Consumer complaint received 2024-12-20 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
Complaint Explanation : I am submitting this complaint regarding the actions of XXXX XXXX, whose practices I believe violate the Fair Debt Collection Practices Act ( FDCPA ). Additionally, I want to provide context about my financial and personal circumstances, which have contributed to the challenges in addressing this matter. 

Debt Collection Concerns : XXXX XXXX opened a collection account on XX/XX/year>, for an amount of {$11000.00}. I was never contacted about this debt prior to its opening. On XX/XX/year>, I formally requested validation of the debt, but to date, they have not provided adequate documentation to confirm its legitimacy. 
Instead, their actions have been misleading and unhelpful. They attempted to switch me to a different solo bedroom apartment, but then denied the switch, citing that my credit was not up to par. This left me in a precarious financial situation, unable to address the debt and unsure of my rights. I have email documentation confirming all communications with them. 

Personal and Financial Context : This situation was further complicated by issues with my former roommate, which created significant emotional and financial strain : On XX/XX/year>, my roommate remotely XXXX the WiFi in our shared apartment, despite knowing that I had paid for the service. She also changed the WiFi name to messages like " move out. '' On XX/XX/year>, she returned her mail key, effectively signaling she had vacated the property. 
On XX/XX/year>, she escalated the conflict by filing a XXXX XXXX XXXX ( XXXX ) against me. 
These events forced me and my dog to move back home with my family, XXXX minutes away, with all my possessions. This disrupted my ability to perform my job in sales effectively. 
On XX/XX/year>, I contacted the leasing company to inform them that I could not afford to absorb my roommates portion of the rent, as she was missing and rent was due. Despite my efforts, I was brought to court and fined for damages to the property that I did not cause. 

This series of events made it nearly impossible to manage my financial obligations. When I informed the leasing company that I could not afford the apartment, they initially attempted to switch me to a different room, but they ultimately declined due to my credit. 


I have additional documentation to support my claims, including : Emails confirming communication with the debt collector and leasing company. 
Screenshots of relevant correspondence. 
Potential proof of WiFi payments ( which can be obtained from my former bank, XXXX ). 

Impact on Me : The actions of XXXX XXXX, compounded by the challenges with my former roommate and the leasing company, have caused significant harm, including : Emotional distress due to harassment and intimidation by the debt collector. 
Financial instability caused by the unresolved debt, court fines, and the need to move abruptly. 
Ongoing uncertainty about my rights and obligations due to the lack of proper debt validation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation