Consumer complaint received 2025-04-27 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: MI

Complaint narrative:
On XX/XX/XXXX several apartments were using the machines in the community laundry room on the third floor around XXXXXXXX XXXX My wife was able to put a comforter and XXXX XXXX XXXX XXXX to wash but the dryer was occupied by apartment XXXX which was reported to the administration. The machines were running since XXXX XXXX but the scheduled start time is XXXXXXXX XXXX The laundry room was always occupied, there are no cameras and the door does not lock so it is basically free access. That day it seems the machines overheated and there was a lot of smoke. The fire department came and when speaking with XXXX of them they commented that the dryer was overloaded. In the afternoon around XXXXXXXX XXXX XXXX XXXX  wanted to dry the sheets and the comforter in the machines on the first floor. The XXXX 's assistant with a maintenance person told my wife that we caused the incident. My XXXX  tried to explain that she did not have her clothes in the dryer but there were other apartments using the machines in front of our apartment that day. The assistant ( on her phone ) didn't pay attention and told her it didn't matter, it was our fault. Months later in XXXX we received a paper on our door that we had to pay {$3100.00} dollars for the washer and dryer. We contacted the general XXXX trying to explain the situation. He told us there are photos, reports and evidence in which you can see my wife had clothes in both machines. We asked him to please send us that information and the XXXX said he would gladly do so. We gave him our email to send it but never received anything. XXXX days later we received an eviction notice. We found a lawyer to review our contract and she saw our bank statements that we were up to date with the rent payments, we were never late a day. The lawyer recommended we request reports and evidence that the machines were overloaded, how much maintenance had been done to the machines, technical specifications, capability for being high-use machines, photos where you see my XXXX  with clothes in the XXXX machines, fire reports, invoices for the new machines and the technical reports of the damage to each machine for which they had to buy new ones. We sent a letter requesting all of this and there was never a response. We requested meetings and there was never a response. We requested that they take us to court to resolve it but there was no response. The lawyer indicated to us by not wanting to give us any information that demonstrates our responsibility they probably had none. Their only response was several eviction letters but nothing to prove our responsibility. We asked the insurance company if they could investigate and obtain some information. They closed the investigation because XXXX XXXX XXXX did not provide any information ( case number XXXX with XXXX XXXX and they determined the following " We have denied legal responsibility on your behalf to XXXX XXXX  arising from this loss ). When we handed over the apartment because we did not renew the lease the general XXXX and the assistant were there and did not want to talk about the matter. They only inspected the apartment. ( which was in perfect condition ) They took part of our deposit of XXXX dollars as part of payment for the washer and dryer, which they did not have any proof of our responsibility since the machines were not inside the apartment but they were for public use. An additional fact, the day they replaced the machines they only replaced the dryer and not the washing machine. We lived next to the laundry room and we requested the invoices for the new machines. They are not digital or sophisticated machines but they are domestic machines, not for commercial use and once again there was no answer. They transferred this account to a collection company, National Credit System who we spoke with. They told us that the XXXX XXXX XXXX report several disputes from different tenants but they do not have any report that holds us responsible this incident. This agency reported to the three credit companies both in mine and in my XXXX  's name. We disputed with the TransUnion agency and they removed it from my credit but not from my XXXX  's. We disputed with XXXX  and XXXX  but they say the collection company confirmed this value is certified and we continue with the report on our credit.

Company response to consumer: Closed with explanation