Consumer complaint received 2026-07-21 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ProCollect, Inc.
State: OH

Complaint narrative:
I am submitting this complaint regarding the debt collection practices of a collection agency attempting to collect an alleged debt arising from a former apartment lease in Florida. I dispute the validity of the underlying debt. Before the apartment complex ever placed this account with a collection agency, I notified the original creditor in writing that I disputed the charges. I have attached the email showing that I disputed the debt before it was referred to collections. Despite my dispute, the account was subsequently placed with a collection agency. XXXX of the reasons I dispute the charges is that I was never provided or asked to complete a move-in inspection or move-in condition checklist when I took possession of the property. Because there was no documented move-in inspection establishing the condition of the apartment at the beginning of my tenancy, I dispute the validity of the charges assessed against me. After learning the account had been placed with collections, I contacted the collection agency in an effort to explain that I had already disputed the debt with the original creditor and to discuss my dispute. I also informed the representative that I had documentation proving the debt had been disputed before it was referred to collections and requested that my dispute be acknowledged and documented. Unfortunately, the interaction was extremely unprofessional. From the beginning of the conversation, the representative spoke to me in a dismissive and confrontational manner, repeatedly interrupted me, talked over me, and refused to allow me to explain the basis of my dispute or the documentation I had available. Each time I attempted to answer her questions or explain that I had previously disputed the debt with the original creditor, I was cut off before I could finish speaking. Rather than attempting to understand or address my concerns, the representative became increasingly hostile and ultimately terminated the call by hanging up on me. At no point was I afforded a reasonable opportunity to fully explain my dispute or have a productive discussion regarding my account. Because of this interaction, I submitted a formal written complaint to the collection agency 's executive leadership requesting that the recorded call be reviewed and investigated. I also provided documentation showing that I had disputed the debt with the original creditor before it was placed with collections. As of the date of this complaint, I have not received a response. I have attached supporting documentation, including : XXXX. My email disputing the charges with the original creditor before the account was placed with collections. XXXX. My written complaint to the collection agency 's executive leadership. XXXX. Any additional documentation supporting my dispute. Thank you for your time and consideration.

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