Consumer complaint received 2026-03-12 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I am disputing the balance of {$9400.00} that National Credit Systems , Inc. ( XXXX Account # XXXX ) is attempting to collect on behalf of XXXX XXXX XXXX in XXXX XXXX, Missouri ( Unit XXXX, Client Account # XXXX ). I have been disputing this debt for years, multiple times per year, and each time XXXX tells me I am wrong and continues collection activity. The amount being collected is incorrect due to contradictory and duplicate charges that violate the terms of my own lease agreement. THE CORE ISSUE DUPLICATE TERMINATION CHARGES : I am being charged two separate {$2400.00} fees for the same event ( moving out before the lease ended ) : A " Buy-Out Fee '' of {$2400.00} under the Lease Buy-Out Agreement addendum An " Insufficient Notice '' fee of {$2400.00} under Section 20.1 ( Reletting Expense ) of the main lease These two charges are mutually exclusive under the lease language. Section 20.1 of the lease explicitly states that the reletting expense " is not the same as a lease cancellation fee or buyout fee. '' The lease defines them as two separate remedies. Furthermore, the Lease Buy-Out Agreement ( Section 2 ) states that if the resident fails to comply with the buy-out conditions including providing 60 days written notice the buy-out is " automatically voided, '' and the resident becomes subject only to remedies under the main Residential Lease Contract. This means : If the buy-out was voided due to insufficient notice, the buy-out fee can not be charged because the agreement no longer exists. Only the reletting expense under Section 20.1 would apply. If the buy-out was valid, then I terminated under that agreement and there is no basis for a separate reletting expense. Charging both is contradictory and results in an overcharge of {$2400.00}. ADDITIONAL CONCERNS : The opening balance of {$3400.00} has never been fully itemized or explained to me despite repeated requests. I do not know what portion is unpaid rent, concession clawbacks, or other charges. I have never received a clear answer on whether the {$9400.00} balance includes accrued interest under Section 25.7 of the lease, which allows 18 % annual interest on unpaid balances. I have been disputing this debt with XXXX for years multiple times per year and each time I am told I am wrong. XXXX has never adequately addressed the contradictory lease provisions I have raised. They continue to collect on an amount that their own client 's lease does not support. This debt involves two co-tenants ( myself and XXXX XXXX ), and I have not been informed whether the other party is also being pursued for this balance or whether XXXX is attempting to collect the full amount solely from me. I am requesting that the CFPB require XXXX to provide a full written itemization of all charges, address the contradictory lease provisions cited above, and correct the balance to remove the duplicate {$2400.00} charge. I have the complete signed lease agreement and all supporting documentation available.

Company response to consumer: Closed with explanation