Consumer complaint received 2017-11-23
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (AL)

This is in response to a previous compliant, which was not resolved and marked CLOSED. SInce I was not able to reopen the CLOSED complaint, I am creating a new one. The previous compliant # was XXXX. 

MY COMPLAINT I am writing this letter in response to the letter received from National Credit Systems , Inc. on XX/XX/XXXX. In the letter the debt collector has mentioned that I owe {$820.00} to the XXXX XXXX in XXXX, IL. On XX/XX/XXXX, I sent out a debt validation letter to the mentioned company asking for the following documentations 1. Agreement with the creditor that authorizes you to collect on this alleged debt. 2. The agreement bearing my signature stating that I have agreed to assume the debt. 3. Valid copies of the debt agreement stating the amount of the debt and interest charges. 4.  Documentation containing the creditors signature and my signature indicating a routine inspection of the apartment unit was completed in presence of both the parties. 5.  Documentation showing the validity and necessity of the charges that were applied on my account. 6. Proof that the Statute of Limitations has not expired. 7. Complete payment history on this account along with an accounting of all additional charges being assessed. 8. Show me that you are licensed to collect in my state ; and 9. Your license numbers and Registered Agent National Credit Systems , Inc. has failed to respond to my letter with all the necessary proper documentation. They sent me few documents such as the lease agreement between the XXXX XXXX and myself, Invoices and Move-In/Move-Out Inspection document. Over here I would like to mention the XXXX XXXX in XXXX is charging me for the replacement of the carpet for the entire unit, which I rented and stayed for 1 year. I have mentioned in a letter to National Credit Systems , Inc. dated XX/XX/XXXX, that the charges that XXXX XXXX has made is unethical and does not comply with the lease that XXXX XXXX and myself have signed before moving into the apartment. After moving out of the XXXX XXXX, I had exchanged emails with the authorities at XXXX XXXX and they have shared several pictures of the carpet. I would like to raise few points over here, based on the email communication between XXXX XXXX and myself and the lease document, invoices and inspection document received from National Credit Systems , Inc. 1. Pictures of the carpet with no stain The pictures of the carpet provided by the XXXX XXXX, shows there were no stain or mark in the carpet for which the entire carpet need to be replaced. A regular vacuum or a steam vacuum would have cleaned the carpet and made it look new. I want a proper justification on why the entire carpet was replaced when it was not at all necessary. Replacing the entire carpet, when that is not needed, and charging the amount back to the previous renter is an unethical practice, which need to be dealt with properly. 2.  Carpet life The life these kind of carpets are usually 5~6 years. It can be seen in the email from XXXX XXXX  that the carpet was replaced just prior to my move to the unit. Based on that, the carpet had about 4~5 years of life left on it. Also going by the pictures taken by XXXX XXXX representatives, the carpet is in a pretty good condition which does not require a full replacement. This also indicates unethical practices conducted by the XXXX XXXX. 3. Inspection was not done in front of me, no signature Based on the documents provided by National Credit Systems Inc. there is a Move-In/Move-Out report which needs to be signed by both the parties to accept the damages done to the unit, which requires replacement or cleaning. It can be seen from the document that my signature was not present in the document. The Move-out inspection was not done in front of me. XXXX XXXX never invited me for a joint inspection. A joint inspection is an absolute necessary in this matter, because we will never be able to find out any intentional damage done by XXXX XXXX to get the replacement cost from me. 4. Normal wear and tear Based on the City of XXXX renters lease guidelines, a normal wear and tear that happens due to living in the unit during the lease tenure is acceptable. Over here from the pictures that were given to us by XXXX XXXX, we could not see any damage on the carpet apart from normal wear and tear that can happen while staying in the unit. I am sending this letter to raise unethical practices conducted by the XXXX XXXX in XXXX. I also demand if either XXXX XXXX, XXXX or National Credit Systems , Inc. are not able to clarify my concern, the debt amount be removed from my credit file in all 3 credit bureaus immediately. For any other concern or question, please reach me at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX COMPANY 'S RESPONSE ( NCS ) This is National Credit Systems , Inc. ( NCS ) response to the complaint filed with your office by XXXX XXXX I would like to point out that National Credit Systems , Inc. is only a third-party debt collection agency that is collecting a debt on behalf of XXXX XXXX. XXXX XXXX is disputing this debt because of the charges accessed to him by XXXX XXXX. These charges were not accessed by NCS. XXXX XXXX 's dispute is with XXXX XXXX. That is the original creditor who owns this debt and placed it with NCS for collections. Obviously he and XXXX XXXX do not agree with each other. Since there is an on-going dispute between XXXX XXXX and XXXX NCS will cease our collection activity until the dispute can be resolved. I hope that the above response will provide your office with the information you are seeking. Please contact us with any additional questions MY COMPLAINTS WHICH NEED TO BE ADDRESSED IMMEDIATELY - This issue is not resolved and I can not deemed it to be CLOSED. The company National Credit Systems ( NCS ) has indicated in their comment that, there is an ongoing dispute between the XXXX XXXX and myself. They have also indicated that NCS is just a collection agency and they will cease any attempt to collect the debt until the dispute between XXXX XXXX and myself is resolved. Going by their response, I have following concerns - 1 ) NCS has no right to put the collection on my credit file with 3 credit bureaus. I want NCS to immediately remove those collection from my credit file with 3 credit bureaus. 
2 ) I want NCS to issue a written letter to address, they have cease all attempts to recover the debt unless the dispute is resolved. Also they need to issue a written letter that all the collections will be removed from my credit file with immediate effect. I want them to issue a hard letter and mail it to my address. 
3 ) I want punitive damages from NCS. Without investigating the validation of the debt NCS has put up this collection on my credit file. That has cause significant damages to my credit history. Which in turn has increased my APR for Auto loans and Credit Card.
I will only consider this case to be CLOSED after the above 3 issues are resolved.