Consumer complaint received 2017-08-14 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
My complaint in ins regards to an apartment i previously lived in and the amount they are now saying I owe, which is absolutely incorrect. I rented an apartment from XXXX XXXX on XX/XX/XXXX. At the time I rented the apartment i was required to pay a security deposit of {$150.00}, a full month of rentin the amount of {$890.00} as well as the prorated rent amount for the remaining days in XXXX. I was told when I signed the lease the full month advance rent would be applied as payment for the last month 's rent provided I gave proper notice of intend to vacate. While living in this apartment I paid my rent every month by automatic draft from my bank account and was never late with my payments. In XX/XX/XXXX I provided written notice of my intent to vacate the apartment the end of XX/XX/XXXX and ended my automatic draft as I had already paid in advance upon move in the last months rent in full. My notice was given because I made numerous complaints about the the grounds and stairwells being extremely dirty and unsanitary, It was customary for other tenants to sit their garbage bags outside their doors for a week or more instead of taking the trash to the provided dumpster causing a horrible odor as well as maggots. Someone vomited all down 2 flights of stairs which was left for several months and never cleaned up as of the time i moved out. There were frequent late night noisy parties and drug use with the police showing up on a regular basis. After months and numerous complaints from many residents with children and families, the management continued to do nothing to address the noise or unsanitary practices so i gave written notice to move. Several months after I moved out, I began to receive emails and phone calls from a lady named XXXX XXXX stated i owed {$1500.00}. When I requested an itemized statement of the charges both on the phone and by email ( see attachments ) i was a move out summary of charges which i reviewed and highlighted numerous charges which I found questionable and emailed it back to XXXX with no repsonse. Several weeks later i received a voicemail from XXXX as if she had never spoken or emailed with me at all saying she has been trying to reach me for months and I was not returning her calls. I immediately emailed her ( see attachments ) to question why she left such a voicemail knowing she has been in contact with me and reminding her I was still expecting a response in regard to the disputed charges. She responded by sending me an attachment with the same information she had sent before but no additional explanation for the disputed charges. This same back and forth went on for several months and then she stopped responding at all. A few months after that, I received a call from a lady calling herself XXXX XXXX who stated she was collecting this debt for XXXX XXXX however this time the balance was {$1600.00} more than the balance XXXX XXXX originally stated I owed of {$1500.00} and the balance reported on my credit bureau is {$1600.00} which is again different and increase from the other 2 balances I was provided both verbally and in writing. I tried explaining the situation to XXXX XXXX who refused to listen and insisted that if I do n't pay her in full my credit would be ruined. I questioned why the balance was different and was told to stop trying to play games and pay what I owe. I again told her i was disputing the balance and the charges and I needed someone to explain why I was being charged ad {$250.00} pet deposit that was dated after i gave my notice to move out when I have no pet, or why I am being charged for carpet replacement due to pet damage from said non-existent pet, rental charges the washer and dryer for the month of XXXX when I moved out on XX/XX/XXXX, garage rent for XXXX when I moved out in XXXX when the garage was not part of the rental agreement or term but instead was a you pay for only the months you use agreement with no lease attached. Why am I being charged for water, sewer and trash for the month of XXXX when again I moved out in XX/XX/XXXX? There are an entire list of fraudulent and/or unfounded charges that make up this balance which I have from day 1 and continue to dispute and request an explanation. This even more inflated balance has now been reported to all 3 credit bureaus by the collection agency XXXX XXXX works for who promised to ruin my credit if I did n't pay up. This needs to be removed immediately and this case closed!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation