Consumer complaint received 2019-09-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: NV

Complaint narrative:
Two months ago i learned that a past Apartment complex I lived in sold or hired a collection agency for debts incurred in XXXX for an eviction. I found out by learning that it was on my credit report when i tried to apply recently for housing and was turned down because they said i had a collection on my account in the amount of XXXX. Once I looked into it I called the collection agency listed on my report and spoke with a gentleman name XXXX XXXX from NCS. I said I just found out about the debt and id like to settle it however I need itemized charges because the amount I'm seeing has to be incorrect. He informed me that he had both my lease and itemized charges and that he would email me these items and then send a settlement offer that I should receive any day. Fast forward to today XX/XX/XXXX I called this guy back last night because I never received the email and left a long detailed message about how I contacted original creditor and got a copy of the charges and that I was disputing the charges but to call me today and if I hadn't heard from him Id call. I called around XXXX XXXX pacific XXXX. I explained to him that I never received the email with the charges or lease and that as a result I went to original creditors XXXX XXXX and they printed out a list of charges. I also spoke to a manager who  stated that NCS had everything and that they couldn't get involved further because NCS now owns the account. XXXX interjected that in fact they didn't own the account and they were collecting on behalf. I found this interesting because twice I was told by a staff member at XXXX that there was nothing they could do because they dont own the account anymore. I was told once on the phone a month prior and last week when I went to the office in person. At any rate the charges which i will attach to this are for charges for normal wear and tear which i can not be charged for. You can not charge for painting, carpet cleaning, apartment cleaning. The XXXX deposit was for carpet cleaning. Also If you evict a tenant in nevada you can not then turn around and ask for the money for the month you are evicting them for. Its either evict for nonpayment or take payment and no eviction, you cant kick the person out and then ask for the amount that you kicked them out for. I also was never notified of how my security deposit was used within the 30 days that they are supposed to notify you that way I would have known that this huge amount they were charging me for had been following me around on my credit report. they were in possession of both my email address and forwarding address in which i never received any notification about charges. I also explained that i see that they tried to claim damages when there was no such damage ... he then said they did not charge for damages that i was responsible for all of the fees. he then stated that because i didn't do a walk through as stated in my lease as a requirement that they basically can charge whatever they want. I stated that my lease said no such thing and that I was told when i gave the keys in that they could not do a walk through that day by the leasing agent XXXX XXXX. I also informed him that a previous company is who i had the lease with and only a month prior to the eviction unbeknownst to all of us at the complex that the complex had been sold. I agree that something is owed and I really wanted to work something out but the charges are overcharged by over 2,000. The conversation didn't end well because the guy starts getting snappy and was like most people who call here call because they want to work it out but obviously thats not what you are doing here. Interesting because the settlement i received from him recently which happened to expire was close to the actual amount i should have been charged. So now false information continues to sit on my credit report because of lies and false reports of what i owe and the two companies XXXX XXXX and NCS aren't helping because XXXX  is outright denying that they still own the account and now ncs is saying they don't own the account. In the mean time i cant rent any apartments because landlords here wont rent to someone with a high collection account from an apartment

Company response to consumer: Closed with explanation