Debt collection -- Attempts to collect debt not owed -- Complaint #12112739
Complaint Overview
Complaint ID: 12112739
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Virginia
ZIP Code: 22191
Date Received: 2025-02-17T12:00:00-05:00
Date Sent to Company: 2025-02-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I previously resided at XXXX XXXX XXXX in XXXXXXXX XXXX. Upon my move-out, I provided more than 30 days ' notice and ensured that my balance was paid in full. Despite this, I later received a collection letter falsely stating that I owed {$10000.00}. I immediately disputed this claim. Subsequently, a revised letter was sent claiming I now owed {$4600.00}. I have made multiple attempts to contact the apartment management to obtain documentation supporting these alleged debts but have not received any response. Actions Taken by Me : Provided over 30 days ' notice of my move-out. Paid my balance in full as per the agreement. Disputed the initial debt claim of {$10000.00}. Attempted to contact the management for documentation regarding the revised claim of {$4600.00} without success. Actions Taken by the Company : Issued a collection letter for a debt of {$10000.00}, which was disputed. Revised the debt amount to {$4600.00} without providing any supporting documentation or response to my inquiries.
Frequently Asked Questions
What is Complaint #12112739 about?
Complaint #12112739 was filed against National Credit Systems,INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2025-02-17T12:00:00-05:00.
How did National Credit Systems,INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against National Credit Systems,INC.?
Yes, visit the National Credit Systems,INC. company profile at readthecomplaint.com/company/national-credit-systems-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.