Debt collection -- False statements or representation -- Complaint #18064799
ProCollect Accused of False Debt Collection Practices
Complaint Overview
Complaint ID: 18064799
Company: Procollect, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: False statements or representation
Sub-Issue: Attempted to collect wrong amount
State: Alabama
ZIP Code: 36801
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
The company may have engaged in deceptive practices by attempting to collect an incorrect debt amount, potentially violating consumer protection laws.
Consumer Sentiment: negative
Topics: Debt collection, False representation, Incorrect debt amount
AI Analysis
CFPB complaint 18064799 was filed against ProCollect, Inc. regarding Debt collection (Other debt), specifically about "False statements or representation". A consumer filed a complaint against ProCollect, Inc. for attempting to collect a debt for the wrong amount, alleging false representation, which was closed with an explanation. The complaint was received on November 30, 2025 from Alabama. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should carefully review all debt collection notices and dispute any discrepancies in the amount owed immediately.
Legal Context & Consumer Protection Laws
This complaint touches upon the Fair Debt Collection Practices Act (FDCPA), which prohibits deceptive or misleading representations in debt collection.
Regulatory Insight
Regulators may investigate ProCollect for potential violations of the FDCPA's prohibitions against misrepresenting the amount of a debt.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint originated in Alabama, and state-specific consumer protection laws may also apply.
Industry Comparison
Debt collection agencies frequently face scrutiny for accuracy in the amounts they attempt to collect.
Related Issues
Frequently Asked Questions
What is CFPB complaint 18064799 about?
CFPB complaint 18064799 involves Debt collection (Other debt). The consumer reported an issue with "False statements or representation", specifically "Attempted to collect wrong amount". This complaint was filed against ProCollect, Inc. on November 30, 2025.
Which company is complaint 18064799 filed against?
Complaint 18064799 was filed against ProCollect, Inc.. You can view all complaints against this company on their profile page at /company/procollect-inc.
What was the company's response to complaint 18064799?
ProCollect, Inc. responded with "Closed with explanation". The response was NOT marked as timely by the CFPB.
When was complaint 18064799 filed?
Complaint 18064799 was received by the CFPB on November 30, 2025. It was sent to ProCollect, Inc. on November 30, 2025.
What state was complaint 18064799 filed from?
Complaint 18064799 was filed from Alabama. You can view all complaints from this state at /state/AL.
Was the consumer satisfied with the resolution of complaint 18064799?
Dispute information is not available for complaint 18064799.
What product category is complaint 18064799 about?
Complaint 18064799 is categorized under "Debt collection", specifically "Other debt". This is one of the product categories tracked by the CFPB.
How was complaint 18064799 submitted?
Complaint 18064799 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 18064799?
This complaint touches upon the Fair Debt Collection Practices Act (FDCPA), which prohibits deceptive or misleading representations in debt collection. This relates to a Debt collection complaint against ProCollect, Inc. involving "False statements or representation".
How likely is complaint 18064799 to be resolved?
Resolution likelihood: mixed. The company's current response is "Closed with explanation".
What does the risk level mean for complaint 18064799?
This complaint is rated as medium risk. The company may have engaged in deceptive practices by attempting to collect an incorrect debt amount, potentially violating consumer protection laws.
What regulatory actions apply to complaint 18064799?
Regulators may investigate ProCollect for potential violations of the FDCPA's prohibitions against misrepresenting the amount of a debt. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 18064799?
Consumers should carefully review all debt collection notices and dispute any discrepancies in the amount owed immediately.
Are there state-specific protections for complaint 18064799?
The complaint originated in Alabama, and state-specific consumer protection laws may also apply. This complaint was filed from Alabama.
How does complaint 18064799 compare to industry norms?
Debt collection agencies frequently face scrutiny for accuracy in the amounts they attempt to collect.
What specific documentation can a consumer request to verify the correct debt amount?
Consumers can request a debt validation letter from the collector, which should include the original creditor, the amount owed, and a payment history.
What are the potential consequences for a debt collector found to have attempted to collect the wrong amount?
Consequences can include fines, penalties, and requirements to cease collection activities, as well as potential civil action by the consumer.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.