Consumer complaint received 2017-07-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: NCC Business Services, Inc.
State: OH

Complaint narrative:
After the housing company sent my debt to a collections agency, I tried reaching out to them one last time in the form of a letter, delivered by certified mail. In it, I asked the company to drop the debt, as they still had not proven legitimacy of the debt, nor had they made any attempt to put the debt through a dispute process. <P/>I asked them to please contact me if they still planned on sending the debt through to affect my credit, so we could finally discuss the debt, otherwise I would assume the matter was settled. <P/>I sent that letter on XX/XX/XXXX. I never received a response from the company, however they waited until the middle of XXXX to finally report the debt to the big three credit companies. I find this behavior appalling. <P/>... <P/>In my previous CFPB complaint, the company responded with documentation of the damages to the property. They have made it clear they do not understand this situation, so perhaps I need to be more blunt. <P/>The things that needed cleaning both in and out of the house were already paid. I utilized a cleaning company that the housing company recommended ; both the cleaning company and the housing company promised ( both verbally and in written document form ) that this cleaning company would guarantee a passing final, and anything they did not complete prior to the final out, the cleaning company could finish after. <P/>So, therein lies the dispute. I was promised if anything did n't get finished by the cleaning company, the housing company would not hold cleaning charges against me in the final out. However, I ended up paying the cleaning company in full, as well as a demand by the housing company to pay more money for cleaning. <P/>I attempted to speak reasonably with the housing company already, however I was spoken to most unprofessionally, and was demanded to pay the full amount regardless of the on-base legal office that also verified my claim that I was not liable for the full amount. <P/>I do not feel like this matter ever should have gone to a collection agency without fully completing a dispute process, especially after the housing company quite literally stole the money from me anyway. The money was returned after some argument, however that is not an excuse to simply push my case to the credit companies. <P/>It is especially disconcerting since I had attempted conversation again in the form of a certified-mail letter, which explicitly stated that I would consider this matter closed if I did not receive a response, and I did not get a response. I have attempted to be civil and polite throughout this entire process, but so far I have been lied to, treated poorly, and now ultimately ignored to the point where I have been harmed in the form of affecting my credit negatively. <P/>I have made my argument quite clear to everyone involved with the housing company, and those arguments have been verified by legal officials. This act of attacking my credit without cause or attempted communication with myself should be looked at as an act of defacement.

Company response to consumer: Closed with explanation