Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I'm not sure where to begin. I am dealing with a collection agency called Pro Collect for a debt from an apartment complex called Elevation on Post in XXXX XXXX, Texas. I am not disputing the debt. I am a concerned debtor who doesn't want to get scammed. Given the way representatives from Pro Collect have interacted with me, and the things that they require I do to pay on my account, I don't trust this company. At. All. 

Today, XX/XX/year>, I chatted with, yet again, another Pro Collect representative. I can't do this anymore. I want to pay this debt, but I will no longer interact with Pro Collect. 

Here is the backstory : On or around XX/XX/XXXX, I began sincere attempts to pay the debt I owed to Pro Collect. At first, I asked if they could settle with me. They refused. The representative wasn't the friendliest person I'd ever met, and she made sure I knew who held the power, and who held debt. I told her that I would see what I could fit the total in my budget. It started from there. I realized that the total amount was a lot to fit in my expenses, so I called back again ask them to reconsider, hoping I would be able to talk to somebody less aggressive. That next representative was just as cold. I asked about a payment plan. I was told they don't offer them. FIRST RED FLAG. 

I had to pay the account in full, all or nothing. RED FLAG. 

I honestly don't remember how many times I called them just to make sure they were legit. I still can't tell. I was told that Pro Collect would only accept money orders, or from XXXX XXXX, or mailed to their address. RED FLAG I found a payment link online, on their website ( albeit fishy ). The representative I spoke to about this seemed to know nothing about it. RED FLAG. I mentioned to the representative that I have a spending limit on my account, so I would probably have to break up my {$2700.00} bill into smaller pieces anyway. He said it all has to be paid by the end of the month through Money Orders. RED FLAG I mentioned to him that I don't have the time to go get multiple money orders in a span of days. He was extremely rude, said that was my choice. Then I mentioned to him, that one veteran to another, how he was talking to me instead of trying to understand my situation was disrespectful. He then told me that he was going to mark me down as refusing to pay my bill. RED FLAG Yes, I did tell him to go to * * * *. I was completely frustrated. I do apologize for this.

On Pro Collect 's website, the link to make payments begins with capturing the debtor 's pertinent information, including account number, but when the payment screen pops up, there is no verification that I am paying the correct debt. RED FLAG. To be sure that I was not being scammed, I entered a smaller payment of {$100.00} dollars to see if it would process. I received nothing in response, no verification email, nothing. RED FLAG Tonight, I tried one last time to communicate with Pro Collect. It is my last attempt. I will not deal with this company anymore. 

I got off the chat with a representative named XXXX XXXX and was told that Pro Collect couldn't accept anything less than the full amount, so the payment was rejected, which sounds completely odd to me. RED FLAG The representative then gave me some options to pay and said I could set up a payment plan. Since, I had been told that they didn't offer payment plans on a previous call, I was confused. RED FLAG I asked XXXX XXXX about the discrepancy, and she didn't answer me, but she replied and said she would be marking my file as a refusal to pay. RED FLAG This is grossly untrue. As stated earlier, this has happened before with this company. This seems to be a policy of theirs, when they don't want to answer questions or listen to information they don't want to hear. I have NEVER refused to pay. I have initiated all contact with this company, and I am very eager to put his behind me. I have made that clear. And they still treated me this way. 

Every time I chatted with a representative of Pro Collect, they asked me for my full SSN. I told the representative that I didn't feel comfortable giving my full SSN, and that most collection agencies only require the last four, but the representative said I must give her the full SSN, or she couldn't chat further with me. RED FLAG At the end of today 's chat, I asked XXXX XXXX if she could provide me with all of my chat history with Pro Collect and she said she couldn't do that. RED FLAG I know collection companies need firm representatives. And people need to pay what they owe. But it doesn't help when I am told that I didn't pay this bill simply because I didn't want to, and now they have to handle it, which is completely unproductive and cruel. RED FLAG. Most people want to pay their bills. But they fall on hard times. For a person trying to take ownership of their debt, this is not only wrong, but operationally stupid. I can only imagine how they treat people who can't pay.

I told one of the representatives that I would be calling the original creditor, and he said they can't do anything for you. They would just route you back here. I did in fact call Elevation on Post, and told them my story, and they said that I could send them an email, and they would look into it, but they didn't know what they could do, if anything. It's their debt. It makes no sense. I didn't deal with them further.

This is only a summary of my treatment. I have had the unfortunate task of dealing with a lot of collection companies lately, and this is by far the worst when it comes to treating down-on-their-luck people like they absolutely do not matter. Given Pro Collect 's vague payment page, the representatives who have no idea that there is a payment page, their policy of rejecting partial payments, their unreasonable request for my full SSN, and trying to shame me as if I am refusing to pay what I owe simply because I am asking legitimate questions, or I am expressing frustration at how I am treating, leads me to deem this company completely untrustworthy and illegitimate. I have checked sources, and they do check out. Pro Collect is named on my credit report, and they seem to have an operator 's license. But something in my gut is telling me that they are crooks, just based on their operational policies and their abusive rhetoric about writing down my refusal to pay when it is an outright lie. 

Pro Collects address : Pro Collect, Inc XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Pro Collect 's phone number : XXXX Thank you for your time. 

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