Consumer complaint received 2026-05-12 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:
This is a new complaint regarding entirely separate, newly discovered accounting fraud and illegal billing cycles found within the documentation XXXX recently provided. This case directly links to and expands upon closed Case # XXXX. I am filing this new complaint against National Credit Systems , Inc. ( XXXX ) based on explicit accounting fraud and mathematical contradictions discovered inside the 'Move Out Statement ' and ledger they recently provided. XXXX claims the original creditor verified this debt, but their own documentation proves the balance is completely fabricated. 1. Proof of Fraudulent Utility Price-Gouging & Date OverlapsThe ledger proves that the utility charges were completely falsified rather than pulled from real provider bills : Overlapping Billing Dates : One water/sewer cycle ends on XX/XX/XXXX, and the very next cycle starts on XX/XX/XXXX. Charging a consumer twice for the exact same calendar date is illegal double-billing. Fabricated Daily Rates : My historical water usage baseline from XX/XX/XXXX to XX/XX/XXXX ( 34 days ) was {$50.00}, which equals {$1.00} per day. Immediately following my move-out notice, the rates magically skyrocketed. From XX/XX/XXXX to XX/XX/XXXX ( 27 days ) they charged {$87.00} ( {$3.00} per day ), and from XX/XX/XXXX to XX/XX/XXXX ( 25 days ) they charged {$80.00} ( {$3.00} per day ). It is a logistical impossibility for water consumption to permanently more-than-double during the final weeks of a 5-year tenancy. The creditor padded these numbers with arbitrary estimates, which XXXX is illegally trying to collect. 2. Reverse-Engineered Damage Fees & Complete Failure to ItemizeThe ledger contains an intentional mathematical manipulation designed to perfectly steal my {$300.00} Security Deposit. The landlord assessed exactly {$300.00} for 'Trash out ' and exactly {$89.00} for 'replaced blinds. ' The sum of these two exact charges is {$380.00}. The ledger then shows an immediate line item : " Adjustment to amount to be refunded : - {$380.00}. It is a statistical impossibility for random third-party repairs to perfectly match my credit balance down to the XXXX. Furthermore, the creditor completely failed to provide an itemized receipt or vendor invoices for these flat fees. Under Florida Statute 83.49, a landlord can not invent flat-rate deductions without providing true itemized proof of actual costs. 3. Predatory Accounting : Charging a 'Credit ' as a 'Debt'The summary page lists a 'Utility Charge ' of {$280.00}. However, the itemized ledger reveals this exact {$280.00} amount is explicitly labeled as a 'Gross Potential Rent Credit 6 days. ' XXXX is actively attempting to collect a financial credit that belongs to me as an outstanding utility debt. 4. Arbitrary 'Rent Owed ' Fee Despite Full PaymentThe ledger states I owe a random balance of {$13.00} for rent. My monthly rent was {$1500.00}, establishing a daily rate of {$47.00}. For the 25 days of XXXX occupancy, I owed {$1100.00}. Because I paid the full monthly sum of {$1500.00} on XX/XX/XXXX, I actually overpaid my base rent by {$78.00}. The {$13.00} 'Rent Owed ' charge is completely fabricated. 5. Legal Inaccuracy ( XXXX XXXX ) The ledger explicitly lists my Move-In date as XX/XX/XXXX and Move-Out as XX/XX/XXXX ( 5 years and 2 months ). Under HUD guidelines and Florida landlord-tenant standards, rental carpet has a useful life of 5 years. The carpet was fully depreciated and held a legal value of {$0.00}. Charging me {$1000.00} to 'prorate ' an asset with XXXX remaining value is an illegal charge for normal wear and tear under Fla. Stat. 83.49.

Company response to consumer: Closed with explanation