Consumer complaint received 2025-08-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Charged upfront or unexpected fees — 
Company: Business Processing Solutions, LLC
State: CA

Complaint narrative:
Formal Complaint Against Professional Account Management , LLC ( PAM ) for XXXX XXXX XXXX Violation of Consumer Rights & Lack of Notice Company Information : Professional Account Management , LLC ( PAM ) Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, WI XXXX Phone : ( XXXX ) XXXX Website : XXXX XXXX XXXX To Whom It May Concern : I am filing this complaint against Professional Account Management , LLC ( PAM ) for XXXX unfair and harmful collection practices related to a debt they claim I owe from XXXX. 

On XX/XX/XXXX, I received an unexpected phone call from a PAM representative stating that I owed a XXXXXXXX balance dating back to XXXX. I was completely caught off guard because : I have never received any mail or official notice from PAM or XXXX about this alleged debt since XXXX. 
In XXXX, I was homeless and moving between addresses, including XXXX XXXX XXXX, and had no permanent mailing address. Despite this, the PAM representative somehow had my current address, yet no letters or notices were ever sent or said to me before this call. 

I have had several conversations directly with XXXX in the past to resolve other concerns, created an online account, and paid off prior balances in full. 

Around the same time in XXXX, I faced extreme hardship : XXXX pandemic disruptions FEMA disaster impact on my vehicle that they claim ( XXXX XXXX XXXX that too was damaged and could not be repaired easily. Filing a California Victim Compensation claim, which took over two years to resolve these events are documented in my hardship records, which I can provide. 

I believe PAM and/or XXXX failed in their legal obligation to : 1. Send proper debt validation and written notice before attempting to collect 2. Ensure accurate and timely communication with the consumer 3.Respect my rights under the Fair Debt Collection Practices Act ( FDCPA ) and California Rosenthal Fair Debt Collection Practices Act As of today, PAM has not provided any written documentation or account details for the alleged debt, despite my verbal request on XX/XX/XXXX. I have no record of the account they are referring to and no opportunity to review or dispute it prior to collection efforts. 

Applicable Law Violations broken by Professional Account Management , LLC ( PAM ) for XXXX XXXX XXXX : FDCPA 15 U.S.C. 1692g ( a ) & ( b ) Failure to provide a written validation notice within 5 days of initial confirmation of having my new address. 

FDCPA 15 U.S.C. 1692e Use of false, deceptive, or misleading representations regarding the debt, including failing to disclose full account details and history. 

California Rosenthal Fair Debt Collection Practices Act Cal. Civ. Code 1788.17 Incorporates and enforces all provisions of the federal FDCPA within California, including requirements for validation and prohibition of deceptive practices.

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