Consumer complaint received 2024-01-03 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ProCollect, Inc.
State: NC

Complaint narrative:
ProCollect reporting negative rental debt to my credit report for XXXX XXXX gave XXXX XXXX a copy of my XXXX XXXX military orders and a forwarding address for my final bill so I could pay it when it was available. I never received anything from XXXX XXXX and my access to my account was deleted when I tried to log in and see if there was a balance due. I never received anything from them and my calls and voicemails went unanswered. 

I have never received anything from XXXX, a call, voicemail, letter, email, nothing. When I saw a negative mark on my credit from ProCollect, I called to advise I would like validation of the debt, including itemized statement and assignment to creditor notification mailed to my address to verify the debt owed and be allowed my 30 days to dispute or pay the amount prior to reporting to my credit report. I advised I never received anything from the original creditor or ProCollect and verified my mailing address and information. 

I advised I was called to active military duty and had an attorney on retainer and did not want to make this an issue or problem. I simply was requesting the debt to be validated in writing or at least resend the initial notice of assignment to collections so I could have a written record of what I was paying. 

The representative ignored my request again and rudely asked for my attorneys name and information, and I advised I didnt know what company this is and didnt feel comfortable continually giving out my personal information and that of my colleagues to strangers on the telephone. The representative then said that she would mark my account as refusal to pay and she disconnected the call. 

The representative ( all three I spoke with ) were extremely rude. They continually talked over me and threatened to mark my account as refusing to pay if I didnt just pay them today, and repeatedly declined to send the information about the debt in writing to my address. 

My requests to speak with a supervisor were repeatedly declined. I advised repeatedly that I was NOT refusing to pay, I simply had never heard of the company and wanted verification of the debt and the original assignment to collections notice sent to my address in writing so I could feel comfortable paying any amounts owed to some company I had never heard of. 

After speaking with three different representatives and being on hold and transferred half a dozen times, hung up on three times and being told I needed to log onto their website and provide more of my personal information to request validation of my debt and assignment to their agency, I ceased attempting to resolve the issue with their company. 

All I wanted was validation of my debt and the initial notice of assignment to ProCollect sent to me in writing so I could verify the information and be given the opportunity to pay the amounts owed if I saw they were correct and valid prior to reporting negatively to my credit report.

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