Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
Around XXXX of XXXX, my XXXX  years son, a freshman student at XXXX XXXX XXXX XXXX XXXX Georgia rented a one bedroom apartment from XXXX XXXX for {$1800.00} a month. The apratment given to my son was located in a building facing a dangerous creek with wide animals and thick forest. My son was born and raised in XXXX XXXX, never lived close to a highly forest creeks with wide animals. XXXX XXXX ( apartment manager ) told my son that that apartment was the only one available for him, my desperately rented the apartment to enable him start school the next week. 

My son was living alone in the entire building, the only one strange guy he sometimes sees around did not look normal, that this stranger would stare at him without saying a word to him. My son called me severally reporting feeling unsafe in the apartment and the entire building facing a creek and the noisy highway XXXX. My son reported overwhelming XXXX, XXXX and XXXX, poor concentration in class. My son has no friends, cried every day to the property manager to transfer him out, but XXXX XXXX refused his request. 

I visited my son on XXXX first to verify his complaints, and it was real. I spent just one night with my son in that apartment. I could not sleep, the freeway noise, the creek, wide animals, I took videos of Deers, and raccoon running around in front of his apartment doorstep which faced the creek. My son 's apartment was an in-lock apartment in the basement of the empty building XXXX 

The next morning I took my son to the apartment manager, XXXX XXXX, explained the entire situation to him, requested to transfer my son to a safer build and apartment, XXXX XXXX refused. He said that a transfer fee is needed. I agreed to pay the {$500.00} transfer fee. Still XXXX XXXX said that my son must spent another 30 days in the unsafe apartment before he could process his transfer. 

I did my best to explain to XXXX XXXX that his request is very unsafe and my son will not spend another night in such an unsafe place. XXXX XXXX threatened that if my son breaks his lease that he would come after him. I made several and reasonable attempts to speak with other managers within the management team, but was unsuccessful. 

Unfortunately, it was not an option to leave my son behind, coming back to CA. Therefore I moved my son to a hotel for another 3 weeks before he found another housing where he has lived for 4 years without breaking their lease. 

OF NOTE : My son paid for XXXX, XXXX, and XXXX rents. He left the apartment on XX/XX/XXXX, XXXX days after he paid his XXXX rent, plus his security deposit which was not given back to him. So XXXX XXXX kept my son 's XXXX rent, and his security deposit, and in addition asking my son to pay XXXX rent when my son left the apartment on the XXXX day of XXXX. We told XXXX XXXX that it is unfair to collect 2 months of rents, plus my son 's security deposit. XXXX XXXX reported my son to National Credit System for collection for {$2000.00}. Which reflects on my credit report because I cosigned for my son for that lease. 

I have filed a dispute through XXXX  without any success. Therefore, I am pleading that CFPB to kindly look in to my matter. I need this collection be removed from my credit report because of the unfairness in the matter. XXXX victimized my son because he was a minor at the time.

Company response to consumer: Closed with explanation