Debt collection -- Attempts to collect debt not owed -- Complaint #6176262
Complaint Overview
Complaint ID: 6176262
Company: National Credit Systems,INC.
Product: Debt collection
Sub-Product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Florida
ZIP Code: 34667
Date Received: 2022-11-07T12:00:00-05:00
Date Sent to Company: 2022-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I rented an apartment in XXXXXXXX XXXX from XX/XX/XXXX until XX/XX/XXXX. At the end of the lease I was charged {$3400.00} for early lease termination and a remaining {$10.00} for water/sewer charge. The total was {$3400.00} as a remaining balance and that total sum was paid by check # XXXX which posted on XX/XX/XXXX. It was confirmed by the apartment management that the account was settled and closed in XX/XX/XXXX. National Credit Systems , INC . XXXX XXXX XXXX XXXXXXXX XXXX XXXX has persisted in attempting to collect a debt that was settled. I received constant collection calls and letters despite all indications that the apartment management has listed the account as paid and did not turn this account over to collections. National Credit Systems , INC requires all correspondence be sent via postal mail, but will not acknowledge any information I send them. They have reported to all three credit agencies that I have a delinquent debt for the months of XXXX and XXXX which has dropped my credit rating nearly XXXX points. Despite contact from both the apartment management and myself they will not remove this collection debt unless I pay them and additional {$3400.00}. I have attached a copy of the posted check, the account ledger from the apartment complex, a screenshot of an e-mail sent from the apartment manager to the credit agency stating they were informed in XXXX that the account was settled and should not be in collections, a copy of a letter received from National Credit Systems dated XX/XX/XXXX stating the debt still stands, and a screenshot of an XXXX credit report showing the false debt.
Frequently Asked Questions
What is Complaint #6176262 about?
Complaint #6176262 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 2022-11-07T12:00:00-05:00.
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.