Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Mutual Management Services LLC
State: TN

Complaint narrative:
Consumer Financial Protection Bureau Complaint Division Date : XXXX XX/XX/XXXX Complainants : Prior Tenants Respondent : Mutual Management Services, LLC XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Re : Unlawful Debt Collection Practices ( Account # XXXX ) Introduction : We are filing this complaint regarding unlawful and unethical debt collection practices by Mutual Management Services , LLC ( Mutual Management ), regarding a disputed and illegitimate debt originating from XXXX XXXX XXXX XXXX ( XXXX XXXX  ). 

Factual Background : On XXXX, our lease at XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ended. Our original lease was with XXXX XXXX, and we never signed a lease with XXXX XXXX XXXX XXXX. Upon vacating, we returned the property in good condition, excluding minor cleaning for which charges were anticipated per lease terms. 

On XXXX, XXXX XXXX XXXX issued a security deposit disposition letter detailing charges we believe are unwarranted and inconsistent with our lease agreement.

We disputed these charges promptly on XXXX, providing evidence of the propertys condition. Multiple follow-ups for justification ( XXXX and XXXX ) resulted in a final denial of adjustments without adequate explanation on XXXX. 

Mutual Management Services became involved by sending a collection notice dated XXXX XX/XX/XXXX demanding payment of {$3400.00}. On XXXX XX/XX/XXXX, we formally disputed the debt, requested debt validation under FDCPA, explicitly revoked consent for email communication, requested confirmation they are licensed to conduct debt collection in T

ennessee as required by Tenn. Code 62-20-103, and required correspondence via postal mail only. Mutual Management disregarded this directive, violating our rights by emailing again on XXXX XX/XX/XXXX. 

In response to requested documents and information, Mutual Management did not provide sufficient documentation for any request. They only provided my signed lease ( signed with XXXX XXXX not XXXX XXXX who purchased the building during my lease ; I have no lease with XXXX XXXX ; No documentation of legal transference provided ) and a breakdown of charges ( most of which are currently under dispute ) which also includes {$890.00} in Debt Collection Expense - Debt Collection Fee ; in no way is this a valid fee.

Mutual Management didn't provide any other requested information or documentation particularly proof of their legal right to collect debt in Tennessee which means their debt collection activities regarding my account are illegal.

Legal Violations : Mutual Management Services has committed several violations, including : Failure to provide complete debt validation ( FDCPA 1692g ).

Continuing collection attempts during the active dispute ( FDCPA 1692g ( b ) ).

Unauthorized and excessive collection fees ( FDCPA 1692f ( 1 ) ).

Misrepresentation of their authority to collect the debt ( FDCPA 1692e ).

Violation of explicit directive to cease email communication ( FDCPA 1692c ( c ) ), with email contact occurring on XXXX XX/XX/XXXX despite clear revocation of consent. 
Operating without proper licensure in Tennessee, making collection and reporting illegal ( Tenn. Code 62-20-103 ).

Threatened credit reporting of disputed debt without proper notation ( FCRA 1681s-2 ( a ) ( 3 ) ).

SCRA Protections : One of the prior tenants was on active military duty from XXXX XX/XX/XXXX to XXXX XX/XX/XXXX and thus protected by the Servicemembers Civil Relief Act ( SCRA, 50 U.S.C. 39014043 ), further prohibiting collection activities without proper judicial oversight. ( DD 214 available upon request ) Impact : Mutual Management Services aggressive and unlawful actions have caused significant emotional distress and XXXX. Despite no current reporting to credit bureaus, the continuous threats and disregard for legal protections have negatively impacted our emotional and mental well-being.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation