Debt collection -- False statements or representation -- Complaint #5948910
Complaint Overview
Complaint ID: 5948910
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Missouri
ZIP Code: 645XX
Date Received: 2022-09-04T12:00:00-05:00
Date Sent to Company: 2022-09-04T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I lived in an apartment community in XXXX XXXX for over several years but I had to move out due to my health as I am XXXX and unable to work anymore. They keep telling all 3 credit bureaus that I owe {$1000.00} in which I do not owe. I went down to tell the apartment manager before the rent was ever due that I could no longer stay there because I faced eviction if I stayed. I was only getting around {$700.00} a month through SSDI at the time and the rent was {$650.00} plus utilities. I decided to go down and face the manager head on with my problem. I did not want to wait to tell her that I was no longer working at the XXXX there in XXXXAs you can see from above I would not have been able to stay in this apartment. I did apply for housing assistance but there was like a 3 year wait list already waiting. I moved in with my daughter which I did not want to intrude on her but had no where else to turn or stay at the moment. When I moved out, I took my keys to the manager and they insected the apartment for damage and found none. They just told me to make sure the appliances were clean as they were going to remodel this apartment anyway. They would tear these apartments down to the bare stud walls and start over. I know, I witnessed this as others had moved out. They also kept my {$350.00} deposit that I gave them when I moved out. No worries there as I was sure they would do this. Now this has been turned over to a collection agency in fact all 3 for {$1000.00} that I do not owe. I did what they asked of me. This is discrimination of my XXXX as well I feel. I can not help what happened to me. To be fair I wished I was still in my apartment and working at the XXXX Best job I have ever had in so many ways. When I tried to contact the Collection bureau they are nasty people and told me that they can not talk to me and that my XXXX is no worry for them. Hateful people and what they said I can not put into this letter. It is awful. I want this erroneous info removed immediately as it is keeping me XXXX No collection agency has a right to treat people this way. Do not rent from XXXX XXXX XXXX Apts. This is terrible I need a place to live. I have disputed this info several times to all 3 credit bureaus as it is wrong and keeping me homeless. To no avail.
Frequently Asked Questions
What is Complaint #5948910 about?
Complaint #5948910 was filed against National Credit Systems,INC. regarding Debt collection specifically about False statements or representation. It was received by the CFPB on 2022-09-04T12:00:00-05:00.
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.