Consumer complaint received 2021-01-11
Company: PDQ Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX To Whom It May Concern ; I would like to make a formal complaint about XXXX XXXX XXXX. Located XXXX XXXX XXXX  XXXX XXXX, XXXX, GA XXXX. The account number they have for the account is ending # # XXXX and the amount owed is {$22000.00}. 
I have several complaints against this company regarding this account. 
1. Per the Section 809 ( a ) of the FDCPA, 15 U.S.C. 1692g ( a ). I am entitled to receive a letter within 5 days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice. 
a. Violation # 1 I never received a written notice from PDQ Services Inc. Since I did not receive this letter within 5 days. They took away my right to dispute within 30 days. 
b. Violation # 2 - This collection was placed on my credit report and I only found out about it when my report was pulled in XX/XX/2020. 
c. Violation # 3 - " Laffranchini, 39 Nev. 48, 153 P. at 252. Parties may be considered volunteers if, in making a payment, they have no interest of their own to protect, they act without any obligation, legal or moral, and they act without being requested to do so by the person liable on the original obligation. Henningsen v. United States Fidelity Guar. Co., 208 U.S. 404, 411 ( 1908 ) ; Smith v. State Sav. & Loan Ass'n, 175 Cal . App. 3d 1092, 1098, 223 Cal. Rptr. 298, 301 ( 1986 ) ; Norfolk & Dedham Fire Ins. Co. v. Aetna Casualty & Surety Co., 132 Vt. 341, 344, 318 A.2d 659, 661 ( 1974 ). 
2. I requested from PDQ in writing to validate this debt. I asked for documentation bearing my signature. What I received from PDQ Services Inc was an itemized bill and stated the debt had been validated ( see attached ). I sent a 2nd letter advising that my first request had not been satisfied. Again, I received the same thing I received the first time. Which was an itemized bill stating the account was validated. I also asked for the method that was used to validate this information. 
a. Violation # 4 I am entitled to receive a copy of the contractual agreement that I owe PDQ Services any monies. 
b. Violation # 5 I am entitled to receive a copy of the contractual agreement bearing my signature from the original creditor. I am also entitled to documentation that the amount owed is accurate. An apartment can put any figures on this form as they would like. Example, on this itemized bill it has XXXX XXXX. How can XXXX XXXX collect for XXXX XXXX. These are two different entities. 
c. Violation # 6 According to Attorney XXXX XXXX XXXX, a printout of a bill or itemized document does not constitute verification. 
3. The original creditor is XXXX XXXX Apartments. Per the Georgia landlord-tenant law, I am entitled to inspect and receive a move -out list and a list of all damages within 3 days of the landlord receiving possession of the property. I have never received anything from XXXX XXXX stating that I owe such amount.

a. Violation # 7 Since I did not receive this information it took way my opportunity to dispute at that point. As well as make any arrangements to pay the alleged debt before any such collection activity began. 
I have sent 3 notices to PDQ Services Inc to resolve this matter to no avail. My request is that this debt be removed from my credit report immediately or I will seek legal counsel and representation. 
If you have any further questions or concerns, please feel free to contact me at the address listed on the letter above. 

XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation