Consumer complaint received 2026-04-06 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: GA

Complaint narrative:
After vacating my apartment in XX/XX/XXXX due to active-duty Permanent Change of Station ( PCS ) orders, my lease was lawfully terminated in accordance with the Servicemembers Civil Relief Act ( 50 U.S.C. 3955 ). At the time of move-out, my account balance was paid in full ( {$0.00} ). A walkthrough was completed, and the unit was left clean with no damages beyond normal wear and tear. Following move-out, I was provided only a general ledger, which does not constitute sufficient documentation to support any charges. I was never provided an itemized bill, vendor invoices, receipts, maintenance reports, or any documentation identifying specific damages, work performed, or associated costs. In XX/XX/XXXX, I submitted written requests to both the apartment complex and the debt collector requesting validation of this debt, including a full itemization of charges and proof of damages. No response was provided. I later contacted the debt collector directly and was informed that the debt had been verified through the apartment complex ; however, no documentation was provided. I was also told that these charges are standard and that tenants are responsible for turnover-related costs such as cleaning, painting, and carpet cleaning. These assertions are not supported by the lease agreement. The relevant lease provisions clearly limit when charges may be assessed : Lease Cleaning Charges ( Section 49 ) : If you dont clean adequately, youll be liable for reasonable cleaning charges. This provision does not authorize automatic cleaning fees and only permits charges if the unit was not left in an adequately clean condition. Lease Security Deposit Deductions & Other Charges ( Section XXXX ) : Youll be liablefor repairs or damages caused by negligence, carelessness, accident, or abuse This provision allows charges only for actual damages beyond normal wear and tear and does not authorize routine turnover fees such as standard painting, carpet cleaning, or general cleaning. Lease Move-Out Inspection ( Section XXXX ) : Any statements or estimatesare subject to correction, modification, or disapproval before final accounting. This requires that any final charges be supported and properly documented. No such documentation has been provided. Additionally, the lease references Florida Statute 83.49, which governs security deposit claims and requires landlords to provide proper written notice of any claim and supporting documentation. This statute also distinguishes between normal wear and tear and actual damage. These requirements were not followed. Because this lease was terminated under the Servicemembers Civil Relief Act due to XXXX XXXX PCS orders, any charges associated with the termination must comply with federal law. Under SCRA, service members are protected from improper charges related to lawful lease termination. The inclusion of unsupported or automatic turnover fees in connection with a protected military termination raises serious legal concerns. Despite the lack of documentation and failure to validate the debt, this account continues to be reported on my credit file. Notably, this same account was recently disputed by a co-obligor, and the tradeline is no longer reporting on their credit reports, raising further concerns regarding the accuracy, consistency, and verifiability of this account. Under the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ), furnishers are required to report only accurate and verifiable information. Reporting a debt without providing documentation or responding to validation requests does not meet this standard. Because this debt is unsupported, unverified, inconsistently reported, and includes charges not permitted under SCRA or the lease agreement, I am requesting an immediate investigation and deletion of this account from all credit reporting agencies.

Company response to consumer: Closed with explanation