Consumer complaint received 2023-08-16
Company: National Credit Systems,Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
On XX/XX/XXXX I had applied for county/state rental and utility assistance program in XXXX XXXX I lived in at the time. ( I was an unemployed single parent ) due to multiple circumstances and issues during covid that prevented me from working and had to seek help through the county program ( XXXX of XXXX XXXX Florida my participant # XXXX ) I applied and was approved to receive the assistance that was to start in XX/XX/XXXX. From the very beginning It was constantly an issue that the payments that went directly to the landlord and utility company was not paid on time or even close to the time they were due. Understanding that the landlord and utility company were contacted and aware that I would be receiving the assistance and that they would receive these monthly payments directly. I provided the required information ( bills ) every month but would continue to go unpaid. Contacting the XXXX every month regarding the unpaid and extremely late payments. My utilities were disconnected 3 times due to there non payment and accrued multiple late fees and additional charges every month. I received eviction notices every month and was charged over a $ 100 monthly in fees. I had to move out or get evicted from my XXXX apartment due to the ongoing non payments and resulted in moving to another apartment to avoid being evicted. Having no choice but to move out and find another place for my family to live and had to pay {$2700.00} in rent and deposits to move into another apartment. I paid these fees and XXXX month rent and was approved in XXXX XXXX from the same county assistance program XXXX of XXXX XXXX but XXXX continued to go unpaid which resulted in my children and I to be evicted on XX/XX/XXXX, XXXX attempted to fight the eviction but ERAP would not help or assist me to contact the landlord to stop the eviction, cover the rent owed and basically was told sorry we cant help you. once we were evicted and had XXXX minutes to vacate our apartment and was not allowed to pack our belongings and returned the next day to get our belongings which had been thrown into garbage bags and had multiple items and belongings damaged and destroyed by the property management. At that point when evicted we had no where to go and had to move out of town to another family members home in XXXX XXXX. In XX/XX/XXXX the property management company sent the outstanding balance claiming I owed {$11000.00} ( 3 months rent of {$2000.00} from XXXX XXXX and multiple additional fees and charges of over {$5000.00} ) to collections and applied to my credit report. I have made several attempts to resolve this issue with the XXXX program since XX/XX/XXXX begging them to pay these outstanding bills that now prevents me from finding a home or getting approved for a loan due to the collections on my credit report and I have no means to pay these outlandish balances that I have and still continue to incur and has severely damaged my credit and ability to provide for my family. I am begging for someone to help me regarding this matter and help me resolve these outstanding bills and collection issues and order the XXXX assistance program of XXXX XXXX pay the rent and utilities that is owed due to there negligence of paying the approved bills that should have been completely covered in full based on the amount I had been approved to receive ( {$15000.00} ) I had hope to resolve this directly with the assistance program since it is a state/government funded assistance program. PLEASE HELP ME FINAL RESOLVE THIS MATTER so I can provide for my family immediately and in the future without the constant issues that these collection accounts that is owed and should have been covered under the assistance program but is preventing me from receiving any type of financial assistance or finding or getting approved for finding a home and trying to get an emergency personal loan to help with covering current housing costs, monthly bills and just simply being able to provide for my family and immediate necessary needs that is so desperately needed but continues to prevent me from doing what I need to do. The outstanding balances that has been sent to collections is : {$11000.00} Rent owed ( XXXX XXXX apartments XXXX Fl ) ( but should only owe {$6000.00} in rent owed for XXXX XXXX ) the balance reflects all the late fees and additional charges I have been charged due to the continued non payment. 
{$740.00}. ( XXXX utility XXXX Fl ) overdue utilities ( the amount also includes late fees and additional charges due to non payment ) this is an outstanding bill from XXXX and XX/XX/XXXX. This account was closed in XX/XX/XXXX when we had to move out and had to move to another apartment due to the non payment of rent owed by the XXXX program. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX rental/utility assistance program XXXX Fl XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation