Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sentry Credit, Inc.
State: VA

Complaint narrative:
On XX/XX/XXXX I was notified via email by XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX ) that an outstanding balance of {$290.00} was owed. Upon receipt of this email, I contacted XXXX Billing concierge immediately via phone at ( XXXX ) XXXX to advise that I didn't feel this debt was valid and request information on how we could proceed based on this. I was directed to send supporting documents in response to the same email in which I received the initial notification. 

Due to me no longer having access to the leasing portal with the property, I was unable to provide an official copy of the signed leasing agreement however I was able to provide email correspondence between myself and the leasing office confirming that a deposit was paid. With this information provided, I requested an itemized breakdown of the expenses being claimed and a revised invoice outlining any outstanding balances after the claimed expenses were deducted from the deposit. 

After time had passed and several follow ups were made to the billing concierge, itemized documentation for the claimed expenses was provided, however no revised invoice showing the deduction of my deposit was provided. At this point, I contacted Billing Concierge again via phone on XX/XX/XXXX to discuss what steps could be taken to have the claimed expenses deducted from the paid deposit. It was confirmed on this phone call that they did not have record of any deposit being paid. I advised I could furnish documentation validating otherwise and was directed to respond to the billing concierge email with such documentation. 

I then forwarded copies of email threads with the leasing office outlining a deposit was made and also furnished banking statements with the deposit transaction. After this documentation was provided, no responses were received back and communication ceased entirely from XXXX XXXX XXXX XXXX. Despite no response being received, I remained consistent in following up to try and resolve the standing issue and sent follow up emails on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. On XX/XX/XXXX I was notified via XX/XX/XXXXCredit Reporting that a collection had been reported by Sentry Credit , Inc . 

As of XX/XX/XXXX I have not been notified in writing of the collection or my rights to dispute a collection and can not locate any voicemails for missed calls where I may have been notified of the claimed debt, in which I believed I was disputing directly with XXXX XXXX however their communication completely ceased upon follow ups about the matter. Not receiving written notification from the collections agency ( Sentry Credit , Inc ) outlining my rights to dispute within 30 days of their receipt of the debt is a direct violation of the FDCPA. Additionally, I feel that since I was already disputing this directly with the organization in which the claimed debt was owed to, this is a wrongful report to the credit bureaus. 

Please note that XXXX XXXX is not set up to receive complaints from CFPB. Sentry Credit , Inc is therefore they are the only organization involved in this mater that is listed on the complaint filing. That being said, XXXX XXXX is the company in which the claimed debt originated and I do believe they should also receive a copy of the complaint.

Company response to consumer: Closed with explanation