Consumer complaint received 2026-03-05 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NEW WORLD COLLECTIONS, INC.
State: IN

Complaint narrative:
I leased with XXXX XXXX XXXX and had a horrible experience with the landlord. Within my first month, I discovered mice. I complained about it constantly and was the only XXXX tenant. I was then harassed by the landlord with surprise tours and texts to turn my music down. The white neighbors were loud, smoked, and collectively complained about me without ever knocking on the door, leaving a note or saying anything. I was blamed. When he sprung another morning tour on me at XXXX, I taped a note on my TV about the mice, the heat issues and scammy landlord. He sent me an angry voicemail the next morning cursing and throwing a tantrum. He further made up random fees and lied about amounts after I moved out. In XX/XX/XXXX, I received a collections notice about my lease that ended in XX/XX/XXXX. This was my first notification of owing anything. On XX/XX/XXXX, when I reached out directly to the creditor they provided random sums on a pdf sheet amounting to {$1200.00}. The landlord ( who even tried to sneak a paint fee in the lease, he crossed it out when I brought it up ) is unethical and I suspected his totals were inflated. On XX/XX/XXXX, I informed the creditor their sums were incorrect and requested an itemized list showing exactly how they got their sums. On XX/XX/XXXX, the creditor sent me a revised document ( dated XX/XX/XXXX, clearly aXX/XX/XXXX) clarifying the amount to be {$1200.00}. They then said they would not further discuss the account. The amount was still wrong and they were lying and making up dates at this point. Due to the way my lease was handled, the behavior of the landlord and the creditors inability to provide their debt calculations, I repeatedly disputed the debt on my credit report. Amazingly, without proof, it was and has been reverified each time by New World Collections ( NWC ). It is unfair and it is hurting my credit. On XX/XX/XXXX, I called and asked that NWC reach out to the creditor to get an itemized list with calculations of the debt and not a blank page with totaled numbers for each month. I gave XXXX, ( who is also a XX/XX/XXXX) my email address and she told me she would send me the calculations but only if I could prove that I paid the debt or did not owe it. I repeatedly told her it did not matter because the amounts were made up. She did not listen and talked over me the whole call. I was ignored and she never sent me what I requested. On XX/XX/XXXX, the account was listed as closed on my credit report with an amount of {$1000.00}. I continued to dispute it and swayed from getting back on the phone with XXXX due to her previously XX/XX/XXXX and being unreasonable. On XX/XX/XXXX, the account was listed as open with a balance of {$960.00}. I continued to dispute this as well and added a note on my credit report about them not providing their calculations of the debt. On XX/XX/XXXX, I called NWC again and spoke with XXXX. I requested again an itemized list with calculations and not base, made up amounts. When I asked why the amount kept changing and why the account kept opening and closing, she told me the creditor had miscalculated my late fees and that the credit agencies were in charge of opening and closing the account and this was not in her control. I also stated I would be settling the account since it was still wrong. She then stated NWC does not do settlements because they do not buy the creditors debt. Clearly, debt collectors buy debt and report to credit agencies. More lying. XX/XX/XXXX is a client of NWC who obviously bought the debt and is in direct control to settle accounts and report to credit agencies. On XX/XX/XXXX, I emailed NWC and told them the amount was still wrong and that I was not paying a debt that had been changed so many times but reverified along the way since early XXXX. I told them the debt, {$960.00} was still inflated due to the so called unpaid rent in the month of XXXX. The original creditor had my rent ( {$570.00} ) in their possession since the beginning of my lease as a security deposit. The whole purpose of the deposit is for back rent or damages. ( Permitted by XXXX XXXX ) I informed the original creditor that I would be using my deposit as the last months rent as the unit was left in pristine condition. Which I also documented. The original creditor can not show any damages or display any actual costs they suffered that would amount to the fees they are imposing. I do not owe them anywhere near {$930.00} and the inflated late fees and NSF fees are in violation ofXX/XX/XXXXXXXX. The debt still does not make sense. Neither the debt collector nor the creditor can tell me with confidence what I owe and it took them nearly a year since my original request in XX/XX/XXXX to provide calculations. Still it was reverified as accurate over and over again. I also asked to be provided and pay to delete agreement if I chose to pay what I actually owed. I am so over the lying and falsifications of debt NWC and the creditor keep producing. The constant opening and closing of the account, dishonest verifications, and no investigations being conducted into my disputes. Had I paid this debt in XX/XX/XXXX, I would have paid a falsified debt. My last email to XXXX about the incorrect debt and an agreement has gone unanswered and I am suffering as a result of over a year of lying. Lastly, I was never sent any notice and was not notified of any debts within XX/XX/XXXX days of the end of my lease. I honestly dont think I should have to pay anything at all, but I remain open to settling and removing the account from my credit report for what is TRUE and reasonable in compliance with Indiana XXXX.

Company response to consumer: Closed with explanation