Consumer complaint received 2026-03-30 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Used obscene, profane, or other abusive language
Company: National Credit Systems,Inc.

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/year> I am submitting this formal complaint against National Credit Systems regarding their handling of the alleged debt associated with my account XXXX XXXX Since XX/XX/year>, I have been in active communication with the agency via email and clearly informed them that I am located outside of the United States. I also explicitly requested that communication be conducted via email due to my international location. Despite this, the agency sent a time-sensitive written notice dated XX/XX/year>, indicating their intent to report the account to credit bureaus. Given their clear knowledge of my location and communication constraints, they knew or should have reasonably known that I would not receive this notice in a timely manner, if at all. It is important to note that the agency initiated communication via email on XX/XX/year>, providing me until XX/XX/year> to dispute the debt. I formally disputed the debt on XX/XX/year>. While I received a verbal explanation regarding their position, the agency proceeded in a manner that effectively deprived me of a fair and reasonable opportunity to respond, or resolve the matter prior to negative credit reporting. Furthermore, during a subsequent phone conversation on XX/XX/year>, a representative of the agency denied me a meaningful opportunity to resolve the debt and stated that collection efforts would continue regardless of my attempts to engage. This reflects a lack of good-faith effort to reach a fair resolution. Specifically, I believe the agency engaged in unfair and deceptive practices by : Sending critical, time-sensitive notice via postal mail despite ongoing email communication and full awareness of my inability to reliably receive mail at the listed address. Denying a reasonable opportunity to resolve the debt during direct communication and indicating that collection efforts would proceed regardless. Failing to provide any explanation when questioned about sending the XX/XX/year> notice to an address where I do not reside, despite having the ability to communicate with me electronically. Acting in a manner that appears designed to accelerate negative credit reporting rather than facilitate a fair resolution. I believe these actions may constitute violations of the Fair Debt Collection Practices Act ( FDCPA ), particularly regarding unfair practices and failure to communicate in a manner reasonably calculated to inform the consumer. I respectfully request that your office : XXXX. Investigate the conduct of National Credit Systems in this matter. XXXX. Require the removal or correction of any negative credit reporting associated with this account. XXXX. Ensure that the agency adopts fair communication practices consistent with known consumer circumstances. I am prepared to provide copies of all relevant email correspondence and supporting documentation upon request. Thank you for your attention to this matter. I look forward to your assistance in reaching a fair and equitable resolution. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation