Debt collection -- Written notification about debt -- Complaint #18064798
Consumer Claims Lack of Debt Dispute Rights Notification
Complaint Overview
Complaint ID: 18064798
Company: Professional Debt Mediation, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Florida
ZIP Code: 33064
Date Received: 2025-11-30T12:00:00-05:00
Date Sent to Company: 2025-11-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
Failure to provide written notification of the right to dispute a debt can violate consumer protection laws, potentially leading to legal action or regulatory scrutiny.
Consumer Sentiment: negative
Topics: Debt Collection, Consumer Rights, Notification Requirements
AI Analysis
CFPB complaint 18064798 was filed against Professional Debt Mediation, Inc. regarding Debt collection (I do not know), specifically about "Written notification about debt". A consumer filed a complaint regarding debt collection practices, specifically not receiving written notification of their right to dispute a debt, which was closed with an explanation. The complaint was received on November 30, 2025 from Florida. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should always keep records of communications and be aware of their rights regarding debt validation and dispute processes.
Legal Context & Consumer Protection Laws
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide consumers with specific information about their rights, including the right to dispute the debt.
Regulatory Insight
This case highlights the importance of strict adherence to FDCPA notification requirements to avoid potential violations.
Resolution Likelihood
likely
State-Specific Consumer Protections
While the complaint originated in Florida, the FDCPA applies nationwide, making this a relevant issue for consumers and collectors across the US.
Industry Comparison
This complaint is typical of issues arising from debt collection agencies not fully complying with disclosure requirements.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18064798 about?
CFPB complaint 18064798 involves Debt collection (I do not know). The consumer reported an issue with "Written notification about debt", specifically "Didn't receive notice of right to dispute". This complaint was filed against Professional Debt Mediation, Inc. on November 30, 2025.
Which company is complaint 18064798 filed against?
Complaint 18064798 was filed against Professional Debt Mediation, Inc.. You can view all complaints against this company on their profile page at /company/professional-debt-mediation-inc.
What was the company's response to complaint 18064798?
Professional Debt Mediation, Inc. responded with "Closed with explanation". The response was NOT marked as timely by the CFPB.
When was complaint 18064798 filed?
Complaint 18064798 was received by the CFPB on November 30, 2025. It was sent to Professional Debt Mediation, Inc. on November 30, 2025.
What state was complaint 18064798 filed from?
Complaint 18064798 was filed from Florida. You can view all complaints from this state at /state/FL.
Was the consumer satisfied with the resolution of complaint 18064798?
Dispute information is not available for complaint 18064798.
What product category is complaint 18064798 about?
Complaint 18064798 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 18064798 submitted?
Complaint 18064798 was submitted via Web. The CFPB accepts complaints through web, phone, mail, email, fax, and referral channels.
What are the consumer's legal options for complaint 18064798?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide consumers with specific information about their rights, including the right to dispute the debt. This relates to a Debt collection complaint against Professional Debt Mediation, Inc. involving "Written notification about debt".
How likely is complaint 18064798 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation".
What does the risk level mean for complaint 18064798?
This complaint is rated as medium risk. Failure to provide written notification of the right to dispute a debt can violate consumer protection laws, potentially leading to legal action or regulatory scrutiny.
What regulatory actions apply to complaint 18064798?
This case highlights the importance of strict adherence to FDCPA notification requirements to avoid potential violations. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18064798?
Consumers should always keep records of communications and be aware of their rights regarding debt validation and dispute processes.
Are there state-specific protections for complaint 18064798?
While the complaint originated in Florida, the FDCPA applies nationwide, making this a relevant issue for consumers and collectors across the US. This complaint was filed from Florida.
How does complaint 18064798 compare to industry norms?
This complaint is typical of issues arising from debt collection agencies not fully complying with disclosure requirements.
What specific information must be included in the written notification of the right to dispute a debt?
The notification must inform the consumer of their right to dispute the debt and request verification of the debt within 30 days of receiving the notice.
What are the consequences for a debt collector failing to provide this notification?
Failure to provide proper notification can result in violations of the FDCPA, leading to potential lawsuits by consumers and enforcement actions by regulatory bodies.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.