Consumer complaint received 2024-03-20
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc. (TX)

I am writing to file a formal complaint against National Credit Systems , Inc. ( NCS ) regarding their egregious debt collection practices pertaining to an alleged debt falsely attributed to my name. Below, I outline the details of my complaint, exposing NCS 's flagrant violations of legal mandates and their unabashed disregard for consumer rights.

Complaint Details : 1. Misleading Statements in Documentation : NCS provided as a response to my first CFPB complaint ( XXXX ) purported " Statements of Security Deposit Accounts '', seemingly originating from XXXX XXXX XXXX, citing a debt in different amounts. However, these documents lack transparency, presenting incongruent amounts across various iterations without providing a coherent breakdown of the alleged debt. Furthermore, the statements bear no signatures and misleadingly assert, " This is your final statement, '' implying a conclusive relation to my residency, despite multiple versions being presented. Such deceptive tactics are wholly unacceptable and demand immediate rectification. 

2. Lack of Proof of Ownership : While NCS proffered a contract purportedly belonging to XXXX XXXX XXXX Partnership, it conspicuously omits any mention of The Retreat Apartments or XXXX XXXX XXXX. This glaring omission casts doubt upon NCS 's asserted authority to collect the debt in question and calls into question the veracity of their claims. The absence of explicit documentation authorizing NCS 's involvement in debt collection further underscores the egregiousness of their actions and warrants decisive intervention.

3. Flagrant Disregard for Formal Requests : Despite NCS receiving two formal letters unequivocally demanding comprehensive debt validation and legal documentation, NCS has brazenly flouted their legal obligations by failing to furnish adequate responses. My initial communication on XX/XX/2024, meticulously delineated the requisite information sought, yet NCS neglected to provide a substantive reply within the stipulated timeframe. Subsequent reminders on XX/XX/2024, reiterated these demands, yet NCS remains obstinately silent, betraying a blatant disregard for legal protocol and consumer rights.

4. Unsubstantiated Resolution Offer : NCS audaciously extended a resolution offer via mail, proposing a XXXX % discount without furnishing requisite debt validation or legal documentation. This overture, devoid of any substantive basis, reeks of bad faith and serves only to exacerbate the confusion surrounding the debt collection process. NCS 's failure to substantiate their claims and engage meaningfully with my formal requests underscores their cavalier attitude towards legal compliance and consumer rights. 

Response to NCS 's Statement : In response to my initial complaint, NCS brazenly asserted their collection of the debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ), providing purported documentation to substantiate their claims. However, the nebulous nature of the provided documents and the absence of explicit authorization for NCS 's involvement in debt collection cast profound doubt upon the validity of their assertions. Furthermore, the incongruities between the contract attributed to XXXX XXXX XXXX XXXX and the statements purportedly from XXXX XXXX XXXX only serve to deepen the quagmire of misinformation propagated by NCS.