Consumer complaint received 2026-02-25 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
On Monday, XX/XX/XXXX, I received an email alert from my XXXX XXXX credit card XXXX XXXX monitoring stating that " A recent update shows a major derogatory status on one of your accounts, indicating it has been reported as past due. '' I logged into my XXXX account to investigate and saw a claim that I owed over {$6000.00} which now was reported as collections on my account and significantly impacted my credit score and credit report. I then XXXX searched to determine who the collections agency was and how to contact them, then immediately called them ( National Credit Systems ) and was able to confirm this collection claim was from XXXX XXXXXXXX XXXX for " early termination fee and final rent payment '' which were both paid through XXXX XXXXXXXX XXXX payment app, XXXX, on XX/XX/XXXX and withdrawn from my bank account on XX/XX/XXXX. I stated at that time to National Credit Systems that I had paid the account in full, including those items specifically noted. They indicated I could dispute the debt and gave me instructions to do so. I have filed the dispute and evidence with National Credit Systems, and then I also went into my accounts for all 3 credit bureaus to dispute the collections with them as well. I also contacted XXXX XXXX but they were closed at the time so it went to an AI conversational bot to confirm how to direct my call. I tried twice but the system hung up on me both times when it indicated it would transfer - I received a text later on that morning from XXXX XXXX, their Assistant Property Manager and he claimed to be looking into it and that he would be in touch with me and that my account was showing as clear. On Wednesday, XX/XX/XXXX, I logged back into the portal provided for National Credit Systems and did not see any updated information including my submission of evidence. I called and left a voicemail for XXXX XXXX, my collections representative, asking her to call me back and confirm I had properly uploaded and disputed the claim. While waiting for response, I called XXXX XXXX and reached XXXX and he indicated that he is currently working on the problem but my account is showing paid in full and clear. He also mentioned that they had 2 or 3 other similar problems on other accounts and he was looking into the matter, which seemed suspicious. I asked him to recall the claim and he said he was working on it. When XXXX, collections representative called me back she said she could confirm I had been online in the account but it was another team that receives my dispute and evidence and would need to upload that to my account, which they had not yet done. I confirmed that they would do so soon, and she said yes. She also indicated she had disputed the collection on her end as well with the property. I mentioned to her I spoke with the property as well and they said my account was clear, at which time she told me that this likely went through their corporate office rather than the local one I spoke with. Finally, I asked XXXX why I had not been notified of this debt prior to being reported to my credit bureaus as my understanding is that is Florida law or part of the FDCPA, to which she said they had sent out a letter to the address I had vacated ( the lease that was terminated ) in XX/XX/XXXX. I indicated I had terminated my lease and did not live at that address but had my mail forwarded through XXXX so would have received any relevant letters by now in any case, but I have not. She said they sent them and I asked for proof of the letters to which she said she would have to ask her manager but she could not send them to me. I pressed asking for proof of the letters to have for record on my end and she again said she would ask her manager if they could send it to me and also confirmed my current address which they had accurately listed.

Company response to consumer: Closed with explanation