Debt collection -- Attempts to collect debt not owed -- Complaint #20843984
ProCollect Accused of Pursuing Paid Rental Debt
Complaint Overview
Complaint ID: 20843984
Company: Procollect, INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt was paid
State: Louisiana
ZIP Code: 711XX
Date Received: 2026-04-01T12:00:00-05:00
Date Sent to Company: 2026-04-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Risk Assessment
Risk Level: medium
The risk is medium because the company is accused of attempting to collect a debt that the consumer claims was already settled, which could lead to violations of fair debt collection practices.
Consumer Sentiment: negative
Topics: Debt collection, Rental debt, Paid debt
AI Analysis
CFPB complaint 20843984 was filed against ProCollect, Inc. regarding Debt collection (Rental debt), specifically about "Attempts to collect debt not owed". A consumer filed a complaint against ProCollect, Inc. for attempting to collect a debt that had already been paid, specifically related to rental debt. The complaint was received on April 1, 2026 from Louisiana. The company responded with "Closed with explanation".
What You Should Do -- Consumer Action Plan
Consumers should keep meticulous records of all payments made towards debts and dispute any collection attempts for amounts they believe have been satisfied.
Legal Context & Consumer Protection Laws
This situation could fall under the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using deceptive or unfair practices, including collecting debts not legitimately owed.
Regulatory Insight
Regulatory bodies may investigate if ProCollect has a pattern of attempting to collect debts that have already been paid, potentially leading to fines or other enforcement actions.
Resolution Likelihood
mixed
State-Specific Consumer Protections
The complaint was filed in Los Angeles, California, and state-specific consumer protection laws may also apply to ProCollect's actions.
Industry Comparison
This type of complaint is not uncommon in the debt collection industry, where disputes over payment status and debt validity can arise.
Related Issues
Frequently Asked Questions
What is CFPB complaint 20843984 about?
CFPB complaint 20843984 involves Debt collection (Rental debt). The consumer reported an issue with "Attempts to collect debt not owed", specifically "Debt was paid". This complaint was filed against ProCollect, Inc. on April 1, 2026.
Which company is complaint 20843984 filed against?
Complaint 20843984 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 20843984?
ProCollect, Inc. responded with "Closed with explanation". The response was marked as timely by the CFPB.
When was complaint 20843984 filed?
Complaint 20843984 was received by the CFPB on April 1, 2026. It was sent to ProCollect, Inc. on April 1, 2026.
What state was complaint 20843984 filed from?
Complaint 20843984 was filed from Louisiana. You can view all complaints from this state at /state/LA.
Was the consumer satisfied with the resolution of complaint 20843984?
Dispute information is not available for complaint 20843984.
What product category is complaint 20843984 about?
Complaint 20843984 is categorized under "Debt collection", specifically "Rental debt". This is one of the product categories tracked by the CFPB.
How was complaint 20843984 submitted?
Complaint 20843984 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 20843984?
This situation could fall under the Fair Debt Collection Practices Act (FDCPA), which prohibits debt collectors from using deceptive or unfair practices, including collecting debts not legitimately owed. This relates to a Debt collection complaint against ProCollect, Inc. involving "Attempts to collect debt not owed".
How likely is complaint 20843984 to be resolved?
Resolution likelihood: mixed. 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 20843984?
This complaint is rated as medium risk. The risk is medium because the company is accused of attempting to collect a debt that the consumer claims was already settled, which could lead to violations of fair debt collection practices.
What regulatory actions apply to complaint 20843984?
Regulatory bodies may investigate if ProCollect has a pattern of attempting to collect debts that have already been paid, potentially leading to fines or other enforcement actions. The CFPB tracks complaints like this one to identify patterns of misconduct across the Debt collection industry.
What should the consumer do about complaint 20843984?
Consumers should keep meticulous records of all payments made towards debts and dispute any collection attempts for amounts they believe have been satisfied.
Are there state-specific protections for complaint 20843984?
The complaint was filed in Los Angeles, California, and state-specific consumer protection laws may also apply to ProCollect's actions. This complaint was filed from Louisiana.
How does complaint 20843984 compare to industry norms?
This type of complaint is not uncommon in the debt collection industry, where disputes over payment status and debt validity can arise.
What documentation should a consumer provide to prove a debt was paid?
Consumers should provide copies of canceled checks, bank statements showing the payment, receipts, or any written confirmation from the original creditor or collector acknowledging payment.
Disclaimer
This analysis is AI-generated and does not constitute legal advice.