Debt collection -- Written notification about debt -- Complaint #20817051
Debt Collector Accused of Withholding Dispute Rights Notification
Complaint Overview
Complaint ID: 20817051
Company: Procollect, 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: Virginia
ZIP Code: 201XX
Date Received: 2026-03-31T12:00:00-05:00
Date Sent to Company: 2026-03-31T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The consumer alleges they did not receive the legally required written notification of their right to dispute the debt, which could impact their ability to challenge its validity.
Consumer Sentiment: negative
Topics: Debt collection, Consumer rights, Fair Debt Collection Practices Act
AI Analysis
CFPB complaint 20817051 was filed against ProCollect, Inc. regarding Debt collection (I do not know), specifically about "Written notification about debt". A consumer filed a complaint against ProCollect, Inc. for failing to provide written notification of their right to dispute a debt, despite the debt being related to Virginia. The complaint was received on March 31, 2026 from Virginia. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should be aware of their rights regarding debt validation and dispute, and keep records of all communications with debt collectors.
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 a debt.
Regulatory Insight
Failure to provide proper written notification of dispute rights can lead to violations of the FDCPA and potential penalties for the debt collector.
Resolution Likelihood
likely
State-Specific Consumer Protections
In Virginia, consumers have specific rights related to debt collection practices, and this complaint suggests a potential violation of those rights.
Industry Comparison
This complaint is typical of issues consumers face with debt collectors who may not always adhere to disclosure requirements.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20817051 about?
CFPB complaint 20817051 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 ProCollect, Inc. on March 31, 2026.
Which company is complaint 20817051 filed against?
Complaint 20817051 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 20817051?
ProCollect, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20817051 filed?
Complaint 20817051 was received by the CFPB on March 31, 2026. It was sent to ProCollect, Inc. on March 31, 2026.
What state was complaint 20817051 filed from?
Complaint 20817051 was filed from Virginia. You can view all complaints from this state at /state/VA.
Was the consumer satisfied with the resolution of complaint 20817051?
Dispute information is not available for complaint 20817051.
What product category is complaint 20817051 about?
Complaint 20817051 is categorized under "Debt collection", specifically "I do not know". This is one of the product categories tracked by the CFPB.
How was complaint 20817051 submitted?
Complaint 20817051 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 20817051?
The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to provide consumers with specific information about their rights, including the right to dispute a debt. This relates to a Debt collection complaint against ProCollect, Inc. involving "Written notification about debt".
How likely is complaint 20817051 to be resolved?
Resolution likelihood: likely. The company's current response is "Closed with explanation". The company did respond in a timely manner, which is a positive indicator.
What does the risk level mean for complaint 20817051?
This complaint is rated as medium risk. The consumer alleges they did not receive the legally required written notification of their right to dispute the debt, which could impact their ability to challenge its validity.
What regulatory actions apply to complaint 20817051?
Failure to provide proper written notification of dispute rights can lead to violations of the FDCPA and potential penalties for the debt collector. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20817051?
Consumers should be aware of their rights regarding debt validation and dispute, and keep records of all communications with debt collectors.
Are there state-specific protections for complaint 20817051?
In Virginia, consumers have specific rights related to debt collection practices, and this complaint suggests a potential violation of those rights. This complaint was filed from Virginia.
How does complaint 20817051 compare to industry norms?
This complaint is typical of issues consumers face with debt collectors who may not always adhere to disclosure requirements.
What specific information must be included in the written notification of the right to dispute a debt?
The notification must clearly state the amount of the debt and the name of the creditor, and inform the consumer that if they dispute the debt in writing within 30 days, the debt collector will obtain verification of the debt or a copy of a judgment.
What are the consequences for a debt collector failing to provide this notification?
Failure to provide proper notice can result in violations of the FDCPA, leading to potential lawsuits by consumers for damages, including statutory damages, actual damages, and attorney's fees.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.