Consumer complaint received 2024-10-26
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Systems,Inc. (FL)

XXXXXXXX XXXX took adverse action against me and damaged my credit report in conjuction with National Credit Systems LLC and make a judgement, eviction and putted a debt in collection of {$7100.00} for rental leasing apartment XXXX.i never received a notification by mail on the address that I left XXXX XXXX XXXX XXXX # XXXX XXXX, FL, never received a debt letter nor a payment agreement letter. XXXX House failed to notified me that the property is all wood construction, there are no any part in their website neither in the leasing contract that informed me about the construction type. Also the administration intentionally violated my tenants 's rights when turned off the air condition for the missed payment of XX/XX/year>, I have notified in more than 3 ocassions that the AC is not working, they went 3 times to performed maintenace just putting wet/dry on XXXX pipes to remove water residue and change filter, but the AC was turned off in the equipment breaker at the roof, this action is illegal and attempted to my life safety because caused that I did not have AC in the most hotter months of the year and temperatures inside the units were more than XXXX degrees during the nights, more higher during the day, also caused the water of the pipes falls at the top of the water heater where is the electrical connection located. I was forced to moved and use the money to pay deposit, afministration and other rental fees and rent to another place. After that I received a changed on one of my credit cards of XXXX XXXX and received a call from them that they have one package, that I knew that was received in XX/XX/year> and they took it and holded until XX/XX/year> pretending that I still receiving correspondence there, and it was not correct. Also, I knew that they rented/leased the apartment XXXX XX/XX/year>, the lights inside the apartment, the curtains were different everyday and have belongings of another person in the balcony. They took the deposit and did not accredited anything to the account, they filed the eviction, after they requested me to deliver the keys on or before XX/XX/year>, and I did. Also, I requested to changed to a unit of 1 bedroom, same unit that I have requested when paid the deposit and signed the contract, then they intentionally changed and said that they did not have1 bedroom units available. The administrator assistant went to the apartment, and I have requested a key chage due to someone is entering to the unit without my concern and they give me the keys that have on the office and requested me the copies that I have, all these without changed the core of the lock, they pretended that I did not know about how to change a lock, they did not paid attention that I havecreported that I am an engineer, they clearly discriminated against me per gender, national origin, I also notified that I was a XXXX XXXXXXXX survivor. I never received the eviction notification to respond and defend myself and to dispute the debt. They forced me to move when they turned off my AC, and putted my life on risk to soffocation and electrocution when water from AC pipes falls on top of water heater where electrical connection is located. I received a call from a male yieling me and exigency of the payment on XX/XX/year> threaten me to sue me and damage my credit. I notified the XXXXXXXX XXXX XXXXXXXX and have requested 1 bedroom unit due to the unavoidable and suddenly termination of my contract in VA, and the administrator assistant replied that she needs to review my paystubs again to qualified me, there I knew that they intentionally kicked me out and forced me to move because I will loss my job in a nearly future, and that was not fair because I request to canceled the contract without the penalty because is not my fault to be terminated either is not my fault that they intentionally turned off the ac to forced me to move and did notified me about property wood construction in hurricane season to intentionally charged me the penalty of two rental months payment and in that way always win and damaged my credit without provide me solutions to resolve the situation in a win win for both parties. She also threatened me when she told me is better that you moved now because after this you could not move to any other place and indeed no one approved me another leasing and/or loan for the damages that they did on my credit report all these too conveniently for them only. I would like to request 6 months moratorium on payments as a survivor of declared disaster Hurricane Milton. I did not owed them the amount that they reported, they could cancel the contract because is not my fault that they turned off the AC, is not my fault that the attempted and putted on risk my life, is not my fault to be terminated by my former employer, is not my fault that they did not informed in anyway that the property is All wood construction, and it will not be safe in hurricane category 2 to 5, they not properly notified in their website, nor in their promotion, they did not notified in the contract that the property is all wood construction, is not my fault and they are requesting me to pay for forced me to move. They did not notified me any eviction notification to properly responds and dispute the debt, they threatened to damaged my credit report and they did also charging with a penalty of additional 2 months, that I did not use or lived the property. Their maintenance employees laughed at me when they saw me in the hallway and elevator, they took my credit card correspondance and requesting credit line increase and changed due date without my concerned. They have my mailing address and they did not send any communication too conveniently for them.