Consumer complaint received 2025-12-24 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: AZ

Complaint narrative:
I am formally disputing the collection account related to my former landlord, XXXX XXXX, via attempts to collect on behalf of National Credit Systems INC. The account in question pertains to an alleged debt resulting from lease termination due to the unethical conduct of XXXX XXXX. 

I entered into a lease agreement with XXXX XXXX for the property located at XXXX XXXX XXXX XXXX XXXX. on XX/XX/year>. Regrettably, during my tenancy, XXXX XXXX repeatedly violated the terms of the lease agreement by failing to maintain the property in several ways which led to injury and the almost-death of my pet. 

For XXXX, the refrigerator was malfunctioning and causing large puddles of water to leak all over the kitchen floor which resulted in several slip-and-fall accidents, which at XXXX point caused injury to my tailbone. I had guests in my home who also slipped and injured themselves because of the puddles. Maintenance crew came to the property and investigated the malfunction, told me they were going to communicate the issue to the property managers and get back to me. The crew never followed up which resulted in filing multiple maintenance requests with the same results. This happened at least XXXX times. Despite numerous maintenance requests, the issue was never resolved, necessitating makeshift measures to mitigate hazards. 

Another violation was the non-functioning pool light which posed safety risks including an incident where my senior mother was visiting me at the property. She went outside during the evening and fell into the pool because of the lack of sufficient lighting, injuring her knee. Also, on multiple occasions my senior dog fell into the pool and almost drowned because of the lack of sufficient lighting. I could not let my dog outside during the evenings without supervision because of this. Alas, she could see the pools perimeters during daylight hours. I made several attempts to have the pool light replaced which were all subsequently ignored or flat-out denied. Additionally, there were several outlets and light switches throughout the property that just did not function and all attempts for maintenance were disregarded. 

Per the lease, all electronics, appliances and lights must be in working order at landlords expense. 

Structural integrity was also compromised when a twenty-pound roof shingle fell dangerously close to me during a storm, highlighting neglect in maintaining essential structural elements of the property. This wanton disregard could have resulted in death. I made attempts to reach out to XXXX to have the roof serviced which were all disregarded. 

Per the lease, all structural elements must be maintained at landlords expense. 

For the first several weeks of the lease, multiple crew members walked onto the property and into the house without notice or even knocking, Im assuming in order to perform last-minute detailing for my move-in. There was no communication between them and the property managers explaining that there was already a tenant living at the property. 

Per the lease, appearances from the landlord and/or contractors must be given XXXX-hour written notice. 

Additionally, the neighborhood became a dangerous and unacceptable living situation. At XXXX point, I was harassed and then attacked by an intoxicated neighbor. This situation, along with these breaches of contract significantly impacted my ability to peacefully reside in the property and compelled me to terminate the lease prematurely. 

As per Arizona landlord-tenant laws and the terms outlined in the lease agreement, I provided XXXX XXXX with written notice of these breaches and my intention to vacate the premises. Despite multiple attempts to resolve these issues, XXXX XXXX refused to acknowledge any wrongdoing or neglect whatsoever. They wouldnt respond to any of my statements about my injuries, harassment, the malfunctioning elements of the house or the near-death experiences of my dog forcing me to relocate in order to maintain my well-being and living standards. 

XXXX unethically billed me over {$10000.00} in unsubstantiated charges including move-out fees that were not outlined in the lease ; for instance fees for an untrimmed shrub and many other nonsensical and unjustified charges. Despite these ridiculous charges, I immediately paid them what was lawful and ethical. 

I made several attempts to dispute the other charges which were met with disregard and continued billings which could be argued as harassment. Please understand that there is no customer service line or even direct email and you are not given the option to speak to a real person. All communication as well as access to the lease is done through an online portal where you submit a request and wait for a response, ultimately never hearing from them again and eliminating the ability to adequately record grievances. Despite multiple attempts to communicate their lease breaches, I have not received any response from them, yet they persist in sending bills. This ongoing situation has been exceedingly frustrating and antagonistic. 

Upon investigation, I learned that XXXX XXXX has a XXXX star rating on the Better Business Bureau with over XXXX complaints filed. For the XXXX office alone, there are thousands of complaints posted via XXXX and XXXX reviews detailing traumatic experiences from other tenants. It has become evident that this company engages in unethical practices, violates laws, and perpetrates scams against individuals. 

Given the circumstances outlined above, I dispute any financial obligation to XXXX XXXX beyond what was lawful and contractual. The debt being pursued does not accurately reflect the true nature of my departure from the property, which was necessitated by the landlord 's failure to uphold their obligations under the lease agreement.

Company response to consumer: Closed with explanation