Consumer complaint received 2026-06-22 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ProCollect, Inc.
State: TX

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX. I submitted a consumer response on XX/XX/XXXX disputing the company 's validation attempt. The company did not respond, and the complaint was closed without resolution. I am filing this new complaint regarding Pro Collect, Inc. 's continued attempt to collect a reported balance of {$2200.00} tied to a lease at XXXX XXXX XXXX ( XXXX XXXX, TX ). Pro Collect 's prior CFPB response included the original creditor 's final account ledger and a partial copy of an early-termination addendum. Their office subsequently mailed me a complete physical copy of the lease as supporting documentation. While that document confirms the underlying lease terms, it does not establish that the {$2400.00} termination fee was paid within the required window. This debt remains unvalidated. The disputed balance is driven by a {$2400.00} " Lease Termination Fee '' charged under Paragraph XXXX and Item J of my signed lease. That lease section makes early termination effective only if the resident : ( a ) gives written notice, ( b ) pays the termination fee no later than XXXX days after giving notice, and ( c ) is not in default. The original creditor 's own Final Account Statement, prepared by their employee XXXX XXXX and dated XX/XX/year>, confirms : Notice given : XX/XX/year>, which is XXXX days before the XX/XX/year> move-out date, satisfying the XXXX-day notice requirement in Item J. The {$2400.00} fee appears only as a charge on the ledger. There is no entry anywhere showing it was paid, credited, or offset at any point. Because the required payment was never made within the XXXX-day window, the early-termination provision was never validly triggered under the lease 's own terms. The lease contains no separate clause authorizing this fee to be charged as a penalty when payment doesn't occur. Collecting an amount not expressly authorized by the underlying agreement is prohibited under 15 U.S.C. 1692f ( 1 ). If Pro Collect 's position is that the original creditor waived the payment requirement, Lease Paragraph XXXX requires any such waiver or modification to be in writing and signed by both parties. No such document has been produced despite my requests. I am requesting that Pro Collect, Inc. either : Produce documentation showing the {$2400.00} fee was actually paid within XXXX days of the XX/XX/year> notice as required by Lease Item XXXX and Paragraph XXXX ( a ), or Identify the specific lease provision authorizing the charge in the absence of payment, or Produce the signed writing required under Lease Paragraph XXXX evidencing any waiver of the payment condition. I also note that my {$300.00} security deposit was applied entirely against the disputed {$2400.00} fee rather than against any charge that has actually been substantiated. I do not concede that any balance is owed and reserve the right to address proper application of the deposit once the company provides the validation requested above. I have separately sent a written validation demand directly to Pro Collect , Inc. via certified mail under 15 U.S.C. 1692g ( b ) and will be disputing this tradeline with all three consumer reporting agencies.

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