Consumer complaint received 2023-11-27
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Rental debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
OVER 5-6 YEARS AGO MY EX-HUSBAND AND I RESIDED AT AN APARTMENT COMPLEX KNOWN AS XXXX XXXX ( WHICH IS LOCATED IN XXXX TX ) . THE MANAGEMENT COMPANY IS KNOWN AS XXXX XXXX XXXX. IN XX/XX/2019 MY EX-HUSBAND AND I SEPARATED. I HAD RECENTLY GIVEN BIRTH TO MY SON WHO WAS 6 MONTHS AT THE TIME OF THE SEPARATION. SHORTLY AFTER THE SEPARATION MY SON AND I WERE EVICTED. AN ESTIMATED BALANCE OF ALMOST {$4100.00} BECAME DUE. I WAS THEN INFORMED BY THE PROPERTY MANAGER THAT THE BALANCE HAD BEEN FORWARDED TO A DEBT COLLECTION COMPANY BY THE NAME OF " PROCOLLECT SERVICES ''. BEFORE MY SON AND I MOVED INTO OUR NEW APARTMENT AT ANOTHER COMMUNITY, I REACHED OUT TO PROCOLLECT TO SEE IF THEY WOULD SETTLE THE ACCOUNT FOR AROUND {$2000.00}, AND WAS TOLD NO. FROM THAT POINT, AND NOW OVER 5 YEARS I HAVE ASKED PROCOLLECT TO WORK WITH ME AND ALLOW ME TO START MAKING PAYMENTS ON THIS ACCOUNT. I HAVE BEEN TOLD " NO '' NUMEROUS OF TIMES TO ANY AMOUNT I TRY TO PAY ON THIS ACCOUNT. THE REPRESENTATIVES WITH PROCOLLECT HAVE TOLD ME OVER AND OVER THAT THEY WILL NOT TAKE PAYMENT IF IT IS NOT THE FULL BALANCE. I HAVE REACHED OUT TO THE SAME PROPERTY MANAGER OVER 3-4 TIMES OVER THE LAST 5 YEARS, AND MADE HER AWARE OF THE COLLECTION AGENCY TACTICS AND HOW THEY HAVE REFUSED TO TAKE ANY PAYMENT FROM ME. RECENTLY, I TRIED AGAIN TO CALL PROCOLLECT AND I SPOKE WITH A LADY WHO STATED HER NAME WAS XXXX XXXX. SHE TOLD ME I COULD ONLY SPEAK TO HER REGARDING THIS ACCOUNT. WHEN I SPOKE TO HER SHE WAS VERY RUDE, WOULD NOT ALLOW ME TO EXPLAIN MY SITUATION, AND STATED THAT EVERYTHING I WAS SAYING TO HER WAS EXCUSES, AND IRRELEVANT. SHE STATED THAT SHE WOULD DROP THE BALANCE DOWN TO XXXX ( XXXX XXXX OFF ) AND THAT I HAD UNTIL XXXX ( THAT DAY ) ( IN XXXX HOURS TO PAY THAT AMOUNT OR THE BALANCE WOULD GO BACK UP TO {$4000.00}. I INFORMED HER THAT I DID NOT HAVE CLOST TO {$2500.00} THAT DAY AND THAT I WAS CURRENTLY AT WORK ( IT WAS AROUND XXXX CST WHEN I CALLED ) I INFORMED HER THAT I COULD NOT GET {$2500.00} TO HER IN XXXX HOURS. HOWEVER, I DID INFORM HER THAT I HAD A TUITION REIMBURSEMENT IN THE AMOUNT OF {$1100.00} TO BE SENT TO MY ACCOUNT THE NEXT DAY AND THAT I COULD PAY THAT TOWARDS THE ACCOUNT. XXXX XXXX THEN STATED " NO '' SHE WOULD NOT TAKE THAT. SHE STATED THAT THE XXXX HAD TO BE PAID IN FULL AND THAT PAYMENTS WOULD NOT BE ACCEPTED. I CALLED THE NEXT DAY AND WAS ADVISED BY HER CO-SUPERVISOR " XXXX XXXX '' THAT THE SETTLEMENT WAS NO LONGER AVAILABLE AND THAT THE PAYMENT WAS DUE IN FULL. I ADVISED XXXX XXXX THAT I WANTED TO STILL PAY THE {$1100.00} TOWARDS THE FULL BALANCE AND HE ALSO STATED " NO ''. AFTER SPEAKING TO SEVERAL REPRESENTATIVES WHO REFUSED TO HELP ME, DISCONNECTED THE CALL REPEATEDLY IN MY FACE, SCREAMED AND STATED THAT THEY DO NOT CARE ABOUT OUR FINANCIAL STANDING I INFORMED ME THAT THEY LEFT ME WITH NO CHOICE BUT TO CONTACT THE PROPERTY MANAGER AGAIN AND INFORM THEM OF THEIR REFUSAL TO TAKE ANY PAYMENT FROM ME. AFTER REACHING OUT TO THE PROPERTY MANAGER SHE TOLD ME SHE WAS GOING TO REACH OUT TO HER SUPERVISOR. SHORTLY AFTER A FEW HOURS, THE PROPERTY MANAGER INFORMED ME THAT HER SUPERVISOR HAD ADVISED HER TO GET THE CONTRACT THAT PROCOLLECT HAS WITH XXXX XXXX OR THE MANAGEMENT COMPANY ( XXXX XXXX XXXX ). SHORTLY AFTER THE MANAGERS TRIED THREE TIMES TO GET THE CONTRACT PROCOLLECT REFUSED TO GIVE THE CONTRACT. CORPORATE THEN CONTACTED THE PROPERTY MANAGER AND HER SUPERVISOR AND MADE HER AWARE THAT THERE WAS NEVER A CONTRACT WITH PROCOLLECT AND XXXX XXXX OR XXXX XXXX. I THEN ADVISED THE ACCOUNTS PAYABLE MANAGER AND THE PROPERTY MANAGER THAT THE BALANCE IS NOW NULL AND VOID BECAUSE NOT ONLY DO THEY NOT HAVE AN CONTRACT WITH THIS COMPANY, BUT MY INFORMATION WAS GIVEN TO THEM ILLEGALLY, AND THAT THE REFUSAL FROM PROCOLLECT OVER 5 YEARS TO TAKE ANY PAYMENT FROM ME CANCELS THE DEBT AND IS NO LONGER OWED. A MANAGER THAT I SPOKE TO STATED THAT THE APARTMENT COMPLEX HAS A RELATIONSHIP WITH THE COLLECTION COMPANY BUT HAS NEVER HAD A CONTRACT. I ADVISED THEM THEM THAT THE TERM '' RELATIONSHIP '' WILL NOT HOLD UP IN A COURT OF LAW, AND THAT THE FACT THAT THEY DO NOT HAVE A " CONTRACT ' MAKES THIS ACCOUNT BALANCE VOID AND THAT PROCOLLECT DOES NOT HAVE RIGHTS TO COLLECT THIS BALANCE AND THEREFORE WILL HAVE TO BE REMOVED FROM ALL THREE OF MY CREDIT REPORTS. THE PROPERTY MANAGER, HER SUPERVISOR, AND THE ACCOUNTS PAYABLE MANAGER AGREED THAT SINCE THERE WAS NO CONTRACT PROCOLLECT COULD NOT COLLECT THE BALANCE AND WOULD HAVE TO REMOVE THE ACCOUNT FROM MY CREDIT REPORT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation