Consumer complaint received 2026-03-04 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I am formally disputing an invalid {$300.00} " Administrative Fee '' debt reported by National Credit Systems , INC. on behalf of XXXX XXXX XXXX XXXX XXXX. This charge is contractually unsupported, and the collection agency has engaged in verbal misrepresentation to enforce it. The Timeline : XX/XX/XXXX : Submitted an application for a move-in date of XX/XX/XXXX. XX/XX/XXXX : Signed a XXXX Contract and received a " Welcome Home '' letter. XX/XX/XXXX : Officially withdrew my application and notified the property, roughly XXXX months before the scheduled move-in. Why This Debt is Invalid : The Debt Never Matured : The " Welcome Home '' letter explicitly lists the Administrative Fee as part of the " Balance Due at Move-In '' scheduled for XX/XX/XXXX. Since I withdrew in XXXX and never took possession of the unit, the condition for this paymentthe start of the tenancynever occurred. Incorrect and Inflated Amount : The creditor 's own move-in breakdown listed the Administrative Fee as {$150.00}. The debt collector is now demanding {$300.00}. This {$150.00} increase is an unauthorized " penalty '' for my status as a substitute teacher not moving in. There is no provision in the signed XXXX or XXXX authorizing the retroactive doubling of fees upon withdrawal. Failure to " Retain '' Funds : Paragraph XXXX of the XXXX XXXX states management may " retain '' all administrative fees as liquidated damages. Because I never paid this fee, there are no funds to " retain. '' The agreement does not grant a right to bill for an unpaid fee that was never delivered. XXXX was " Incomplete '' : Paragraph XXXX of the XXXX XXXX states that an application is not considered " completed '' until an administrative fee or security deposit has been paid. Since no fee was paid, the application was technically incomplete under the community 's own terms. Violation of " Entire Agreement '' : Paragraph XXXX of the XXXX XXXX states it is the " Entire Agreement '' and disclaims any other oral or written representations. The XXXX does not contain a {$300.00} withdrawal penalty. Misinterpretation of the XXXX Clause : Paragraph XXXX of the XXXX XXXX states the administrative fee is " non-refundable XXXX hours after the date of application ''. This clause explicitly governs the refundability of a fee already paid to the creditor. It does not grant the creditor a legal right to charge or invoice a new {$300.00} debt if the fee was never delivered in the first place. Since no fee was ever paid, there was no " refund '' to withhold, and the contract contains no language converting a non-refundable status into a collectible debt. Misrepresentation by XXXX XXXX : As of today XX/XX/XXXX I called the agency and they verbally stated that " no agreement is needed '' for them to charge me. This is a direct violation of 15 U.S.C. 1692f ( 1 ), which prohibits collecting any amount not expressly authorized by the agreement creating the debt or permitted by law. Furthermore, when I requested the contact information for the original creditor to resolve the dispute, the agency representative claimed they did not have it and instructed me to 'Google XXXX the information myself. This is a direct failure to provide debt verification as required under 15 U.S.C. 1692g ( a ) ( 5 ) and hindered my ability to exercise my consumer rights.

Company response to consumer: Closed with explanation