Consumer complaint received 2022-02-11
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc. (FL)

Dear Consumer Financial Protection Bureau, I am contacting you about a Collection account that I have because of the lies of my ex roommate. I tried to dispute the collection with all 3 credit companies, but only XXXX proceed with my complaint, I really hope to get justice and remove this collections from all my accounts. 

Everything started when the COVID-19 hit and I started working remote from my room. My ex-roommate- XXXX XXXX made sure to make my life intolerable by singing, putting loud music at night ( after XXXX am ) and smoking. Not only I, but also our neighbours were complaining to the apartment complex managers. I have proof of many emails I received from XXXX XXXX stating there are complaints of noise and smoking coming from our apartment. I talked to XXXX several times, asking not to make noise after XXXX, as I needed to wake up early and work, but after that she continued same way she did before. After 2 months of sleepless nights, I couldn't take it any longer, so I called XXXX XXXX apartment complex and told me I was leaving and needed to sign my name off the lease. XXXX denied my request, stating XXXX would need to find another roommate. XXXX immediately refused to get another roommate and told me to leave reassuring the plans to live in that complex another year. Trusting XXXX was my biggest mistake. After 4  months she told me she's getting married and leaving XXXX. She asked me to sign my name off the lease, which I did, and once again reassured me she would pay the whole lease cancellation and I don't have anything to worry about. 

XXXX was an irresponsible payer from the very beginning. I started received calls and emails from XXXX every month, saying she doesn't answer the calls or proceed with the payments. Each time I would contact XXXX and she would tell me she is about to pay. Shortly after, she started manipulating me to pay, threatening it would go to collections and harm my credit score. Back then, I had already lost my job due to COVID and was living on my saving, but I never wanted to have my credit ruined so I told XXXX debt collector, that I am eager to pay my half and have my name out of that debt. The debt collector didn't accept my offer, so I was powerless to do anything. XXXX XXXX didn't keep her word and stopped paying and the case was sent to collections. 

I am writing to you hoping you can understand the unfairness of the whole situation. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Since the very beginning, I was very responsible with all my payments and in a short time all my credit reports became excellent. My only and biggest mistake was trusting a person who totally let me down. I also feel very disappointed that from the very beginning XXXX wouldn't let me sign my name off the lease, although they knew I had difficulties living with my roommate. 

Also, please find attached the screenshots of the noise/smoking complaints from XXXX, my complaint to Florida Department of Agriculture and Consumer Services and , of course, XXXX XXXX XXXX endless lies and manipulations. 

Please kindly consider my complaint, I literally don't know what else I can do to deal with this injustice. 

Thank you for your understanding. 

Regards, XXXX XXXX