Consumer complaint received 2026-01-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Business Processing Solutions, LLC
State: MA

Complaint narrative:
In XXXX  XXXX I received the following communication from XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reminder Non Renew Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Letter ID : XXXX ID : XXXX : XXXX Dear XXXX XXXX : Why are you receiving this XXXX XXXX 
Its time to renew your drivers license or ID card, but you have outstanding obligations that must be cleared before you can renew. The XXXX can not renew your drivers license until you resolve the issue ( s ) listed below. 
This letter also has important information about the new policies and procedures the XXXX is following to comply with the Federal REAL ID Act. 

What do you need to do?

1. Pay the outstanding obligation ( s ) for the following and get a clearance receipt ( if the city, town, or agency electronically clears the obligation from your record, you do not need a receipt ). 
Contact the issuing city or town listed below to pay the outstanding obligation and get a receipt of your payment. Once these obligations have been resolved, you can renew your vehicle registration online by visiting XXXX XXXX 
For outstanding excise tax, contact the issuing city/town Collectors Office For unpaid parking tickets and abandoned vehicles, contact the issuing city/town Parking Clerk For tolling obligations, contact XXXX  XXXX XXXX Note : If the obligation is cleared electronically, a receipt may not be necessary. 

Pay By Plate Pursuant to XXXX XXXX XXXX, XXXX, it is your obligation to resolve the toll violation ( s ) and provide the proper clearance to the XXXX. 
Ticket # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I called XXXX to see what are tolls were unpaid as I have had XXXX XXXX for over XXXX  years with the same checking account for XXXX  years which my XXXX XXXX was attached. They said that the account card which was tied to it expired since XX/XX/XXXX and that this account has been sent to PAM their collection agency I needed to reach out to them they had no information on what I owed. I reached out to PAM and they told me on the phone there was {$800.00} worth of tolls. I said could you please tell me the tolls that total {$800.00} the told me I needed to request this in writing and gave me the address account number associated as well as the ticket number I sent them the following via return receipt request : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Attn : Pam XXXX  - XXXX XXXX XXXX XXXX I am writing in response to your communication on XXXX regarding account # XXXX and ticket # XXXX Pursuant to my rights under the fair Debt Collections Practice Act ( 15USC 1692g ) I am requesting a validation and a breakdown of the alleged debt. Please provide documentation that verifies : 1. The amount an itemized breakdown 2. Name and Address of the original creditor 3. Proof I am legally obligated to pay this debt 4. Documentation that you are authorized to collect on this account 5. Date of the alleged debt and date of last payment Until you provide the requested validation, please cease all collection activity, including reporting, this debt to any credit reporting agencies. This request is not an acknowledgment of liability for this debt. 

Please note current address is XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Former addresses for the past XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX I received the following letter back from them : PAMProfessional Account Management Monday Friday XXXX XXXX ( XXXX ) Closed Saturday and Sunday XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Plate : XXXX This notice is in response to your inquiry concerning the above referenced account to XXXX XXXX. Notices are mailed to the address of record with the state agency who issued your license plate. If you changed your address with the XXXX XXXX XXXX XXXX XXXX prior to the date that the violation/citation was issued, please send proof that the address was changed and the date on which it was changed for us to properly evaluate your claim. Please be advised that we are unable to process your correspondence for the above referenced account until we receive additional information. 
If you have any additional questions or need further assistance, please call our customer service center at XXXX. 
This communication is from a debt collection agency. This is an attempt to collect a debt and any information obtained will be used for that purpose. 
You have the right to make a written or oral request that telephone calls regarding your debt not be made to you at your place of employment. Any such oral request will be valid for only ten days unless you provide written confirmation of the request postmarked or delivered within XXXX days of such request. You may terminate this request by writing to the debt collector. 
Office Hours : XXXX XXXX XXXX XXXX XX/XX/XXXX I responded with the following letter sent over night signature required to both the mass department registry and PAM. I ccd them both on the letters sent To PAM I sent the following : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Professional Account Management XXXX XXXX XXXX XXXX XXXX XXXXXXXX RE : Account No. XXXX To Whom It May Concern, I am in receipt of your letter dated XX/XX/XXXX, sent in response to my timely request for debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g.

Your response does not constitute proper validation of the alleged debt. A request that I provide documentation or proof of address does not satisfy your burden under the FDCPA. To date, you have failed to provide : Verification of the original debt from the creditor A copy of the original citation or notice Proof that the debt is legally owed by me Proof that you are authorized to collect on behalf of the original creditor An itemized accounting of the amount alleged to be owed Until such validation is provided, you must cease all collection activity, including but not limited to phone calls, letters, and credit reporting, pursuant to 15 U.S.C. 1692g ( b ).

If you continue collection efforts without proper validation, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau, the Massachusetts Attorney General, and the Federal Trade Commission. 

This letter is not a refusal Sincerely, XXXX XXXX XXXX XXXX XXXX PAM To XXXX XXXX I sent the following To Whom It May Concern, I am requesting records related to any citation, toll violation, or administrative penalty associated with license plate XXXX. 

Please provide : Date and location of the alleged violation Original amount and any added fees Proof of notice ( s ) sent Proof of adjudication or final disposition Documentation showing referral to collections, if applicable This request is for my personal records. 

Thank you, XXXX XXXX XXXX : XXXXXXXX XXXX XXXX  In both I included the communication and requests I have made to PAM as directed by them and XXXX of XXXX  I called XXXX to see what are tolls were unpaid as I have had XXXX XXXX for over XXXX  years with the same checking account for XXXX  years which my toll reup was attached. They said that the account card which was tied to it expired since XX/XX/XXXX and that this account has been sent to PAM their collection agency I needed to reach out to them they had no information on what I owed. I reached out to PAM and they told me on the phone there was {$800.00} worth of tolls. I said could you please tell me the tolls that total {$800.00} the told me I needed to request this in writing and gave me the address account number associated as well as the ticket number I sent them the following via return receipt request : XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Attn : Pam Collections - XXXX  XXXX XXXX XXXX I am writing in response to your communication on XXXX regarding account # XXXX and ticket # XXXX Pursuant to my rights under the fair Debt Collections Practice Act ( 15USC 1692g ) I am requesting a validation and a breakdown of the alleged debt. Please provide documentation that verifies : 1. The amount an itemized breakdown 2. Name and Address of the original creditor 3. Proof I am legally obligated to pay this debt 4. Documentation that you are authorized to collect on this account 5. Date of the alleged debt and date of last payment Until you provide the requested validation, please cease all collection activity, including reporting, this debt to any credit reporting agencies. This request is not an acknowledgment of liability for this debt. 

Please note current address is XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Former addresses for the past 3XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Sincerely, XXXX XXXX I received the following letter back from them : Today XX/XX/XXXX I responded with the following letter sent over night signature required to both the XXXXXXXX XXXX XXXX and PAM. I ccd them both on the letters sent To PAM I sent the following : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXX Professional Account Management XXXX XXXX XXXX XXXX XXXX XXXX  RE : Account No. XXXX To Whom It May Concern, I am in receipt of your letter dated XX/XX/XXXX, sent in response to my timely request for debt validation under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. 

Your response does not constitute proper validation of the alleged debt. A request that I provide documentation or proof of address does not satisfy your burden under the FDCPA. To date, you have failed to provide : Verification of the original debt from the creditor A copy of the original citation or notice Proof that the debt is legally owed by me Proof that you are authorized to collect on behalf of the original creditor An itemized accounting of the amount alleged to be owed Until such validation is provided, you must cease all collection activity, including but not limited to phone calls, letters, and credit reporting, pursuant to 15 U.S.C. 1692g ( b ). 

If you continue collection efforts without proper validation, I will pursue all available remedies, including filing complaints with the Consumer Financial Protection Bureau, the Massachusetts Attorney General, and the Federal Trade Commission. 

This letter is not a refusal Sincerely, XXXX XXXX XXXX XXXX XXXX XXXXXXXX To XXXX XXXX I sent the following To Whom It May Concern, I am requesting records related to any citation, toll violation, or administrative penalty associated with license plate XXXX. 

Please provide : Date and location of the alleged violation Original amount and any added fees Proof of notice ( s ) sent Proof of adjudication or final disposition Documentation showing referral to collections, if applicable This request is for my personal records. 

Thank you, XXXX XXXX XXXX : XXXX XXXX XXXX In both I included the communication and requests I have made to PAM as directed by them and XXXXXXXX XXXX XXXX

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