Debt collection -- Attempts to collect debt not owed -- Complaint #5959785
Complaint Overview
Complaint ID: 5959785
Company: Professional Debt Mediation, INC.
Product: Debt collection
Sub-Product: I do not know
Issue: Attempts to collect debt not owed
Sub-Issue: Debt is not yours
State: Florida
ZIP Code: 32277
Date Received: 2022-09-07T12:00:00-05:00
Date Sent to Company: 2022-09-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX I received a letter from Professional Debt Mediation , Inc ( XXXX XXXX XXXX, XXXX XXXX, XXXX, FL XXXX ) stating that they are debt collection agency, and they want to collect {$850.00} I allegedly owe to XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX, XXXX, FL XXXX ). I replied them within 30 days ( on XX/XX/XXXX ) providing that I dispute this implication. I don't owe this amount to XXXX XXXX. I provided reference to lease agreement I had with XXXX XXXX, showing that charges they want to charge me are not based on the contract. All the lease payments, and also utilities, are paid in time ( and they're not disputing this ). They want to charge me for some cleaning, repair, carpet change, and other services, which I have no obligation to pay for. I also stated that there was no proof of move-out inspection ( which must have been according to XXXX of the contract ), nor any proof showing that I agreed with those charges, or ordered such services. On XX/XX/XXXX I received another letter from Professional Debt Mediation. They just attached the lease contract and XXXX 's account ledger. They didn't answer or argue to any of my references to the contract, and didn't provide any proof that I owe this money to XXXX. On XX/XX/XXXX I replied them again, pointing out that ledger is just an internal document of XXXX, they may add whatever they want, and it proves nothing. I asked them again to provide any proof with reference to the contract or any other valid document ( service order, move-out inspection document ) proving the debt. They didn't do it, instead they sent me another letter, titled 'Debt Validation ', which haven't had any proof, or contract reference, or any relevant answer to my dispute. They just attached the ledger and the contract again. They sent the same letter recently again ( on XX/XX/XXXX ). I also found that they put that 'debt ' which they can't prove into Credit Bureaus XXXX harming my credit score. So I not only have to waste my time and nerves to reply to those false accusations, I also suffer economical damage, as their false report harms my credit score. Please help me dealing with them, as they're a big organization, sending templated letters, and trying to get money I don't owe without having any proof.
Frequently Asked Questions
What is Complaint #5959785 about?
Complaint #5959785 was filed against Professional Debt Mediation, INC. regarding Debt collection specifically about Attempts to collect debt not owed. It was received by the CFPB on 2022-09-07T12:00:00-05:00.
How did Professional Debt Mediation, 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 Professional Debt Mediation, INC.?
Yes, visit the Professional Debt Mediation, INC. company profile at readthecomplaint.com/company/professional-debt-mediation-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.