Consumer complaint received 2025-08-30 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
On XX/XX/year> at XXXX pm, I received a phone call while at work from a male who works for a company National Credit Systems. I had no clue of what this Rude person was speaking about because this was my FIRST TIME hearing about a debt I owe supposedly to XXXX XXXX XXXX in XXXX, TX. NO ONE FROM XXXX XXXX XXXX  CONTACTED ME PRIOR TO THIS MAN FROM THIS COMPANY CALLING ME AND NO ONE HAS CONTACTED ME AFTERWARDS OR HAVE SHOWN ME ANY PROOF ABOUT A DEBT BEING OWED! This man spoke very rudely and didn't fully explain what was going on. What I assumed was he was calling because after I moved from these apartments in the beginning of XX/XX/year> I left some bags of trash from cleaning up inside the apartment and a XXXX & XXXX table. I was not able to put the trash bags and the mattress outside in the apartment trash because they already were extremely Full and spurring over. The XXXX at that time name was XXXX XXXX. She had already put notes on all of our doors stating to not leave trash outside of the dumpster or we'd be charged for large items. There was simply nowhere to put my trash outside. I was told by XXXX I could break my lease early but my deposit would be forfeited. I assumed since they would be keeping my deposit of i believe {$350.00} that it would cover any trash clean up in my apartment that was left over. This is why I thought the rude debt collector was contacting me because I moved out early. He never explained why or what the issue was he simply told me he had pictures so I thought this was pictures of the trash that was bagged up and the mattress. The deposit they kept should've covered any trash pick up in the apartment. I always kept my apartment CLEAN while I stayed there and the other residents and the Landlord can tell you this because they had to come over often! No ONE AT THOSE APARTMENTS EVER SEEN MY HOUSE UNCLEAN EVER!! So I never once knew that it was a bill or I had to pay for something until 2 months later by this company NOT XXXX XXXX XXXX! I was told I owed XXXX XXXX {$690.00}! Now how that came about I don't know!! It makes no sense! Leaving a few bags of trash and a mattress and kitchen table shouldn't have been a {$690.00} especially if they got my deposit! I did also have issues with the maintenance man at these apartments and this was XXXX of the reasons I left. The XXXX did XXXX to stop the XXXX XXXX  and harassment i received while this maintenance man was working there. I do not know what was done in the apartment after I moved out but he is the XXXX who has to clean the apartment out after someone moves out. I do believe maybe some extra damage was done to my apartment after I moved out and this is why there was a bill for {$690.00} because there is no way XXXX XXXX kept my deposit and I still owed {$690.00} after moving out. No one from these apartments ever contacted to about a bill so that it could be settled or disputed. No one showed me any pictures. No one sent me any mail or called me or sent any emails regarding this matter! I did have to contact the XXXX over XXXX XXXX after I moved out. Her name is XXXX. I had to make a complaint on the maintenance man for harassment as I was working and had to come to the apartments for a delivery. This was in XXXX or XX/XX/year>. Even though I had moved this person was still a problem! I feel like he XXXX have done some damage to the apartment i moved from and this is why it is a bill for {$690.00}! There's no way my deposit was used for clean up and i owed an additional {$690.00} for a table, mattress and some trash bags. The carpet was fine and anything else in the apartment when I left! I do have witnesses to also speak on that because they helped me move out! I asked XXXX at that time about the amount {$690.00} because I thought it was a bill that XXXX XXXX had billed me for for moving out early. She told me no it's from clean up. I asked her didn't you all get my deposit? She told me yes but you owe this {$690.00} as well. She said it was from the trash in the apartment. It just didn't add up right to me nor sit right with me. I asked her why wasn't I contacted about any bill prior to this debt collector contacting me? XXXX XXXX had my phone number and email to reach out to me about any amount i owed! She contacted me by phone often as well as other tenants! XXXX also told me that the maintenance man is the XXXX who checked my apartment XXXX before XXXX came back from XXXX leave to do a walk through. This maintenance man was recently fired due to his unprofessional behavior! I do believe he was involved in doing some damage to my home because there wasn't any issues with the carpet or anything. It was only some trash bags in the corner with table and mattress. Let 's just say what I left in the home to be cleaned up the deposit should've covered the clean up cost! There shouldn't have been an ADDITIONAL {$690.00} BILL!! This man from this bill collector has contacted me numerous times and I even had to hang up in his face. He is very unprofessional! The number he calls from has been blocked. He recently decided to contact me from a different number and I told him I'd pay what I owed if I owe anything but it won't be to them! This debt collection agency has reported this on my credit report and caused my credit score to decrease drastically!! I didn't give them permission to report any false information on my credit. I do not have any contract with these people! Therefore them reporting false information and continuing to contact me about a bill i knew nothing about needs to be addressed! It needs to be removed from my credit report! I also wanted to mention the XXXX XXXX XXXX has been removed from these apartments too since this happened. She did a lot of underhanded things while working for these apartments. XXXX thing was when I signed papers to move into these apartments her son turned on a treadmill and got my XXXX XXXX XXXX son hand stuck in it! These treadmills are suppose to have a lock on them! It was not any!! XXXX made no report to this to her supervisor or took appropriate protocol when it came to this! Another maintenance man who worked there finger got cut completely off while working here as well! There has been a lot of things I can report about these people and I believe fraud or lies have been created to cause damage or make me pay for damages that weren't done by me! I have sent this company National Credit Systems an email to cease any communication with me about this on XXXX XXXX from my email XXXX. This needs to be looked into!

Company response to consumer: Closed with explanation