Debt collection -- Took or threatened to take negative or legal action -- Complaint #8975158
Complaint Overview
Complaint ID: 8975158
Company: Procollect, INC.
Product: Debt collection
Sub-Product: Rental debt
Issue: Took or threatened to take negative or legal action
Sub-Issue: Threatened or suggested your credit would be damaged
State: Texas
ZIP Code: 75206
Date Received: 2024-05-09T12:00:00-05:00
Date Sent to Company: 2024-05-09T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Dear Sir/Madam, I am writing to express my concern regarding a recent collection notice I received from Pro Collect. This was the first instance where I was made aware of the alleged debt. I promptly contacted Pro Collect upon receipt of the notice, only to encounter an uncooperative agent who did not take the time to understand my situation. Despite not receiving any prior information about this debt from my landlord, I took the initiative to reach out via Pro Collects website to gain clarity on the matter. In response, a supervisor provided me with the necessary details on XX/XX/XXXX, and I immediately settled the amount in full on the same day. However, I am perplexed as to why this matter was reported to the credit reporting agency, thereby negatively affecting my credit history. This seems particularly unjust given that I was previously unaware of the debt and promptly cleared it upon notification. I strongly believe that the actions of the landlord and the debt collector have unfairly tarnished my credit history, making it challenging for me to pursue homeownership. It is important to note that I have maintained an impeccable rental history, never missing a single payment. Furthermore, I returned to the same apartment within 30 days of moving out, providing ample opportunities for the landlord to inform me of any outstanding dues. I kindly request your immediate attention to this matter and look forward to a resolution that rectifies the impact on my credit history. Thank you! XXXX
Frequently Asked Questions
What is Complaint #8975158 about?
Complaint #8975158 was filed against Procollect, INC. regarding Debt collection specifically about Took or threatened to take negative or legal action. It was received by the CFPB on 2024-05-09T12:00:00-05:00.
How did Procollect, 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 Procollect, INC.?
Yes, visit the Procollect, INC. company profile at readthecomplaint.com/company/procollect-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.