Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: OH

Complaint narrative:
SUMMARY : National Credit Systems , Inc. ( NCS ) is attempting to collect {$570.00} on a debt that was already settled in XX/XX/XXXX. I have provided NCS with documentary evidence of the settlement including written confirmation from the creditor 's own attorney and property managerbut NCS has sent two identical form rejection letters ( XX/XX/XXXX and XX/XX/XXXX ) without conducting a genuine investigation or addressing my evidence. NCS has also reported this disputed, settled debt to credit bureaus, damaging my credit. BACKGROUND : On XX/XX/XXXX, I submitted a written settlement proposal to the landlord 's attorney offering to voluntarily vacate in exchange for : ( 1 ) dismissal of the eviction case, ( 2 ) no negative credit reporting, ( 3 ) a neutral reference, and ( 4 ) return of my {$300.00} security deposit. XXXX. ATTORNEY CONFIRMATION ( XX/XX/XXXX ) : The Attorney representing The Bend at Broad/Cortland, responded to my settlement proposal via email stating : My client confirmed you have vacated. We will be dismissing the case. XXXX. PROPERTY MANAGER CONFIRMATION ( XX/XX/XXXX ) : Senior Property XXXX XXXX XXXX texted me : Hi, Ive walked your unit and it is fully vacated and clean. She further stated : Your final account will be completed within 7 days of your move out. Any remaining deposit will be mailed. This was direct acceptance of my settlement term requesting deposit return. XXXX. I returned keys on XX/XX/XXXX and the eviction case was dismissed. NCS COLLECTION AND FAILURE TO INVESTIGATE : On XX/XX/XXXX, I received a collection notice from NCS for {$570.00}. I immediately disputed the debt and submitted evidence of the settlement through NCS 's online portal, including : Attorneys XX/XX/XXXX, email confirming dismissal Text message screenshots from Senior Property XXXX XXXX promising deposit return. NCS FIRST RESPONSE ( XX/XX/XXXX ) : NCS sent a form letter stating they have not received information sufficient to validate [ my ] claim ( s ) without addressing or even acknowledging my specific evidence. I submitted additional evidence and a detailed response explaining how the attorney and property manager 's statements constitute settlement acceptance. NCS SECOND RESPONSE ( XX/XX/XXXX ) : NCS sent a virtually identical form letter which was word for word the same as XX/XX/XXXX, again claiming insufficient information without addressing my evidence. This pattern demonstrates NCS is not conducting genuine investigations but is simply rubber-stamping whatever the creditor tells them. EXAMPLES OF FABRICATED CHARGES : I dispute this debt in its entirety. All issues were accepted and settled in XX/XX/XXXX. I am only addressing the Final Account Statement to show that The Bend at Broad Apartments/Cortlands billing includes multiple charges that appear fabricated, unsubstantiated, or improperly assessed. These discrepancies demonstrate that The XXXXXXXX XXXX XXXXXXXX XXXX claim is indefensible either way. XXXX ) {$50.00} LATE FEES : The landlord refused to accept my XXXX rent payment THREE ( 3 ) times by blocking the online payment portal, instructing staff not to accept in-person payment, and returning my certified mail payment by taping it to my apartment door. A landlord can not refuse rent and then charge late fees. XXXX ) {$45.00} LIABILITY PROTECTION : I obtained my own renter 's insurance through XXXX XXXX XXXX as part of the move-in requirements. This charge is improper. XXXX ) OVERCHARGED FEES : The lease specifies pest control at XXXX XXXXXXXX flat rate ( they charged {$5.00} ) and valet trash at XXXX XXXXXXXX flat rate ( they charged {$37.00} ). XXXX ) IMPROPERLY ASSESSED : They charged {$680.00} for 17 days of rent, but XXXX XXXX XXXX XXXX = {$560.00}, a {$120.00} overcharge. National Credit Systems , Inc. acknowledges receipt of my Thursday XX/XX/XXXX XXXXXXXX XXXX email and has not responded in 45 days. Email attached in a PDF file named " RE_ NCS Account Number_ XXXX - Concern Regarding Account '' Additional information and documentation available upon request.

Company response to consumer: Closed with explanation