Consumer complaint received 2025-10-08 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Company Information : Company Name : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Address : XXXX XXXX XXXX XXXX, XXXX, AZ XXXX Phone : ( XXXX ) XXXX Issue : Debt collection Attempts to collect debt not owed Sub-issue : Debt was result of identity theft or fraud / Debt is not mine Date of Issue : XX/XX/XXXXXXXX  ( when contacted by debt collector ) Amount : {$3800.00} or more ( exact amount unclear - creditor refuses to specify ) Complaint Description : WHAT HAPPENED : I am being pursued by a debt collector for an amount I already paid to the original creditor. The creditor confirmed receipt of my payment in writing, then sent my account to collections three months later without notice or explanation. 

DETAILED TIMELINE : Background : I was a tenant at XXXX XXXX XXXX  from XX/XX/XXXXXXXX  to XX/XX/XXXX. I terminated my lease early with proper 60-day notice and paid all rent through my move-out date. 

XX/XX/XXXXXXXX  : I received a move-out statement showing I owed {$3500.00} total ( including {$3800.00} concession repayment, minus {$500.00} security deposit, plus {$150.00} utilities ). 

XX/XX/XXXXXXXX  : Property Manager XXXX XXXX emailed me stating : " You can provide a cashier 's check or money order made out to XXXX XXXX with your unit number on it, and we will get your account satisfied. '' She instructed me to pay {$3800.00}. 

XX/XX/XXXXXXXX  : I delivered a cashier 's check for exactly {$3800.00} to XXXX XXXX as instructed. 

XX/XX/XXXX : XXXX XXXX confirmed via email : " Received and applied to your account, thank you! '' XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX : I received NO communication from XXXX XXXX about any outstanding balance. I reasonably believed my account was fully resolved. 

XX/XX/XXXX : I was contacted by a debt collection agency claiming I owe money to XXXX XXXX. This was the FIRST notice I received of any alleged debt. 

DISPUTED DEBT - REASONS : 1. I already paid what the creditor told me to pay : Creditor instructed me to pay {$3800.00} I paid exactly {$3800.00} Creditor confirmed " received and applied to your account '' Creditor said this payment would " satisfy '' my account 2. Creditor refuses to validate the debt : I sent detailed written disputes requesting : What amount they claim I owe now Proof my {$3800.00} payment was applied to my account Itemization of any additional charges Documentation of mitigation efforts ( required by Arizona law ) The creditor has refused to provide ANY of this information. Their only response was to tell me to " get a lawyer. '' 3. Creditor appears to be double-billing : The creditor claims I owe charges under two separate documents : " Buy out addendum - {$3800.00} '' " Concession addendum - {$3800.00} '' However, they have only provided ONE document describing ONE {$3800.00} charge ( a rent concession I received at lease inception ). 

They appear to be attempting to charge me {$3800.00} TWICE for the same concession by calling it two different names. 

XXXX. No notice before sending to collections : Last communication : XX/XX/XXXXXXXX  ( confirmed payment received ) Sent to collections : XX/XX/XXXXXXXX  NO communication between XXXX and XXXX about any alleged debt No statement, no demand, no notice Violates basic fairness and possibly FDCPA notice requirements 5. Creditor failed to mitigate damages ( state law violation ) : Under Arizona Revised Statutes 33-1370 ( C ) and the lease contract, the creditor has a mandatory duty to : Re-rent my former unit Credit me for ALL rent received from any new tenant They have provided ZERO documentation showing whether my unit was re-rented or what rent they collected from a new tenant. 

My unit was a luxury apartment that I vacated in XX/XX/XXXXXXXX  ( XXXX XXXX XXXX ). If it was re-rented ( which it likely was ), the creditor would have collected approximately $ XXXX {$13000.00} from a new tenant for XXXX XXXX. 

After applying mandatory mitigation credit, I would owe {$0.00} or the creditor would owe me money. 

WHAT THE DEBT COLLECTOR IS DOING : Debt Collector Name : [ Insert name if you have it - if not, write " Name unknown - will update when received '' ] The debt collector has : Contacted me about a debt I already paid Failed to provide validation despite my written dispute Continued collection activity on disputed debt Failed to investigate the dispute with the original creditor FDCPA VIOLATIONS : 15 U.S.C. 1692g - Validation of debts : I disputed the debt in writing Neither the creditor nor collector has provided validation Validation would require proof that : My {$3800.00} payment was not properly applied, OR Additional charges exist beyond what was disclosed, OR Mitigation credit was properly applied 15 U.S.C. 1692e - False or misleading representations : Collecting on a debt that was already paid Claiming I owe money when creditor confirmed account was satisfied Failing to disclose that creditor has not validated the debt 15 U.S.C. 1692f - Unfair practices : Attempting to collect an amount not expressly authorized by agreement Collecting from me while also collecting rent from new tenant ( double recovery )

Company response to consumer: Closed with explanation