Consumer complaint received 2026-05-10 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Collection Bureau of Fort Walton Beach, Inc
State: NC

Complaint narrative:
To Whom It May Concern : I respectfully submit this complaint requesting review and investigation into debt collection and consumer reporting practices connected to Collection Bureau of Ft. Walton Beach , IncXXXX, XXXX XXXX XXXX XXXX ( AAG ), XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and related entities involved in residential housing operations affecting North Carolina consumers. This complaint concerns : disputed housing debt, substantial collection-related fees, negative credit reporting impacts, consumer transparency concerns, and interstate collection activity affecting former residential tenants. BACKGROUND I was formerly a tenant at XXXX XXXX in XXXX, North Carolina. Following my tenancy, I received collection-related documentation asserting that I owed approximately {$12000.00} in alleged damages, fees, and collection-related charges. The collection-related documentation included : security deposit deductions, cleaning and damage charges, termination-related fees, miscellaneous charges, and a collection fee amounting to approximately 40 % of the alleged account balance. The collection notice specifically references Fort Walton Beach Collections Bureau Services and states that 40 % would be added to the account balance. These practices raise concerns regarding : whether the collection fees were properly authorized, whether the charges were commercially reasonable, whether disputed balances were inflated, and whether consumers were provided meaningful opportunities to dispute the debt prior to collection activity and credit reporting consequences. COLLECTION AUTHORITY CONCERNS Records from the North Carolina XXXX of XXXX show that Collection Bureau of Ft. Walton Beach , Inc. previously held authority to transact business in North Carolina beginning in XXXX. However, the companys North Carolina XXXX XXXX XXXX was revoked effective XX/XX/XXXX pursuant to N.C.G.S. XXXX for failure to file an annual report. Despite this revocation, collection-related activity affecting North Carolina consumers appears to have continued afterward. Additionally, XXXX XXXX XXXX XXXX appears to have conducted operational activities connected to North Carolina residential properties prior to obtaining North Carolina registration on or about XXXX XXXX, 2026. MULTI-ENTITY CONSUMER TRANSPARENCY CONCERNS The operational structure involving : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and Collection Bureau of Ft. Walton Beach , Inc. creates significant consumer confusion regarding : which entity owned the debt, which entity managed the property, which entity collected tenant funds, and which entity possessed authority to pursue collection activity. HOUSING ACCESS AND CREDIT REPORTING CONCERNS I am particularly concerned that former tenants may be experiencing long-term housing instability due to : disputed housing debt balances, substantial collection fees, and negative credit reporting practices connected to these accounts. Many former residents may be unable to secure future housing because these balances are being placed on consumer credit reports and tenant screening systems. REQUEST FOR CFPB REVIEW I respectfully request that the CFPB review : Whether the 40 % collection fee was lawfully authorized and commercially reasonable ; Whether consumers were subjected to unfair, deceptive, or abusive collection practices ; Whether disputed balances were improperly inflated or reported ; Whether consumers were provided adequate transparency regarding the entities involved in collection activity ; Whether continued collection-related activity occurred following revocation of North Carolina authority XXXX Whether these practices are causing widespread consumer credit harm and barriers to housing access for former tenants. ENCLOSURES Security Deposit Claim or Refund Form Security Deposit Disposition Collection-related documentation XXXX XXXX XXXX XXXX XXXX NC Certificate of Revocation Additional supporting records and correspondences from other tenants showing collections Thank you for your time and consideration regarding this matter. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation