Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: OR

Complaint narrative:
To whom it may concern, I am writing to formally file a complaint regarding fraudulent, retaliatory debt collect practices and the creation of a hostile and unprofessional housing environment from my former apartment complex, XXXX XXXX XXXX XXXXXXXX located at XXXX XXXX XXXX, Bend OR XXXX, which have been wrongfully sent to XXXX separate debt collection agencies. I am also making a complaint towards the debt XXXX and credit reporting agencies. 

These actions appear to be in direct retaliation for our filing of complaints to XXXX housing and local housing advocate organizations regarding the managements conduct, hostile behaviors, and loss of service animal paper work during our tenancy. Which ultimately forced us to vacate the property under severe financial strain. 

XXXX and XXXX background, We were a tenant from XX/XX/XXXX to XXXX of XXXX. After XXXX XXXX XXXX took of management, conditions for us significantly declined. The management teams disorganization and lack of professionalism directly affect my housing stability and rights as a tenant. 

Specific issues included. 

Failure to issue a lease renewal due to the staffs inability to use the leasing system, which left me without a valid lease or legal clarity of my housing status as we DID NOT WANT month-to-month. 

Loss of service animal documentation, despite my full compliance with fair housing regulations. 

A toxic and hostile living environment, worsened by assistant XXXX speaking negatively about the property XXXX to tenants and myself, conduct that was unprofessional and unsettling. 

Retaliatory behavior after trying resolve the issues, which led to complaints with XXXX XXXX a local advocates regarding the mismanagement and discriminatory treatment XXXX impacts, Due to the deteriorating conditions, hostile environment, and retaliatory actions from management, I was left with no choice but to find alternative housing. This sudden, forced mice places a significant financial burden on us, requiring unplanned expenses for moving, application fees, deposits and all of it could of been avoided had the property been managed fairly and professionally without judgement. 

Fraudulent charges, After we vacated the apartment we were blindsided by a collection letter for allegations of apartment damages, despite. 

No move-out inspection documents No itemized damage report or pictures to prove of actual damage. 

No communication from management about any balances owed Direct dismissal of concerns by XXXX XXXX XXXX XXXXXXXX XXXX  of XXXX and XXXX XXXX. 

Which came to the total of {$8100.00}. 

This alleged debt has now been with XXXX separate collection agencies. Damaging our credits. The amount and circumstances strongly indicate this is retaliation for our complaints. 

We have formally disputed the charge with the credit bureaus. Despite providing clear explanations and evidence, disputes were closed without any meaningful investigation. They have failed to uphold their obligations to investigate disputed items under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation