Consumer complaint received 2025-09-12 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: FL

Complaint narrative:
I am filing this complaint regarding a collection account being reported by National Credit Systems ( NCS ). 

This debt is for an old apartment balance, and both I and my co-signer ( my boyfriend, XXXX XXXX ) have been contacted by NCS regarding payment. From the very beginning, we were told by their representatives that if we paid the debt in full, the account would be deleted from our credit reports. That was a major reason we were considering payment. 

When our case was reassigned to a new representative, that person initially also told us the account would be deleted if we paid. But later, they changed their position and said we were given misinformation. There was no apology or acknowledgment of NCSs mistake instead, the blame was placed on us as if it were our fault for believing what we had been told. This kind of inconsistency has left me very uncomfortable with paying a company that continues to switch up their words and can not provide a clear, consistent answer. 

What makes this worse is that my co-signer ( my boyfriend, XXXX XXXX ) has continued to receive different information than me. He has repeatedly been told that the account will be deleted after payment in full including again after my most recent call where I was told the opposite. So while I am being told no deletion, only a {$0.00} update, he is being told yes, deletion upon full payment. This is extremely confusing, feels unfair, and makes me question whether I am being treated differently for personal reasons. 

Additionally, I never received a debt validation letter as required under the Fair Debt Collection Practices Act ( FDCPA ). All communication with NCS has been over the phone. We were given verbal promises about deletion but never received written documentation to back up their claims.

The representative also implied that if I paid in installments, the account would not be removed, but if I paid the full balance in one payment, then maybe they would delete it. However, this was not a definite promise like I was originally told. It feels like I am being pressured to pay the full amount without any guarantee that the account will actually be deleted from my credit report afterward.

I also want to note that I am a service member, which makes this situation even more concerning. Service members are entitled to fair and transparent treatment under federal law, and I feel that I have instead been misled, pressured, and denied the proper written validation that I am owed.

My concerns are : 1. NCS has not provided me with a written validation notice for this debt.

2. I was verbally promised that the account would be deleted upon payment, but this promise has since been denied.

3. My co-signer continues to be told the opposite that deletion will occur creating conflicting and misleading information.

4. The new representative claimed we were given misinformation, with no apology or accountability, and placed blame on us.

5. The collectors statements about paying in full vs. installments are inconsistent and appear to be pressure tactics.

6. Without proper documentation, I can not be sure how this account will be updated on my credit report after payment.

This situation has affected my ability to apply for housing, as landlords see this collection account and deny my applications. I am trying to do the right thing by paying the debt, but I need NCS to provide proper documentation and handle this account fairly and lawfully especially given my status as a service member, it saddens me that this is how Im treated for wanting to serve my country.

Company response to consumer: Closed with explanation