Consumer complaint received 2018-08-14 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NE

Complaint narrative:
Dishonest and unfair collection practices. Also, no follow through on dispute they stated they would initiate ( on XX/XX/XXXX and reconfirmed on XX/XX/XXXX ). Note : I filed a complaint with the XXXX   in the past week and they are allegedly putting my account in dispute and notifying the National credit Bureaus of this. I am filing this complaint with CFPB as I don't trust them and filing this complaint with CFPB was also advised by XXXX  in the letter they sent me end of XXXX, XXXX. National Credit Systems , Inc of XXXX GA. mailed me a letter in XX/XX/XXXX, claiming that they are collecting a debt for XXXX XXXX XXXX, XXXX, NE. Their letter stated that they reported my account to three national credit bureaus, would take legal action to collect, etc. Meanwhile XXXX  mailed me a letter notifying me that they received a report that added negative information to my credit file. On XX/XX/XXXX, I contacted a Rep at National Credit systems to find out what this collection was all about, since it was XXXX XXXX that owed me and not the other way around. The Rep went over the fees I was being charged ( {$650.00} total ) and every entry, except one ( {$50.00} fee for utilities from the time I vacated, XX/XX/XXXX, until new tenant took possesion the first week of XX/XX/XXXX ), were false. As I recall the rest was : {$72.00} for repairs I was never informed of by XXXX XXXX XXXX ( Note : My apt was left in pristine condition and I have photos to prove it ), {$280.00} for a prorated portion of XX/XX/XXXX, rent. ( at {$600.00} per month, that would have been for 14 days. However, the Apt was re-leased out the first week of XX/XX/XXXX ), {$240.00} for garage rental ( {$55.00} per month, apparently I was responsible to continue to pay the rent for it until re-rented or until the end of my apt lease, the end of XX/XX/XXXX. However, the garage was in need of repair, it was leaking, roof damage and gutters not cleaned out, and they never attended to it, so no surprise if they in fact were not able to re-rent it. Even if true, the figure would be incorrect ( would be {$210.00}, not {$240.00} ) I had already paid for the entire month of XX/XX/XXXX, so had a credit of {$26.00}, not sure where the other {$10.00} comes from. Besides, there was nothing in my contract that said that. The Rep also stated that my security deposit was forfeited as I " broke my lease '' so that would not be applied to my so-called " debt ''. Note : It was " constructive eviction '' and I was well within my rights to leave. Besides, as stated above the Apt was re-leased almost immediately after I vacated. I provided her with detailed information and she agreed to put my account in dispute. Meanwhile over a month had gone by since the dispute was filed and no word back. Also, I received yet another letter from a National Credit Bureau ( XXXX  ) about a report they received which added negative information to my credit file, dated XX/XX/XXXX. Prior to all this I had nothing negative on file for years, in fact, my credit score was in the lower 800s as of XXXX, XXXX. I was also in the process of re-negotiating my interest rate on credit cards and working out financing for my first home purchase. I am a self-supportive, senior citizen and have worked very hard for years to have excellent credit. My not paying this so-called debt has nothing to do with whether or not I can afford it. It has everything to do with my integrity and my refusal to submit to extortion for funds I do not truly owe. Further, I was able to locate the intial letter mailed to me last XX/XX/XXXX from XXXX XXXX XXXX and comparing this to what the Rep mentioned above told me, I was to be credited with my {$250.00} security deposit, there was no damage ( carpet cleaning was showed as a debit and a credit as it is normal wear and tear ) and there was no entry whatsoever for me to pay {$280.00} for 14 days of XX/XX/XXXX rent. Also, it should be noted that I filed a CFPB complaint on XXXX, when it should have been filed on National Credit Systems. XXXX investigated and were outright lied to by National Credit Systems, who  claimed the debt was correct and withheld the fact that the debt was in put in dispute as of XX/XX/XXXX. Also note, I specifically asked for a statement showing the breakdown of the debt when I first spoke to the Rep. She agreed to email it to me same day and when I called to follow up the next day, she made up some excuse as to why she couldn't email it to me and stated my account was in dispute, so I let it go.

Company response to consumer: Closed with explanation