I wrote this complaint to the CFPB on XX/XX/XXXX I have been trying to resolve a collections account with NCC BUSINESS SERVICES since XX/XX/XXXX regarding move out/early termination charges for an apartment I shared with my ex boyfriend. Certainly we were aware there was going to be monetary consequences for breaking a lease, but in excess of {$6700.00} is unbelievable! I have disputed the charges ( EX : $ 1100+ fee for carpets where there were NO pets and we lived in the unit for less than 12 months ) and attempted to work out a settlement option for a reduced, reasonable, and affordable amount using our tax refund and every time I was told they do NOT do settlements and I can just pay what I can towards the balance until it is paid in full. 

Recently, I decided to dispute the account with the credit bureaus regarding these erroneous and inflated charges in efforts to resolve this and on XXXX it indicates the account is now closed ( which it never said this before ). So I contacted NCC BUSINESS SERVICES on XX/XX/XXXX to see the status of the account. I spoke with a representative by the name of XXXX and asked him if this was open and if they were still collecting on it and he said " yes ''. I explained to him what was mentioned above and he then informed me he would submit for a " debt reduction '' and he would call back once he spoke with management on an answer. I asked why he would be able to submit for a " debt reduction '' now when all these years I was told they did n't do settlements/reduce balances and that I needed to just make payments towards the balance. He told me because " I did n't qualify ''. So I then asked how NCC BUSINESS SERVICES would know if I qualified or not because nobody every asked me any questions regarding my circumstance to determine if I did or did n't qualify? He said because we were n't on unemployment, on SSI, XXXX etc. Which is actually inaccurate and a total assumption because XXXX XXXX ( my ex who was also on the lease with me ) was unemployed during a portion of the time we lived in this apartment. However, I was still employed while all this took place and even asked ( during a previous call ) to do a single party settlement to remove my name only and pursue XXXX for the remainder and was denied this workout option as well. XXXX quickly changed topics and asked if he can get the debt reduction approved if I was prepared to pay the payment all at once. I said I was, but still wanted to know why now all of a sudden this was a possibility when it had n't been for the past 4+ years. It appears misleading that now on my XXXX report this account shows closed and they can all of a sudden do a settlement/debt reduction? He never gave a straight answer other than we were n't unemployed or on a fixed income ( which was n't true and nobody every asked ) and he said he would send to management for even though I still did n't qualify? 

On XX/XX/XXXX I pulled my XXXX report again the very next day ( XX/XX/XXXX ) after the conversation above took place and it now shows the XXXX XXXX XXXX account is open!? I have been provided misleading and false information when I called on XX/XX/XXXX to NCC BUSINESS SERVICES and was told it was open, when it was n't ( according to my XXXX report please see attached ) and they opened it the next day ( please see my other XXXX report that is also attached ) to cover themselves.