Debt collection -- Attempts to collect debt not owed -- Complaint #5895431
Complaint Overview
Complaint ID: 5895431
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: New York
ZIP Code: 10512
Date Received: 2022-08-18T12:00:00-05:00
Date Sent to Company: 2022-08-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
National Credit Systems , Inc. ( NCS ) is collecting an alleged debt on behalf of XXXX XXXX XXXX XXXX ( XXXX ). XXXX was the landlord on a rental property to which I was a lessee. XXXX claims that I owe {$420.00}. This amount consists of a {$730.00} Notice to Vacate charge and {$370.00} in maintenance/cleaning charges, less the amount from my security deposit of {$680.00}, which XXXX has kept. I have sent several responses to NCS demonstrating that the {$730.00} charge was improper and not owed to XXXX because their tenants did not vacate early and they paid rent through the end of the lease term. The lease states that this charge is not owed " if you are moving out on the Lease term ending date, '' which is when the tenants moved out. The tenants also properly executed a " Notice to Vacate '' and filed it with XXXX. I further challenged the {$370.00} in maintenance/cleaning charges, requesting backup to prove that all of the claimed charges were necessary and were actually incurred by XXXX. Even if XXXX can substantiate the {$370.00} in maintenance/cleaning charges, XXXX still owes me a REFUND of {$300.00} for the improperly assessed Notice to Vacate charge of {$730.00}. Despite my timely communications with NCS, they have failed to address my dispute of XXXX 's claim and have reported this debt to collection agencies, thereby improperly and unfairly harming my credit score.
Frequently Asked Questions
What is Complaint #5895431 about?
Complaint #5895431 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 2022-08-18T12:00:00-05:00.
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.