Consumer complaint received 2025-09-04 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: CO

Complaint narrative:
Good evening I am really upset with national credit systems Inc their address is XXXX XXXX XXXX XXXX Georgia XXXX I have been harassed by their debt collector XXXX this is for XXXX XXXX an apartment I rented at XXXX XXXX XXXX XXXX XXXX Colorado XXXX, my lease ended XXXX the XXXX of XXXX  I was a resident at the XXXX charities homeless shelter until XX/XX/year> the whole time I have been living in the homeless shelter my cell phone number my and my address to my PO box has not changed my numbers, XXXX XXXX XXXX XXXX XXXX should have notified me and failed to do so national credit service systems should have sent me the letter of the validity of the debt and has helped to do so till this day I have not received the letter in the validity of this debt so XXXX starts calling me at the end of XXXX harassing me hounding me for money for this debt which I would like you guys to pull the phone calls then I tell XXXX I'm already working with the original creditor ma XXXX XXXX and I've already made a payment to them and I'm getting ready to pay them again she was upset that I wanted to pay the original creditor and not her so then XXXX tells me that I have to work with her and they don't do things that way there in her office I told her well I'm sorry I'm working with the original creditor and I'm paying them what I can afford and I'm sorry that's not up to your company 's standard so then it gets worse she threatens to put this on my credit and continues to harass me with phone calls and I have yet still to receive the validity of the deck VIA mail to my post office box so I have a tangible hard copy of this debt, keep in mind you this debt collection hasn't even had this this account for 30 days cuz according to her that was the reason she was contacting me and I feel cyber stalked because how was I in the homeless shelter the whole time they could have notified me about this debt and failed to do so they waited until I moved into my new home here at XXXX XXXX apartments two purposely put me in debt and ruin my credit so the bad part is not only had I been making payments XXXX XXXX lied to my new apartment complex XXXX XXXX and said that I never paid them which is false here are the receipts and payments I have made up until this point I have attached those documents for your review this morning I get a notice from the credit bureaus and XXXX has put this on my credit which is now a legal debt practicing this is harassment and this is bullying me into a debt and now she has I made sure to include proof of this for your review and the this debt just went on my credit today this morning XXXX then it gets worse this could have been prevented but XXXX XXXX at XXXX XXXX XXXX XXXX XXXXXXXX had a payment I submitted to them XX/XX/XXXX of XXXX  my current landlord advised me to do so not only does she fail to contact me and give me the payment back not only did she feel to mail the payment to the current PO Box she has on file she kept the payment and the only way I found out is because I went to go pay them again on XX/XX/year>XXXX  is she still had the payment so now I feel like XXXX and national credit systems conducted illegal debt practicing which there was no need for it cuz they had current and updated contact information for me my cell phone number and my mailbox they lied to my new current landlord and I have been making payments and they're just mad because I didn't pay them what I can't pay them but I'm still making payments on the debt for this illegal debt practicing I want this debt taken off my credit and I want this bill discontinued and I'm keeping track of the complaint I file because I am going to take this to the XXXX XXXX court and follow a lawsuit against XXXX XXXX XXXX this is illegal debt practicing and they had a payment from me and hardly withhold it from me for more than 30 days after my current landlord was kind enough to advise me to pay them so this doesn't affect my credit or my home here. I'm also going to sue XXXX XXXX for slandering me and for withholding my money for over 30 days when this could have been avoided and my credit should have been okay I feel like they purposely did this on purpose to ruin my credit I'm highly upset and I need your help hold on Mommy so the payment for {$50.00} which was made on XXXX the first payment of {$100.00} which was made on XXXX XXXX XXXX  so yeah we got a problem oh XXXX XXXX for that electric fieldmy new landlords here at XXXX XXXX can verify I've been making my payments on or before time with no problems so I feel very discriminated against and I don't appreciate that.

Company response to consumer: Closed with explanation