Consumer complaint received 2025-12-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Law Office of Brett M. Borland, P.C.
State: GA

Complaint narrative:
I previously filed CFPB XXXX complaint against XXXX XXXX XXXXXXXX for violating my rights under the Faid Debt Collection Practices Act. I was not made aware of Debt via phone or mail and only knew of debt through credit bureau alert. The XXXX XXXX @ XXXX owed me a credit of {$900.00} security deposit and {$480.00} credit for changing move-in date. I immediately cancelled lease after signing due to bug infestation. I recorded myself returning keys and providing forward address to property. The rental office rep stated I would be responsible for fee for breaking lease and my credits would apply to fees owed. National Credit Systems never gave me the chance to dispute this debt before placing on my credit report. 


I received a notice demanding debt from the Law offices of Brett Borland, P.C., on XX/XX/year>. I sent a certified letter to the attorney office on XX/XX/year> advising amount of debt is incorrect, my rights under the Fair Debt Collection Practices Act were violated and requested original documents of debt. On XX/XX/year>, at XXXX, I called the law offices of XXXX XXXX and spoke with XXXX XXXX XXXX confirmed that National Credit Systems sent a bill to the wrong address. He stated that they did not have my address so they sent bill to the property that I vacated, and the post office should have forwarded the mail. I tried explaining that I had video showing that I gave property my forwarding address and immediately cancelled lease, so I didn't need to forward any mail. XXXX XXXX interrupted and stated " Look, you got our letter didn't you? '' XXXX XXXX offered to settle bill for {$960.00} since I stated the property owed me monies. I agreed to the terms. I also requested a courtesy deletion based on not being notified of debt and incorrect amount. XXXX XXXX stated the office only does courtesy deletions for extreme circumstances. I explained that I have been unable to obtain housing due to this inaccurate debt. XXXX XXXX agreed to the courtesy deletion. I asked XXXX XXXX if his office would honor our agreement and he stated, " We are on a recorded line, if I was not going to honor this agreement, I would not have offered. '' XXXX at XXXX, I spoke with XXXX at the law offices of XXXX XXXX P.C. , I made an over the phone payment with XXXX in the amount of {$970.00}. This included the amount to satisfy debt {$960.00} and processing fee of {$12.00}. I asked XXXX about a receipt for payment, and he advised that they only provide a payment code. I asked about letter of satisfaction, explaining that I needed letter to obtain housing. He advised me to call back in XXXX hours. I also asked how long before his office would do a courtesy deletion. He explained that he did not see the request from XXXX XXXX, but he would add the request on my behalf. 

On XX/XX/year>, the Law offices of Brett Borland P.C. reported to all credit bureaus that I paid {$960.00} and still owe a balance of {$410.00}. XXXX XXXX XXXX provided me with a letter of satisfaction stating I still owe {$410.00}. XXXX XXXX XXXX website reflects that I still owe {$410.00}. On XX/XX/year> and XX/XX/year> I made XXXX calls to office of Brett Borland and spoken with XXXX rep. They insist the line showing balance owed is how much I saved. The last rep yelled at me to the top of her lungs, without allowing me to explain that my credit reports show balance owed. The Law office committed fraud and did not honor our agreement. 

I have added as proof, letter satisfaction letter with balanced still owed, screenshot of National credit Systems website, picture of collection letter from law firm, and under XXXX Statute O.C.G.A. 16-11-66 voice recordings with the office.

Company response to consumer: Closed with explanation