Debt collection -- Attempts to collect debt not owed -- Complaint #18818115
Complaint Overview
Complaint ID: 18818115
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: Georgia
ZIP Code: 31088
Date Received: 2026-01-18T12:00:00-05:00
Date Sent to Company: 2026-01-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I moved into a first-floor apartment where the back patio door lock was broken at move-in. The defective lock was documented in a signed move-in inspection and reported through a high-priority maintenance request on XX/XX/year>. Despite multiple follow-ups in person and by phone, the lock was never repaired. On XX/XX/year>, while the patio door remained unsecured, my apartment was broken into and property was stolen. A police report was filed documenting the burglary. The patio door was the only known unsecured point of entry, as the front door and windows were locked. Following the break-in, I formally requested to terminate my lease without penalty due to the unresolved security issue and safety concerns. Despite the documented maintenance requests, police report, and written notice to management, the landlord assessed charges that were later sent to collections. I disputed this debt with all three credit bureaus. XXXX deleted the account for failure to verify, and the debt is not currently reporting with XXXX XXXX XXXX The collection agency has not provided documentation showing that I am legally obligated to pay these charges.
Frequently Asked Questions
What is Complaint #18818115 about?
Complaint #18818115 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 2026-01-18T12:00:00-05:00.
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.