Consumer complaint received 2020-08-27
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc. (CA)

My name is XXXX XXXX. 

What happened is a collection agency named National Credit System located in XXXX, Georgia is erroneously reporting me as a collection account, firstly, to XXXX XXXX XXXX and more recently to the XXXX  XXXX XXXX. Also, I had requested that National Credit System not call me, however, I still received a call and a letter from National Credit System recently through their partner, XXXX XXXX XXXX XXXX XXXX, who used a ( XXXX ) telephone number to show up on my caller I.D . but the call actually was made from Georgia with a ( XXXX ) telephone number. 

Here is a summary of the illegal experience I am having with National Credit System ; this is just a collection agency scam for money not owed. 

Last year, I lived at an apartment complex named, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, GA XXXX. 
The apartment I rented is at : XXXX XXXX XXXX, XXXX, GA XXXX. 

My lease was for 13 months. I moved out on XX/XX/XXXX. 

I stayed there for the entire lease, gave a proper 30 day notice via email and paid about {$500.00} extra money to go on the month to month lease on my last month living there, since I did not want to sign another year long lease. 

The day I moved out, I handed the keys to one of the maintenance crew. 
About an hour after I left for good, XXXX XXXX, the Assistant Manager, emailed me asking if I were moved out of the apartment. 
I said, " yes ''. 

So, around XXXX of this year, XXXX, about when the Covid 19 pandemic began, I received a telephone call from a bill collector in XXXX stating I owed approximately {$1600.00} to XXXX XXXX XXXX. 

I informed the bill collector that I was all paid up at XXXX XXXX XXXX. After all, even after I moved out, XXXX XXXX XXXX never sent a statement of owing or any type of bill to me. I received nothing from XXXX XXXX XXXX in terms of a bill. 

My address was forwarded through USPS, my email stayed the same and my telephone number has not changed. 

The State of Georgia allows five days for a landlord to claim a renter owes money after the lease is over and the tenant has moved out. I never received any communication about an outstanding bill from XXXX XXXX XXXX. 

A few times I tried to call XXXX XXXX, the apartment complex 's assistant manager but I was constantly being told she was out to lunch whenever I called to speak to her about this problem. 

A few weeks ago, I applied to rent an apartment here in XXXX XXXX where I now reside. I was told I am denied because I am on the " XXXX XXXX '' for a collection for {$1000.00} from a previous apartment I lived at. 

Upon calling and checking my XXXX XXXX XXXX  report, I was told that National Credit System is currently reporting me as owing XXXX XXXX XXXX  approximately {$1000.00} in a collection status. 

A XXXX  search on National Credit System reveals this so called " collection agency '' has over 300 plus consumer complaints through the XXXX XXXX XXXX. 

At that point I had no idea about why I owed any money to XXXX XXXX XXXX On XX/XX/XXXX, I received a call from someone named, Mr. XXXX from XXXX XXXX XXXX XXXX XXXX stating the apartment complex, XXXX XXXX XXXX had removed the collection account from National Credit System and has now placed the same collection with XXXX XXXX XXXX XXXX XXXX. Mr. XXXX told me if I paid he would remove the collection from the credit bureaus. 

So, at this point, I asked Mr. XXXX, why I owed money to XXXX XXXX XXXX and to account for the amount of {$1000.00}. 
Mr. XXXX said I owed {$85.00} in rent and {$940.00} for not giving XXXX XXXX XXXX a 60 day notice to vacate. 

However, my lease stated I only needed to provide a 30 day notice, which I did. 

I asked for their company 's address. He said their address is : XXXX   XXXX XXXX, XXXX, GA XXXX. He said their telephone number is ( XXXX ) XXXX. However, the caller I.D . on my cell phone showed a California number of XXXX. 

After I kept asking questions, Mr. XXXX threatened a new collection action and hung up the telephone on me. 

However, right before I received Mr. XXXX ' phone call, XXXX XXXX XXXX assistant manager, XXXX XXXX emailed me stating I should contact National Credit System for more information. Up until that point, XXXX XXXX kept refusing to tell me why I owed any money to their apartment complex. 

At the time I decided to move out of the apartment, I asked for guidance from a XXXX XXXX XXXX leasing office employee named XXXX. 

I do still have the emails from XXXX, a leasing agent, at XXXX XXXX XXXX  stating to me in order for me to go on the month to month lease, I would need to pay rent of {$1900.00} instead of approximately {$1400.00} that I was paying for my 13 month lease. 

XXXX also stated to me in her email that I had to provide them with a 30 day notice, which I did. 

FTC : This is a totally bogus, made up fraudulent charge which is being reported on my 1 ) XXXX Credit Report and 2 ) my XXXX  XXXX XXXX  report. 

National Credit System, XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  are holding my credit report and XXXX XXXX reports as hostages and trying to force me to pay a ransom of {$1000.00} for a scam, a bill I do not owe. 

I absolutely have no knowledge as to the legitimacy of this so called collection and simply put, I do not owe them a thing. 

I have asked National Credit System for validation of this collection. I have not received any type of validation. I have not seen my name on any agreements stating I agreed to any charges from these companies. I have not seen a contract, I have not seen any legal statement or bill to claim I owe XXXX and my XXXX XXXX and  Credit report should suffer from it. 

This is a complete scam. 

I have attached 1 ) a copy of my lease from XXXX XXXX XXXX, 2 ) The collection letter sent to me from XXXX XXXX XXXX XXXX XXXX ( this letter was sent to me after I requested no more communication from them ) 3 ) My XXXX  Credit Report showing National Credit System placing a collection on my credit report for {$1000.00} ( 4 Communication between National Credit System and myself through the XXXX XXXX XXXX 5 ) An email communication between XXXX , a XXXX XXXX   Leasing consultant and myself-this email confirms my 30 notice to vacate as well as XXXX telling me on a month to month, 30 day notice is all that is required. 

National Credit System keeps saying they will " investigate '', however these collections remain on my report. Their actions violate FCRA because I do not owe any debt and they are using my personal information to pursue this scam and report inaccurate information to the credit bureaus. They know this is a false debt. 

FTC, thank you for your help.