Debt collection -- Took or threatened to take negative or legal action -- Complaint #4514777
Complaint Overview
Complaint ID: 4514777
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Maryland
ZIP Code: 21202
Date Received: 2021-07-04T12:00:00-05:00
Date Sent to Company: 2021-07-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021, I'd applied for a one bedroom apartment with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, OH XXXX. On XX/XX/2021, community managers XXXX XXXX and XXXX XXXX sent an email notification to inform me that my application was denied. When I did not hear back from XXXX XXXX XXXX about the return of my security deposit in the amount of XXXX XXXX XXXX dollars, I'd ask my bank to dispute the amount of my security deposit. On XX/XX/2021, my bank credited my account with the security deposit in the amount of XXXX XXXX XXXX dollars. XXXX XXXX XXXX opened a collection account against me with National Credit Systems by creating a balance of XXXX XXXX XXXX XXXX dollars that I do not owe. National Credit Systems threatened that the balance with XXXX XXXX XXXX will damage my credit if I did not pay it. I do not owe this balance. My concern is not only for myself. XXXX XXXX XXXX may be in the practice of charging prospective apartment renters for the money for security deposits that they never return to applicants who are denied rental apartments.
Frequently Asked Questions
What is Complaint #4514777 about?
Complaint #4514777 was filed against National Credit Systems,INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2021-07-04T12:00:00-05:00.
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 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.