Consumer complaint received 2025-04-14 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Business Processing Solutions, LLC
State: CA

Complaint narrative:
I am writing to file a formal complaint regarding Professional Account Management ( PAM ), the collection agency handling toll violations on behalf of XXXX and other California toll systems. I have been receiving multiple notices from PAM regarding alleged toll violations and fines that are a significant value, but I am disputing these charges due to significant inaccuracies.

Earlier this year, I sent a letter directly to PAM outlining my concerns, yet I have continued to receive notices. Specifically, PAM is attempting to charge me for several license plates that are not and have never been associated with me ( since my letter, they have added new license plates that still dont belong to me ). The only license plate that belongs to me is XXXX and even these charges are not accurate as they have been paid or should not have been charged in the first place due to HOV/toll pass. Additionally, they are imposing violations that should not have been assessed, including : XXXX. Commuting with multiple passengers under HOV lanes for which I should not have been charged. Which is free. 
XXXX. A XXXX pass that was active at the time and should have covered the toll charges. 
XXXX. Toll violations that have already been paid I have settled these directly with the XXXX and XXXX, yet they are being recharged by PAM.

I have made multiple attempts to resolve these issues with PAM, but they have not responded adequately or addressed the inaccuracies in the toll charges. Despite providing PAM with proof that these tolls were paid to the DMV and/or XXXX directly, and that the license plates in question do not belong to me, PAM continues to assert that the debts are valid. This is deeply frustrating and raises concerns about the accuracy and fairness of their collection practices.

I request that the CFPB investigate this matter and provide guidance on how to resolve these unfair and incorrect toll charges.

I am seeking : An immediate investigation into these erroneous charges and the failure of PAM to correct the record.

A removal of these disputed charges from my file and any associated penalties. 
Clear documentation that proves PAM has complied with consumer protection laws when handling this debt. 

Each letter has a different balance listed. Most recently PAM shared updated balances that are significantly less for each account ( attached ) but their online portal still has egregious inaccurate amounts.

Lastly, PAM has shared that they will report these charges to the credit report. These false charges are not consumer debt and reporting them to credit agencies would be violating state and federal consumer protection laws. Doing so would also be considered retaliatory. 

Thank you for your time and attention to this matter. I look forward to your assistance in resolving this issue. 

Account Numbers listed on notice : XXXX, XXXX, 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