Consumer complaint received 2025-01-08 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
This letter is a formal notice regarding the alleged debt associated with the property known as XXXX  XXXX XXXX XXXXXXXX, under Lease ID # XXXX. I am disputing this debt for numerous reasons outlined below, and I demand that you cease all collection efforts and remove this debt from my credit report within seven ( 7 ) days. Failure to comply will leave me with no option but to escalate this matter by involving legal representation and filing a complaint with the Georgia Attorney Generals Office. 

Discrepancies in Your Claims Incorrect Notice and Move-Out Dates : Your records incorrectly state the notice date as XX/XX/year>, and my move-out date as XX/XX/year>. However, I provided written notice of intent to vacate on XX/XX/year>, and officially vacated the property on XX/XX/year>, as supported by my email correspondence with the community director. In that email, the community director authorized leaving the keys in the drawer upon departure, which I adhered to. 

Misapplication of Security Deposit : The lease explicitly states that management is required to apply any held funds, including the security deposit, towards any outstanding balances. This was not reflected in the final statement provided, which is in direct violation of the lease terms. 

Unlawful Late Fees : The lease states that only {$200.00} late fees are valid. The imposition of daily {$10.00} late fees for a period of 12 days ( totaling {$120.00} ) is not mentioned anywhere in the lease agreement and constitutes an illegal practice under applicable Georgia law. As such, I am not obligated to pay these charges. Fees also have been charged past the move out date listed. 

Other Discrepancies : The total outstanding balance of {$6100.00} includes charges that are ambiguous and unsupported by documentation or contractual terms, further invalidating this claim. 

Demand for Action In light of these discrepancies, I demand the following actions within seven ( 7 ) calendar days from the date of this letter : Cease All Collection Activities : Immediately stop all attempts to collect the alleged debt. 

Remove Negative Reporting : Delete any and all references to this debt from my credit report. 

Provide Validation : If you believe this debt is valid, provide a full, detailed accounting and explanation of all charges, credits, and payments, as well as documentation substantiating each claimed amount. 

Legal Notice Be advised that I am fully prepared to pursue legal remedies if you fail to comply. This includes filing complaints with : The Georgia Attorney Generals Office ; The Federal Trade Commission ; The Consumer Financial Protection Bureau. 

Additionally, I reserve the right to seek damages for any harm caused by your illegal debt collection practices. 

Conclusion Please consider this letter your formal notice to rectify this matter promptly. I request written confirmation of the resolution of this dispute within the stated time frame

Company response to consumer: Closed with explanation