Consumer complaint received 2024-05-01 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: CA

Complaint narrative:
I am disputing the debt placed on my credit report by Property Receivables , Inc. ( a.k.a. Collect Tech, hereinafter referred to as Property Receivables , Inc. ), as it is a fraudulent debt. I have made three disputes to the credit reporting bureaus ( XXXX, XXXX, XXXX ) beginning in XXXX of this year. To date, only XXXX has deleted this debt from my credit report. 

I have attached the disputes that I submitted to the credit reporting bureaus on or about XX/XX/XXXX and XX/XX/XXXX. The dispute submitted on or about XX/XX/XXXX, contained multiple exhibits, however, due to the page limit for this dispute I was only able to attach a few of the more important exhibits. 

A summary of my dispute is as follows. 

The collections company, Property Receivables , Inc., purchased my account from XXXX XXXX the leasing company for my former apartment residence at the XXXX in XXXX XXXX XXXX California. I moved out of the XXXX in XXXX of XXXX, believing that I had paid in full for every month of my tenancy and for all charges. In XXXX of XXXX, I received a statement from Property Receivables , Inc., stating that I owed {$2700.00}, for an unpaid balance to the XXXX. See attached Exhibit F. 

Upon receipt of this statement, I immediately contacted the XXXX leasing office to inquire, as I was under the belief that I did not owe anything, and I was certain the statement I received was a mistake. See attached Exhibit G. XXXX XXXX employee said he would look into it and call me back. He never called me back. I spoke to the XXXX again about one month later, on XX/XX/XXXX, and was advised that I was charged for carpet damage and cleaning and he reduced the amount that I allegedly owed to {$2000.00}. I told the employee at that time that I disputed the debt because it was inaccurate. I also made my first of many requests for the maintenance report that allegedly contained photos to support the charges for damaged carpet. To date I have not received any evidence to support the {$740.00} in fraudulent charges made to my account. Not to mention, I have never received a clear answer regarding why I owe an additional sum for rent, and why the amount I allegedly owe keeps changing. I am completely in the dark. 

On XX/XX/XXXX, I timely emailed my notice of dispute to Property Receivables , Inc., as indicated on their initial statement to me referenced above. See attached Exhibit H. About two weeks later, I discovered that Property Receivables , Inc. had reported this debt to the credit reporting bureaus without any notice to me. 

I have made numerous requests to receive a copy of the maintenance report, with photos, on the following occasions : 1. XX/XX/XXXX phone call to XXXX ( Exhibit G ) XXXX. XX/XX/XXXX email to XXXX employee ( Exhibit G ) XXXX. XX/XX/XXXX email to XXXX employee XXXX. XX/XX/XXXX in person request to XXXX ( Exhibit J ) XXXX. XX/XX/XXXX email to Property Receivables ( Exhibit J ) XXXX. XX/XX/XXXX in connection with disputes filed with the credit bureaus ( see attached ) XXXX. XX/XX/XXXX Letter to credit bureaus asserting FCRA Section 609 right to information ( See attached ) To date I have not been provided a copy of the maintenance report, photos of damage to carpet, or photos showing that the apartment was left in an unclean condition. The only conclusion that can be drawn from this lack of transparency is that these charges are fraudulent. 

In my email to Property Receivables , Inc., dated XX/XX/XXXX, I informed them that I was sitting in the XXXX leasing office writing the email, and that I was advised that the XXXX had sent my file to Property Receivables , Inc. I then asked for a copy of the file from Property Receivables , Inc. None was ever sent to me. What are they hiding? Maybe its the fact that there are no documents in existence to validate this debt. I was fraudulently charged for carpet and cleaning in breach of my lease agreement and in violation of California law. See Exhibit N. Yet Property Receivables , Inc. continues to try to collect this fraudulent debt with full knowledge that it is fraud. 

I have provided photos showing the condition of the apartment on the day that I moved out. See Exhibit O. Yet neither the XXXX nor Property Receivables have provided any support for the charges, yet they continue their scam. The only documents provided to me by Property Receivables , Inc. were : ( 1 ) a one -page copy of a ledger screen and ( 2 ) a copy of a ledger created by the XXXX ( XXXX ), along with a receipt for carpet. See Exhibits I and L. However, these documents created by the two companies committing the fraud do not answer the question about the condition of the apartment. 

The bottom line is that the charges were fraudulent because there was no damage to the carpet and the apartment was left clean upon my move out. Pursuant to my lease agreement they can not charge me for carpet replacement or cleaning, period. On page four of Exhibit L, you can see that the XXXX clearly charged me for damaged carpet and cleaning on XX/XX/XXXX. This is the fraud. I do not owe this debt. 

Additionally, there has been no explanation about why I was charged an amount for rent after I moved out. Upon giving notice of my move out date, I was given a prorated rent amount to pay for the month of XX/XX/XXXX. I paid it. I am now being charged additional amount for rent. I have not been provided any explanation about what the daily prorated amount is and how it was calculated so that I can verify that it is correct. I have never walked away from a debt that I owe. Never! However, I find it very disturbing that the XXXX, XXXX and Property Receivables XXXX XXXX have worked together to determine these amount that I allegedly owe without any proof or explanation and continue to attempt to enforce their scam even after being presented with evidence that contradicts the fraudulent charges. 

A simple internet search and check of the XXXX XXXX XXXX  site, for XXXX, the XXXX XXXX  XXXX XXXX XXXX XXXX and Property Receivables , Inc. , will show that these parties are engaged in a pattern and practice of defrauding former residences of the XXXX. The story is the same in every case. The XXXX ( XXXX ), creates fraudulent charges on former residents accounts. They then sell the accounts to Property Receivables , Inc., or employ them to collect the debts. Before a full investigation of the dispute can even commence, Property Receivables , Inc. reports the account with the credit bureaus. This aggressive tactic which has substantial financial implications for the victims most times creates a panic in the victim, and they pay the fraudulent charges to preserve their credit rating. In every case, no information is provided to support the fraudulent charges. The scammers know that people are more concerned with saving their credit rating than trying to uncover the truth. Also, the scammers know that if they continue to verify the fraudulent debt with the credit bureaus that most people will get tired of fighting and eventually pay the debt to restore their credit. 

I ask that you not allow Property Receivables , Inc., and XXXX to continue this scam. I ask that you look at the documents that I have provided and question why they cant provide any documents to support their fraudulent charges. I am being damaged everyday that this fraudulent debt is being reported with the credit bureaus. I have been charged higher interest rates for loans because of this debt. My credit rating fell over XXXX points because of this scam. These companies can not continue to hold my credit rating hostage until I submit to their malicious tactics. I do not owe this debt. 

*********ALL ATTACHMENTS REFERENCED WILL BE MAILED TO CFPB. THE ATTACHED DOCUMENTS WERE TOO LARGE TO UPLOAD TO THIS PORTAL. PROPERTY RECEIVABLES HAS PREVIOUS RECEIVED ALL DOCUMENTS REFERENCED IN MY PRIOR REQUESTS FOR DOCUMENTS******

Company response to consumer: Closed with explanation