Consumer complaint received 2025-08-08 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Systems,Inc.
State: CA

Complaint narrative:
To Whom It May Concern, RE : Formal Dispute of Collection Account for XXXX XXXX XXXX. 
DOB : XX/XX/XXXX Amount : {$5200.00} Account No : XXXX Creditor : XXXX XXXX / National Credit Systems , Inc I am writing to formally dispute a collection charge reported against my father, XXXX XXXX XXXX, an almost XXXX mentally incapacitated senior, regarding an alleged debt related to his former residence at XXXX XXXX, XXXX XXXX XXXX # XXXX, XXXX, MD. 

As his legal Power of Attorney and paid care provider, Ive been fully responsible for his health and finances since the onset of his cognitive decline. In XX/XX/XXXX, due to worsening mental health, XXXX XXXX moved to XXXX XXXX to live under my care, where he has remained permanently. 

Background and Circumstances We initially maintained his XXXX apartment with hope of returning. We continued paying the XXXX rent of XXXX XXXX, and I was in contact with the property XXXX, XXXX XXXX, updating her XXXX his medical condition and plans. 

Due to a family death, the cross-country transition, and logistical issues clearing the unit, his move-out was delayed. However, we never abandoned responsibility and were under the impression that any balance would reflect back rent minus the security deposit. 

At no time were we informed of : A rent increase A required HUD recertification A shift from subsidized to market-rate rent Additionally : No eviction notice or lease change was ever provided. 

The propertys restricted XXXX XXXX XXXX XXXX  move-out policy made hiring movers nearly impossible. 

We remained willing to settle any legitimate back rent at the original subsidized rate. 

XXXX of XXXX & Irregularities On XX/XX/XXXX, I received a collection notice the first indication of any alleged debt. I immediately contacted XXXX XXXX  and HUD. 

What I discovered : HUD continued paying rent for XXXX  months after my father vacated. 

XXXX then refunded HUD and billed my father retroactively for market-rate rent without written notice. 

No documentation was provided about rent changes, recertification, or billing. 

My attempts to resolve the issue were ignored, and the account was sent to collections. 

The debt was reported to credit bureaus, dropping his score by over XXXX points, now preventing him from accessing senior housing in XXXX XXXX. 

Legal and Ethical Violations This collection action violates multiple state and federal statutes : Maryland Landlord-Tenant Law Real Property 8-208 : Written notice required for rent increases or lease changes.

8-401 : Legal notice and process required for eviction.

HUD Regulations 24 CFR 245.15 : Tenants must be notified and offered reasonable accommodations.

Failing to recertify is a property management failure, not grounds for retroactive billing.

Federal Consumer Laws Fair Credit Reporting Act ( FCRA ) : Prohibits inaccurate or unverifiable credit reporting.

Fair Debt Collection Practices Act ( FDCPA ) : Requires verification of debt before collection. 

Elder Justice Act : Prohibits financial exploitation of vulnerable adults. 

Urgency and XXXX This disputed, unverified debt now blocks XXXX XXXX a mentally impaired senior from securing stable housing. On a fixed income and under my care, he faces potential homelessness due to this collection action.

Company response to consumer: Closed with explanation