Consumer complaint received 2025-05-05 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: FL

Complaint narrative:
We have formally written to to the company to dispute the move-out statement dated XX/XX/year> and the charges imposed regarding our early lease termination at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. The early termination of the lease was not voluntary but was the result of : Lease Offices, thus Landlord 's and our neighbor harassment. This included false noise complaints and failure of Leasing office to provide peaceful living conditions even after multiple requests for help regarding our neighbors yelling, swearing and throwing objects to the floor and thumping and especially the continuous eviction treats. Even our XXXX  laughter became the source of noise complaints. A company Lease office representative made a visit to our apartment to observe the situation it has been informed as normal apartment living and there were no excessive noise were created. However, the abuse from neighbors and harassment from the leasing office continued. Several of the recorded and informed dates on the notices we have been sent occurred when we were XXXX  XXXX  the XXXX  and no one was in our apartment. Unbearable living conditions created through continuous intimidation and have been subject to legal eviction threats continuously. we were forced to vacate due to landlord negligence in ensuring peaceful enjoyment of the property. Some but not limited to the legal arguments we wish to present is : 1. Violations of XXXX  Tenant Rights Under XXXX  law, landlords can not create or allow conditions that make a property unlivable. XXXX XXXX  ' failure to prevent ongoing harassment violated my right to quiet enjoyment of the property. As known by both parties ( us and the apartment representatives ) we have been sent legal notices and threats of legal eviction multiple times. The last of the legal notices have informed us not to disturb the lease office and our neighbors which is on its own sufficient reason for rightful early termination. We have taken all necessary precautions and have been acting in good faith since the beginning of the lease agreement but we have not been provided with the peaceful living conditions. A tenant should not be banned from receiving technical support for any reasons. As can be clearly seen in the latest legal notice sent by the lease office the apartment has been in breach of the contract and peaceful living conditions has not been restored and we have been forced to move out. their failure to provide essential repairs or services like the water filter, even for the common amenities, forcing us to incur additional costs and stress. Lately our requests for technical support has been denied or been delayed. Examples to this is as known can be our rooms lock not been changed for XXXX  days after we informed the lease office or the water filter not been changed for weeks. their excuse as being behind the schedule was also not acceptable. All documents of harassment and recorded noise levels mentioned at the last legal notice sent by you and other proof are also available on the apartments system and during our peaceful termination attempts the apartment have informed they already have copy of the legal notices sent to us. 

2. Misrepresentation of Lease Terms, misleading us to believe the duration of the lease agreement can be changed at any time during the lease and having informed the representatives more than a month prior to our move out date ( we have informed XXXX of the lease office representatives that we will be moving out ) and having requested for a change in duration of the lease agreement in which being replied as it was easy and all we had to do was to inform the exact date of moving out which we did was a misrepresentation. Since these misrepresentations induced us to sign the lease under false expectations, the lease agreement is partially of wholly unenforceable making any penalties related to early termination invalid. 

3. Failure to Mitigate Damages ( 83.595, XXXX. Stat. ) XXXX  law requires landlords to make reasonable efforts to re-rent the unit before charging an early termination fee. We kindly demanded proof that the apartment attempted to re-rent the property to which they have never replied and transferred the dept to collection agency. 

Since we were forced out under these conditions, we believe we have effectively constructively evicted, and we are not liable for any lease termination fees. we have executed our rightful early termination rights. the apartments actions also constituted both economic and emotional duress. We were forced to find a new place which is similar in living conditions but more of monthly rent cost and further away from our working places. We also had to change our sons schools. As the threats were eminent and we could not move in XXXX  days in such notice we were forced to find a new place and moved our XXXX  schools. We had no other choice but to vacate as staying would have resulted in severe financial and emotional harm. Keeping all rights reserved, we have informed the apartment that we object to all the wrongfully charged fees and may request compensation for cost of relocation and emotional distress caused on their behalf and requested XXXXA full refund of all and any early termination fees deducted on our account, as we were forced out unlawfully. 
XXXXA revised move-out statement removing all unfair charges. 
-Proof of efforts to mitigate damages ( e.g., re-renting the unit ). 
- a total refund of our deposit which the apartment have deducted from our balance. 

to which they have never even responded and transferred the disputed amount to a collection institution.

Company response to consumer: Closed with explanation