Consumer complaint received 2025-03-03 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: MA

Complaint narrative:
my old apartment sent my back rent to collections and I owe {$8700.00}. I was unable to pay XXXX month rent due to not having a full-time job and working temp jobs and they told me that an option would be to vacate the premises ( XXXX in XXXX Tx XXXX within XXXX week this was in XXXX and they would move my payment to collection and they would send me the information so I would do the payments through a payment plan or to pay in full once they had passed that along to collection I sent messages to them emails to them in XXXX and in XXXX asking for the information and I was not responded to. To reference, I was going to fight in court because of the unjust treatment for my apartment complex. They had given other people in the complex the option to pay back rent while I was told I did not have that option and would have to move out or go to court so an account XXXX said if I was able to move out within a week it would be dismissed in court and I would just have to pay through collections and I would be able to pay a payment plan. When my credit was flagged today, I reached out to the company Pro Collect Inc to get some information about a payment plan because its very important to me to get this sorted so I can start rebuilding my credit. I was out right told that I will not have the option and by law they didnt have to give me that option. They asked if I had received the letters they had sent me and I said I had not received any letter or any communication over the phone. The apartment complex had my forwarding address which is my mothers address and she wouldve made sure that I got it. Also, any mail that would have gone to my address my old apartment XXXX XXXX I registered with XXXX to have those forwarded to my mothers house and I received no correspondence whatsoever so they said because I never replied to any correspondence which was never sent in the first place that they wouldnt be giving me the option of a payment plan and I expressed several times that that was not the case. The only way that I knew that this had actually gone through wasnt through the old apartment, which never responded to any of my questions and my queries about getting the information of the collection company. It was because it was flagged on my credit and their information was listed there. I spoke to a debt settlement agency who actually told me that I could file a complete with you, but before then I needed to give them one more call and give them the option of settling the debt with the payment plan or reduced amount, and she outright was rude and told me that they will not be giving me that option that it was my fault and I shouldve paid my balance when I moved out of my apartment even though I tried to let her know that that was not a possibility I was assured by the apartment that if I moved out within one week, I wouldnt have to go to court and I could pay through a payment plan through the collection company, and I havent been giving any such options instead she threatened me and said that if I didnt pay the full amount by this Thursday, they would continue to affect my credit I believe this is not right and its going against my rights as a consumer because I never outright said I wouldnt pay. I wanted to know payment plan options because I only currently have temp employment and Im not gon na be able to pay that amount in full, which doesnt mean I dont wan na pay the amount. It just means that I can only pay it in small installments perhaps every XXXX weeks I was not given such options and instead threatened and I dont think thats fair. I only started proper temp work and I get paid {$600.00} every XXXX or XXXX weeks. Theres no way that I can come up with {$8700.00} by Thursday and that does not mean that I dont want to pay it just means I cant pay the full amount and Im being dismissed and threatened instead.

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