Consumer complaint received 2026-05-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MO

Complaint narrative:
Issue : Failure to validate alleged debt, improper collection practices, and failure to provide legally required itemization of rental charges Company Name : National Credit Systems , Inc. and XXXX Homes What happened : I am filing a complaint regarding an alleged rental debt that has not been properly validated and appears to have been improperly assessed and transferred to collections. Following my move-out, I did not receive a written, itemized statement of charges or supporting documentation within 30 days as required under Missouri law . On XX/XX/XXXX, approximately 44 days after my move-out, XXXX XXXX sent an email stating that a balance was owed. This communication was sent outside of the legally required 30-day timeframe for providing an itemized statement of move-out charges. Upon receiving this email, I responded and informed them that I had not received the required itemized statement within the legally required timeframe. I also requested confirmation of the mailing address where such documentation was allegedly sent. Additionally, the attachments included in the email could not be opened by either party, and no corrected or accessible documentation was subsequently provided to me. Despite my attempt to resolve the matter and obtain proper documentation, no valid itemization or supporting evidence was ever provided prior to the account being sent to collections. On XX/XX/XXXX, I sent a debt validation request via certified mail to National Credit Systems and XXXX XXXX using the address listed on my credit report and in the lease agreement. This correspondence was returned to me as undeliverable. On XX/XX/XXXX, I sent a second debt validation request via certified mail to both National Credit Systems and the registered agent for XXXX XXXX. On XX/XX/XXXX, the certified letter sent to the registered agent for National Credit Systems was also returned to me. To date, I have received no response from either the collection agency or the original creditor regarding my requests for validation and supporting documentation. On XX/XX/XXXX, I contacted XXXX XXXX by phone and was informed that they could not provide any documentation or assist with the matter because the alleged debt had already been sold to a collection agency approximately XXXX months after my move-out date. At no point was I provided proper validation or itemization of the alleged move-out charges prior to or after the account was placed in collections. To date, neither the collection agency nor the original creditor has provided : A copy of the lease agreement An itemized statement of move-out charges Proof of damages beyond normal wear and tear Documentation supporting the amount claimed Proof that the collection agency has legal authority to collect this debt The failure to provide a timely itemized statement as required by Missouri law , combined with the failure to validate the debt after multiple written requests, raises serious concerns regarding the legitimacy and accuracy of this alleged balance.

Company response to consumer: Closed with explanation