Consumer complaint received 2017-10-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: NC

Complaint narrative:
Procollect is worse than an extortionist! After reviewing my report, it has a debt in collections that I was NEVER informed about until XXXX which is 2 years as of now. XX/XX/XXXX, I sent a XXXX letter, but received an offered to pay a 50 % in XX/XX/XXXX. After I received the pay 50 % in XXXX, I called to remove because it is invalid and I didnt receive any validation letter. I told the lady in XXXX, I sent a validation letter, she said they sent it but they only sent a pay 50 % letter. She then said I couldnt even accept 50 % offer, I HAVE TO pay the full amount THAT DAY. They are also reporting XX/XX/XXXX the date of the 1st delinquency, WRONG. Tried to let her know that this lease was terminate for safety issues. She said she could no longer help me, I was refusing to pay and hung up. In XXXX, sent another letter for validation ( confirmed received XXXX but I have not received. XX/XX/XXXX, I contacted once again. Spoke to the foulest, impolite, bad mannered XXXX XXXX. Calling to resolve a debt. I tried to explain to XXXX XXXX that the property manager and I, agreed in front of the authorities at the time of departure due to safety and security issues. What did I need to provide because termination was via email after a verbal agreement. I couldnt finish, she interrupted I DONT CARE ABOUT YOU SAFETY OR SECURITY, you can go back to the client but they will refer you right back to us. If its your lease, its yours. Im marking this for refusal to pay & hung up. I tried to call again. Maybe a new rep is polite. I called again. I spoke with callous, impolite XXXX XXXX. I tried to inform her that it was agreed on via email but she stated I had to have a lease showing a zero balance. The authorities were involved and I wanted to ensure what I had on file was enough. All dates per information I have reflect around the same dates. All were involved because of the living condition issues since I moved in, by the time my car was vandalized every water facet had XXXX surfacing and flooding the kitchen and bathroom. XXXX then said oh yeah well HONEY I cant help you, thats a personal problem that I could CARELESS ABOUT, if you cant prove it then you owe the debt and YOUR REFUSING PAYMENT, I no longer have anything to say to you. Why it took two years and a validation letter before I received anything, to be aware. Her answer, I am placing you on hold, your refusing to pay. Please have them submit the calls to prove that complaints are REAL. Once again no help but I called again. XXXX XXXX, I inform him about the rude reps and I just want to know what I needed to provide to them that was sufficient enough. He then stated that he could not help me, demanded a payment in XXXX days, in full {$640.00}. When I sent validation letter in XX/XX/XXXX, I only received a pay 50 % letter in XXXX. He said they sent the validation letter but when? Ive been trying to resolve this for 5 months, NO HELP. The property manager is no longer there but I will try to have them confirm. XXXX XXXX says the same thing as XXXX XXXX " You can call them but they will send you back to me '' Again, really! How can a company who has NEVER contacted me, and Ive been the one initiating resolving this matter now refuse to just simply consider that the debt may be in error, only will note " REFUSAL TO PAY '' & intimidate the consumer by telling them you have 3 days to pay OR ELSE! He said wasnt concerned with anything I had, he will only take another signed lease, I sighed the lease and I have to pay PERIOD. If theyre referring the info that we provide to their clients for review, then why cant we? Where is the customer service? I also received an email per Procollect and they recalled the email and I no longer have it. 
In accordance with Fair Credit Reporting Act Section FCRA 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of the request concerning the accounts that you are reporting in my credit report. Please send me copies of the documents that you have reporting on my credit report that were used to validate accuracy of physical records of the accounts listed on file of original signed account or contract from any account posted on my record. I am also requesting a copy of the agreement/contract with wet ink signature, a copy of the accounting records and a copy of the process used to validate the mention debt. I have never had a lease contract with Procollect but XXXX Apartments terminated my lease. They stated that I owe two months rent but the balance is {$640.00} and rent charges were {$520.00}. My remaining balance should have reflected a total of XXXX plus the additional charges. This is false.I am following up w/ XXXX XXXX, Texas & NC attorney general 's office, FTC , CFPB, and anybody else to complain about its rude, unprofessional, insensitive employees and extortionist business practices. They will not honor my dispute and they are maliciously reporting accounts to the credit bureaus. They are bullies.

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