would also like the agreement they made with me at considering this debt settled at XXXX % to be put in writing prior to payment. 

Desired Resolution : I would like National Credit Systems , Inc. to provide to the XXXX credit reporting agencies the actual beginning date of this debt XX/XX/XXXX and not XX/XX/XXXX that they reported previously. I would also like the agreement they made with me at considering this debt settled at XXXX % to be put in writing prior to payment.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation