Consumer complaint received 2026-04-09 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: CA

Complaint narrative:
CFPB COMPLAINT Against : National Credit Systems Also referencing : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX being complained about : National Credit Systems ( Also reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, CA XXXX ) What happened paste this in the description box : In XX/XX/XXXX, my son XXXX XXXX, then a college student at XXXX XXXX XXXX XXXX, was targeted by XXXX XXXX XXXX ( operating as XXXX XXXX XXXX ) with a high-pressure email campaign warning that student housing would be unavailable unless he signed a lease immediately. Their leasing agent, XXXX XXXX, personally told my son he would lose his housing if he did not sign right away exploiting a well-documented student housing shortage near XXXX to create fear and urgency. As a result of this pressure, XXXX signed an electronic lease agreement in approximately XX/XX/XXXX for a Fall XXXX tenancy nearly one year in advance. I, XXXX XXXX, signed as guarantor. XXXX never moved into the unit, never received keys, and never took possession of the property. He ultimately did not return to the university at all, in part due to the severely mismanaged living conditions at XXXX XXXX XXXX, where non-student adults in their XXXX were placed as roommates with XXXX students. When XXXX XXXX XXXX began sending rent demands, I contacted them multiple times. Every representative I spoke with acknowledged my concerns but refused to offer any resolution, stating only that the contract had been signed. No one addressed the circumstances under which the signature was obtained. The company never demonstrated any effort to re-rent the unit as required under California Civil Code 1951.2. XXXX XXXX XXXX then referred the alleged debt of {$20000.00} to National Credit Systems, a debt collector. On XX/XX/XXXX, National Credit Systems reported this account to XXXX as a collection, damaging my son 's credit. This is the first formal collection contact we have received. I have sent National Credit Systems a formal debt validation letter via certified mail demanding verification of the debt, proof of their California collection license, and documentation that XXXX XXXX XXXX fulfilled its legal duty to mitigate damages. I have also sent a demand letter to XXXX XXXX XXXX demanding full rescission of the debt within 14 days. This complaint is filed on the following grounds : National Credit Systems is attempting to collect a debt that is invalid and unenforceable, obtained through misrepresentation and economic duress The underlying creditor, XXXX XXXX XXXX, failed to comply with California 's mandatory duty to mitigate damages before referring the full year 's rent to collections The reporting of this account to XXXX is damaging and unjust given the disputed and potentially unlawful nature of the underlying debt The lease solicitation email dated XX/XX/XXXX which I have retained demonstrates the pressure tactics used to obtain the signature, including language about " limited '' availability and warnings that units would be released to the general market I am requesting that the CFPB : Investigate National Credit Systems ' collection of this disputed and potentially fraudulent debt Investigate XXXX XXXX XXXX XXXX XXXX XXXX XXXX for predatory student housing practices Order the immediate removal of this collection account from my son 's credit report Take appropriate enforcement action Supporting documentation available : XX/XX/XXXX email from XXXX XXXX XXXX XXXX XXXX XXXX XXXX Written statement of facts Debt validation letter sent to National Credit Systems Demand letter sent to XXXX XXXX XXXX

Company response to consumer: Closed with explanation