Debt collection -- Attempts to collect debt not owed -- Complaint #4343061
Complaint Overview
Complaint ID: 4343061
Company: Ideal Collection Services, INC.
Product: Debt collection
Sub-Product: Other debt
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 33569
Date Received: 2021-05-01T12:00:00-05:00
Date Sent to Company: 2021-05-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Landlord, XXXX XXXX did not give any notice before sending an alleged damage claim to XXXX XXXX XXXX XXXX XXXX states according to Lease agreement without a forwarding address landlord did not need to contact to advise of alleged debt prior to placing on all three reporting agencies. The lease requires a forwarding address for a security deposit but not for the risk fee charged. Landlord never took a security deposit although they charged a risk fee in connection to a security deposit. Then used the laws governing security deposits to attack our credit without warning although no security deposit had been charged or paid. The risk fee was charged and paid not a security deposit and there is no move out protocol given for a risk fee. And as such, we were not required to give a forwarding address in accordance with the lease agreement signed. Landlord had mobile phone numbers and email addresses, yet made no effects to resolve this issues before attacking our credit. In addition, items listed for cleaning charges are not listed in the lease agreement. Landlord waited eights months after move out to attack our credit without warning. I've disputed this debt with the collections company. They are aware the legal forwarding address requirement is for security deposit not risk fees and no notice was given prior to placing damaging items on credit report and they have chosen to move forward with an alleged damage debt. This alleged damage debt was place on our credit at the exact time that I was submitting applications for apartments. One such complex waited three days called with a denial based on the above and has yet to put the denial and or conditional approval in writing as required by the consumer fair credit protection law. The landlord intentionally sought to damage our credit, and I am now being locked out of housing and forced to pay debt regardless of dispute because such damaging items deny one the ability to seek future rentals. The landlord used the credit reporting system as first resort while never giving us the opportunity to dispute items with them and or make payments if necessary to avoid negative credit effects.
Frequently Asked Questions
What is Complaint #4343061 about?
Complaint #4343061 was filed against Ideal Collection Services, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2021-05-01T12:00:00-05:00.
How did Ideal Collection Services, INC. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against Ideal Collection Services, INC.?
Yes, visit the Ideal Collection Services, INC. company profile at readthecomplaint.com/company/ideal-collection-services-inc to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.