Consumer complaint received 2020-01-08
Company: National Credit Systems,Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
While under lease with a particular apartment complex ( XXXX XXXX XXXX  ) in XX/XX/XXXX, my unit was broken into and I was robbed of my personal belongings and also robbed of my peace of mind. What was more concerning to me besides my safety, was the future security of my home. The majority of the frame of the door fell completely inward as I returned home from the gym that Saturday evening to see the damage that had been done. I called police to the scene only to be given a police report ( that I no longer currently have due to misplacement over time ). The incident happened on a late Saturday evening which meant I could not report the incident to the leasing office of the apartment complex until the following business day. 
Once they opened, I was able to describe the actions that had taken place the previous Saturday. We were told by the office staff that there was nothing they could do about the robbery and as for the door frame, ( which made the unit impossible to live in ), we would need to put in a work order which they were 'already backed up on '. With no other options, I packed my things and left the unsafe unit with plans to dispute the matter at a later time. Within maybe a couple of weeks after moving out due to the unforeseeable circumstances, I returned to the apartment complex to dispute said matter. It was at that point I was informed that the apartment complex had a new office staff and shortly after, was under new management. At this time the apartment complex had changed their name and updated management information online etc. The new apartment complex and management company implied that that issue was not with them but instead the previous management company. I was not sure what to do at that point, but after trying to get another lease with another apartment, I was I was declined for reasons related to 'bad rental history '. I checked my credit report only to see that an outstanding balance of {$1300.00} had been sent to a collections agency, ( XXXX XXXX ) opened on XX/XX/XXXX. This was an issue because I was not able to properly dispute the matter related to the balance of {$1300.00} before it was a derogatory mark on my personal credit report. I reached out to the management company ( XXXX XXXX or according to my credit report : XXXX XXXX XXXX XXXX  XXXX ), who was responsible for sending this debt to collections. I had intentions to resolve the matter. I was then informed that the issue needed to be resolved/disputed with ( XXXX XXXX ). I contacted ( XXXX XXXX ) and they were not budging nor did they seem to understand my issue. Things became discouraging because I felt that this balance was unfair to me and my credit life. 
On XX/XX/XXXX another outstanding balance was opened up on my credit report by ( NATIONAL CREDIT SYSTEMS ) that has a current balance of {$2000.00}. The original creditor for this balance according to my credit report is ( XXXX XXXX XXXX XXXX  XXXX XXXX ). " XXXX XXXX XXXX XXXX '' is the newer name off the apartment complex. The management company for " XXXX XXXX XXXX XXXX '' is ( XXXX XXXX XXXX ). I then contacted ( NATIONAL CREDIT SYSTEMS ) by phone to resolve the matter. I asked the phone associate why do I have two separate balances related to the same incident on my report, and they implied that this balance was sold to them and that the balance of ( {$2000.00} ) was the only balance they were aware of. 
However according to my credit report, I have two separate balances, opened by two separate collection agencies, from two separate " original creditors '' for the SAME incident. I have tried for so many years to resolve these issues and it has been hectic and unfair for me. This process of submitting a complaint was recommended for me to resolve this issue as it is a very unique issue. I am praying this process can help. Unfortunately I do not have anything tangible to attach, however, I feel this issue can be resolved nonetheless. Please and thanks in advance.

Company response to consumer: Closed with explanation