Debt or credit management -- Charged upfront or unexpected fees -- Complaint #18144373
Complaint Overview
Complaint ID: 18144373
Company: National Credit Systems,INC.
Product: Debt or credit management
Sub-Product: Debt settlement
Issue: Charged upfront or unexpected fees
State: Tennessee
ZIP Code: 38017
Date Received: 2025-12-04T12:00:00-05:00
Date Sent to Company: 2025-12-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am disputing a collection account reported by my previous rental property and National Credit System/National Credit Systems . The apartment landlord charged me for XXXX XXXX cleanup and paint damage during move-out. These charges are inaccurate, unsupported, and not based on the actual condition of the property. I am formally disputing an inaccurate entry appearing on my credit report related to a move-out balance claimed by The XXXX at XXXX associated collection agency This reported balance of {$640.00} is not valid and should be removed from my credit file. The charge is currently under formal dispute with the property management. I have attached documentation proving that these charges are unjustified and unverified. Specifically : The alleged pest control and kitchen repair fees were not tenant-caused. I had reported XXXX issues to the leasing office during my tenancy, but management failed to take timely action. The kitchen surfaces were poorly sealed when we moved in, and normal use led to minor staining not damage. The management team did not respond to multiple follow-ups from XXXX until mid-XXXX, despite repeated requests for clarification. Attached are copies of my email correspondence showing that management did not address or validate the charges for nearly two months.
Frequently Asked Questions
What is Complaint #18144373 about?
Complaint #18144373 was filed against National Credit Systems,INC. regarding Debt or credit management specifically about Charged upfront or unexpected fees. It was received by the CFPB on 2025-12-04T12:00:00-05:00.
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 or credit management) 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.