Consumer complaint received 2025-11-27 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Business Processing Solutions, LLC
State: GA

Complaint narrative:
To Whom It May Concern : I am formally disputing multiple errors involving my XXXX XXXX account and the subsequent collection actions initiated by Professional Account Management LLC ( PAM ), This letter also serves as a written dispute under Georgia law and requests an immediate halt to collection activity pending full investigation I have enclosed a letter from XXXX XXXX XXXX XXXX verifying that my bank card was compromised due to fraud. This demonstrates that missed payments and associated fees were caused by circumstances beyond my control. 
Notice Dated XX/XX/XXXX On or after XX/XX/XXXX, I received a letter indicating a toll violation allegedly occurring on XX/XX/XXXX, at XXXX AM in the amount of {$20.00} with the amount due {$300.00}, and another violation same date at XXXX AM. 
This is the first and only notice I received regarding this alleged violation, even though XXXX representatives informed me earlier that notices had been sent previously. No prior notices were received at either of my addresses. 
This raises due process concerns because under XXXX. XXXX, XXXX must deliver proper notice of toll violations before penalties or collections are imposed. 
Account Errors, Unauthorized Vehicle, and Duplicate Charges As previously documented : My account had a transponder of a vehicle I did not own, and XXXX removed approximately {$65.00} in charges. 
I was charged multiple duplicate {$20.00} replenishments : o XX/XX/XXXX ( charged {$20.00} XXXX times, same day ) o XX/XX/XXXX ( charged {$20.00} ) o XX/XX/XXXX ( charged {$20.00} ) o XX/XX/XXXX ( charged {$20.00} ) o XX/XX/XXXX ( charged {$20.00} ) Toll charges appear within XXXX XXXX minutes of each other, which is not physically possible on the XXXX XXXX lanes. 
Under O.C.G.A. 10-1-393 ( a ) ( Georgia Fair Business Practices Act ), businesses may not engage in unfair or deceptive acts, including overcharging, duplicative billing, or misrepresenting the nature and amount of fees. 
XXXX. XXXX Quoted {$150.00} Professional Account Management ( XXXX ) Claimed {$810.00} Without Explanation When I contacted SRTA, I was told that my total amount due was {$150.00}. 
When I attempted to pay online, on approximately XX/XX/XXXX, I was redirected to Professional Account Management ( XXXX ), who demanded {$810.00}, a drastic and unexplained increase. 
XXXX Quoted {$150.00} XXXX Claimed {$810.00} Without Explanation When I contacted SRTA, I was told that my total amount due was {$150.00}. 
When I requested a breakdown of the charges : XXXX could not explain the total XXXX refused to provide copies of the alleged toll violations they had on file A XXXX representative stated : Were not doing this, maam. 
No itemized accounting was provided These actions violate multiple Georgia protections, including : A. Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ( b ) ( 5 ), ( b ) ( 7 ) ) Prohibits : Thank you very much for your time and assistance. 

Sincerely, XXXX 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