Consumer complaint received 2025-05-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: RentDebt Automated Collections, LLC
State: MI

Complaint narrative:
I am writing to formally address several concerns regarding misleading practices I have encountered with rental company that I believe negatively impact my credit profile and overall financial well-being. I would appreciate your attention to these issues, as they are critical in ensuring that consumers like myself are treated fairly and transparently in the credit market. 

XXXX. * * Unexpected Fees and Charges * * : I have experienced numerous hidden or misleading fees that were not disclosed upfront, including balance transfer fees, cash advance fees, and convenience fees for expedited payments. Misleading information regarding due dates has also resulted in late payments, leading to unwarranted late fees. Furthermore, the imposition of penalty APRs due to missed payments has significantly increased my interest costs. 

XXXX. * * Difficulty Managing Debt * * : The lack of clarity surrounding how interest accrues has resulted in unexpected and burdensome charges, complicating my ability to manage my debt effectively. Additionally, the opaque billing practices have made it difficult for me to track my spending and stay within budget, leading to further debt accumulation. 

XXXX. * * Negative Impact on Credit Score * * : The late payments resulting from these misleading practices have adversely affected my credit score. Moreover, being misled into overspending has inflated my credit utilization ratio, further diminishing my credit standing. I am also concerned about the impact of hard inquiries on my credit report due to misleading " pre-approved '' offers that resulted in denials. 

XXXX. * * Difficulty Redeeming Rewards * * : I have encountered issues with devalued rewards and hidden conditions that hinder my ability to redeem earned rewards. Technical failures in redemption systems have also compounded this frustration. 

XXXX. * * Other Potential Issues * * : The stress and anxiety caused by unexpected charges, debt accumulation, and damage to my credit score have taken a significant toll on my mental well-being. These challenges have also made it difficult for me to qualify for future credit, impacting my ability to make essential purchases or investments. 

In addition to the above concerns, I have noted several alarming practices, including hidden fees, inflated interest rates, misrepresentation of terms, inaccurate billing statements, and deceptive marketing strategies. The lack of adequate customer service and overly complicated terms and conditions further exacerbate these issues, leaving consumers in a vulnerable position. 

I urge you to take these matters seriously and investigate the practices of the companies involved. It is crucial that consumers are protected from misleading information and unfair treatment that can have long-lasting impacts on their financial health. 

Thank you for your attention to this pressing matter. I look forward to your prompt response and resolution of these issues.

Company response to consumer: Closed with explanation