Consumer complaint received 2025-09-07 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: TN

Complaint narrative:
I am writing to formally dispute the balance reported to collections by National Credit Systems regarding the former lease at The Retreat at XXXX, which I strongly contend is not valid or owed. This balance appears to be the result of a wrongful lease termination initiated by the property management after I was falsely accused of assault by members of their staff. Additionally, There has been no judgment for this amount and this debt has not been validated. Multiple contact attempts has been made by myself and my legal representation with no response to multiple phone calls and voicemails left over the last XXXX months. 

A month after this false report, I received a Termination of XXXX notice and was forcibly removed from the property under circumstances that were retaliatory, deceptive, and legally questionable. I was given no due process, and no opportunity to respond to or refute the false allegations before any proper investigation had been completed by the XXXX Police Department. The decision to terminate my lease been made was based solely on a premature written police report and false statements submitted by the property XXXX and leasing agent. 

XX/XX/year>, an investigation had been opened by an XXXX of the XXXX Police Department. Following a thorough investigation by XXXX XXXX XXXX several critical findings were found : XXXX. The leasing agent, admitted to making a false statement in her original report and confirmed that our encounter was strictly verbal. She acknowledged during follow-up questioning that I never threatened nor physically touched the property XXXX, and that our interaction was purely verbal. 
XXXX. The property XXXX, falsely claimed that surveillance footage existed to support her allegations. This was later confirmed by XXXX XXXX to be untrue no such footage exists. 
XXXX. Due to the leasing agents, false statement to authorities, she was determined to be an unreliable witness, undermining the credibility of the entire accusation made against me. 
XXXX. No criminal charges were filed against me, and I was cleared of any wrongdoing. 
As a result of these findings, the XXXX Police Department did not charge me with assault, and the investigation was closed without any criminal charges filed. 
This series of events demonstrates a gross mishandling of due process, defamation of my character, and retaliation through termination of my lease, based on misleading and later-discredited testimony. 

Despite these findings, I have been left to suffer the consequences of a wrongful lease termination based on false testimony. 

For these reasons, I maintain that I am not financially obligated to pay the balance reported by the collection agency. The charges stem from a wrongful lease termination that was prematurely and unjustly carried out by the XXXX XXXX XXXX, based solely on false allegations made by their staff. These allegations were never substantiated and were ultimately dismissed following an official police investigation that found no grounds for legal action. The lack of due process, absence of supporting evidence, and unjust disruption to my tenancy make it clear that any resulting balance is not valid or enforceable. I respectfully request that this matter be resolved in my favor and the collection account be removed from my record in full.

Company response to consumer: Closed with explanation