Consumer complaint received 2026-01-21 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: AL

Complaint narrative:
* * Consumer Financial Protection Bureau * * XXXX XXXX XXXX Washington , DC XXXX * * Re : Formal Complaint Against XXXX XXXX XXXX for Improper Referral to Collections * * Dear Sir or Madam, I am submitting this formal complaint against my former rental management company, * * XXXX XXXX XXXX * *, regarding their improper and unlawful referral of my account to collections following a * * lawful lease termination due to serious health and safety violations * *.

# # # Background and Timeline I was a tenant at * * XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, Texas XXXX * *, managed by XXXX XXXX XXXX. Due to managements * * failure to correct a flood and subsequent mold growth * *, which materially affected my health and safety, I was forced to vacate the premises.

Despite repeated written maintenance requests over a period exceeding two months, XXXX XXXX XXXX failed to remediate the flooding and mold conditions. As a result, I provided * * formal written notice of lease termination * * pursuant to the Texas Property Code and vacated the unit in good faith.

On * * XX/XX/year> * *, I issued a detailed * * Formal Notice of Lease Termination Default of Lease Agreement & Violations of Texas Property Code * * to XXXX XXXX XXXX ( XXXX XXXX and XXXX XXXX ), citing : * Texas Property Code 92.052 ( failure to repair conditions affecting health and safety ), * 92.056 ( tenants right to terminate lease when repairs are not made within a reasonable time ), and * 92.331 ( prohibition against retaliatory conduct ).

My termination was * * lawful, documented, and supported by statute * *.

# # # Improper Collections Activity Despite this lawful termination, XXXX XXXX XXXX * * referred my account to a collections agency * *, attempting to collect alleged charges arising from the lease period after my vacate date. This action is improper and harmful, as : * The alleged debt is * * invalid and disputed * *, * The lease was terminated due to the landlords material breach, * The referral appears retaliatory and punitive in nature, and * The collections activity has caused damage to my financial standing and emotional distress.

# # # Basis for CFPB Complaint I am requesting CFPB review and intervention on the grounds that : * The debt being collected is * * not legally owed * *, * XXXX XXXX XXXX failed to conduct a reasonable investigation prior to referral, * The collections activity may violate the * * Fair Debt Collection Practices Act ( FDCPA ) * * and applicable consumer protection standards, and * The referral occurred despite written notice placing the landlord on notice of statutory violations and reserved legal rights.

# # # Requested Resolution I respectfully request that the CFPB : 1. Investigate the conduct of XXXX XXXX XXXX related to this matter ; 2. Require removal of any collections account or negative credit reporting associated with this improper referral ; 3. Direct XXXX XXXX XXXX and any associated collection agency to cease further collection activity ; and 4. Ensure compliance with applicable consumer protection laws.

I have enclosed copies of my * * Formal Notice of Lease Termination * *, maintenance requests, and related correspondence to support this complaint.

Thank you for your attention to this matter. I certify that the information provided herein is true and accurate to the best of my knowledge.

Sincerely, * * XXXX XXXX * * CC : XXXX XXXX XXXX CC : Legal Counsel Enclosures : Formal Notice of Lease Termination Maintenance Requests and Correspondence

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