Consumer complaint received 2024-10-10
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc. (TX)

I am submitting this complaint regarding the debt collection practices of N.A.R. Inc. related to a disputed rental debt. 

Background Information : N.A.R. Inc. initially attempted to take me to court regarding this debt ; however, the case was dismissed. After the dismissal, I was not informed that further attempts would be made to collect the debt, and I was not provided the opportunity to dispute it within the initial 30-day window. I became aware of the debt only when I saw it reflected on my credit report. 

Upon discovering the debt, I disputed it through XXXX XXXX. Despite this, the debt was not removed from my credit report. Later, I noticed that N.A.R. Inc. began adding monthly interest charges of {$27.00} to the debt without notifying me or justifying these charges. 

Details of the Discrepancies in the Amounts : In response to my inquiries, N.A.R. Inc. provided a written response on XX/XX/XXXX, which included a copy of my original lease agreement. However, the amounts listed in the documents they provided are inconsistent and conflicting : On the first page of their response, they claim I owe {$2100.00} in unpaid rent, with an interest charge of {$1300.00} and unexplained " fees '' totaling {$1500.00}. The total amount they claim is {$5000.00}. 
In the enclosed lease, the first page itemizes charges amounting to {$3700.00}, minus my security deposit of {$1500.00}, resulting in a balance of {$2100.00}. 
On the second page of the lease, there is a handwritten note stating {$2100.00}, plus an additional {$870.00} listed as a 40 % collection fee, for a total of {$3000.00}. 
These discrepancies raise serious concerns about the accuracy and transparency of the amounts N.A.R. Inc. is attempting to collect. 

Additionally, as of the current date, my credit report states that I owe {$4600.00}. This amount continues to increase by {$27.00} each month due to the added interest, which N.A.R. Inc. has failed to justify or explain. 

Failure to Address My Requests : On XX/XX/XXXX, I sent a certified letter to N.A.R. Inc. requesting the following information : The name and address of the creditor to whom the debt is currently owed, the account number, and the amount owed. 
The name and address of the original creditor and an itemization of any additional interest, fees, or charges added since the debt was transferred. 
Verification and documentation of their authority to collect the debt and charge interest. 
Information about the statute of limitations for the debt. 
The response I received on XX/XX/XXXX, only included the lease with handwritten amounts and failed to provide answers to my detailed questions, including the basis for the interest charges and unexplained " fees ''. 

I followed up with another request via email on XX/XX/XXXX, specifically asking for clarification regarding the interest charges, but N.A.R. Inc. has not responded. 

Additional Background : Had the court case not been dismissed, I would have presented documentation from XX/XX/XXXX between myself and the original creditor, in which they refused to accept my notice to vacate the premises. This paperwork would have further clarified the situation and the amount in dispute. 

Issues of Concern : Inconsistent and Unverified Amounts : The amounts N.A.R. Inc. has provided are inconsistent, and they have failed to itemize or explain the fees they are attempting to collect, including the {$870.00} collection fee. 
Unlawful Interest Charges : N.A.R. Inc. has been adding {$27.00} in monthly interest to the debt without providing any justification or documentation to support their authority to do so. 
Lack of Response : Despite my certified letter and follow-up email, N.A.R. Inc. has not adequately responded to my requests for information or provided verification of the debt. 
Potential Credit Reporting Violations : N.A.R. Inc. continues to report this disputed debt to credit reporting agencies despite failing to provide proper verification and despite the discrepancies in the amounts they are attempting to collect. 
Request for Action : I am seeking the CFPB 's assistance in investigating these matters and ensuring that N.A.R. Inc. complies with all relevant debt collection and consumer protection laws. Specifically, I request the following : That N.A.R. Inc. provides a full and accurate response to my requests for documentation and verification of the debt. 
That N.A.R. Inc. ceases adding interest or fees to the debt unless they can provide lawful justification for these charges. 
That the CFPB ensures N.A.R. Inc. 's compliance with the Fair Debt Collection Practices Act ( FDCPA ) and other applicable laws, including providing a timely and sufficient response to my dispute. 
That any negative reporting related to this disputed debt be removed from my credit report until the matter is fully resolved. 
Thank you for your time and attention to this matter. I look forward to your prompt assistance.