Debt collection -- Attempts to collect debt not owed -- Complaint #18209323

Complaint Overview

Complaint ID: 18209323

Company: Property Receivables, CORP

Product: Debt collection

Sub-Product: Rental debt

Issue: Attempts to collect debt not owed

Sub-Issue: Debt is not yours

State: Colorado

ZIP Code: 80026

Date Received: 2025-12-21T12:00:00-05:00

Date Sent to Company: 2025-12-22T12:00:00-05:00

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

Submitted Via: Web

Consumer Narrative

I am submitting this complaint regarding unfair and deceptive debt collection practices and a potential violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 ) involving a residential property management company and a third-party collections agency. Background : XX/XX/XXXX, I applied for an apartment with XXXX apartments and paid a holding fee of approximately {$250.00}. I was assigned a different unit that I did not apply for after being told the apartment I applied for was ADA accessible. The apartment they moved me to does not work do to their being no grass nearby for ny dog to use the bathroom. They did tell me I could use the ADA accessible apartment but we're tall so the low countertops would be a problem. This entire dispute was done less than 24 hours of me applying on XX/XX/XXXX. I did not take possession of the unit and did not move into the property. I formally disputed the holding fee in person and was told I would receive a call from a manager and I never did. I disputed the transaction with my back on the XXXX of XXXX and e-mailed them on the XXXX. XXXX XX/XX/XXXX I received an e-mail from them.I called and was yelled at by the leasing consultant who transferred me to her manager. The manager said she would call me back and never did. I also sent them an e-mail confirming wheat we discussed on XX/XX/XXXX and they never responded. Since I never heard back I assumed it was resolved however yesterday XX/XX/XXXX I received an invoice from a collection agency. Improper Collection Activity Despite the active dispute, and less than 30 days after my written dispute was submitted, the property management company referred the alleged debt to a third-party collections agency. I did not receive a written response addressing my dispute, nor was I provided proper notice that the account would be placed into collections while under dispute. Fair Credit Reporting Act Concerns : I believe this conduct constitutes a violation of the Fair Credit Reporting Act, including but not limited to the furnishing of disputed and unverified information to a third party and the failure to conduct a reasonable investigation prior to collection activity or credit reporting. Harm to Consumer : Although the amount in question is relatively small, the impact is substantial. The existence of a collections account threatens my ability to secure housing, causes financial and reputational harm, and has resulted in significant emotional distress. Failure to Resolve : I made multiple good-faith attempts to resolve this matter directly with the property management company, including escalation to ownership or senior management. These attempts went unanswered, and no effort was made to resolve the dispute prior to sending the account to collections. I am prepared to provide supporting documentation, including my written dispute, collection notices, and related correspondence, upon request.

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This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.

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