Consumer complaint received 2026-03-18 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I noticed that I have a debt on my credit report from National Credit Systems. I called to speak to a representative and try to make an offer to resolve the debt to help my credit. I was transferred to XXXX at extension XXXX. XXXX let me know that there is a prior offer to accept 50 %, but that was expired and now they would take 75 %. I offered 40 %. He said he could not take that offer. I said I didn't know about the 50 %, and he started aggressively telling me that he had contacted me through multiple means including my email which he read out to me, my phone number which was the incorrect phone number and also mail. I have not received any of these correspondence. I told him that I check my email consistently and that I also read all of my voicemails that I receive ( they are converted to text ). I haven't seen anything from him. He told me that he has called my number personally multiple times in an aggressive tone. I told him that I don't see anything in my email from him and also that the phone number he read out was incorrect. I told him that I had no way to know about the 50 % and it seems like the 75 % is punitive. He told me then that it was a company-wide promotion and it's not their problem if I am unaware of it. I also asked him if he ever receives spam calls, making the point was that I wouldn't have been aware of the 50 % offer if it's coming through as if it's a spam call or going to my spam email filter. At that point he cut me off and told me that his personal life is none of my business and that I can call and pay in full and hung up on me. After reviewing my email, I looked specifically for the email address that he provided and I have nothing from that email. The phone number he provided is not a phone number known to me. We haven't received any correspondence in the mail. So my original assumption that I had missed it through spam seems to be incorrect because I don't have anything from this company and I'm not sure why they would tell me the offer expired when I never received it. We had previously disputed this debt and thought that it was taken care of because we hadn't heard anything else. My complaint is in regards to the extremely rude and aggressive manner in which he spoke to me, that he told me to pay in full or not at all And then hung up on me. When calling this company the line actually says they're happy you are calling to resolve the debt and would like to handle it in a fair and professional manner. I don't understand how this is fair or professional. This debt truly shouldn't even be paid because of the way it was handled by the original debtor, but at the end of the day being shaken up by a man being aggressive with me and then hanging up on me doesn't come across as fair or professional. When collecting debts I would expect some level of professionalism and kindness to the people who are struggling to make these payments.

Company response to consumer: Closed with explanation