Consumer complaint received 2026-06-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: PA

Complaint narrative:
I am filing this complaint against National Credit Systems Inc. ( NCS ) for violations of the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ) regarding an alleged debt of {$11000.00} claimed on behalf of XXXX XXXX XXXX XXXX, XXXX, PA. FDCPA VIOLATION : FAILURE TO VERIFY DEBT ( 15 U.S.C. 1692g ) : On XX/XX/XXXX, I sent NCS a certified debt validation letter. NCS failed to provide legally sufficient verification. They produced an internal ledger and a document labeled Final Account Statement- Revised with no original statement, no explanation of revisions, no signed move-out inspection, and no vendor invoices. This is a willful failure to verify under 1692g. Continued collection activity on an unverified debt is a direct violation of 1692g ( b ). FRAUDULENT CHARGES BEYOND ACTUAL VACANCY DATE : I moved into unit XXXX at XXXX XXXX XXXX on XX/XX/XXXX under a one-year lease expiring XX/XX/XXXX. I vacated the premises and returned my keys in XX/XX/XXXX. No new lease was ever signed. Critical evidence confirms my XX/XX/XXXX vacancy : on XX/XX/XXXX, XXXX XXXX property manager XXXX XXXX sent me an email requesting the return of my apartment keys three months after I had already returned them and vacated. This email is direct proof that management either lost track of when I vacated or is deliberately falsifying the vacancy date to inflate charges. Despite my XX/XX/XXXX move-out, the ledger shows XXXX XXXX continued charging full monthly rent of {$1600.00}, a $ 100 month-to-month fee, and a {$10.00} package fee through XX/XX/XXXX and into XX/XX/XXXX. These charges were applied without a signed agreement and after actual vacancy. This constitutes fraudulent inflation of the claimed debt in violation of 1692e ( 2 ) ( A ) and 1692f ( 1 ). FDCPA VIOLATION : FALSE AND MISLEADING REPRESENTATIONS ( 15 U.S.C. 1692e ) : The claimed balance includes {$1800.00} to replace a refrigerator and {$400.00} for cleaning, both dated XX/XX/XXXX, five months after I vacated in XX/XX/XXXX. No move-out inspection was conducted, no photographs were provided, and no vendor receipts exist in the documentation provided. Assessing damage charges five months after vacancy with no supporting documentation and no inspection constitutes a false representation of the character and amount of the debt under 1692e ( 2 ) ( A ). FDCPA VIOLATION : UNFAIR PRACTICES ( 15 U.S.C. 1692f ) : The ledger includes a {$150.00} legal fee reimbursement with no court order, no judgment, and no contractual provision authorizing this charge. Collecting unauthorized fees is a direct violation of 1692f ( 1 ). PENNSYLVANIA STATE LAW VIOLATION ( 68 P.S. 250.512 ) : Pennsylvania law requires landlords to return the security deposit and a written itemized list of deductions within 30 days of move-out. I vacated in XX/XX/XXXX. The revised statement is dated XX/XX/XXXX, more than five months after move-out. And I did not recive this invoice until after I disputed the debt. This is a direct violation of Pennsylvanias 30-day requirement. Under Pennsylvania law, failure to comply within 30 days automatically forfeits the landlords right to any deductions whatsoever and entitles the tenant to double the deposit amount. This debt is legally uncollectable under Pennsylvania state law. FCRA VIOLATION : REPORTING UNVERIFIED DEBT ( 15 U.S.C. 1681s-2 ( b ) ) : NCS is reporting this unverified debt to consumer reporting agencies despite my formal dispute. Reporting a debt that has not been properly verified after a consumer dispute is a direct violation of 1681s-2 ( b ) and requires immediate deletion from all credit bureau files . In their prior CFPB response, NCS stated their agreement with XXXX XXXX is private and confidential. No private business agreement supersedes a consumers federal rights under the FDCPA or FCRA. 1. Immediate deletion of this tradeline from XXXX, XXXX, and XXXX 2. Immediate cessation of all collection activity 3. Production of a signed move-out inspection report dated XX/XX/XXXX, dated vendor invoices, and proof of Pennsylvania debt collection licensure 4. CFPB enforcement review of NCS for pattern of FDCPA violations I am prepared to escalate this matter to the Pennsylvania Attorney XXXX XXXX XXXX XXXX XXXX and pursue private legal action under 15 U.S.C. 1692k, which provides statutory damages up to {$1000.00}, actual damages, and attorney fees for FDCPA violations.

Company response to consumer: Closed with explanation