Duncan Solutions, lnc. CFPB Complaints

2000 Latest Complaints

Date Received	Timely Response	Product	Issue	State / Zip	Submitted Via	Tags
02/19/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 08050	Web
To whom it may concern, I hope this find you well. Original Company Requesting $ : XXXX of NJ ( XXXX ) XXXX Collections Agency : PAM ( Professional Account Management, LLC ) ( XXXX ) XXXX Address of PAM : XXXX XXXX XXXX XXXX, WI XXXX Below, after these first four paragraphs, is a letter I wrote dated XX/XX/2019 in an attempt to dispute fees adding up to {$250.00}. In the letter, I mention owing {$200.00}, but that did not include one violation. Therefore, the sum PAM Collections is demanding from me is {$250.00} or else they will put a hold on my car registration. The aforementioned total derives from 7 unpaid tolls in the state of NJ which XXXX is claiming. I have no problem paying the amount of each toll which, totaling less than {$10.00}, but now they are not giving me the chance to pay just the toll itself ; instead they multiplied that by more than 25. It is unjustifiable that they are still requesting that much money from me after I wrote them a letter explaining why I did not pay each of those 7 tolls. An explanation for 1 or 2 of the unpaid tolls was forgotten in my letter, but I will be happy to add it now : There was an apparent technical issue with the toll booth/s because it didn't reduce the toll after adding money into the machine ; I had no other spare to change to fix that problem. However, that should not be the driver 's problem to fix. It is a shame I could not respond in an appropriate manner, but what is considered appropriate when their system is not even working appropriately? It is unbelievable that PAM does not consider potential death and no and/or limited open cash only and full-service lanes as inexcusable reasons to not pay a toll. As wide as the parkway is and as densely populated as NJ is, there should have been more full-service lanes, let alone 1, which would allow me to use bills versus change or even give me a receipt if I didn't have cash ( I think they just started doing that, good thing! ). Now, I am at fault for twentyfive-fold the actual cost because of their faulty system. I should not be held responsible to try fit in a bunch of phone calls a day to try to pay something I would have paid easily if the system was better. I remember that one time in which there were no cash-only lanes and no full-service lanes, leaving me no other option other than to drive through the XXXX lane. I -nor any other driver- should be left with such debilitating circumstances. What is more sickening is that they can not admit their fault, let alone understand how this could have happened even after explaining everything to them in the letter. It sounds like they prefer me to die by trying to make my way all the way over to the corner booth, where they accept cash, if it means paying a toll. It is unacceptable. I need your help ASAP. PAM Collections is saying they could put a hold on my car registration. I will be speaking with the DMV to try to get more information, but my hopes are very low. I will pay whatever it is that the tolls totaled ( less than {$10.00} ), but to pay {$250.00} for reasons I could not control is not right. Below is the aforementioned letter written on XX/XX/2019 to try to dispute the charges totaling {$250.00}, excluding personal information as to follow CFPB 's instructions : I am writing to dispute the following charges which have already been assigned to a collection agency : 1. XX/XX/2019, XXXX XXXX- XXXX XXXX XXXX : XXXX = {$1.00} 2. XX/XX/2019, XXXX XXXX- XXXX XXXX XXXX : XXXX = {$0.00} 3. XX/XX/2019, XXXX XXXX- XXXX XXXX XXXX : XXXX = {$0.00} 4. XX/XX/2019, XXXX XXXX- XXXX XXXX XXXX : XXXX = {$0.00} 5. XX/XX/2019, XXXX XXXX- XXXX XXXX XXXX : XXXX = {$1.00} 6. XX/XX/2019, XXXX XXXX XXXX = {$1.00} 7. XX/XX/2019, XXXX XXXX = {$1.00} I truly apologize for not paying the required fees in a timely manner in order to use the tolls. I had been wanting to call the second that I had to pass through the tolls without a payment. I was very upset that I had to pass through without paying the tolls. I had issues being able to call during XXXX business hours ever since XXXX. The reason I had to go through the tolls without paying in the first place was due to situations which forced me to do just that : not pay the tolls. I either felt as if my life was in danger and/or no All-Service lanes were available. There were many times that that has happened, even more than the 7 aforementioned incidents. However, I always paid the bill in the end before it being transferred to PAM collection agency. While this is not your problem, I tried my best to call during business hours, but I was unable to do so and the mail at my home was not being forwarded to me properly while I was out of town for work for 3 months ). I wanted to call so badly the second I had to pass through a toll without paying. Please let me settle this by paying the original toll amount. I promise that, if anything similar happens again, I will make sure to prioritize XXXX over calling doctors. I am sure everyone can relate- 24 hours in a day seems to never be enough time. I just sent in a payment of {$1.00} after retrieving a receipt from the pleasant toll employee. I am grateful that that service is now available. Even if I wanted to utilize that service during any of the above incidents, I was not able to because, as I mentioned, my life would have been in danger and/or there were no open All-Service lanes. A small fee is not worth risking my life, but I would love to pay the fees in which I owe without the penalty fees. I do not deserve to have to pay {$200.00} for such issues. In the incidents which I feared my life, getting over to the open All Service lane which was all the way in the corner at the very end was not an option as the traffic was constant and steady. As for the incidents when there were no All-Service lanes, I obviously had no other choice but to not pay, unfortunately. The All-Service lanes should have never been closed ; I could not believe my eyes that every single All-Service line was closed in multiple incidents. I do hope that you understand my conflict and offer me the opportunity to pay the toll fees without the penalty fees. I would love to pay {$4.00} for the tolls to abide by law as every citizen should. Have a great day. Thank you for your time, XXXX
04/14/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	NJ 08861	Web
I used two toll roads, XXXX XXXX XXXX in New Jersey on XX/XX/XXXX and XXXX XXXX. I also used the XXXX XXXX XXXX on XX/XX/XXXX and the NJ XXXX on XX/XX/XXXX. The toll roads were marked as XXXX XXXX lanes only and not XXXX XXXX and cash lanes because of covid-19. Their staff members were not available to accept cash payments and I didn't have an XXXX XXXX. I thought to myself, well I'll meet them halfway. So I came back to both offices in an attempt to pay the tolls the next day, in person, and the following days and tried to find an envelope or a mailing address to pay the toll amounts due, which were {$6.00}. I was unsuccessful because the toll road offices were closed. I also couldn't look up the tolls by ticket number online, when I should have been allowed to, but was denied only because their website says I need the toll violation number and my license plate. I only had my license plate number handy at the time in XXXX and in XX/XX/XXXX. I also didn't receive a toll bill in the mail, until the date of XX/XX/XXXX or shortly thereafter according to the date on the letter that was sent by Professional Account Management , LLC. There was no date on the envelope, just the collections notice and the date they filed their page. This letter is also a collection notice. The collection notice states that I must pay {$200.00}. I was baffled and asked myself, " why is this collection agency asking me for so much money, versus the {$6.00} that I should owe. They're charging me legal fees in excess of {$200.00} and neither they or the toll companies have shown any proof online of any earlier attempts of the toll companies to contact me by mail, email, or phone for the amount due when just a toll fee should have been due. {$200.00} is a huge amount to pay for services rendered to me when no one was around in a toll booth or office plaza. This doesn't make sense and I suspect fraud and abuse. {$6.00} is a small, but accurate toll bill, as it should have been addressed and way sooner that 11mos later. I'd like the investigating offices to ask, " why did the bill not come from the toll company? '' " Why did the bill come to the toll user, me, so late, and in the form of a collections notice, and why not contact me appropriately sooner? '' I also contacted the collections company from the letter i received and asked " why the toll companies didn't send me a bill at all? '' The bill, somehow, went straight to collections. The agent that answered the phone at number XXXX claims that the website has the bills displayed for me to view. That was incorrect and I've logged in using even the toll violation numbers from their letter to see. So I was lied to by this female employee, and I believe I was frauded. So not getting accurate paperwork from their offices, ever is a red flag. I contacted this collections agency on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, until I finally got an answer and was told that bit of information. So the date of XX/XX/XXXX is the one and only bill sent my way and I looked up every toll which I've looked up from that sole paper online at www.njtolls.com and was redirected because i hadn't received a toll violation or number until XX/XX/XXXX as listed in this letter. There was even an upcharge of up to {$230.00} in total for no apparent reason. This agency 's name is Professional Account Management , LLC XXXX XXXX XXXX XXXX, Wisconsin XXXX. Website XXXX. This company needs to be investigated for fraud and abuse. I was misled in many ways by both parties, and attempted to pay the tolls in person, again and again. Lastly, I didn't have enough information from them until over 11mos later from the earliest toll date on record. With that being said i sent a dispute letter to nj XXXX plus an {$8.00} money order, which together further explains what was said to me, sent to me, what the toll violations numbers were, and what should have been done as an option for all drivers who use toll roads in nj. They easily could have allowed me to send them the {$6.00} bill as a whole or individually, and alot sooner. If the original bill were sent at all, where is it? The collections office sent me this threatening letter and threatened to suspend my license, impound my car, and practically gagged me as if i were just going to pay thos amount without a dispute first. Myself and others may truly have been frauded out of money because no one was at the toll collections places in person, as the President asks all residents of places affected by covid-19 avoid large gatherings, and contact with people who aren't residents of your home. If they weren't around to send this letter, who is responsible to send a response to me in the for of an actual bill by mail from the toll plaza? The toll plaza, and not collections. The tolls plazas have tried to steal my money again and did it so blindly. Please stay safe and thank you for your valuable service. Have a safe day.
02/12/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI XXXXX	Web
RE : OFFER, Issue No. XXXX, date SAT XX/XX/XXXX, Time XXXX, Officer Name XXXX XXXX Officer ID XXXX, Agency XXXX XXXX Area XXXX Dear GENTLEMEN : I am in receipt of your presentment, hereinafter PRESENTMENT, date XX/XX/XXXX, the original, is enclosed herewith. As the Secured Party Creditor, and the holder of the paramount security interest in any and all real and personal property and the proceeds therefrom, registered to, associated with, in the possession of, or under the management of, XXXX XXXX XXXX XXXX XXXX XXXX, your alleged claims and/or requests prejudice my rights, titles, and interests in regards to said property as the Executive Trustee for the private trust to which said rights, titles, and interests have been pledged. In order for me to provide you with a remedy, I conditionally accept your offer upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached. And, a copy sent to undersigned for rebuttal or acquiesce, of the following : 1. VARIFIABLE Proof of Legal documents to prove that you are legally authorized to collect, 2. VARIFIABLE Proof of Amount of the actual debt, 3. VARIFIABLE Proof of Payments made on the account, 4. VARIFIABLE Proof of Accounting of the debt, including all interest and fees, 5. VARIFIABLE Proof of Fees and interest amounts, 6. VARIFIABLE Proof of a signed contract showing the terms about the debt, 7. VARIFIABLE Proof of WHO owns the debt/or has been assigned the debt, 8. VARIFIABLE Proof of a copy of a true bill from the original creditor, 9. VARIFIABLE Proof of a complete payment history, starting with the original creditor, and 10. VARIFIABLE Proof of a Certified and True Copy of the original signed agreement or application. Please Note : I wish to deal with this matter in writing and I do not give your administration permission to contact me by telephone. Should you do so, I must warn you that the calls could constitute harassment ' and I may take action under Fair Debt Collection Practices Act 806. Harassment or abuse [ 15 USC 1692d ]. No assured value, No liability. Errors & Omissions Accepted. All Rights Retained. WITHOUT PREJUDICE W ITHOUT RECOURSE NON-ASSUMPSIT Calls may be recorded NOTICE IS HERE BY GIVEN, this document stands under the doctrine of qui tacet consentire videtur, " he who is silent is taken to agree, silence implies/means consent ''. Failure to rebut, answer, respond, to this conditional acceptance upon proof, with bona fide evidence as proof of claim, done with and under a sworn affidavit, under penalty of perjury with unlimited commercial liability with evidence attached, and a copy sent to undersigned for rebuttal or acquiesce. Your agencys failure to rebut, address, answer or respond in this matter to Conditional Acceptance upon Proof, with bona fide evidence as proof of claim, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX, stand as a Default Judgment and Declaratory judgment of the facts stated herein being true. Your agencys failure to rebut, address, answer or respond in this matter to Default Judgment and Declaratory judgment, dated XX/XX/XXXX, USPS Certified Mail # XXXX XXXX XXXX XXXX XXXX, delivered XX/XX/XXXX created a Summary judgment and became a Final judgment with prejudice of the facts in this matter stated herein and will and shall stand Res judicata, under full faith and credit in any and all courts in the land from beginning of this matter, ab initio, now and forever. And thus barring any further acts, actions, rebuttals, appeals, defences, or judgments of any kind in this matter having herein been already decided. All Rights Retained, waiving none ever, in my correct capacity as beneficiary of the original jurisdiction. Permission must be sought in all matters of Privity where mutuality of interest occurs. I declare under penalty of perjury that the foregoing is true and correct. For and on behalf of XXXX XXXX XXXX XXXX XXXX TRUST Without Prejudice UCC1-308 ALL RIGHTS RETAINED By : XXXX of the XXXX XXXX XXXX Family, Principal Creditor/Authorized Representative Please direct responses to third party witness : XXXX XXXX XXXX XXXX, WITNESS c/o XXXX XXXX, XXXX, Michigan XXXX XX/XX/XXXX On behalf of XXXX XXXX XXXX XXXX XXXX XXXX XXXX /XXXX XXXX : XXXX XXXX XXXX THIS DOCUMENT IS NOT INTENDED TO THREATEN, HARASS, HINDER OR OBSTRUCT ANY LAWFUL OPERATIONS. IT IS FOR THE PURPOSES OF OBTAINING LAWFUL REMEDY AS IS PROVIDED BY LAW.
05/17/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	OH 44106	Web
I received a notice from Professional Account Management , LLC requesting that I pay them {$37.00}, because they claimed that this was the amount that I owed for an unpaid toll via XXXX XXXX XXXX. 1 ) I have an XXXX XXXX and should never have been sent a XXXX XXXX XXXX bill 2 ) I had received the XXXX XXXX XXXX Invoice and responded with the appropriate appeal letter and my account information so that they could charge me. I never received a response. The amount of the charge even without the XXXX XXXX rate was only about {$12.00}. When I received the letter from PAM I immediately called the XXXX XXXX and asked why I was receiving a collection notice for a toll I had sent them payment information for months prior. They explained that they had run into an error running my account number, and claimed that they had attempted to contact me, but mysteriously did not send a letter to the address that had resulted in the original response? Or perhaps that they had attempted to call despite my lack of messages? The explanation from the turnpike was very unclear. They verified that current total amount on the account, and what the current bill should be since I am an XXXX XXXX customer with an account in good standing at the time of the charge. It was noticeably lower than the amount I received in my letter. I paid the XXXX that was all I owed and was told that my account was current and XXXX. I sent a letter to PAM disputing the debt, and explaining that any amounts I owed to the turnpike were paid that was sent via certified letter next day. On XX/XX/2020 I received a letter dated more than a week after PAM would have received notice ( which at this point was also an additional week in the past, ie not the 5 in which I should have received a response ) which included no new information - no accounting of charges, no address and contact information of the original creditor, not even the license plate that they claim accumulated the charge. They included 2 lines, 1 claiming that " your payment was received after the due date ; therefore, a late fee was applied to the referenced account ( s ) and no refund is due ''. It now included a new, significantly lower payment. I again when through the XXXX XXXX phone tree for debt payments for XXXX XXXX XXXX invoices which sent me to XXXX XXXX that day and confirmed that I did not have a balance. I spoke with PAM 3 times on the phone on XX/XX/2020 and explained that I do not in fact owe any money to the turnpike and that I had spoken with multiple XXXX agents who do actually collect payments for the turnpike that I have an account that is paid in full, and that despite what PAM may currently claim, no fees were charged to my account from their end, and that as an XXXX XXXX customer I should never be charged any form of late fees or collection fees. With the total lack of information being provided by PAM the turnpike was unable to verify any of the numbers that I was receiving from PAM in terms of current account balance and historical amount owed, and was unable to figure out if perhaps PAM had confused my account with someone elses. After explaining that to PAM, they claim that they have no obligation to verify with that I do in fact owe a debt with the creditor that they claim to be collecting for, and that as long as their " systems '' show that I owe a debt, then they will continue to contact me. They also refused to give me contact information for the original creditor, claiming not to have it, despite the fact that they should have sent me that information in response to my debt verification letter. They insisted that I must be talking to the wrong people at the turnpike and that in fact the turnpike believed I owed it money. Despite the fact that they claim to be unable to give me contact information for the creditor who thinks I owe them money, they also claim that they are legally allowed to continue to pursue the debt until I find a way to contact the creditor myself ( the one they can't identify ) and get that creditor to forward information directly to PAM showing a XXXX balance. That is a XXXX-esque circle.
04/01/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web
I was notified by the XXXXXXXX XXXX XXXX offset department in regards to debts owed to city of XXXX XXXX in regards to vehicle/ parking violations. These debts were attached to my tax file for offset. In early XX/XX/XXXX, I contacted XXXX XXXX XXXX XXXX, whom also goes by Duncan solutions to get info. After a minute of conversation with XXXX the debt was in regards to a XXXX XXXX XXXX that was formerly my XXXX 's. I explained that to the collector and contacted my XXXX on a 3 way call to confirm that it was indeed his former vehicle. The collector was provided with a contact number and address to communicate with my son going further. At that point it was clear that the debt wasn't mine. In addition the inner agency department of the XXXX that handles offsets advise me that the collection agency would have to file a modification with the XXXX offset dept to remove this debt from my tax file. I advised collector of this and she told me that they don't do that. She advised me that I have to wait until they receive the tax offset and then prove to them that the vehicle wasn't registered to me ...? On XX/XX/XXXX I contacted XXXX to notify them of my convo with the collection agency handling this debt and that the collection agency wasn't willing to correct it. The XXXX rep then sent emails out to the appropriate dept. that they correspond with in regards to these matters. On XX/XX/XXXX I followed up with the XXXX to find out if they receive a return email, they hadn't. On XX/XX/XXXX the collection agency emailed the XXXX back and typed that they would contact me, per the callback I received from the XXXX. Over a week went by and nothing. I contacted the collection agency again with my son on a 3 way call to clear this up again. The rep that assisted us read the notes and sent out an email to the person who handles these debts in their office to escalate this. On XX/XX/XXXX {$XXXX} was intercepted due to this dept. On XX/XX/XXXX I contacted the XXXX again to notify them that the collection agency hadn't contacted me and has intercepted a portion of my refund. A supervisor at XXXX sent another email to the appropriate department at the collection agency to attempt to resolve this. The XXXX called me back on XX/XX/XXXX to notify me that the collection agency had replied by email that they would notify me. I told the XXXX rep that they said that previously and never maid contact with me. On XX/XX/XXXX I initiated contact by phone again to the collection agency to attempt to resolve this matter again. I spoke to XXXX a XXXX whom passed me off to XXXX the XXXX because only he had the authority to access the account. Then XXXX whom was very apologetic about this mishap transferred me to XXXX the XXXX whose line went directly to voicemail. I left XXXX a voice message and have not received a call back. Today on XX/XX/XXXX I contacted the agency and spoke with XXXX again to find out why they didn't submit the modification, she once again told me that they don't do that. She advised me that I have to wait until they receive the tax offset and then prove to them that the vehicle wasn't registered to me even after my son verified that it was his former vehicle registered to him. Professional account management attached a debt to my tax file without verifying and validating the appropriate personal information for that debt the XXXX and others involved. That is classified as unethical collection practices. I know that first hand, as I spent years as a collection XXXX for the Department of Education. All info has to be verified before you can offset taxes, submit wage assignments and bank levies. None of this was done. Had it been done then none of this would be happening. My son and I share a very distinctive middle name, but I am XXXX and he is XXXX Because of that distinction they more than likely assumed that we are the same person. They really need to learn how to skip trace and review info before they push paperwork. Former collection XXXX
06/12/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MI 48228	Web
DEBT VALIDATION LETTER Date : XX/XX/22 Name : XXXX XXXX Address : XXXX XXXX XXXX, MI XXXX To : Professional Account Management LLC Collection Services Division P.O XXXX XXXX, MI XXXX Account : XXXX Be advices this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection practices Act, 15 USC 1692g stating claim is disputed and validation is requested. This is NOT a request for VERIFICATION or proof of my mailing address, but a request for VALIDATION made pursuant to the above- named Title and section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you, At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX, and XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company of the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act. Violation of the Fair Debt Collections Practices Act, and Defamation of character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with any legal counsel for suit. This includes any listing of a any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. CEASE AND DESIST- Pursuant to USC 1692c. ( c ) I am notifying you in writing that I refuse to pay this alleged debt, and I am demanding that you cease all forms of communication with me though any and all mediums. Pursuant to 15 USC 1692c. ( c ) ( 2 ) - I am invoking any specified remedy is different. Zero out the balance on this account : Deletion from all consumer reports. Best regards, XXXX XXXX Im requesting the following information ; 1. Name and address of alleged creditor. 2. Name on file of alleged debtor. 3. Alleged account # 4. Address on file for alleged debtor. 5. Amount of alleged debt. 6. Date ( this alleged debt became payable ). 7. Date of original charge or delinquency. 8. Was this debt assigned to a debt collector or purchased? 9. Amount paid if debt was purchased. 10. Commission for debt if collection efforts are successful. Also include the following in your letter : Please attach copies of the following : Agreement with your client that grants __ ( Professional Account Management LLC ) the authority to collect this alleged debt. Signed agreement Debtor has made with Debt Collector, or other verifiable proof Debtor has a contractual obligation to pay Debt Collector. Any agreement that bears the signature of Debtor, wherein agreed to pay creditor. All statements while this account was open. Have any insurance claims been made by any creditor regarding this account. Have any judgments been obtained by any creditor regarding this account? Please provide the name and address of the bonding agent for ( Professional Account Management LLC ). In case legal action becomes necessary :
03/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 289XX	Web	Servicemember
On XX/XX/XXXX, I received a debt collection notice from Professional Account Management ( PAM ) for apparently two or three fines for toll violations in Georgia. The car license plate number provided did not match a license plates that I ever owned. We attempted to contact PAM multiple times sitting in telephone queue after telephone queue for over 8 hours. When we finally were able to connect with a representative of PAM, she informed us that we owed fines for toll violations in Georgia. We informed her that we never had a car with that license plate and further that we have not lived in Georgia in several years. We explained very clearly that this was not our debt. We asked for detailed information to try to determine if they were scammers but the PAM associate could provide no details regarding the make of the vehicle, the color of the vehicle, or anything. Then the PAM associate said that it was up to us to prove this is an erroneous claim. We spent 7 days tracking down this issue. We contacted the Georgia DMV, our insurance company for our cars, and the tag office in Georgia where our last car in Georgia was registered. After countless hours chasing the proof that we did not owe this down, we received all of evidence to prove this is not our debt. We have insurance paperwork proving that the license plate in question was not ours, we have a letter from the DMV and tag office stating that we did not own this vehicle and that this temporary license plate was never issued to us. Today, we sat on hold in the PAM queue again for two hours when we get in contact with a representative, they refuse to help us submit our proof and, quite frankly, started quoting their policies on collections while refusing to assist us. What happened? We sold our car in XX/XX/2021 to XXXX XXXX. In XX/XX/2021, XXXX XXXX sold that car to someone else and issued them a temporary tag. The new owner apparently went on a crime spree around XXXX violating tolls, racking up speeding tickets, and eventually totaling the car completely in XX/XX/2021. We learned in this process that in the state of Georgia when a temporary tag is issued on a purchased vehicle that the temporary does not transfer ownership - a permanent tag is the only way Georgia transfers title. This is a well known policy and PAM refused to verify this prior to sending us collection notices and then they further put the burden of proof on us. We have all the proof directly from the state of Georgia but PAM refuses to admit their failures and are doing everything in their power to keep this debt in my name. Sending people collection notices and accusing them of crimes without proof and then burdening the accused with having to prove their innocence is not the American way. In Georgia, a toll violation is a crime thats why there are fines. Ill end this complaint with a question, How would you like it if you were minding your own business walking down the street when someone walks up to you, accuses you of a crime and then tells you that you have to prove your innocence? For a crime that were not even in the state to commit! PAM represents all that is wrong with American tactics for debt collection. These call queues should not be allowed to keep people on hold for hours and the representatives should have proof that you owe a debt before they ever contact someone. In this case, since it is well established that temporary tags are not attributed to the new owner of a vehicle, PAM should have spent the time that they forced us to go through to ensure they are not defaming someones good name.
02/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI XXXXX	Web
On XX/XX/2016 I paid for parking in the City of XXXX using the XXXX XXXX app. My car license plate is " XXXX ''. I did not notice autocorrect changed the spelling from " XXXX '' to " XXXX ''. A parking ticket was issued as a result of the error. I immediately wrote a letter to the City of XXXX Parking Division to explain the error. The XXXX app shows proof of payment. I provided a copy of my car registration to show my license plate. I included a letter of explanation. I believed the error had been resolved until I received a letter from Professional Account Management, LLC ( P.A.M ). I phoned Professional Account Management to explain the error. Professional Account Management indicated I needed to appeal the Debt Notice and provide documentation I sent to the City of XXXX. I mailed the documentation that day. Approximately 30-45 days after I mailed the appeal to Professional Account Management I received a second Debt Notice to Collect. I phoned Professional Account Management explaining that I had sent the requested information to them via postal mail. I copied the documentation and mailed it again. Approximately 30-45 days later I received a third Debt Collection Notice. In a telephone call that day Professional Account Management told me they would elevate my appeal to a supervisor and the claim would be resolved. On Friday, XX/XX/XXXX I received another Notice to Collect Debt. I phoned Professional Account Management and was told there was no notation or documentation in my file. I subsequently attempted to send the support documents via secured signature mail and drove to the location listed but could not contact Professional Account Management directly, in person, in any way. I phoned Supervisor XXXX at Professional Account Management and left a voicemail requesting a return call for assistance. My message was never returned. In replying for the 4th time to Professional Account Management, I wanted confirmeation of my postal mail delivery to them by sending my response certified registered mail. Considering that their only mailing address is a XXXX address, I soon discovered that the USPS will not send a signature required letter to a XXXX . Determined to get a confirmation of receipt of my letter and corresponding documentation, I found a physical address for Professional Account Management located on XXXX in XXXX. Immediately, I hopped into my car and drove to the location to ensure that I would be able to hand deliver my documents to them only to discover that Professional Account Management does not occupy the physical address I had found on-line. On Monday, XX/XX/XXXX, I phoned Professional Account Management three times. On my third attempt I was told they can not reveal their physical address. Additional the person that I spoke to explained that I had to get an available supervisor 's FAX number so that I could fax my documents to them but that there were no available supervisors to speak to and was told to call back again in about 30 minutes to see if a Supervisor would be available. Despite repeated attempts to correct the City of XXXX initial error it remains. This matter needs to be resolved today. They are using tactics to collect a debt that is not owed but hoping that their tactics will wear my down just to pay it to make it go away.
10/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MA 01609	Web
Good Morning, The purpose of this writing is to formally communicate my experiences with the privately owned, for profit agency that collects tolls for the Massachusetts Government Department of Transportation, that agency is called XXXX XXXX XXXX Massachusetts and the collections agency that is currently seeking additional charged from me called Professional Account Management ( PAM ). The circumstances that have caused me to file this complaint as as follows. I had established that my XXXX XXXX tolls be paid through one of my credit cards. That credit card expired and I was away from my home for several months to take care of my family member that was very ill. I was not aware that the tolls were going unpaid. The result was an enormous amount of penalties, late fees, invoicee fees, collection agency fees, miscellaneous fees, etc.. For example, a single toll of {$0.00} cents was assessed a {$1.00} late fee for each month that it was late. That resulted in my paying {$550.00} on XX/XX/. I had requested a breakdown of all the tolls and their associated penalties and many numerous attempts to speak with a supervisor to seek additional information however noe of the attempts were successful. I have now been informed that PAM is seeking an additional amount of {$91.00} It is not clear that this money is owed as I had paid my balance in full with XXXX XXXX XXXX Mass already. I am now facing the suspension of my car registration and suspension of my Massachusetts Drivers License. Please help me to resolve this, As I have been trying for several months to resolve it without success. Below is a copy of a recent letter to both PAM and XXXX XXXX XXXX Mass that I rent requesting all information pertaining to my account. It has been extremely difficult as I have been given conflicting information in numerous conversations with both agencies. I need help and can not afford to pay more for this. Thank you. Good Morning, The purpose of this letter is to formally request all information that pertains to Massachusetts license plate number XXXX. That includes but is not limited to all tolls for the past 24 months, all related fines and penalties and fees ( including but not limited to late fees, invoice fees, Massachusetts fees, etc. ) associated with this license plate during this period, all communications, calls and records either received or made in relation to this license number, recordings of all phone calls made or received regarding this license number. Also requested is all internal records regarding this license number and associated account, including complaints filed, payments forwarded to any collections agency, any and all dates associated with payments made, received or transferred and or all dates associated with the assessment of related fees, penalties, costs, fines etc. Also requested is a description of how payments made were treated, allocated transferred, etc. Also requested is a breakdown of original tolls and dates and the total resulting fees, penalties, costs related to each individual toll. Also requested is the call records relating to supervisor call back requests and when and if they were made as promised within 24-48 hours. Also requested is the audio recordings relating to any and all communications between XXXX XXXX XXXX. Thanks you.
03/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	DC 20001	Web
On XXXX XXXX, XXXX, and at approximately XXXX, I parked my car on XXXX XXXX XXXXXXXX DC near the XXXX office at XXXX XXXX XXXX XXXX. I paid for parking in a legal spot and went to an event at XXXX. Approximately 45mins later, I exited and saw that my car had disappeared. I spoke to a couple DC police officers near my parking spot ; they saw my car towed away and stated that happened because it was parked during rush hour in a non-rush hour spot. I pointed to the clearly visible parking signs on XXXX XXXX ( see attached photos ) showing my parking space to be legal at the time, and pointed to a car that had been parked behind me since before I got arrived on XXXX XXXX That car had a paid parking ticket displayed inside its front windshield - exactly as I had displayed my own paid parking ticket - yet had received no ticket for illegal parking. I called the DC parking hotline to find my car had been moved a few blocks away to XXXX XXXX and XXXX XXXX XXXX, with a complementary towing ticket. The rush hour and towing citations were {$120.00} each, for a total of {$240.00} owed to the XXXX for ILLEGAL ticketing and towing of my vehicle. On XXXX XXXX, XXXX, I went in-person to the XXXX office on XXXX XXXX XXXX to dispute XXXX citations on the grounds of my legally parking on XXXX XXXX XXXX and paying for that parking ( case no : XXXX ). The Hearing Examiner, XXXX XXXX, indicated that because the DC XXXX had no photo evidence to present, I had the right to upload my own photo evidence and deny the citations, with a high probability of resolving XXXX citations without any payments owed. I uploaded photos that evening. On XXXX XXXX, I received notice of the outstanding citations and decided to dispute them through mail. Note : I had already disputed in-person and provided photo evidence. See attached documents for my letter to the XXXX on XXXX XXXX, XXXX and justification for removing these XXXX tickets from my vehicle record. I heard nothing back from the XXXX in XXXX : no acknowledgement of my dispute, no resolution of the tickets, no request for my appeal of any negative decision the XXXX may have handed down, and no other communication that could have helped this issue move to resolution. Fast forward 12 months : I received the first of several collection letters from Professional Account Management, XXXX in XXXX, XXXX. That first collection notice referenced the parking ticket only. I received another notice in late XXXX reminding me of the parking ticket debt owed, and yet another notice on XXXX XXXX referencing XXXX the parking ticket and the towing ticket, again for a total of {$240.00} ( most recent notice attached ) I realize this is small change given the types and magnitude of debt ( mortgage, school loans, etc. ) the CFPB also deals with. I 'd still appreciate any help you can give me. For what it 's worth, I went onto the Professional Account Management, XXXX website to search for the XXXX citations in question and found nothing in their system ( see attached screenshots ). Thank you in advance for any effort you put into helping me resolve this. No one should have to go through all of this for vehicle-related citations that do n't hold any water. It 's a waste of everyone 's time. Best, XXXX
11/30/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	CA 94131	Web
I crossed the XXXX XXXX XXXX at a time when they no longer had toll booth workers. An invoice was submitted to me. I was informed by XXXX XXXX XXXX that if I opened up an account with them, the tolls would be taken care of. I did, however, there was a mix-up on their end ( regarding the effective date that my account was opened ) and this toll remained outstanding. At some point, while I thought it had all been worked out, they instead sent the amount to a debt collector, Law Enforcement Systems, XXXX. The total amount due was {$76.00} - of which {$6.00} was the original toll fee. In XXXX XXXX, I received a notification from the debt collector that they had sent a notice to the State of California for garnishment of {$76.00} from my upcoming XXXX income tax refund. When I learned of this, I called XXXX XXXX and they resolved it to my favor, they communicated this status/resolution to the debt collector in XXXX XXXX. On XXXX XXXX, XXXX I also sent a follow-on letter to Law Enforcement Systems , LLC reiterating the status that should have been communicated to them by XXXX XXXX XXXX and also, submitted, a check for the original {$6.00} toll fee which I subsequently learned was what caused the hiccup in that once this past due amount was sent to debt collections, XXXX XXXX XXXX could no longer merely use my balance on account with them to pay the {$6.00} original toll crossing fee ( which I assumed that they had done ). I thought everything was resolved. Around XXXX XXXX, I went onto the Law Enforcement Systems , LLC website and now saw that I no longer owed any amount. Again, I thought it was all behind me. Unfortunately, despite my written request for them to do so, the debt collector failed to retract the notice requesting intercept of funds that they had sent to the State of California. Thus, in XXXX of XXXX, I received a notice from the State of California Franchise Tax Board that the {$76.00} was indeed intercepted. On XXXX XXXX, XXXX, I called Law Enforcement Systems and spoke to a customer service rep named XXXX who indicated that per their records, they showed that they owed me a refund of {$76.00}, he informed me on that call that he processed and submitted the refund on my behalf and that I would be getting my refund within 120 days. 120 days passed and I did not receive the refund. I called again on XXXX XXXX, XXXX, spoke to a rep named XXXX, who informed me that the refund had not been fully or properly submitted. At this point, I have little to no confidence that I will receive my refund, which they acknowledge that they owe to me. I wish to report this as an egregious form of false statements to me and false representation as to the status of my refund. I am educated, intelligent and persistent. I do not need the {$76.00} but I am speaking out to you because if someone like me does n't, they will continue to run people in circles who actually do need their refund money. I feel that they are not conducting business with any integrity at all. In other words, I have the feeling that they do this all the time, to elongate the processing of a refund in the hopes that the consumer will just give up. But as I said, I am persistent and just offended to no end. Please advise if you can assist.
07/18/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	LA 70001	Web
As a federally protected consumer, I am highly disappointed and unsatisfied with Professional Account Management LLC. My name is XXXX XXXX and I am making this complaint against Professional Account Management LLC for committing identity theft. I have no recollection of authorizing or giving Professional Account Management LLC any permission to use any of my identifying information to commit mail fraud by contacting me about an alleged debt that claim I owe. I am fully aware that, in accordance with Article 9, the assignment of a defaulted note is illegal. Both the assignee and the assigned are equally liable for violations pursuant to 15 USC 1692e ( 12 ). It seems as though this account has been turned over to innocent purchasers for value, when that is a very false and misleading representation. I have not validated any alleged debt with Professional Account Management LLC and my failure to dispute the validity of this alleged debt shall not be construed as an admission of liability. As of XX/XX/2022, I have not received any documentary evidence, such as a trilateral contract, giving Professional Account Management LLC any right to collect on this alleged debt. I have also never received any documentation requesting validation from Professional Account Management LLC before they decided to commit multiple federal violations under the Fair Debt Collection Practices Act. If Professional Account Management LLC can not provide me with proof, such as a tracking number, that they attempted to lawfully validate this alleged debt with me, the consumer, this has been a fraudulently and unauthorized fraudulent account with forethought and malice as an attempt to bring harm to me and my financial reputation. I am legally refusing to pay this debt pursuant to 15 USC 1692c ( c ). I am demanding a cease and desist of all illegal activity, all collection activity and communication expect through mail to above address, of this and any alleged debts until Professional Account Management LLC can provide me with sufficient documentary evidence that I have any legal obligation to pay them. This includes the furnishing of any information to any credit reporting agencies. If this documentary evidence can not be produced and Professional Account Management LLC continues its collection efforts, I will file for litigation and Professional Account Management LLC will be held criminally liable for aggravated identity theft pursuant to 18 USC 1028A, extortion, theft by deception, securities fraud, and mail fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified pursuant UCC 1-202f. Your prompt attention and response are both requested and required.
05/10/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20007	Web
On XXXX XXXX , XXXX , I was wrongfully charged with a toll violation while driving in XXXX . I was driving home to XXXX XXXX . In XXXX XXXX , I received the first notice of the alleged violation. I promptly appealed the violation in XXXX by mailing the required evidence that showed my XXXX account had a positive balance on XXXX / XXXX / XXXX . On XXXX / XXXX / XXXX , I was sent a FINAL NOTICE OF TOLL VIOLATION. Again this violation alleged I had driven through a XXXX XXXX without remitting the {$4.00} toll due. An Administrative fee ( {$25.00} ), a Civil Penalty ( {$25.00} ), and a Civil Penalty Surcharge ( {$12.00} ) took the total amount I allegedly owed the XXXX XXXX XXXX XXXX to {$66.00}. Again, I responded promptly. A XXXX employee told me over the phone I could send my appeal via email to XXXX XXXX Custome r Service. So I emailed XXXX a printout of my XXXX Account Activity, this time highlighted and circled, showing them that my account had a positive balance on that date.I emailed this to them on XXXX XXXX , XXXX . On XXXX XXXX , XXXX , I received an email response from XXXX saying " Im happy to inform you that your appeal was approved, granting you the waiver of the previously applied administrative fee ( s ). '' The l etter contained a request to contact XXXX to pay the {$4.00} toll. The letter did not explain why I still needed to pay {$4.00} toll ; I thought my account activity proved that I did not owe any toll. The letter did not mention any deadline to pay this toll, did not state any possibility of the administrative fees being re-charged, and did not state any deadline before the debt would be sent to Collections. In XXXX XXXX , I opened a Notice of Assignment to a Collection Agency dat ed XXXX / XXXX / XXXX , from Professional Account Management, LLC ( " PAM '' ). The total amount due is listed at {$66.00}. On XXXX / XXXX / XXXX , I called PAM to dispute the charge. The agent, XXXX , who would not give me her badge or ID number but stated her initials were " XXXX , '' told me she was making note of my dispute but that she could not help me, I would have to talk to XXXX . I immediately called XXXX , and spoke to XXXX and then a supervisor. Both parties would not admit any fault, and simply said that because I did not pay the {$4.00} in XXXX , they had referred the entire amount of this completely bogus claim against me, {$66.00}, to the collections agency. I told them I would pay {$4.00} right then and asked them to alert PAM that my debt was settled. They refused.
08/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MD 21122	Web
Professional Account Management [ XXXX XXXX XXXX ] [ XXXX, NY XXXX ] Re : Validation of Debt PAM Notice Number : XXXX Toll Violation Number : XXXX Dear Sir/Madam, I am writing to formally dispute the debt collection notice I received from Professional Account Management, dated XX/XX/2023, regarding Toll Violation Number XXXX. This letter serves as my request for validation of the debt as outlined in the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. According to the notice I received, I am being claimed to owe {$74.00} for the aforementioned toll violation. However, I have not been provided with sufficient information to validate the legitimacy of this debt. I kindly request that you provide the following information : 1. Original Documentation : Please provide the original document that clearly shows the debt was assigned to Professional Account Management. This includes any agreement, contract, or assignment document that demonstrates the validity of the debt and your authority to collect it. 2. Proof of Ownership : Provide evidence that establishes your legal ownership or authorization to collect the debt in question. 3. Detailed Account Information : Furnish a breakdown of the alleged debt, including dates of the violation, the toll booth involved, and any associated charges or fees. I need a comprehensive account of how the total debt amount was calculated. 4. Account Validation Requirements : Please provide all necessary documentation to verify the accuracy and legitimacy of the debt, in accordance with the FDCPA requirements. Furthermore, I would like to bring to your attention that the notice I received indicated this as a " 2nd collection notice. '' However, I believe there is a mistake, as this is the first communication I have received regarding this alleged debt. It is important that any communication accurately reflects the status of this matter. Until I receive the requested documentation and the debt has been appropriately validated, I am exercising my rights under the FDCPA to request that all collection efforts cease. This includes but is not limited to phone calls, letters, and any reporting to credit bureaus. I look forward to receiving the necessary information to validate this debt and confirm its accuracy. Please ensure that all correspondence related to this matter is sent to my address as provided above. If you are unable to provide the requested documentation, I kindly request that you cease all collection efforts and consider this matter resolved. Thank you for your prompt attention to this matter. Sincerely, XXXX
08/26/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23060	Web
I had never received a notice from XXXX XXXX for XXXX XXXX XXXX for overdue amounts from the expressway that totaled the amount of around {$60.00}. The website is very vague and only shows the initial amount that your account went negative so I could only ever see that my account was - {$.00} or - {$.00}. I would get a notification on my email that my account balance was low ( < {$10.00} ) or below {$0.00}. I would make a payment of $ XXXX and the notification would go away and my account balance would show positive balance and as I would travel the XXXX XXXX I would have all green notifications signaling my account was replenished and the notification emails would stop about the insufficient funds. Somehow over the months of XXXX to XX/XX/2019 I had managed to owe around $ XXXX from unsettled amounts from negative balances not being shown on the website, that weren't being covered by my reimbursements. The problem came in when they were sending the notices to a previous address that I no longer had access to and the mail wasn't being forwarded. Over months I was replenishing my account , drive the XXXX to work using money on my account , drive the toll see a green light after I paid. I had no way of knowing this problem way happening until months late in XXXX when I received a clump of finally forwarded mail from Professional Account Management in XXXX, Wisconsin for a sum totaling over {$1200.00}. I was calling back and forth between XXXX XXXX and XXXX XXXX trying to explain the situation over and over again to just get basic information about how the charges happened, where, getting a basic transcript that didn't even have the information I was asking for to prove what I was telling them. XXXX XXXX representative had said on one occasion it had looked like the transponder had potentially malfunctioned and sent me a new one. I never could get straight answers about what had caused it but XXXX XXXX XXXX said that they couldn't help me because they had released it to Professional Account Management, P.A.M said they can only waive debt if it was proven to not be your vehicle. I have been stuck in a circular cycle without hope because I am being threatened with an absurd amount, they tacked on {$35.00} on each charge of {$0.00} for " administration fees '' that blew the total cost to 2000 % over the initial charges. I spent weeks of stressing and calling agents who I would have to re-explain every time and anxiously waiting to hear back. If I had any indication that this was happening or that I had owed {$60.00} on my account I would have paid it. Please help me.
02/06/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 23464	Web
I attempted to renew my vehicle registration and was advised by the DMV that there is a hold on my registration due to a debt owed. DMV referred me to XXXX XXXX XXXX XXXX who then referred me to Professional Account Management Collection Agency. I was told I owe {$160.00} for a bridge toll back from XX/XX/2018. I advised them I never received any notification or bill for this. The representative confirmed this by telling me she can see in my file that the mail was returned. I confirmed my address is correct but am not sure why the mail was returned. She also confirmed that over {$120.00} of the debt owed is for fees. Naturally, I was appalled to learn that I am being charged over 1000 percent markup in fees for using a bridge once. I don't even recall using the bridge because I have my GPS set to avoid toll roads but even if I did, it is quite surprising and disturbing to pay {$160.00} for one toll, especially when the collection agency confirmed I did not receive any notifications or bills. I also did not receive any phone calls or voicemails. I asked if there was any way to reduce the amount of fees and I was told they can not reduce it in the slightest. I also tried calling XXXX XXXX XXXX XXXX directly and they were extremely rude stating because their records showed they mailed me something once almost two years ago that there was nothing that could be done. She kept directing back to the collection agency who told me they couldn't do anything either. Now, I am in a position where I can not register my vehicle and do not have enough money to pay the full amount. Sadly I have run into quite a few people who have told me they have or are currently experiencing the same issue. It is very clear XXXX XXXX XXXX XXXX as well as their collection agency are taking full advantage of customers/citizens by price gouging over 1000 % off of one toll and by putting holds on people 's vehicle registrations, forcing us into very compromising situations so they can make a profit. Where is the money going they are making in fees on a regular basis? The fact also still remains, as the collection agency confirmed, I never received any notice of the debt, nor did I receive a right to dispute notice or a breakdown of what I am being charged.
10/14/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 121XX	Web
I received debt collection notice from alleged company " Professional Account Management LLC '' dated XX/XX/XXXX for an amount of {$79.00} claiming [ they ] have been retained by the New York XXXX XXXX XXXX In the notice was listed my NYS License plate number with toll plaza numbers from a trip I took in XX/XX/XXXX. Knowing I did not have an outstanding balance on these tolls, I confirmed this by contacting the XXXX XXXX XXXX and also their collections department. I was assured that I have no account balances related to my plate number, and that no accounts were sent to collections on record. I was also told that XXXX XXXX does not retain the company " Professional Account Management '' for any of their debt collections purposes. I also confirmed with my checking account statements, the XXXX payments made by me directly to the XXXX XXXX XXXX in XXXX which satisfied my outstanding balance of my toll violations for this trip in XX/XX/XXXX. Upon searching for this company 's website I discovered that my debt collection notice lists a completely different website, phone number, and address than the apparent legitimate company by the same name, which is also debt collection company. No queries of my license plate numbers to the latter produced any record of accounts. When I called the number on my notice to directly confront a representative I was given no resolution but only a demand for more of my personal information, and was told that the information she was able to access from her system indeed showed that this is my debt and was opened by XXXX. The representative refused to give me her full name. She refused to provide an address for the company other than the XXXX XXXX XXXX listed in the notice ( XXXX XXXX XXXX XXXX, WI XXXX ). She refused to speak jointly with the XXXX XXXX when I offered as a way to mediate the conflict. I believe this is a debt collection scam fraudulently using my name and information as a way to extort money from me and I fear the repercussions to my credit as retaliation non payment of a debt I do not owe. I have proof of payment for alleged debt and confirmation from the XXXX that they do not retain this XXXXbased company for outstanding collection services
02/23/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	NJ 08902	Web
My name is XXXX : XXXX, a federally protected consumer and the beneficiary of the Social Security XXXX XXXX XXXX XXXX XXXX. I am submitting this complaint without any influence from any third party or agency. See the attached documents ( Affidavit ) as it contains my full complaint/demands. I am making this complaint against Professional Account Management LLC. for violating my federally protected consumer rights ( as mentioned in my Affidavit, which now constitutes civil liability per 15 U.S.C 1692k ) and committing identity theft ( 15 U.S.C 1681a ( q ) ( 3 ) ). I have never given Professional Account Management LLC. any permission/consent to use/obtain any of my personal information to commit mail fraud by contacting me about an alleged debt they claim I owe or to create an account without my knowledge ( Exhibit A, attached ), which is also an invasion of my individual privacy. On XX/XX/2022 I received a letter ( Exhibit A, attached ) from Professional Account Management LLC. which is mail fraud ( 18 U.S.C 1341 ) and contains violations as marked. On XX/XX/2022 I sent out documents to Professional Account Management LLC. ( see attached documents ) to verify the debt ( provide a true bill in commerce ), cease and desist and demanded to compensate me for the violations on Exhibit A. On XX/XX/2022 Professional Account Management LLC. received my documents ( green return slip signed attached ). On XX/XX/2022 Professional Account Management LLC. responded with a letter ( Exhibit B-1 ) which is not a proper response to an Affidavit and the documentation they provided to allegedly " validate the debt '' is insufficient. Professional Account Management LLC. has not provided sufficient documentary evidence that can prove that I have any legal/lawful obligation to pay them. I am demanding that Professional Account Management LLC. provide the original instrument of indebtedness or proof that the instrument still exists, and the contract that they have to collect on the alleged " debt ''.
12/31/2015	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TX 76010	Web
The XXXX is using deceptive practices in an attempt to benefit from an increase in late fees due to a system limitation and/or flawed process. I had a negative balance in my toll tag account which I do not dispute. As such, I received invoices and subsequently deposited {$100.00} in my toll tag account. The {$100.00} would have covered several invoice balances and would have eliminated the accural of additional late charges. XXXX did not credit the surplus funds to my outstanding balances and as such continued to collect late charges. They sent XXXX invoices to " collections '' while they were sitting on {$100.00} in the toll tag account. They told me they were not able to waive the excessive late fees because the system did not work that way and would not automatically transfer the funds. You have to call to do that and that is not disclosed anywhere. As such, they continued to collect late charges based on an aging criteria. 1. XXXX needs to fix their system so if there is a balance added to the toll tag account it will be automatically applied to any outstanding bills. 2. They should also be able to be applied to balances in collections and waive those late fees if it their was a balance in the toll tag account as their " collections '' department is in house and owned by the XXXX. My total late charges paid were 56 % times the amount of my original toll. Unpaid balances should be paid by surplus toll tag account on a XXXX basis. Banks are cited for these sort of practices, so why should n't the government be held to the same standard? Example : Toll charge 1= XXXX Toll Charge 2= {$26.00} Total for that invoice is {$88.00}. Late Charges are {$70.00}. A total amount of {$150.00} was sent to ( in-house XXXX ) collections. Collections attempted to collect on {$150.00} while I had {$100.00} surplus balance in my toll tag account. In addition, there were newer oustanding invoice balances that continued to accrue late charges as that surplus balance remained in tact.
01/18/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	GA 30815	Web
On XXXX XXXX, XXXX I sent a notarized affidavit to Recorder of Deeds in the county of XXXX XXXX, XXXX, Georgia stating the following : I have received correspondence from the XXXX credit bureaus : XXXX, XXXX and XXXX that they verified this account PROFESSIONAL ACCOUNT MGM via phone, email or fax. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). On XXXX XXXX, XXXX I received official correspondence from Recorder of Deeds in the county of XXXX County of XXXX, Georgia, ( XXXX XXXX XXXX, Clerk Superior, State and Juvenile Court, XXXX County, Georgia ) stating that they do not report to the credit agencies listed above " Our office does not provide any information to credit reporting agencies. You will need to contact the credit reporting agency in order for them to update their records. '' On XXXX XXXX, XXXX I sent legal notarized affidavits from XXXX County, Georgia to XXXX, XXXX and XXXX stating the following : To the Following : XXXX, XXXX XXXX, XXXX, TX XXXX ( XXXX. XXXX XXXX, XXXX, TX XXXX ) XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ( XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, PA XXXX ) XXXX XXXX XXXX XXXX , XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ( XXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX ) This is an unverified account. I acknowledge this account/debt was established without my knowledge and I have no contractual agreement with PROFESSIONAL ACCOUNT MGM ( XXXX XXXX XXXX XXXX, WI XXXX ). On XXXX XXXX, XXXX I then sent copies of these legal affidavits, the XXXX County Deeds Office letter, and a letter informing PROFESSIONAL ACCOUNT MGM the following : I do n't know anything about this debt please send to the Original Creditor. As Resolution of this complaint, I ask that PROFESSIONAL ACCOUNT MGM stop all current and future correspondence with me and their company be erased from my current credit report. Thank You, XXXX XXXX
07/27/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CT 06492	Web
Professional Account Managment LLC has been send us letters " DEMAND FOR PAYMENT ''. After the first from the XXXX XXXX XXXX XXXX asking for {$260.00} dallors for tolls their employees told us to " just drive through '' because we didn't have or even no we need a XXXX XXXX XXXX XXXX At the time we asked if we could pay with Check or Card and were told no, we were not told there would be a {$50.00} fee on top of each toll. We called and the XXXX XXXX XXXX XXXX Representative told us to pay the toll amount and they would wave the fees seeing how it was our first time, we did. Then we received more notices and when we called they told us to sign up for the XXXX XXXX XXXX XXXX program even though we dont live in New Jersey along with an dispute letter and they would wave the fees, we did. Then we started getting letters from Professional Account Managment LLC claiming they represent the XXXX XXXX XXXX XXXX and that they were attempting to collect a debt. We called and explained what was listed above and were told they would look into it, they clearly did not. The times they attempted to contact us by mail and all three times we responded by mail asking for them to for the information they are required by law to provide and all three times they ignored our requests. On XX/XX/XXXX they again tried to collect on the debt we feel we do not owe, on XX/XX/XXXX we again asked for for the information they are required by law to provide, told them not to stop contacting us until after they provided us with all the requested information and reminded them by continuing to attempt to collect without first providing written verification they were in violation of the Fair Debt Collection Practices Act. Their response was a single piece of paper on XX/XX/XXXX in response to my letter say please review attached documents, their were none. Now it's on XX/XX/XXXX we receive another letter dated XX/XX/XXXX " DEMAND FOR PAYMENT '' say to pay the total due immediately.
04/16/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30038	Web
RE : Toll Violation # XXXX I contacted this agency because I found out I owed money from a third party but never received a bill. I asked them why they never sent one and wasn't provided an answer. In addition to me speaking with them, my assistant spoke with their rep named XXXX on XX/XX/XXXX. She confirmed the total amount due was {$140.00} and that it would bring the account to zero balance. She was asked again to confirm this was the total due and she did. The phone call was taped, so please review it. She also stated all the violations were from XX/XX/XXXX, which didn't seem correct. When asked for an invoice she said they didn't send those. I didn't believe the amount was accurate either, and was never provided with proof it was my car that used the toll road when they claimed I did. I know I used it a few times, but the amount seemed high for the low usage. Nevertheless, the total due was paid by money order. Shortly after, a letter arrives stating ANOTHER {$50.00} is due and that these violations are also supposedly from XX/XX/XXXX. I am disputing this amount of {$50.00} since I was told {$140.00} was the TOTAL due and this amount was paid. I didn't dispute the {$140.00} even though I should have as I was provided no evidence and never received an invoice. Mistakes are common and it appears I'm being billed fraudulently, or for someone else 's usage. But I chose to pay without dispute to save time. I will now take note of any time I use the toll road to prevent this scam in the future. It takes time out of my busy schedule to dispute this company 's inaccurate, unfair and unethical billing. I tried to email them but there is no email address on the statement or their website, as far as I can tell. I called them but they kept me on hold way too long, and then their rep asked too many invasive questions in supposedly trying to verify the account AFTER she was given the violation number and my full name and address.
09/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	WI 53072	Web	Servicemember
XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX illegally garnished my state taxes without suing me first and acquiring a court ordered garnishment. They took {$270.00} out of my XXXX state taxes as of XX/XX/XXXX and I finally received a notice on XX/XX/XXXX. XXXX. Pam and the XXXX of XXXX, XXXX XXXX XXXX XXXX never contacted me prior to illegally taking {$270.00} from my state taxes. XXXX. I did send photo id, notice, proof of sale and a statement to PAM at they requested on XX/XX/XXXX by mail. This has been refused just to delay the process. Since then I have received even more citations. XXXX XX/XX/XXXX I drove to the XXXX Police XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, WI XXXX and spoke with an XXXX XXXX XXXX XXXX who researched and pulled up proof of the sale and that the plates were cancelled. The plates had expired on XX/XX/XXXX and the XXXX XXXX XXXX was sold to XXXX XXXX on XX/XX/XXXX. XXXX. PAM who is associated with the XXXX of XXXX, XXXX XXXX XXXX XXXX, both make it impossible to try to correct incorrect parking citations by calling them, emailing them, and/or speak to any XXXX face to face.. I have had XXXX phone conversations where they have called me and a mail correspondence. I dove to the South Payment Center @ XXXX XXXX XXXX XXXX as directed by XXXX XXXX XXXX on XX/XX/XXXX. At that payment location I was told to call a number that is directed to XXXX with no way to talk with a person ( call made at XXXX on XX/XX/XXXX. XXXX visited XXXX XXXX on XX/XX/XXXX where he stated that the City of XXXX, XXXX of XXXX XXXX XXXX not properly doing their job as I should not be receiving citations on this as my vehicle has a recorded sale in the system stating that XXXX XXXX XXXX XXXX owner of the XXXX XXXX XXXX and that my plates were expired. XXXX. Many of the citations are are on other vehicle and the plates are not valid not have been since XXXX. The plates have been stolen.
02/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19038	Web
On XX/XX/XXXX, I received a notice of assignment to collection agency from Professional Account Management , LLC for {$50.00}. This is for administrative fee assessed by the New Jersey XXXX XXXX. Due to COVID-19, the toll plazas were closed and signs on the highway instructing drivers that tolls will be sent by mail. I have received my toll bills in mid-XXXX XXXX ( on or around XX/XX/XXXX ). I paid my toll bill online and disputed the administrative fee through their website. I received an email receipt for the toll payment with a note that my dispute of the administrative fees ( {$100.00}, originally round trip ) will be reviewed and I will be notified. I have never heard back by email or otherwise from the New Jersey XXXX XXXX until the collection letter from XXXX, XXXX sent to me on XX/XX/XXXX. I have attempted to dispute the collection with XXXX to no avail, called multiple times and it was clear that they can not be reached by phone by design. I have tried to work through the XXXX of XXXX to get their attention and have someone reached me by phone, and they were more interested in blaming me than honestly attempt to reach me. On XX/XX/XXXX, I sent them a letter to dispute the charges and try to find a solution and I have yet to hear from them. They denied receiving any communication from me even though I attached a copy of the letter I sent them, which does not give me confidence that they are dealing with me with honesty and fairness. I am disputing the {$50.00} charge because I was not at fault when the New Jersey XXXX XXXX fails to send me the toll bills on time. Ultimately, I paid my toll bills but I will not give them the pleasure of acquiescing to them trying to collect through a collection agency. I was never, ever received any mail from a collection agency because I pay my bills, and my excellent credit score proves it. I simply dont want XXXX to damage it.
08/13/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	TX 770XX	Web
Today I checked my credit report and noticed I had an unpaid debt " derogatory remark '' against me on my XXXX report. It listed a City of XXXX ( original creditor ) unpaid parking ticket placed there by Professional Account Management ( debt collection agency ) on XX/XX/XXXX. I have never received correspondence regarding this ticket or debt from either party. I called Professional Account Management on XX/XX/XXXX at XXXX and they did not have my current address on file. They had a previous address in XXXX from 10 years ago. They claim mail was never returned as undeliverable so no attempt was made to verify my contact information. They told me my only option was to pay or contact the City of XXXX. I then called the City of XXXX parking on XX/XX/XXXX at XXXX and spoke with XXXX. The City of XXXX did have my correct address on file ( I did not provide the address for verification -- he provided it to me ). XXXX stated that the ticket was from XX/XX/XXXX for a blocked sidewalk citation and said my only option was to pay the debt. I never received the parking ticket on my car. I never received correspondence, either in writing or over the phone, from the City of XXXX or from Professional Account Management, even though the City of XXXX had my correct address. I have lived at the same address for the past 2.5 years, and my correct address is listed on my Texas driver 's license.I have no other derogatory remarks on my credit report and have paid all bills reported on time. I feel that this nuisance debt for a parking ticket was unfairly reported to credit bureaus -- if I had been contacted by either the City of XXXX or Professional Account Management and given the chance to pay the debt, I would have paid it to keep the charge from appearing on my credit report. It is n't fair that a negligible debt I was not made aware of can damage my credit score.
02/28/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	VA 22191	Web	Servicemember
XXXX XXXX XXXX, XXXX is using extremely harassing tactics to collect allegedly unpaid toll on behalf of XXXX XXXX XXXX. I opened a XXXX XXXX XXXX account shortly after those were instituted. I have a payment card on their file since that time. Last year, my bank account got hacked and I had to get it closed. For a few business days, the card on file was not working. I updated my payment information on the account soon after receiving the new debit card. Unfortunately, during this brief period, my card ran out of {$35.00} required balance. Their attempt to charge the card failed. Shortly after I received a delinquency letter from the above mention collection agency mentioning that I have unpaid tolls and I have to pay fine. They sent the case to a collection agency without asking for any explanation or attempt to collect from a customer who has a payment method on file. I contacted XXXX XXXX and informed them with my situation. I was told to contact the collection agency. The agency does not provide any website address, email address or fax number. So, I called them. They offered me a discount on fine. I asked what fine? I did not do anything wrong and by having a payment method on file I am showing that I do not want to avoid tolls. I offer them to charge my card on file for the amount equal to the charge for missed tolls. They refused and gave me an option to challenge. Challenge can only be done via mail. I mailed the challenge. Later on, I got the letter mentioning that they could not process my petition because they do not have the necessary documentation. So, I printed my record from XXXX XXXX XXXX website and mailed them. I was waiting for a decision. In the meantime, I got another letter asking for payment, as if there was no challenge in the process at all. I request you to please, stop this harassment, as soon as possible.
08/07/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	UT 84119	Web
In XXXX on XXXX, I purchased a vehicle from a dealership called XXXX XXXX in XXXX XXXX, California. I was given a fraudulent XXXX report on the vehicle which stated that it had been previously been in a minor accident, but no major damages had occurred and that everything on the vehicle was fixed. Shortly after during a routine maintenance check with my local mechanic, I was informed that there is in fact damage to the car and that it had never been repaired which I had to pay to fix due to safety concerns. A few months later, I started receiving tickets/parking violations in the mail which occurred in XXXX totaling well over {$300.00}. I have spoken with the county and stated that I did not own the vehicle at this time and attempted to speak to the dealership as well to get this issue resolved. From the beginning, with the fake car fax report and the tickets they refused to be of any assistance and were completely vulgar and disrespectful. I have been told that that is not their problem, that I should have known better, and worse yet to " XXXX XXXX ''. They have stopped accepted any form of communication and responding to any calls or emails when attempting to speak to a manager to get this issue resolved. I am currently receiving debt collection agency notices for the tickets that have been unpaid due to their actions and my credit history is at risk of being affected by this. I have mailed proof of when I purchased this vehicle and really need assistance on how to get this resolved, not just for the situation at hand that I am dealing with but so that it never happens again to someone else. There have been numerous other complaints filed against the dealership from other individuals in the past as well, I just unfortunately did not do as much research as I should have prior to purchasing my car from them.
10/25/2021	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 946XX	Web
The XXXX County Sheriffs Office ( California ) unfairly and incorrectly issued me four parking citations throughout the XXXX of 2021 ( citation numbers XXXX ; XXXX ; XXXX ; and XXXX ). All four of the citations claimed that I was parked in a bus zone and/or bus lane. I was never parked in a bus zone and provided photographic evidence by mail proving it. However, the Sheriff 's Office apparently (? ) assigned the matter to a XXXX debt collector XXXX based in XXXX, Wisconsin, named Professional Account Management LLC, which itself is/was posing as a government agency ( XXXX County ) . For instance, their return address in XXXX is printed as : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and yet it is a Wisconsin address. They are not a government agency, but are posing as if they are. I continue to receive threatening mail from this collector using language like `` enforcement '', `` debt collection '', `` debt owed '', `` balance owed '', and `` validity of debt ''. Most recently, the debt collector has threatened to : `` submit my account to the XXXX XXXX XXXX ( XXXX ) for interagency intercept collection. '' The debt is completely invalid. I have been extremely responsive in writing throughout the spring, summer, and fall of this year ( since the citations first appeared on my car ), and I am at my wit 's end. The debt collector is harassing me about an invalid debt, demanding hundreds of dollars from me, and all my attempts to have the citations reviewed and dismissed ( based on photographic evidence proving the debt is invalid ) have failed. I need help from the FTC or CFPB so that my state tax authority ( XXXX ) and my credit do not become implicated in this harassment coming from a debt collector, demanding payment on a completely invalid debt, with this collector posing as a government agency.
12/14/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	OH 430XX	Web	Older American
My son and I were driving to Florida. While I was sleeping, on XX/XX/XXXX, he approached a toll and understanding that we have XXXX, he went through the section that allows you to go through. Not thinking anymore about this, I received a letter from the XXXX XXXX XXXX XXXX XXXX that I owed {$25.00}. Concerned, I spoke with a lady that totally understood the situation and said I'm not alone it's happened to others and that XXXX does not accepXXXX XXXX customers. So rather than contacting me first to pay the {$.00}, they send it to a colleciton agency without notice. I would think that this is not legal to do, making no attempt what so ever to collect it. Keep in mind that there is no sign stating that XXXX is not acceptable and according to my Attorney said if this problem exists, it should be stated XXXX only and it doesn't. She told me to write a letter explaining what had happened and wait to hear about paying the toll due. I had no problem doing so. She said to address the letter to XXXX and mail to XXXX XXXX XXXX in XXXX, WI XXXX and I did so on the XX/XX/2018. In XX/XX/XXXX, I received a second collection letter that never acknowledged my letter sent in. I called again and spoke to XXXX on XX/XX/18 and again she gave me instructions on what to do to remove this fee and to include a letter of explanation in which I did for the second time that stated the same thing written inXX/XX/XXXXassuming this had been taking care of. Per her instructions, I should get a letter telling me what I owe to pay just the toll which happened to be {$.00}. Then I received a third letter with no acknowlegement of letters 1 & 2 that had previously been written.. This is harassment as far as I'm concerned. Getting real here, do they really think I would intentionally go through a {$.00} toll??? I don't think so
09/11/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NV 89101	Web	Older American
Date : XX/XX/XXXX To whom it may concern, I am writing to officially dispute the debts that have been attributed to me by Professional Account Management , LLC ( PAM ). Specifically, these are in relation to : Invoice dated XX/XX/XXXX, Invoice Number : XXXX, Amount : {$36.00} Invoice dated XX/XX/XXXX, Invoice Number : XXXX, Amount : {$40.00} Both these invoices pertain to a toll violation associated with the License Plate : XXXX registered in Texas. I wish to emphasize the following : I am not the debtor : I am a resident of XXXX XXXX, NV, and I do not drive. The debt, especially the toll violation, is not of my doing. It is inaccurate and unjust to hold me responsible for these charges. The vehicle in question : My daughter and ex-husband manage the vehicle associated with the above-mentioned license plate. It is beyond my comprehension as to why I am being approached for a debt that is clearly not mine. Persistent demands : Despite having clarified my position, Professional Account Management , LLC continues to insist that I pay the debt. Their persistent demands have caused undue stress and inconvenience. In light of the above, I kindly request the following : A thorough investigation into the matter to determine the true debtor. Immediate cessation of all communications directed to me regarding this debt. A written confirmation once the matter has been resolved, clearly indicating that I am no longer being held responsible for these debts. I expect a prompt resolution to this matter, and I would appreciate it if you could keep me informed of any updates or required actions from my side. Remove the collection report from my credit report Thank you for your attention to this matter. I trust that you will handle this with the seriousness and urgency it demands. Sincerely, XXXX XXXX
06/26/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 201XX	Web	Servicemember
Professional Account Management continues to try to collect a debt from two " unpaid parking tickets '' on behalf of the XXXX Government, which are invalid. These two parking tickets were paid in 2016, and the checks that I sent to the DC government at that time were cashed : one for {$40.00}, and one for {$50.00}. In one instance, DC sent me a notice that the amount they received was not received on time and wanted to collect even more money from me. I contacted them with the bank information showing that it was cashed within their time frame, and had that false claim removed. However, both tickets still appear as " unpaid '' according to Professional Account Management, with a notice I received in a letter on Friday. I have contacted them ( Professional Account Management ) in the past with the phone number provided in a different letter ( ( XXXX ) XXXX ) which reflected a different amount, and told them this is false information ; however, they argued about it on the phone, and have again sent another letter, this time the amounts are increased. Also, in this letter, it shows only one citation number, but then shows that additional money is due (? ). It reads as such : account # : Citation # : XXXX Amount Due : {$60.00} Amount Due all citations : {$130.00} They then threaten enforcement activity by impoundment of a vehicle if there are " two or more delinquent citations. '' That 's convenient - is that why they are trying to collect on multiple amounts with only one cited? Either the XXXX Government is committing fraud/extortion, or Professional Account Management is committing fraud/extortion. Either way, there needs to be some federal intervention of this phony debt, and the collection agency 's collection practices. I do not intend to pay either party any more money.
08/16/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30144	Web
I am a regular user of the GA XXXX XXXX XXXX lanes on the XXXX XXXX XXXX I have XXXXXXXX XXXX transponder # XXXX permanently affixed to my car 's dashboard ( Plate XXXX ) and use it regularly. On XX/XX/2021, A highway RFID sensor failed to read my XXXX XXXX transponder. A toll violation was created in error, and the debt alleged by PAM is provably invalid. Professional Account Management has bought the debt for this alleged violation from the Georgia State Road and XXXX XXXX. I sent PAM certified mail ( USPS XXXX XXXX XXXX with evidence that the transponder was installed and active during the days surrounding the alleged incident and the debt was invalid. PAM rejected the certified mail in an act of willful blindness. They have been unresponsive to attempts to communicate over the phone during regular business hours. PAM is in clear violation of the Fair Debt Collection Practices Act ( FDCPA ) Using deceptive methods to collect debts U.S.C. Title 15, 1692-1692p. It is also in clear violation of the Georgia Fair Business Practices Act O.C.G.A. 10-1-390 to 10-1-406, which prohibits firms from engaging in unfair or deceptive acts or practices in the collection of consumer debts. Attached to this complaint is a transaction report document showing that transponder XXXX XXXX was installed and active during the days surrounding the alleged violation. There is also a document showing that USPS certified mail # XXXX was rejected by PAM, in an act of willful blindness not compliant with consumer protection laws. The attached pictures prove that XXXX XXXX transponder # XXXX is permanently affixed to the car with GA plate XXXX. The attached transaction report shows that this transponder was active and used with the GA XXXX XXXX on dates surrounding the alleged violation.
07/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Indicated committed crime not paying	NY 10463	Web
Hello, I am writing because the agency Professional Account Management is attempting to collect the wrong amount and also indicated that I committed a crime by not paying debt. I received XXXX " Notice of assignment to collection agency '' for XXXX unpaid citations. The unpaid citations are ticket number XXXX and XXXX with the XXXX DMV, which I contested well within 30 days ( I filed within & lt ; 10 days ) via the online ticket adjudication system, with reference number XXXX. I am contesting the tickets because I believe that they ticketed and towed my car without cause because there was no signage that I violated any parking laws. I submitted photos and documentation at the time of my claim. I have never received any further communication, either from the DMV or from the ticket adjudication system. However, my citations were sent to collections, although the XXXX DMV website says explicitly ( XXXX ) that " If you want to contest a ticket, do not pay the fine and/or penalty. You can not contest a ticket once you have paid the fine and/or penalty. '' The notice I received however says that Professional Account Management is collecting on my " debt '' although I have not received any confirmation from the XXXX DMV about the final result of my adjudication. I contacted Professional Account Management to resolve this issue but they directed me to the XXXX DMV. I also contacted the XXXX DMV multiple times without result. Also, I monitor my credit score frequently ( more than 3 times/week basis ) and my credit score has dropped over XXXX points ; I believe that as a result of my collections being reported to the credit agencies unfairly that this resulted in both the change in my credit score and a denial for a credit card application.
06/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt resulted from identity theft	NY 10552	Web
I received a debt collection notice from PAM, LLC which is the second time I 've been harassed about a fictional debt from this company, and also is the second time I 've been notified of this particular fictional debt ; the first time by a company which ended up settling a class action lawsuit from which I received a settlement award for opting in. I can assure you that the car in question has never been driven XXXX border and would not have made it on a return trip if it was.I was day playing for a rental house company in XXXX the week in question, but was given the day off. At the same time, I was helping coordinate the XXXX portion of a documentary shoot that was to take place in XXXX and was in correspondence with the production coordinator on XXXX XXXX, XXXX among other days that month. I believe now as I believed the first time I received this notice that this was part of a ticketing scam in XXXX. I am not a XXXX resident, nor had I traveled to XXXX since XXXX as part of a XXXX and even then, I did not drive my personal vehicle. The first agency refused to accept the idea that this was a phony ticket, even though there are plenty of instances of this occurring and ended up losing a class action lawsuit. The current company has harassed me in the past and I had to report their tactics to an agency in order to back them off. Unfortunately, they seem to be using a tactic in which I can not prove without a doubt that I WAS N'T there, since I did not have any check-in points throughout the day, but my plans and activities before and after that date should imply that I was not there and had no plans or intentions of being there, not to mention there is no photographic evidence to support THEIR claim.
08/11/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 20910	Web	Servicemember
This is a complaint against XXXX XXXX XXXX XXXX XXXX, who collects debt on behalf of the state of DE. Facts and details supporting my claim follow below. -Debt originates from an alleged toll violation in DE on XX/XX/XXXX at XXXX. DE said that I did n't have an XXXX. I did. The toll amount was {$4.00}. -The first notice I have of the violation is dated XX/XX/XXXX. The amount on this notice was {$29.00}. -I had moved from XXXX to XXXX to be with my wife, who is on XXXX XXXX XXXX in XXXX. -The second notice I have is dated XX/XX/XXXX. The amount on this notice was {$66.00}. -Due to my move, I may have recieved both notices at once. I do n't recall. -I appealed. -The response to my appeal is dated XX/XX/XXXX. Confusing because of the dates, but amount owed is for {$29.00}. -Reason for denial was now different. It said I did not prove I had a positive balance at the time of my alleged violation. My account is linked to my credit card. -XXXX turns me over to a debt collector, XXXX XXXX XXXX XXXX. The first notice is dated XX/XX/XXXX. -I called to dispute the debt on XX/XX/XXXX, and was told I could not dispute the debt. After arguing that I could, the representative told me that I could waste my time sending in a letter, but that I could n't dispute via phone, which their notice to me said I could. The representative also said she could read me the response I would receive, and that it did n't matter what I said. -I mailed a letter on and dated XX/XX/XXXX. -I recieved a generic response, likely the one the representative referenced in my XX/XX/XXXX call, validating my debt. -XXXX XXXX XXXXXXXX, XXXX. Has violated the Fair Debt Collection Practices Act by not allowing me to dispute the validity of my debt.
01/23/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	GA 30296	Web
They did not use abusive language, I 'm a result of the fraudulent ticket that was also aired on the news. Although I did see the report of fraudulent tickets, I just did n't want to deal with collections so I attempted to pay. In my process, they refused to let me speak to a manager and refused to take my payment. Also told me what I should do in regards to my issue such as getting the car out of my name. I did n't ask about my personal issue nor did I tell XXXX about it so I do n't understand why he would tell me that. He was unprofessional. I discovered I had XX/XX/XXXX tickets around XX/XX/XXXX. I then notified the driver who said he was parked at the law enforcement wall where there is no meter. He also advised XXXX XXXX from XXXX XXXX was taking care of it. I called XXXX XXXX and was told I would be reported to collections in XX/XX/XXXX. The XX/XX/XXXX I received collection letters. I then called XXXX XXXX and spoke to XXXX XXXX on XX/XX/XXXX, he ask me why I did n't get the car out of my name and I can hear him laugh. I also request his supervisor many times and he told me. The second call to XXXX on XX/XX/XXXX took minutes to let me speak to XXXX XXXX. Please listen to the calls. On XX/XX/XXXX I attempted to pay and XXXX refused to take my payment because he said I gave him my name wrong.??? On XX/XX/XXXX I spoke to supervisor XXXX XXXX who refused to take my payment because she said I gave her my incomplete name.?? I have emails that I tried attaching-my emails begged for a Manager to contact me and as of today no Manager has contacted me regarding this encounter with fraudulent tickets nor unprofessional staff.
11/23/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	MD 20910	Web
XXXX XXXX XXXX XXXX is attempting to collect a debt it does not ( or should not ) own. I received two parking citations from the D.C. government in XX/XX/2017. Within the requisite time period, I filed a written request for adjudication with the D.C. Government and I received acknowledgment of my challenges to the citations. ( See attached emails from XXXX XXXX ). The D.C. government informed me that enforcement activity would be suspended and an examiner would review my challenges. I never received any further communication from the D.C. Government regarding my adjudication request, nor any notice that my tickets were referred for collection ( which is required by DC DMV policy ). On or about XX/XX/XXXX, I received initial collection letters from XXXX XXXX XXXX for the two citations ( see attached ). Those letters stated that I could dispute the validity of the debt within 30 days, and I did so in a letter dated XX/XX/XXXX ( see attached ). The letter further stated that upon receive of a dispute, XXXX XXXX XXXX would verify the debt and provide me a copy of the verification. I did not receive a response to my letter or any verification of the debt. Instead, I received a second collection letter that made no reference to my prior letter. As I explained in my XX/XX/XXXX letter, my tickets were never adjudicated by the D.C. government and therefore the debt is not valid. Collection efforts should be suspended until XXXX XXXX XXXX provides me verification of the debt ( which I believe does not exist because D.C. never resolved my challenges ).
10/18/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 17110	Web
I went on vacation as a single mom with XXXX little kids to the beach in the summer. I am a law abiding citizen and always pay tolls. While my children were yelling in the back of the car, the road split and I was in the far left lane and didnt realize there was a toll. I had a feeling that I had missed a toll but wasnt sure. The next day when I paid another toll, I explained to the attendant that I wanted to pay for my possibly missed toll the previous day. She said that was fine and I paid the retroactive toll of {$0.00} for my previous trip. I asked her if I would receive a ticket in the mail and she told me no and that she would update my missed toll in the system. I never received a ticket and three months went by. I figured it was resolved and updated when I made the retroactive payment with the attendant. Today I received a notice of collection in the mail for {$55.00}. I went back and verified that it was the exact place and toll I had missed, which it is. Not only did they never send me an original ticket which is unethical that they increased a {$0.00} sent toll to {$55.00}, but I had already paid it to the attendant. I did my due diligence when it happened and went to pay the toll I had missed right after it happened. I was guaranteed that it would be updated and now they are trying to turn a {$0.00} ticket into {$55.00}. Thats theft! Im frustrated and hurt by this. I live out of state and I just want this to be resolved. I have my receipt showing that I went back to pay the toll shortly after I missed it. This is so unethical.
02/03/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
Professional Account Management responded to my previous dispute regarding toll violations with their client XXXX who is responsible for managing the XXXX XXXX XXXX Accounts. After reviewing my XXXX XXXX XXXX account and speaking with a representative who took the time to review my account at this time no toll violations are associated with my account. Furthermore, the reported toll violations for insufficient funds when the toll charges were accessed were covered by the automated funds replenishment on my account. When the notice was first received, a dispute was submitted to the XXXX XXXXXXXX XXXX XXXX, but they never responded to address my concerns. It was also observed during the investigation that these fees were assessed on my vehicle which had an active XXXX XXXX account that was affixed to my windshield. During the reported toll violation, my peach pass was charged but do to my new car tag not being correctly updated in the XXXX XXXX XXXX I have assessed a toll violation. The dispute I submitted corrected the issue which they should have reversed the toll violations. I have attached a screenshot of my account which clearly lists no toll violations. Please cease all collection activities and have the " original owner of the debt '' send me validation of the original debt so that it can be forwarded to the XXXX XXXX XXXX account management for correction. Once received and if the debt is validated by the " original owner '' of the debt arrangement will be made with them to satisfy any outstanding balances.
12/13/2023	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 324XX	Web
I was recently sent a notice of debt by the XXXX XXXX XXXX XXXX XXXX XXXX ) regarding a Toll I did not pay in Georgia. When the picture was taken of my car I had an XXXX XXXX XXXX XXXX in my home state of XXXX I called the XXXX and discussed and provided them my XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The woman on the phone verified my account with XXXX XXXX and said they would get the money from XXXX, ( for tolls, not violation ) as I was in accordance with the law. I then recently received a collection notice from PAM ( Professional Account management ) I attempted to call the company in order to discuss and receive an email address so I could craft and write a response within the 30 days as requested. They stated they had no email and that I needed to send a letter in writing, I told them I could not track that and based on the need to prove that I had written to them I wanted an email confirmation. The person on the phone stated that I would need to pay the fees to them and then I could contact XXXX to get a refund. That doesn't seem very normal. I asked what are next steps then, I was told to pay the toll or I could suffer further consequences. 1. I don't actually owe the violation 2. Even if I did, Their is no way of paying ( I have sent screenshots of the letter and my attempt to see my debt on their website XXXX. XXXX XXXX XXXX XXXX XXXX claim they are in concert for drivers, but that does not seem to be the case. What should my next steps be?
03/13/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 77578	Web
My wife was contacted by XXXX XXXX XXXX XXXX ( XXXX ) concerning an unpaid toll violation in the state of Pennsylvania in my name. She was harassed by a series of questions over the telephone and eventually took their number so that I could return the phone call. Upon contacting the company, I was able obtain enough information that I could identify that the license plate and XXXX that were involved do not belong to me. Understanding that I need proof, I contacted the Pennsylvania XXXX Toll Violation department and learned that the correct individual who this charge is meant for shares my first and last names, but has the middle name " XXXX '', while my mine is " XXXX ''. Based on their close proximity on a keyboard, its clear that someone mistakenly typed " S '' instead of " A ''. I called XXXX back to give them the good news and let them know that a quick call of the Pennsylvania XXXX Toll Violation department will help them clear up this once and for all. However, I was told that I need to submit a written dispute and also that I must take several steps to clear this charge from my name. I even have to incur charges to mail a letter certified requesting a validation notice. XXXX has impinged my personal time, my wife 's time, and now is forcing me to spend money associated with charges that do not belong to me. I intend to seek damages from XXXX associated from this loss of time, money spent, harassment of my wife, and for a finder 's fee for finding the correct debtor.
03/08/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30306	Web
My wife and I received a " Notice of Assignment to a Collection Agency '' on XX/XX/XXXX from a company called Professional Account Management , LLC in relation to an alleged toll violation in the state of Georgia, with an issue date of XX/XX/XXXX. Per independent discussions with Professional Account Management , LLC ( PAM ) and the State Road and Tollway Authority ( SRTA ) -- there does appear to be a legitimate relationship between the agency and the collections company. A customer service representative from SRTA confirmed that the SRTA often retains Professional Account Management , LLC for their collections services. Unfortunately, we never received a prior notice from the SRTA with any details of the violation either via physical or electronic mail. Typically, we would expect to see a photograph or other proof of the violation. Additionally -- upon searching both the SRTA and the PAM websites with the alleged violation #, license plate #, or PAM notice # ; no information is available and no records can be located. I spoke to customer service representatives with both the SRTA and PAM over the phone ( after waiting on hold for a significant amount of time ) -- neither of which were able to identify or locate any violations based on the information received in the physical notice from PAM The fact that no record of violations can be found by either the agency or company has led us to believe this is a phishing request to collect a fraudulent debt.
02/15/2021	Yes	Debt collection Credit card debt	False statements or representation Attempted to collect wrong amount	PA 19454	Web	Older American
PAM ACCT # XXXX : Requested data previously sent from Professional Account Management , LLC ( PAM ). I was repeatedly receiving debt notices, no longer from NJ XXXX, to whom I paid what was due via an XXXX XXXX credit card. I called XXXX NJ, as I have a Pennsylvania XXXX. The charges were incurred in early XX/XX/2019. I was extremely ill in XX/XX/2019 during that time, and was only able to get my mail sporadically. I was advised that the date I paid XXXX was late XXXX of 2019. PAM claims my file has already been transferred to PAM. My first bill from PAM was for {$400.00}. I explained this debt had been paid, but PAM asked for documentation. This agency, which handles all of New Jersey 's delinquent accounts, has no fax number, no email address, and only one phone number. I forwarded the documentation, and I have requested the contents of the entire file. When I received correspondence back from PAM a month later, the amount due was changed from {$400.00} to {$200.00}. When I called to get an explanation, I was advised that the payment was late, and therefore, four late fees in the amount of {$50.00} each had been assessed. I asked why the NJ XXXX operator took my initial payment, and had not included notice of the late fees. PAM did not respond to this inquiry. I believe this agency is either illegitimate or preying on consumers, and I respectfully request assistance in resolving the situation.
07/28/2020	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	VA 23454	Web
I recieved a notice from VA DMV advising that my tag renewal was frozen. I had never recieved notices from this company that I owed any tolls. I attempted to contact this company once i recieved notice from the dmv. This company without proper notice turned my account in to a collection agency, I had moved and notified the dmv of my new address, according to these people instead of checking the recent dmv records, they opted to send these so called notices to an old address. Then they attempted to extort XXXX in fees. Their collection agency attempted to bully twist facts, and outright lie, by telling me that it was a law that i purchase and use an ezpass, and then they were verbally abusive, spoke over me, and try to pursuade me that i was breaking the law. They are attempting to extort, and steal from drivers during a pandemic when no one is working, wth no remorse, no compassion, their collection practices should be investigated as no other toll company in virginia is doing this. I have reported them to the consumer board of financial protection, and the Federal Trade commission, I am not negotiating with these dishonest freeloading theives. The employees of this company made several false statements, and attempted to engage in fear tactics. Not carrying or purchasing an ezpass is NOT A CRIME, and a toll violation is NOT CRIMINAL.
12/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA XXXXX	Web
Due to driving in a rental car and having a faulty transponder, a toll roads transponder payment was not initiated on XX/XX/XXXX. The first violation notice I received was a Collections Notice from XXXX XXXX XXXX, XXXX " XXXX '' in XXXX XXXX. ( Doing business at the time as XXXX XXXX XXXX XXXX XXXX - phone number is the same for both companies XXXX. ) On XX/XX/XXXX I spoke to a representative that instructed me to send in the supporting documents of my active account in good standing with the previously submitted information of XX/XX/XXXX. Nearly two ( 2 ) years later, I received a new collections notice from XXXX ( dated XX/XX/XXXX ) for the same incident. I responded with a letter and copies of previously submitted supporting documents on XX/XX/XXXX. XXXX responded with a letter dated XX/XX/XXXX for additional information. I responded with the additional information and copies of previously submitted correspondence on XX/XX/XXXX. XXXX responded yet again with a letter request ( dated XX/XX/XXXX ) for additional information erroneous to the situation at hand. On XX/XX/XXXX I spoke to helpful representatives that escalated the call to a Supervisor. Finally, no Supervisor came on the phone, but a message from Supervisor XXXX follows : " The rental car needs to be linked to the Toll Roads account. ''
11/11/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 95842	Web
I received a letter in the mail from professional account management LLC dated XX/XX/XXXX on behalf of the city of XXXX. It is a notice with the citation number for a vehicle I do not have any more the issue date is XX/XX/XXXX. I never received a citation up until this notice. The letter states the original citation fee was {$52.00}. The current amount due with a {$90.00} penalty is totaling {$140.00}. I reached out to this company professional account management disputing ever having received a notice as well as the penalties I was told that as of todays date XX/XX/XXXX that there was an additional {$20.00} added to the fee that I was just notified of XX/XX/XXXX. Although the notice says the amount due is XXXX when I called I was told the debt had now invited an additional {$20.00} in less then a month later from the first notice I ever received. for over a year old debt to only have accrued {$90.00} penalty XX/XX/XXXX and for me to be calling XX/XX/XXXX having an additional {$20.00} seems totally illegitimate. I dont mind paying the citation of {$52.00} but since I never got previous notice of his debt up until last month I do not agree with paying {$90.00} nor {$120.00} penalties for notice I never received. on top of the fees being inflated at 150 % of the original cost of the ticket.
04/17/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 12203	Web	Servicemember
On XX/XX/XXXX I mailed proof that I paid XXXX XXXX violations that I owed them. I mailed it to PAM ( Professional Account Management LLC ) at XXXX XXXX XXXX, XXXX NY. I then gave them a month to investigate and called PAM on XX/XX/. They said that they received my proof ( receipts that I paid XXXX, who refused to let PAM know that I paid them ), and PAM stated XXXX has a 30 day grace period : since they received the notice on XX/XX/XXXX they have until XX/XX/XXXX to respond. The PAM representative said to call back on XX/XX/XXXX and if it is not resolved to speak to a supervisor. I called on XX/XX/XXXX and was told that all supervisors are in a meeting. To this date I have been calling to speak to supervisors and I keep being told that one will call me back and no one has. I keep telling them that this is urgent because its preventing me from renewing my NY registrationXXXX I work for XXXX XXXX and have kids that I drop off and pick up from school. so it is imperative that this is resolved. It is not fair that I paid XXXX and theyre not responding. Once this is cleared I can renew my registration but no one is making an effort to rectify this : Since no one is contacting me from PAM Im reaching out to XXXX with the hopes that this can be resolved ASAP. This is for ticket # XXXX
02/11/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30349	Web
PROFESSIONAL ACCOUNT MANAGEMENT , LLC communicated with me via XXXX in regards to an alleged debt on XX/XX/2022. I wrote a letter demanding validation of this alleged debt as I have no record of consenting to be communicated by PROFESSIONAL ACCOUNT MANAGEMENT , LLC nor am I legally obligated to pay any and all alleged debt to them as I have no contract with PROFESSIONAL ACCOUNT MANAGEMENT , LLC. I also attached a cease and desist and bill of particulars with the beforementioned letter. All documents were sent off XX/XX/2022 certified mail with a green return receipt and received on XX/XX/2022 by registered agent and XX/XX/2022 by agent at principal address. The green receipt has not been returned back to me yet but I have a proof of delivery via certified tracking # XXXX XXXX XXXX XXXX XXXX. PROFESSIONAL ACCOUNT MANAGEMENT , LLC was given XXXX days upon receipt to provide proof for me to see that validates their alleged claim. PROFESSIONAL ACCOUNT MANAGEMENT , LLC. has failed to do so resulting in this matter being settled and must pay {$4000.00} in XXXX Funds by check payable to XXXX XXXX XXXX XXXX and sent to my place of abode on file for this alleged account for false claim and violations of the XXXX that include deceptive, false and misleading practices.
01/25/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA XXXXX	Web
I received a ticket in the mail stating that I used a toll road. The car image was one of my older cars that I had traded-in back in XXXX of XXXX. The picture clearly showed temporary tags. Also, at the time of the image I was at work. I sent a dispute to State Road & Tollway Authority... On XX/XX/XXXX We have received your inquiry and opened a case. Incoming Correspondence : VIOLATION DISPUTE We have begun the process of researching your inquiry. If you need to provide further information or reply, please do not change the subject line of this email since it is used for tracking purposes. You will receive an email response between 3 to 5 business days. Thank you for submitting your inquiry. Then I received confirmation that the case was solved. On XX/XX/XXXX Incoming Correspondence : Fw : Your XXXX is paid off! We want to inform you that the case related to your inquiry has been Resolved. Additional Information : * Thank you for submitting your inquiry. On XX/XX/XXXX I received a letter in the mail from XXXX ( Professional Account Management ) a collection agency. They told me that the account was still open and reporting. I told them that this was harassment and they told me I Need to file another dispute. I spoke with XXXX and a supervisor, XXXX.
11/10/2022	No	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76227	Web
Professional Account Management mailed me two 'DEMAND FOR PAYMENT '' letters on XX/XX/2022 and XX/XX/2022. I do not believe this debt is accurate. I have and have had for over 1 year now a current XXXX account which is current and when I brought this " DEMAND FOR PAYMENT '' letter that they sent me to the XXXX. XXXX customer service checked the information on the " DEMAND FOR PAYMENT '' letter and stated that I DO NOT OWE ANY MONIES ON THIS ACCOUNT NUMBER OR LICENSE PLATE.ALL FEES PAID VIA XXXX XXXX HAVE THE RECIEPT FROM XXXX TO PROVE IT. As I explained to PROFESSIONAL ACCOUNT MANAGEMENT in the certified letter # XXXX XXXX XXXX XXXX XXXX that I mailed to THEM on XX/XX/2022. Professional Account Management failed to respond with any of the requested supporting documents listed. An account number and unpaid charges of {$74.00} is NOT proof of validation of an alleged debt. Under the FAIR DEBT COLLECTION PRACTICES ACT, I have the right to request and receive validation of the debt and you never send it.Contacted Debt collector asked for proof of the alleged debt specifically the alleged original application bearing my signature they have not been able to provide such proof to me therefore you are attempting to collect a debt that I do NOT OWE!
04/21/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	CA 94114	Web
I've received a debt collection notice XX/XX/XXXX ( dated XX/XX/XXXX ). I've tried to reach out to the company several times ( XX/XX/XXXX-XX/XX/XXXX ) to inform them that I'm disputing these charges as there was likely an issue with the hardware ( it's toll related and I got a new car ). The company is Professional Account Management , LLC. My Account # XXXX. I've tried to contact them several times and there is only a phone prompt to walk through. As I walk through the prompt, they ask the account number, and then the zip code on the statement. I've inputted the zip code on the statement several times, but it tells me it's invalid. I've tried to figure out how to speak with a representative but it's been impossible. There is no option for me to contact an operator. I've tried to find people on XXXX. I've tried to reach the parent company. Professional Account Management , LLC claims they have a " contact us '' page, which they don't. I've been very disappointed with the lack of transparency to this process as it will impact my credit score. Additionally, I can't contact the toll company to resolve this as they direct me to this company. Notice is from : Professional Account Management , LLC ( XXXX ) XXXX Account # XXXX Violation : XXXX
05/04/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62221	Web	Servicemember
I have received several written " Demand for Payment '' from XXXX XXXX XXXX beginning XX/XX/XXXX. Re : Unpaid Toll Invoices from XXXX XXXX XXXX XXXX. The amounts are always different from $ 250- {$300.00}. I live in another state far from Texas and called to report that this was mailed to the wrong person. I was told the toll balance was a total of {$1100.00}. I was advised to contact the DOT to make sure this vehicle was not registered in my name. The form has a license plate number, the DOT would only tell me the make of the car. I placed a fraud alert with the credit agencies, although I did not notice any suspicious activity. After I received another notice for payment of {$300.00}, I sent a certified letter on XX/XX/XXXX to XXXX XXXX XXXX, to notify them, they are trying to collect from the wrong person, and requesting proof of why they believe I am the person responsible for this debt. I received another notice on XX/XX/XXXX, called to find out if my letter was received and it was, I was told this was under investigation. Today XX/XX/XXXX, I have received yet another notice for {$270.00}, without any explanation. I have a very common name, never drove in Texas, and want these people to stop sending me collection notices.
05/02/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20715	Web
XXXX XXXX I was out of town and friend of mine got a ticket in XXXX for improperly parking my car. He forgot to pay it so it went to debt collections. The company is Professional Account Management, LLC in XXXX . He said he eventually paid the {$72.00} debt but lost the receipt information. I paid the debt because he could not find the payment and neither could they. It was paid on XXXX @ XXXX for citation # XXXX according to the receipt I got in email from XXXX XXXX XXXX . A month later I got another letter stating I still had a debt that needed to be paid. I called them and XXXX of the XXXX agents said that I needed to send a letter and the copy of the receipt to them and they would work on figuring it out. I sent them a letter sometime in XXXX . I got a letter in the mail from them ONCE AGAIN basically saying thanks for notifying us but you still owe us money. I have reported them to the XXX but I 'm taking this all the way to the top. Either they have shady business practices or their XXXX Agents are stealing money from the company. I am not the only person with this issue. I looked at their XXXX page and it says they have " A+ '' rating but there was a complaint similar to mine.
08/18/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 94306	Web
Date of event : XX/XX/2017 ; Event Summary : Aggressive phone tactic to intimidate and frustrate me so that I will pay up rather than exercising my rights. Event Details : Collector sent me a note asking to pay an seemingly unpaid amount. I called back, gave the account #, and requested that I wanted to dispute it and that I did not want them to contact me any further. But collector 's agent insisted in getting all my information including my full name spelled and telephone number. Upon my polite refusal to provide this information, collector 's agent got agitated and repeatedly kept me on hold multiple times, taking my time away from work thereby impacting my job. I politely requested to give me the address to which I can send a letter. But the lady kept me on hold and would not provide this simple information, for 20 minuted. Her voice was antagonistic, and after 20 minutes, she gave me the address, which is the same as that in the paper. Rather than saying that the address to which I should I write is on the letter, she wasted my productive time at work for 20 minutes. This is an aggressive tactic by the collector, for a consumer to give up and pay. She was also angry on phone started blaming me for the issue.
01/07/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23435	Web
I contacted the XXXX XXXX XXXX Bridge tolls on XX/XX/XXXX to confirm the balance that I needed to pay in order to be able to have the DMV hold released. They advised me that all I needed to pay was {$250.00}. When I called back on XX/XX/XXXX to make the payment they confirmed the same amount of {$250.00} which is the amount that was paid. They advised me they do not issue any receipts and the only thing they could do was provide me with a verbal confirmation of payment. On both calls I was advised that I had other accounts with them however they did not have a DMV hold and the XXXX was all I needed to pay to release the hold. I contacted them again on XX/XX/XXXX to see why the hold had not been taken off they told me I need to pay an additional {$600.00} to have the hold release. I requested a supervisor ( XXXX ) who told me my balance was {$700.00} in order to release the hold. No statement has been provided for either of the amounts. The toll only cost {$1.00} each trip they told me I had a total of 7 trips so I do n't understand how my 7 trips can equate to XXXX XXXX dollars. I have left message for a manager by the name of XXXX XXXX who has yet to return any of my phone call.
03/12/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02143	Web
I was sent a debt collection notice on XX/XX/2019 because my XXXX didn't work while I was driving in XXXX 2019. Because I was moving around, I didn't hear back from Delaware DOT and it was sent to debt collection. I mailed them a letter ( drafted using the XXXX website ) on XX/XX/2019 asking for more information about the debt, but heard nothing back. I sent another letter in XX/XX/2019 and heard nothing back. I received a letter from them dated XXXX XXXX that said " 2nd Collection Notice ''. I called them back and asked them why they didn't reply to my two previous inquiries. They said they couldn't mail me back unless I lifted the case and desist letter. The customer service representative said they were going to mail the information I asked for, but then stopped when they received a Cease and Desist letter. I then asked how I got another letter, and they said they did not know. I asked to speak with a supervisor and the supervisor said they had no record of me asking for information about the debt. She gave me another PO Box number which was different from the letter PO Box number on the mail I received. She said she would file a dispute and an investigation.
02/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 18103	Web
Upon noticing that I had some unpaid tickets on my credit report I went had and contacted the collection agency to see how I can pay and get these reports removed from my credit report, I was told that I would need to pay {$190.00} to Professional Account MGM agency and they would take care of it, on XXXX/XXXX/16 my bank issued this agency the {$190.00} for ticket number XXXX - {$54.00}, ticket number XXXX - {$54.00} and ticket number XXXX - {$83.00} all together came up to {$190.00}. On XXXX/XXXX/16 this agency attempted to collect again {$54.00} for the same ticket number XXXX and {$10.00} for the same ticket number XXXX all together {$64.00}. When I contacted them to tell them I noticed they are trying to charge me twice for the same tickets they said if I can send them proof that I did sent the {$190.00} ( even though they knew well that they cashed the check ) they would rectify. I did send them proof from both my bank and I. Today, XXXX/XXXX/16 I received a response and now they are changing and claiming once again that I owe {$67.00} for the SAME TICKET NUMBER XXXX that I have already paid. Please help me as these people are trying to rip me off clearly!
12/20/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	WV 254XX	Web
This is a Third Party collector called XXXX ( Professional Management Management ) located at XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX, I received their threating letter on XX/XX/21 a collection notice for XXXX dollars stating that XXXX XXXX Police XXXX got a citation fine for parking more than 2 hours in the inlet. I called customer service to dispute the charges or/when and how this happened. I called today XX/XX/21 and spoke to customer service and stated that this was for XX/XX/21 which was accurate, but I stated that I paid my ticket there. So, I requested to be waive off as a first time, something that it was not possoble according to them, because it was overdue. I said to them that I never received the 2 dollar differencce bill in the mail requesting that hour to pay it off. XXXX claimed that they sent me previous notices in the mail to my address in West Virginia which is a lie. I never received anything in the mail previously. This is a complete scam and needs to be investigated inmediately. There are hundreds of complains already. I hope you can do something about this to protect custumers in this country. This company is ripping people off.
02/15/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	VA 22192	Web	Older American, Servicemember
The XXXX transponder attached to the car my wife and I use failed to debit our account after my wife and/or I were driving on the XXXX express lanes, near XXXX., on XXXX XXXX, 2016. These express lanes are operated by a company called " XXXX XXXX ''. The charge for me ( or my wife ) using the express lanes on that occasion was {$4.00}. The company XXXX XXXX says that it sent us collection notices in XXXX and XXXX 2016. My wife and I do not recall having received them. ( If we had, we would have paid the small charge immediately ). I received written notice from a collection agency, Professional Account Management, LLC, seeking payment of {$100.00} in connection with the XXXX XXXX charge. No information is provided as to why a collection of {$100.00} is sought for a charge of {$4.00}. XXXX did not call me or my wife to let us know if the {$4.00} charge. Again, if they had, we would have paid it immediately. In my view, it is grossly unfair that a collection agency seek payment of over 2,300 % of the amount of the original charge, especially when the collection agency 's client could have made a simple phone call that would have resolved the issue.
09/03/2021	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 33993	Web
Received a collection letter AGAIN for a toll from using the PA TURNPIKE - this is now several that we NEVER received any invoice or ANY information that their was any amount owed. AGAIN this HAS BEEN SEVERAL. NO INVOICE- STRAIGHT TO THIS COMPANY FOR COLLECTION-NO DATE, NO PROOF of VALIDITY - NO INFORMATION AT ALL- we receive several of these and no one seems to have any Information from the STATE of PA- This latest letter for collection is dated XX/XX/XXXX. NO one has been to PA since XXXX XXXX then just received this 11 months later. In addition, I registered this car in NC in XX/XX/XXXX and I was told i had " tolls from PA '' and in order for NC to register the car these had to be paid and although they still provided no proof I paid the amount and was proven to NC and was then able to register my car. THESE CHARGES ARE NOT VALID.!!!! I have contacted several employees at the PA TURNPIKE and NO ONE WAS WORKING DUE TO COVID- THIS HAS BEEN A HUGE ISSUE ACCORDING TO MULTIPLE SOURCES at the PA TURNPIKE . This collection agency also have a history " NOT VALID '' claims- XXXX XXXX complaints for this exact issue in just a couple years.
08/04/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	FL 33169	Web
Dear CFPB, I am asking you for assistance to intervene on my behalf concerning willful non-compliance within a " reasonable time '' by Professional Account XXXX refusing to remove, by law, a proven fraudulent credit profile account off my credit reports. This unauthorized account is a red flag that is damaging my credit record ; which is a violation of my rights pursuant to the Fair Credit Reporting Act. In circumstance, I provided my name, address, and social security number, demanding within ( XXXX business days, via certified mail Number : XXXX XXXX XXXX XXXX XXXX, on XXXX for the creditor to provide me a copy of the original application bearing my signature, giving authorization to pull my credit history so that I may forward it to the police authorities for investigation. The creditor has willfully not complied with my request. I have never received any benefit directly or indirectly from the fraudulent transaction ( s ). Any signature is a forgery and was made without my knowledge ; perhaps due to consumers having similar names and/ or social security numbers. I look forward to you helping me in this matter.
08/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94704	Web
I bought a used XXXX XXXX car XXXX ( plate was XXXX before XXXX sent new XXXX XXXX ). My husband XXXX XXXX and I have a XXXX account that is replenished automatically XXXX our XXXX card ( ending in XXXX ). We have no idea if was because of the plate or transponder not working but XXXX bridge crossings XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX did n't register. We spent a lengthy amount of time with XXXX resolving the issue ; them admitting error, apologizing and assuring us that it all was good and settled. 3 months later I started getting collections notices from PAM ( their dept agency ) and has been an unending nightmare ever since. I have done everything they said to DISPUTE the charges - that are now XXXX the toll, XXXX charges of $ XXXX each, total {$220.00}. PAM will not let me talk to XXXX, or access records of our conversations. XXXX PAM employee said I should just XXXX it up and pay the charges even though it not right or fair. Is that what you suggest? Do I have any recourse other than hiring a lawyer, which I sure will cost me more than {$220.00}. Please let me know, XXXX, XXXX XXXX XXXX
01/22/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA XXXXX	Web
On XX/XX/XXXX, I received a letter from Professional Account Management on behalf of the XXXX XXXX and XXXX XXXX to collect a delinquent debt of XXXX. The letter stated that I had a toll violation on XX/XX/XXXX. When I contacted Professional Account Management the first customer representative placed me on hold and hung up. I then called back and spoke to XXXX who informed me that I had XXXX debits with the XXXX XXXX and XXXX XXXX for not paying a toll balance. I explained to him the error with my transponder and informed him that the error had been cleared up with the XXXX. I also explained to him that a payment in the amount of {$18.00} was mailed to them on XX/XX/XXXX. I then requested to dispute the debt and requested validation of the debt. XXXX refused and stated that he did not have to send the debt back and demanded payment. I referenced the Consumer Protection Laws, but he still refused to assist me. I informed him that I was filing a complaint with the CFPB and at time he changes his tone. I am not sure if they will validate the debt and worried about a false debt being placed on my credit report.
02/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94589	Web
I have been dealing with a XXXX agency for over 3 years with lack of their support. Professional account management LLC ( P.A.M. ) XXXX XXXX XXXX WI XXXX phone XXXX XXXX XXXX. My XXXX tolls based in XXXX XXXX CA assigned this to Professional Account management for uncollected tolls. { professional Account Management has placed an lien for tax interception with the California Tax Franchise tax board. I have supplied documents via a stamped abstract of tolls cleared with XXXX to professional account management. They refuse to inform the California Franchise tax board. I have sent them certified mail, called them numerous times and holding for hours. It seems they intend to intercept my tax refund again as this was verified by the state of California even though there is no debt. They have been unresponsive and seems criminal to collect money fraudulently since they have been notified the debt is settled and they refuse to work with the franchise tax board to straighten this matter out. please advise what action I can proceed with to stop Professional account management defrauding me and others.
11/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 23321	Web	Servicemember
I called the collection agency XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, WI XXXX on XX/XX/17 regarding a road toll debt I informed XXXX that because of this debt a DMV hold was placed on my plates, I asked if I could get a settlement on the XXXX she offered me XXXX. I called today XX/XX/17 to pay the debt, when I called and spoke to XXXX I adv her of the settlement offer and wanted to pay it. She informed me that the settlement offer was invalid since I had the DMV hold I adv her I told the original woman about the hold. I then spoke to a supervisor XXXX and she told me the same thing. I said I will report this but I had to pay the full debt to get the hold taken off my DMV tags. Then I was transferred to the payment rep and when I got over there and I said I wanted to pay the debt she took the payment. I then asked for a receipt of the payment and I was told they do n't send out receipts I asked to be transferred back to a supervisor XXXX and she told me it is policy not send out receipts and the rep was supposed to inform me of this before they took the payment ( She did not ).
10/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20877	Web	Servicemember
Dear XXXX : I write in order to submit a complaint against Professional Account Management ( " PAM '' ) of XXXX. PAM falsely alleges that I owe {$180.00}. I have disputed the validity of the purported debts, in writing, on numerous occasions. PAM refuses to provide documentary evidence to support their accusations. PAM and/or its agents have called me at work, called and texted my mobile phone resulting in charges, phoned before XXXX and after XXXX, sent threatening letters, and presented materially false information to the CFPB and the XXXX. I have requested that they cease and desist communication on multiple occasions to no avail. For the foregoing reasons, PAM is in clear violation of the FDCPA. Furthermore, they are in violation of the FCRA, FDCPA, and the FTC Act by falsely alleging to public entities that I am delinquent on accounts and publicly disclosing my personal information without authorization or consent. I respectfully request that you intervene and put an end to these unlawful practices. Very truly yours, /s/ XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX, Maryland XXXX
12/11/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
In XXXX of XXXX I received a collection letter from this scam company stating I owed money for tolls to the XXXX. I do not have an XXXX account I have a XXXX account and all of my tolls are paid through my XXXX that has been on my car since it was registered. I asked them to validate the debt in XXXX, they couldn't and they stated they were closing my account. In XXXX I received another letter from them stating I owe {$160.00} with a " new '' account number on it. Once again I disputed the debt but this time they actually responded. Yesterday I received the attached " validation '' letter from them where they now claim I owe {$1000.00}. Somehow after I exercised my rights under FDCPA they added {$840.00} to the total they claim I owe. Either they have no idea what they are doing or they are purposefully trying to be deceitful and are violating both FDCPA and UDAAP. I have also attached my XXXX statements that show I had an account with them from XX/XX/XXXX and it was in good standing during the time frame they provided on this amateurish " Validation of Debt. ''
08/24/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA XXXXX	Web	Servicemember
I keep receiving letters from XXXX XXXX XXXX, XXXX regarding a bridge toll violation. The letter indicates the violation was made by a car with Arizona license plates with the number XXXX. THIS IS NOT MY CAR. I live in California and I have never driven a car that has AZ license plates and I do not know anyone who is from Arizona. This agency is threatening to collect a {$75.00} fee by going through the California State Franchise Tax Board. I have called this company thrice to explain that they are pursuing the wrong person for this violation. They have assured me that they will take care of it and I was told all three times to disregard the notice. Well, today I got a fourth notice! Today I attempted to call this collection agency a fourth time. This time the automated system asked me to enter my account number and my zip code and then the automated system says they have no record of this account number. When I attempted to use the automated system to reach a human being I got a rapid busy signal and then the line went dead. I tried three times before giving up.
03/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 231XX	Web	Older American, Servicemember
Professional Account Management, XXXX, WI, allegedly acting on behalf of the XXXX VA, is trying to collect an " unpaid parking ticket '' in the amount of {$30.00}. The supposed date of the violation was XXXX/XXXX/XXXX. I have called XXXX and P.A.M and explained that on the date cited, I was at the Virginia XXXX XXXX, working XXXX. I have not been in XXXX since XXXX. Further, the citation states that the vehicle was a XXXX. I do not own a XXXX and have never owned a XXXX. Finally the P.A.M. notice states that {$40.00} dollars has been paid and the outstanding amount due is {$30.00}. I never paid anyone {$40.00} and I am not paying anyone {$30.00}. I explained all this to XXXX and P.A.M. in great detail in XXXX and advised them to check their records and find out who paid the original {$40.00}. I assumed it had been resolved, but I got another notice today. If this is a scam, I want them shut down. If this is shoddy record keeping on the part of XXXX and/or P.A.M, I want it stopped. P.A.M. threatens to destroy my credit. If that happens, I want my credit restored.
03/02/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30044	Web
Professional Account Management LLC collecting on behalf of XXXX XXXX and XXXX XXXX ( XXXX ). -Sent 2 separate Notices of Assignment to Collection Agency in XX/XX/XXXX for 2 Toll Violations on XX/XX/XXXX and XX/XX/XXXX - 15 months after dates. -No previous notification from XXXX of ANY toll violation. -1 toll violation is not even valid or possible -- it is a southbound toll and I would have be en going Northbound if I was even in the vicinity. -Perforated bottom of Collection letter remit statement is incorrect and misleading- it shows an amount due of {$53.00} for 1 toll violation. The amount of {$53.00} is the total for 2 toll violations. I received two separate violation notices in separate envelopes on separate days. Each notice has 1 violation noted but the total amount due is for two = {$53.00}. They are expecting you to just pay it - so you would pay {$100.00} when the total for both violations is {$53.00}. Completely deceptive. -They do not provide a physical mailing address only a po box , so no certified letter can be sent to protect my rights.
01/28/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	SC 29229	Web
PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC violated my consumer rights and contacted me about a debt without my written consent which is a direct violation of the FDCPA 15 USC 1692c ( a ). The communication that was sent was abusive, profane and obscene to me the hearer and reader which is a direct violation of the FDCPA 15 USC 1692d ( 2 ). The communication that was sent did not have documentary material as defined by congress showing proof of this alleged debt. I sent PROFESSIONAL ACCOUNT MANAGEMENT MANAGEMENT, LLC a debt validation letter and a cease and desist by certified mail with a green return receipt on XXXX and it was received on XXXX. I disputed the validity of the alleged debt and I refused to pay pursuant to 15 USC 1692g. I demanded all unfair communication to cease and an audit trail pursuant to 12 USC 1831n and 12 USC 5562C ( 10 ) ( the original or any copy of any book, document, record, report, memorandum, paper, communication, tabulation, chart, logs, electronic files, or other data or data compilations stored in any medium ) be provided.
10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20715	Web
Around XXXX of this year I received a letter from a collection agency stating that I owed the XXXX {$600.00} for an unpaid citation. I have never received any letters from XXXX Government about this. I spoke to my niece and learned that the citation was for a parking violation. Her car is in both our names. She also told me that she was paying the citation off on a payment plan to the same collection agency. I had her call them. They told her that they were going to combine both cases together as it was for the same citation. They also told her that they would be sending me a statement and that she was to hold off paying until they sent the billing statement to me. I included all this information in the letter that I sent them and mentioned that they can not collect twice for the same citation. On XXXX I received a letter from them which ignored all the information in my letter to them. They stated that I owed them {$600.00}. My niece is still paying them for this citation. The agency has clearly failed to combine our accounts as they said they would.
06/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 217XX	Web
Please see attached. I received a notice from the collection company. When I first called they were not very unprofessional and the operator hung up on me. I called back again and requested to speak with a supervisor. I was told to hold and they would request a supervisor. I was then put through to a voice mail and still have not received a return call. I was told that I am not allowed to request proof and if I did n't pay they would report me to the credit agencies immediately even though I never received any notification from the City about the citation. I have since filed a Motion to Vacate the citation. I have attached all of the paperwork for evidence. The operator said they will report me to the credit agencies no matter what I did. I am reporting this is the CFPB before they illegally report this account and mess up my credit. If they can validate the claim I have no issue paying but I think since I have not received anything from the City or this collection agency I have a right, before they report my account, to validate it. Please help.
08/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DC 20011	Web
I received a notice from Professional Account Management, LLC ( PAM ) ( acct # XXXX ) stating that I owe {$250.00} and they are collecting that amount on behalf of the XXXX, DC Department of Motor Vehicles. In the letter the company states that the {$250.00} is for an unpaid speeding ticket from X/XX/2012 for a vehicle from Pennsylvania with license plate # XXXX. I was surprised to receive this notice because I have never owned a vehicle in Pennsylvania with that tag. Also, I do not recall ever being stopped by a cop for speeding. Further, the letter says that PAM has made several unsuccessful attempts to contact me, but I never received a call or a letter until the current notice. For the past 14 years I 've been a resident of DC with an active driver 's license and the same phone number, so it should have been easy to reach me. I now have tried to contact PAM several times via phone to dispute this debt and have been put on hold upwards of 15-20 minutes several times, but was never connected to an agent. I look forward to an explanation.
06/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19711	Web
Professional Account Manage ment LLC h as been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment. I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices. On XXXX XXXX 2017 I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment. On XXXX XXXX 2017 , I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices. On XXXX XXXX , I contacted the original creditor who sent the debt to the collector ( XXXX XXXX ). They stated that I would receive a return call, but I never have.
03/08/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	GA 30033	Web
Receive debt collection letters stating they are collection XXXX XXXX XXXX XXXX XXXX XXXX violations, when I log into my XXXX account it shows I have NO toll violations on record and did not have any in the past. ( clean account ) So there are official letters from " state road and toll '' I have tossed out in the past knowing they were scams and then now they are eleveting it to more official debt collection companies that claimed I didn't pay. I have written to the company and mailed back their paper bill and said I know it is a scam and that I do not owe any tolls, but the letters come from various companies. ( sold the debt to collectors ). I will scan and attach the latest one. I often wonder how many people think their teen drivers or spouse violated the toll violations and paid these people without thinking! I have decided to report this so others will stop and think and not fall for this. Numerous complaints online. People are being frauded thinking they have a debt owed which is false. See XXXX XXXX XXXX
06/08/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	DE 19711	Web
XXXX XXXX XXXX XXXX has been attempting to demand payment for a debt that I have already paid. I have contacted them on several occasions to provide proof that this debt was paid, however, they refuse to clear the account and continue to contact me and demand payment. I first contacted them on the phone after receiving a bill. I explained the situation, however, they continued to send notices. On XXXX XXXX 2017 I contacted them again via written letter. I included the account number, violation number, the check number it was paid with, and when it posted to my account. I never received a response. They continued to send me notices demanding payment. On XXXX XXXX 2017, I wrote another letter and enclosed copies of the checks that the client they are collecting for cashed. They are still sending notices. On XX/XX/XXXX, I contacted the original creditor who sent the debt to the collector ( XXXX XXXX ). They stated that I would receive a return call, but I never have.
07/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30180	Web
VIOLATOR ID:XXXX TRANSPONDER #: XXXX I REACHED OUT VIA PHONE TO A CUSTOMER SERVICE REPRESENTATIVE ABOUT A $XXXX NOTICE I RECEIVED FOR TOLL VIOLATIONS. I REQUESTED THE REPRESENTATIVE TO EXPLAIN WHY I HAD ALL THE VIOLATIONS. SHE COULD NOT OR DID NOT WANT TO EXPLAIN TO ME ABOUT THE VIOLATIONS I WAS TOLD TO REACH CUSTOMER SERVICE VIA EMAIL AT: XXXX I DID ON XX/XX/XXXX THE VIOLATIONS DATE BACK TOXX/XX/XXXX. I HAVE BANK STATEMENTS SHOWING REFILLS ON THE XX/XX/XXXX WITH REPRESENTATIVES AND THROUGH 3RD PARTIES LIKE XX/XX/XXXXOR XX/XX/XXXX. NO ONE RETURNED MY EMAIL SENT. I RESENT AN EMAIL TODAYXX/XX/XXXXXX/XX/XXXX I WILL CONTACT VIA PHONE TOMORROW XX/XX/XXXX I HAVE RECEIVED A NOTICE FROM THE COLLECTION SERVICE XXXX USES THIS AFTERNOON WITH 10 COLLECTIONS FOR THE CHARGES BEING MADE. NOT EVEN ONE XXXX COLLECTION BUT THE BALANCE DIVIDED IN TO 10. I NEED SOMEONE TO REACH OUT TO ME BECAUSE THIS SITUATION HAS ESCALATED TO A FRAUDULENT COLLECTION CLAIM BEING ISSUED OUT AGAINST ME.
12/03/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60014	Web	Servicemember
I have worked with the XXXX XXXX XXXX Call Center since lateXX/XX/2017 to resolve the technical error whereby the XXXX XXXX XXXX was not at first recognized by the XXXX XXXX. Bottomline, after submitting proof that I was covered by an XXXX Account well before the alleged violation on XX/XX/2017 XXXX provided proof that all debts were paid through the XXXX account and by a separate payment of {$27.00}. This final resolution was under Confirmation number XXXX. Despite this, someone representing the State of Illinois referred the matter to the debt collection firm : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX, WI XXXX XXXX alleges I owe over {$700.00}. Note that I have yet to have an actual State Employee pick up or return my call. Looking on-line, it appears that the Call Center Contractor and XXXX are quite active fleecing the taxpayers of multiple states while the taxing authorities turn a blind-eye to this revenue-enhancing illegal debt practices.
01/26/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MI 48442	Web
Parking ticket in City of XXXX on XX/XX/2016.The plate number XXXX is not in my name, I never own this plate number, for the last few years I do not have any car in my name, I did consign for this car or any other car, I conformed this with local office Secretary of State, to obtain an official report that will cost a lot of money and effort, I disputed this ticket with collection agent ( Professional Account Management ) few time. they asking me that either i pay the ticket which is not mine {$95.00}, or I provide them with an official report from the Secretary of State lasing Michigan which will cost a lot of money, so what mean I paid either way. It is their responsibility to prove that plate number in my name, not the other way around, I am willing to request an official request from the Secretary state of Michigan lasing office, but they should pay the cost of report if the this plate is not in my name or I am not a cosigner for this car.
03/09/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 303XX	Web
I received a {$25.00} parking ticket from XXXX the company that purchased the rights from XXXX XXXX. My bank sent the check for the {$25.00} parking ticket which was delivered on XXXX/XXXX/XXXX. XXXX refused to acknowledge receipt. XXXX assessed an additional late fee of {$25.00}. XXXX eventually acknowledge the receipt of the {$25.00} and waived the inappropriately applied late fee. They then sold the non-existent {$25.00} debt to Professional Account Management LLC ( PAM ) who attempted to collect the waived late fee. On XXXX/XXXX/XXXX I informed PAM that the debt was non-existent and that they needed to go back to XXXX as they sold them a non-existent debt. Nothing was heard from PAM until XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX PAM once again attempted to collect the non-existent debt. I informed them of the history. When the collector refused to look for the file I requested to speak to a supervisor. The collector then hung up the phone.
03/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TN 37167	Web
Began receiving letters demanding payment of {$29.00} around the end of XX/XX/2017for a " Toll Violation '' which is stated to have happen on XX/XX/2017 at XXXX XXXX on XXXX XXXX of XXXX Georgia from XXXX XXXX XXXX XXXX, XXXX, WI XXXX. I informed them that I 1 ) had not been in in the XXXX area on said date nor had I been there in at least 7 to 8 Years and 2 ) that said vehicle had Never been there 3 ) vehicle in is kept in garage ( in TN ) and not driven except to licensee it yearly. And 4 ) since the debt was not legitimate, I would not be paying it. The company totally ignored my correspondence and have continued to send " Demand For Payment '' letters about monthly. I have not contacted them further on this matter since they have not addressed any of the information I supplied to them. I have had an increase of unknown phone calls but since I do not answer calls I do not recognized I can not be certain they are responsible.
02/17/2021	Yes	Debt collection Other debt	False statements or representation Indicated you were committing crime by not paying debt	KS 66801	Web
I was contacted by PAM Professional Account Management on XX/XX/XXXX for amount of money owed to XXXX, the tolls they provided in the documents were invalid, my car tag number was accurate, I had the previous day paid my account in full through my monthly billing on my credit card, I sent a letter requesting validation of the debt and disputed it and requested more information on the debt. I received a letter stating the debt was correct and provided a different contact number for the agency. I have contacted the XXXX and reported this information to them and am making this report. XXXX Debt owed was XXXX Return address provided XXXX XXXXXXXX XXXX XXXX XXXX PA XXXX Violation # XXXX Account # XXXX Stated was not to contact XXXX regarding the debt. on XX/XX/XXXX Violation # XXXX Account # XXXX Amount due {$210.00} Letter received indicated they could be reached at XXXX Please let me know I can further dispute this debt.
03/26/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08648	Web
To whom it may concern, In XX/XX/2020, the NJ XXXX toll collection system sent two tolls to the collection company, Professional Account Management. I provided the proof that the infractions were paid that same month via the XXXX payment system. These tolls were in my wifes name. On XX/XX/2020, they sent another collection notice to me, in my name, for the exact same toll violations, same number, same date, etc. The fact that I proved they were paid, and then they tried to go after me, who is not even on the account, but lives at the same address, is complete fraud. Never mind the tolls were paid from day 1 and should never been sent to collections. These tolls have been resolved by the original debtor as well. XXXX shows my account in good order with no late payments. Attached is the collection letter addressed to my wife, proof of previous payment and the recent collection attempt in my name.
06/11/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CO 80127	Web
When asked for verification of debt, I was presented with a printout that did not include the name of the creditor or their contact info. The letter did not state that they are an authorized agent. The printout had codes and information that I could not readily understand. The best I can see at this point is that I was issued a parking ticket XXXX with a penalty of {$20.00} - XXXX years old. I threw away accounting records in accordance with the IRS suggested 7 years, so I can not verify using my own records. It must have been paid because the printout has the account go from & lt ; XXXX & gt ; to & lt ; XXXX & gt ; XXXX. On XXXX, it is changed & lt ; XXXX & gt ; to & lt ; XXXX & gt ;, but changed again XXXX to & lt ; XXXX & gt ;. In another area, it says the late fee is {$5.00}. And yet another has the late fees waived " based on effective payment. " The debt has not been shown to be valid.
02/28/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 95695	Web	Older American, Servicemember
I received at letter dated XX/XX/XXXX Notice of Assignment to a Collection Agency for {$75.00} for a violation of toll crossing XXXX XXXX on XX/XX/XXXX from XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, WI XXXX. It stated Ca XXXX XXXX XXXX crossed the bridge without paying at XXXX hours. We have never owned this vehicle or crossed the XXXX XXXX on this date. I called XXXX of XXXX XXXX XXXX at XXXX XXXX XXXX XXXX today at XXXX A.M.and she stated she would take care of the account # XXXX and delete the charges. I have also sent a followup letter to the company in question. As a retired XXXX XXXX employee I researched the company and found several fraudulent activities alleged against it. As a senior citizen and retired XXXX XXXX I would like to file a formal complaint against this company who are clearly trying to bilk California 's out of their hard earned money. Thank You, XXXX XXXX XXXX
03/30/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 279XX	Web
I received a notice from a company called Professional Account Management , LLC from XXXX WI, XXXX XXXX XXXX claiming they are trying to collect a payment of {$88.00} for an unpaid toll in the state of Delaware back on XX/XX/2018. First of all I never received a citation from the Delaware Dept. of Transportation. Second of all this collector claims it was my 2nd notice which is untrue. This is the first notice! I normally don't even drive through Delaware and they claimed I ran an EZpass lane which I would never do!! When I started to ask for more detailed information like where is a photo of the vehicle or more information about my vehicle, I was disconnected. There is only the notice to pay with my address and vehicle tag no. in the notice. No other information or photos. I would be stupid to pay this based on a statement with no citation nor evidence that I did not pay a toll!!
05/17/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02021	Web
In XXXX, I initiated an appeal concerning late fees and administrative fees imposed by XXXX. During this process, XXXX informed me that it could take up to 60 days to dispute these charges. In an effort to address the matter, I also reached out to the ombudsman via email. Unfortunately, without my knowledge, the appeal was forwarded to a collections agency PAM ( professional account management ) - XXXXT XXXX XXXX XXXX XXXX, New York XXXX in XX/XX/XXXX. To date, the collections agency has not provided any evidence of the debt, nor have they made any attempts to contact me regarding the matter. Despite my formal request for a letter of validation on XX/XX/XXXX, I have not received any correspondence from them, which has now exceeded a six-month period. The unresolved situation is severely impacting my ability to register my vehicle and is significantly disrupting my life.
05/22/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NC 27514	Web
Drove on XXXX in XXXX and did n't realize that it had been updated to XXXX XXXX , having travele d that road many times in the past as carpool lane. The bill was {$33.00}, first charged in XXXX . 4 months later, I am being charged {$120.00} from a collection agency, though they dropped that as first time to {$90.00}. XXXX XXXX XXXX XXXX s the agency, tel XXXX . To me, I wondering about the legalities of the overcharging. However, even if this is okay, they ask me to confirm my name, phone number, address. Then I pay, giving them my card number, expiration date, and security code. And they will not send an email confirmation or receipt! To me, this is unacceptable and probably illegal. I do not get a receipt? I think that this seems to be taking advantage of a well meaning person who has a credit score o f XXXX and never misses a payment.
04/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	SD 570XX	Web
I received written communication from XXXX XXXX XXXX XXXX about an outstanding New Jersey toll violation in earlyXX/XX/XXXX. I disputed the debt because I had an active and funded XXXX account at the time of the validation. I even have proof the account was active ( XXXX XXXX transaction history ) of the valid account less than 1 hour before the alleged violation. I have sent two letters of dispute requesting a validation of the debt via registered mail and received the return receipt but I keep getting collection notices. I assume there was a technical issue with the New Jersey XXXX XXXX system which prevented it from correctly reading my transponder during our trip last summer. The New Jersey toll authority did not request payment from my valid and funded XXXX XXXX account and did not notify me of the outstanding toll and sent the minimal amount to collections.
03/31/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Collected or attempted to collect exempt funds	CA 954XX	Web
I bought a car from a friend back in XXXX and before the title was transferred to me, there was a bridge toll incurred on the car. After they contacted my friend for payment, I helped them resolve it and called the toll office. I paid the amount that I owed, and now in XXXX they sent my friend a letter saying that it was never paid and it has been sent to a collection agency. They are threatening to take the so-called owed amount out of my friends tax return. When I spoke with the bridge toll office back in XXXX they told me it was fully resolved, so we shouldnt have to deal with this. The collection agency that sent the letter is called Professional Account Management , LLC and is based in XXXX, WI. The letter was addressed to my friend XXXX XXXX in XXXX, CA. I have tried the agencys phone but cant get a representative on the line to help me resolve this.
09/19/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
I HAVE BEEN RECEIVING DEBT COLLECTION LETTERS FROM PROFESSIONAL ACCOUNT MANAGEMENT ( XXXX ) FOR A DEBT THAT DOES NOT BELONG TO ME. TWICE I SENT THEM DISPUTE LETTERS. THE FIRST LETTER DATED XXXX, I DID NOT RECEIVE A RESPONSE FROM THEM, BUT I CONTINUED RECEIVING DEBT COLLECTION LETTERS. THE SECOND LETTER DATED XXXX WAS RECEIVED BY XXXX ON XXXX. THEY SENT ME A LETTER WITH THE RESULTS OF THEIR INVESTIGATION OF MY DISPUTE LETTER, SHOWING A DATE OF XXXX. XXXX IS TELLING ME THE RESULTS OF THE INVESTIGATION WAS COMPLETED AND THE FULL BALANCE REMAINS DUE. THE XXXX LETTER DID NOT GIVE ME THE " XXXX XXXX '' RIGHT TO DISPUTE THE DEBT WITHING 30 DAYS. XXXX THEN SENDS ME A DEBT COLLECTION LETTER DATED XXXX ATTEMPTING TO COLLECT THE SAME DEBT FROM ME, THIS TIME THEY GIVE ME MY " XXXX XXXX '' RIGHTS TO DISPUTE THE DEBT WITHING 30 DAYS. TEXAS LICENSE PLATE NUMBER XXXX.
10/25/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 195XX	Web
I have received a debt collection letter for a toll violation for a vehicle that I owned in XXXXXX/XX/2018. The violation is listed as occurring on XX/XX/2018 and the license plate number is XXXX and I do have that license plate registered to an existing vehicle and in XXXX it was licensed to another vehicle that I owned. The license plate and vehicle have a valid XXXX registered to that plate and vehicle combination. The vehicle indicated did travel through Maryland on XX/XX/2018 through the tunnel in XXXX MD via the XXXX lane. It is not my fault that the state 's equipment failed to detect my transponder, and the proper course of action would have been to confirm that the vehicle is registered for XXXX but Maryland and XXXX XXXX XXXX appear to be conspiring to operate a grotesque revenue enhancement scheme to the detriment of lawful XXXX holders.
06/23/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NC 27712	Web
Hi, My name is XXXX XXXX, I reside at XXXX XXXX XXXX XXXX XXXX, NC XXXX. OnXX/XX/XXXX I was in XXXX Virginia on an HWY, I entered intentionally a toll zone HWY, as soon as I noticed it I got out from the toll, a couple of months I received a bill of {$1.00}, I did n't give it much thought, I end up losing the invoice and forgetting to pay it. Soon after I received a bill from a collection agency ( Professional Account Management, LLC ) with the following info : Professional Account Management, LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX VA XXXX PAM Account # XXXX Notice # XXXX My car plate : XXXX Due Date : XX/XX/XXXXTotal due : {$100.00} I really found it excessive to a theft, to charge {$100.00} for a bill of {$1.00}. Can you please advise me how to fix this injustice. Thank you XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX
01/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MO 634XX	Web
XX/XX/XXXX Received a letter from XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, VA XXXX, XXXX Account # : XXXX, Notice # XXXX, IL Plate # XXXX, Violation XXXX, Amount Due {$28.00}. The letter indicated unpaid toll violation on the 495/95 Express Lane on the travel date of XX/XX/XXXX and the letter is from a debt collection agency. 1. ) This was an old license plate number which was discontinued usage in XX/XX/XXXX due to moving to Missouri yet the letter indicates travel date of XX/XX/XXXX. 2. ) I have never been on 495/95 and did not know it was out east until looking it up. 3. ) Although the return address on the top of the letter is XXXX, VA ( as noted above ) the Address Service Requested reads XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. 4. ) May pay by sending in the bottom statement, XXXX, or by phone at XXXX.
06/28/2017	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NM 87144	Web	Servicemember
I am disputing the validity of the debt in whole. I did not received the XXXX violations notice from the Delaware Department Of Transportation until months later by the debt collection agency. XXXX XXXX XXXX XXXX. The violations notice were mailed to the wrong address. At XXXX XXXX XXXX. XXXX, MD XXXX. The mailing address at XXXX XXXX XXXX, on my leasing contract is XXXX XXXX XXXX. XXXX, MD XXXX. The address for, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX, MD XXXX. XXXX XXXX XXXX XXXXXXXX ... XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, MD XXXX XXXX XXXX XXXX XXXX. I received a certify original driver license application which has a asterisk next to the address ... I have explain my situation to ( Del.DOT ) and the collection agencyXXXX XXXX XXXX ; to no avail. Which I believe are at fault for my financial dilemma/default in credit.
04/13/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 21230	Web
Repeated attempts to contact Professional Account Management LLC regarding this matter have failed. Including phone calls ( no answer ) and leters ( also no answer ). Received a notice about an unknown debt owed to XXXX Government for {$100.00} on XXXX XXXX, 2014. After verifying with the XXXX that it was valid, full payment made on XXXX/XXXX/14 ( i have written records ). Received another letter on XX/XX/2014 stating the debt was still outstanding while it was not. Attempted to call Professional Account Management with no response via phone call or letter. Professional Account Management proceeded to report this as an unpaid debt to XXXX and has not corrected that error. Multiple attempts to contact them and have this corrected have failed. Company is unreachable. Their address is listed as XXXX. Telephone XXXX.
09/29/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94503	Web
I have an account with XXXX XXXX since XXXX and my account # is XXXX. I have multiple cars in that account which included the car violation notice received. I 've received many Collection Notices from the XXXX XXXX XXXX, XXXX stated that I owed them {$1500.00} for toll violation with the car XXXX. This car was in my XXXX account since XXXX XXXX. Every single cross to bridge, the toll deducted from my XXXX account but their system still creating the violation notices. I spoke with XXXX Customer Services and they told me to contact the XXXX XXXX XXXX, XXXX. I wrote letter to them ( please see attached ) along with XXXX account and violation notices. I believed the violation notices was in error but they are not willing to clear my account. Because of those violation fees, my XXXX account have a negative balance.
06/12/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 62221	Web	Servicemember
I have filed a complaint and received a response on XX/XX/18 that the company was still working on my issue, and they have 60 days to respond. My claim account # is XXXX. I received this notice in the mail today. Still no response to my certified letter, asking for proof that this debt belongs to me. I have never lived or drove in XXXX, yet somehow toll fees are attached to my name in XXXX. Please note the notice is " the third attempt to collect ''. I am upset that companies can attach a person to a debt without any explanation, and continue to send notices. I feel this company is harassing me as a consumer. I want this company to stop sending me notices to me until they respond to my complaint. I will not be paying this debt, and will gladly continue to dispute this even if I have to get a lawyer involved.
05/29/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30034	Web	Servicemember
My ex husband was a XXXX. He drove to work and parked on XXXX and XXXX XXXX and everyday he received a parking ticket. He hid everything from me, and when I found out I made him promise that he would pay it. When we separated in our separation agreement we noted that it was not my responsibility to pay the debt and that it was his responsibility. The agreement was signed and notarized, making it a legal document. He has not paid a cent toward the balance and it is on my credit. Because he legally took responsibility of the debt that he accrued in my car that was registered to my name, I would like to remove these infractions from my credit report. I have attached a unsigned copy of our separation agreement. If the signed XXXX is needed please advise me and I will have my attorney forward it to you.
02/07/2023	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 76137	Web
On XX/XX/23 at XXXX pm I called Professional Account Management , LLC ( PAM ) regarding a collection notice I received in the mail. I requested validation of debt to the agent who was assisting me and she stated I needed to contact XXXX ( the company who sent me to collections ). On the collection letter I received from PAM, it states I can request that in writing. She never gave me that option. She just said I need to contact XXXX. The collection agency, Professional Account Management, is legally obligated to provide me with validation of debt since my alleged debt was referred to them for the collection amount of {$64.00}. XXXX 's records do not coincide with mine. I've uploaded pictures stating so. I have made payments. I just received another statement from XXXX today stating I owe {$160.00}.
06/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	FL 32504	Web	Older American, Servicemember
On XX/XX/XXXX I began my move from XXXX to XXXX with a valid XXXX. In XX/XX/XXXX I received a notice of a toll violation in XXXX from a collection agency XXXX XXXX XXXX ( XXXX ) requesting payment in the amount of {$66.00}. Prior to the notice from XXXX I received no notice from XXXX DOT that there equipment failed to read my valid XXXX. I contacted XXXX when I received the notice and explained that I had a valid XXXX. They informed me that I would need to prove that my XXXX was used during my move to XXXX. I sent them the requested documentation a week later. Today XX/XX/XXXX I received another notice that the timeframe to dispute the violation had expired. The actions of XXXX are unfair and their practice of threatening me with additional penalties and consequences are in my opinion illegal.
05/11/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95376	Web
This company is a contractor for the state of CA. They collect unpaid tolls. I have only had one toll violation in the amount of XXXX CENTS which I paid. They c all one to three times per day, never leave a message. The two times I have spoken to someone there they have told me my number does not exist in their database so therefore they can not remove my number First, its a robocall. Violation of the TCPA laws. Illegal. Second, I have received no letter except the orginal violation, which is entirely another subject, XXXX XXXX XXXX . I paid th at one fin e. They are in violation of the fair debt collection practices as well. There is no account number, the dates are every single day except Sundays for at least two months now. Their number they call from is XXXX
12/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MI 48307	Web
I received a letter for debt collection from XXXX XXXX XXXX XXXX in XX/XX/XXXX for a parking ticket on a car that I do not own and a ticket that is not mine. In the letter they threatened to boot/tow my car if I do not pay them. I sent a letter to XXXX XXXX XXXX via certified mail on XX/XX/XXXX and was verified they received on XX/XX/XXXX, requesting for VALIDATION of debt made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I also asked for the name and address for the bonding agent of XXXX XXXX XXXX XXXX. My request was ignored and XXXX XXXX XXXX XXXX continued their collection activity, sending me another letter, dated XX/XX/XXXX. Again requesting payment of ( unvalidated ) debt, threatening of action against my driver 's license, and booting/towing of my vehicle.
05/02/2018	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	VA 23462	Web
I am receiving debt collection phone calls for a debt owed by my ex husband that he incurred many years after we were divorced. The company calling me has explicitely stated that they are not trying to reach me, but my ex husband. I have explained that a ) they are calling my work number and creating problems for me at work in that I receive upwards of 5 calls per day from them, and b ) he is my ex of nine years and I am not responsible for his debt or for finding him for them. I have also asked them repeatedly to stop calling me and have explained that they are calling me on my work number and creating problems for me at work. As soon as I tell the caller all of the above, they promise to remove my name from their calling list, but I continue to receive calls regardless.
04/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX XXXXX	Web
This has been going on for several years now and the company refuses to stop collecting on the bogus XXXX fees even after stating they would stop. I received yet another collection letter from them yesterday and have sent them another validation of debt request to which they will not respond because it is not possible for them to validate a bogus debt. The letter they sent does not have the correct license plate number for my car listed. They know this, they have been told this for years. I do not have an account with the company they claim to represent. I use their competitor and have had an account in good standing with them since I have had the car. This company is fully aware they are illegally trying to collect a debt I do not owe but they do not care.
05/08/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MD 21224	Web
Earlier this week, I received a letter at my apartment in XXXX regarding a " Notice of Assignment to a Collection Agency '' of an amount owed to New Jersey XXXX-XXXX. 1. I have never received even a first notice of a bill owed so assigning to a collection agency is an exaggeration. 2. The collection agency is collecting for a toll of " {$1.00} '' an amount due of " {$51.00} '', inclusive of a {$50.00} " Admin Fee ''. In addition to the above, they add on an additional " {$4.00} Convenience Fee '' 3. I have in effect left my residence in Florida late XXXX ( 2020 ) in pursuit of an opportunity in the northeast and only moved into a new residence on XX/XX/2020. 4. All of my mail was forwarded and I've received and paid other bills and tolls as required.
05/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	GA 30115	Web
Received a toll violation bill from XXXX XXXX XXXX and Toll for a vehicle driving in the HOV lane. The vehicle had been sold more than a month previous to the violation. Photo of the vehicle showed " temporary tags ''. I presented including a bill of sale of the vehicle for more than a month prior to the toll violation. After several months and sending documentation approximately 8 times was told the violation was resolved and that notification would be sent to their collections company, Professional Accounts management to remove the debt. On XX/XX/XXXX, received notice that the debt would be removed in 3-5 days. It has still not been removed nearly 3 months later and neither company will respond to written requests to remove the violation and debt.
09/27/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	TX 76137	Web
The XXXXXXXX XXXX XXXXXXXX XXXX ( XXXX ) informed me that I had a XXXX balance of {$660.00} that I owed. Upon calling them, they mentioned that the zipcash balance can be adjusted to the tolltag rate somewhere in the neighborhood of approximatley {$320.00}. I received a collections bill in the mail from XXXX for {$320.00} and paid that amount. I then received a second collections in the mail for {$320.00}. I have already paid the adjust amount, and it seems that XXXX has split up their collections requests to intentionally confuse consumers. I was told that had I not paid the first collections bill, I could have called the XXXX and paid the adjust amount entirely off ( which is the same amount approximatley as the first collections bill ).
03/03/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	IL 60098	Web
My debt was a parking violation at XXXX University on XXXX/XXXX/07. I paid the fine in full the morning I received the ticket. A few years later they tried to say I did n't pay it. I disputed it and it was removed from my credit report. I just received a letter in the mail from a debt collector that states the fine is their hands. Is n't this illegal? Does this fall under re-aging? I called the debut collector and explained my situation. I told them this was over 9 years ago and my documents have now been destroyed, but the debt was paid. They want me to mail the collection statement back to them with a written reason why I 'm disputing this charge. It 's a {$30.00} debt and I could pay it ... But how many times should I have to? Thanks!
09/11/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33629	Web
I received a letter from " Professional Account Management '' demanding that I pay {$75.00} for a toll violation committed by someone else with a vehicle I do not own. The letter states that if I have the audacity to object to this demand, a judgment will be obtained. The purported basis for this debt is toll violations committed in Virginia on XX/XX/XXXX with a vehicle that purportedly was registered in my name. I sold the vehicle on XX/XX/XXXX and it was sold to another person and registered in Maryland on XX/XX/XXXX. Thus, there is no basis for the purported debt owed. I have tried calling the number provided on the demand letter from " PAM '' but I have never been able to reach an actual person to inform them that they are incorrect.
07/01/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 207XX	Web
During a review of my credit, PROFESS ACCT was listed and attempting to collect XXXX debts. I contacted the company, and the representative initially could not locate either debt. After several attempts, the debts were located but limited information was available. I contacted the XXXX using the limited information and was given further instructions. In any event, the first debt resulted in a case of mistaken identity ( Similar name, wrong person ). As for this debt, which is listed as a parking ticket, I have no record of receipt. Therefore, I am disputing this debt. I have contacted the XXXX and requested more information. However, I have not received anything to date. I have also sent PROFESS ACCT a letter disputing this debt.
07/19/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20832	Web
I have a motor vehicle ticket that is being collected by Professional Account Management LLC ( Telephone XXXX ) I was advised over the phone of their dispute process and was told that the resolution period for disputes is 60-90 days. When asked if the dispute process could be seen in writing, I was advised that I would have to send a letter asking for written verification of the process. However, that process would also take 60-90 days. The company has no written statement available to consumers to understand the dispute process and what type of supporting documents are required for generating a dispute. This leaves consumers at a disadvantage when trying to initiate such disputes and find a resolution within a timely manner.
07/22/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76135	Web	Servicemember
This company has been harassing me on and off for years now. I thought last year after the Texas Attorney General got involved they were going to stop but last week I received another bogus collection letter from them. This time they claim I owe {$16.00} for an unpaid XXXX account. They are very aware that I do not have an XXXX account. They have been told this by me and the Texas Attorney Generals office yet the continue to harass me. The have a different account number this time which is a pretty clear indication they are violating UDAAP as well as other federal laws. I have attached their most recent bogus letter as well as my response to them from XX/XX/2019 and the Texas Attorney General complaint information.
12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MD 20877	Web	Servicemember
Dear Sir or Madam : Professional Account Management ( PAM ) has violated the terms of the FDCPA by continuing to collect disputed debts after requests for evidence were received. Furthermore, please see paragraph S on page 7 on the attached contract between the XXXX Department of Transportation and PAM. PAM expressly violated the terms of paragraph S when it failed to protect the confidentiality of all records and accounts issued by the Department when it forwarded sensitive, confidential information to the CFPB, the State of XXXX, the State of XXXX, the XXXX, and others. Pursuant to their contract, these unauthorized disclosures were strictly forbidden and placed petitioner at increased risk of identify theft.
06/12/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 080XX	Web	Servicemember
This is a follow up on complaint XXXX filed XXXX XXXX , XXXX . The previous company has now changed their name fro m Law Enforcement Systems , LLC ( F rating by BBB ) to Professional Account Management, LLC at the same address. After I filed the initial complaint I did not hear anything from either the CFPB or Law Enforcement systems until Friday XXXX XXXX , XXXX . Professional Account Management continues to try and collect an illegitimate debt even though I have provided them with documentation proving I am correct. They refuse to go back to the original creditor and make them prove that the debt is legitimate. Please see complaint XXXX for the original documentation provided.
04/05/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	XXXXX	Web
Dear customer service, I found recently I have colection in my credit report. I visited the doctor in Maryland and I made XXXX. I asked the secretary how to get the results, she told me to come next week and I did not request to visit the doctor. When I arrived she told me that I have to get them from the doctor and considers that as a doctor visit. She then obliged me to pay XXXX visit copay of {$30.00} each with a total of {$60.00}. I called I requested to pay my doctor visit of {$30.00} and she refused and told me that she will send to collection the {$60.00}. She wanted and obliged me to visit a doctor to get the XXXX ; this is not fair. I used to get the XXXX without a doctor visit.
01/14/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NV 89002	Web	Servicemember
XX/XX/XXXX Received a " Notice of Assignment to a Collection Agency '' from Professional Account Management , LLC. for a toll that I paid in full on XX/XX/XXXX ( XXXX Confirmation # XXXX ). I also have e-mail receipts of contacting XXXX customer service and a credit card receipt of payment, which I tried to attach, but it wouldn't attach. I tried to contact company during business hours, gave company my phone number instead of waiting on hold, they did not attempt to contact me. There is no way to contact the company via the website, no email address listed on the bill or website. I refuse to pay for confirmation receipt via the post office for a debt I don't owe in the first place.
04/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 76244	Web
This company ( Professional Account Management Collections ) continues to email me saying I owe them for a debt to XXXX Texas Toll Authority. This is impossible because I have a toll tag with the authority that auto drafts from my bank account once I run out of funds. I have repeatedly tried to contact them by email and phone. Their emails bounce back to me as an invalid email address. Their phone line always says they are experiencing high call volumes and no on ever answers. Then when I put the invoice information in their online form in the emails they send me it says " invalid invoice number. '' I want the harassment to stop because I DO NOT OWE THESE PEOPLE ANYTHING!
09/04/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	NJ 076XX	Web
I have a New Jersey XXXX account. NJ XXXX incorrectly sent a bill to a collections agency " XX/XX/XXXX '' headquartered in Wisconsin. I called XXXX on XX/XX/18 to resolve all issues. XXXX took care of what they could on their end but told me I had to call XXXX and resolve the amount that had incorrectly gone out to collections. I called XX/XX/XXXX, and spoke to two employees there. Both told me that even though the original charges were erroneous there was no way for me to dispute the charges on the phone or online. They offered no way to resolve the issue or send it back to their client. The hoops XX/XX/XXXX and XX/XX/XXXX are utilizing are predatory and inefficient.
08/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20748	Web
On XX/XX/2017 my vehicle was stolen. On XXXX XXXX, 2017 I received a notice from XXXX XXXX XXXX XXXX stating that I have a collection notice for unpaid photo enforcement citation. This notice stated I had a photo situation taken on XX/XX/2017 after my vehicle was stolen. I NEVER received any correspondence stating I had a photo enforcement situation. The only correspondence I received was from XXXX XXXX XXXX XXXX. I called the photo enforcement for District of Columbia and they told me it was nothing I could do since the ticket was so old. I tried reaching out to XXXX XXXX XXXX and they stated there was nothing they could do I needed to contact the District of Columbia.
06/11/2021	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	PA 153XX	Web
Received an email from a company called " Professional Account Management , LLC a XXXX XXXX XXXX '' claiming that I owe {$240.00} to the Pennsylvania Turnpike Commission. I did not respond to the email and immediately called the Turnpike Commission and verified that our account does not not now, nor has it ever, owed a past due balance of any kind and that the information, logos, and verbiage in this email were inaccurate and not a representation of any official from the turnpike commission. Was informed that the only communication the turnpike commission sends out for balances is via USPS, not email. Forwarded this email to " XXXX '' as well as reporting it here.
08/13/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08807	Web
Disputed the debt by Fax as the Professional Account Management LLC " PAM '' mentions on their debt collection statement as one fo the method 's to dispute the debt. When I spoke with the representative at PAM, i was informed that they have not received my dispute and the debt is still valid. They said that their fax number does not work that I sent the fax to dispute the debt. This is a classic practice of stonewalling communication from a consumer and providing a mechanism of debt collection resolution ( in this case FAX ) and then saying their fax number does not work. This is practice is a violation of federal law on keeping debts open post a consumer dispute.
03/05/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Taking/threatening an illegal action Seized/Attempted to seize property	GA 30188	Web
I received a letter from professional account management about a unpaid parking fine from 2011. The letter also threatened to boot my vehicle and tow and impound my vehicle. The fine was from a late fee for a paid parking ticket. This fine was paid at the time of paying my ticket. We no longer have that bank account ; therefore, we can not verify it officially. The fact that they 're just now, over 5 years later, threatening me about this truly makes me think that it 's a type of scam. Since most individuals would n't keep such documentation as a paid fine past a few years, it looks as if this company is hoping to garner whatever they can from whoever they can.
10/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22101	Web
The XXXX Government issued me a red light camera ticket XX/XX/2015. I disputed the {$150.00} ticket via a written letter in 30 days as required, and received a confirmation postcard that said I would be notified of their decision in six months or less. I never received a notice of their decision one way or another. A year later, I received a debt collection notice for {$360.00} from Professional Account Management, L.L.C. I believe the XXXX government acted in bad faith and did not notify me of their decision, so I should not have to pay the {$360.00} debt. It is clear that the XXXX government is only concerned about raising revenue and not due process. Thank you.
07/17/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 761XX	Web	Servicemember
I received a letter forwarded from a very old address for me stating I owed them money for a XXXX toll bill. I pay my tolls through a TX tag that is linked to the XXXX system and I do not owe the XXXX any money. On XX/XX/2019 I faxed a request for them to validate the debt and a cease and desist letter ( attached ). They never responded with a validation. This morning, XX/XX/2019, they have called me over 30 times as of XXXX XXXX claiming they are collecting on the debt. A few times there has been more than one person on the phone and they pretend like they can not hear me. This tactic is clearly meant to harass me and is in clear violation of federal law.
04/24/2017	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	GA 31907	Web
XXXX XXXX XXXX is attempting to collect on debt that I never established a contract with them on. Without a contract there is nothing legally binding me to pay this company any money.At this time I will also inform you that if your offices have reported invalidated information to any of the XXXX major credit bureaus ( XXXX , XXXX or XXXX ) t his action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports. XXXX XXXX XXXX are in violation of the following : Fair Credit Reporting Act Fair Debt Collection Practices Act Defamation of Character.
04/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 10901	Web
I received a notice from Professional Account Management , LLC, XXXX. XXXX XXXX, XXXX, XXXX XXXX. The notice pertains to a NJ XXXX XXXX toll that on a vehicle that had XXXX XXXX. NJ was promptly notified in the manner specified on its communication. Therefore, the toll was paid. In response to the notice from Professional Account Management I called the number on the notice to dispute the claim. It appears that this is a non-working number. I have been on hold for over an hour. There is no other way to dispute the alleged debt ( {$54.00} ). A collection company is not be permitted to use an unattended phone number to receive dispute.
01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	PA 156XX	Web
I accidentally drove through the XXXX on the PA turnpike. They billed me for the full length of the turnpike. I called Nd told them I still had the ticket. The woman instructed me to mail in the ticket with a money order for XXXX . I did this XX/XX/XXXX. I know this because I have a photograph of all of the paperwork before I sealed it and dropped it in the mailbox. XXXX, I recieved a notice from a collection agency for XXXX . For failure to pay the pa tp. I called XXXX to see if the money order had been cashed, it had not. I honestly do n't know what to do at this point. I 've spent years trying to fix my credit. I feel powerless.
09/17/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 076XX	Web
I have been receiving daily calls from professional account management llc for months. It is a robo call with no options but to call another number. XXXX is the number that keeps calling. I don't have any debt in collections or anyone in my household or with my number. There seems to be no way to stop them from calling or talk to a human. The call seems like it is fraud. Since there is no way to contact or even go to website to report very difficult company to work with. They are also requiring account number when you do this or other info. I don't have any info that is valid as they are calling for someone else account.
12/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	GA 30030	Web
I had a debt of {$28.00} with XXXX XXXX. XXXX XXXX offered to reduce this to {$8.00}. However, XXXX XXXX said the debt was in collection. When I called the collection agency -- Professional Account Management -- the agency refused to lower the amount to {$8.00}, as XXXX XXXX had. I tried many attempts and the representative, XXXX, refused. He refused to let me speak to a supervisor. He even offered to pay it himself. When I took him up on this offer, he declined. The call was being recorded so you may check for yourselves. This was unfair and predatory. I should have only had to pay {$8.00}. I want my money refunded.
04/28/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 94306	Web
over due parking ticket for the city of XXXX XXXX was paid in full to the city of XXXX XXXX in XXXX 2017 ( check mailed XXXX XXXX , cashed by city XXXX XXXX ). Despite this ticket being fully paid 3 months earlier, " XXXX XXXX XXXX XXXX XXXX '' intercepted funds from my CA state tax refund - notice issues XXXX XXXX 2017 . This should not have happened. Upon contacting XXXX XXXX XXXX XXXX XXXX , I was informed that they will evaluate a refund upon receipt of proof of payment and debt notice, and that this will take bet ween 90-120 days / another 3-4 month s.
03/22/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 170XX	Web
On XX/XX/2020 Professional Account Management ( P.A.M. ) sent an invoice via email. The invoice was from the PA Turnpike totaling {$570.00}. I paid the invoice via P.A.M.s website. I was not supplied with a receipt after payment. PA Turnpike is stating they did not receive the money from P.A.M. PA Turnpike and PAM no longer do business together. I called PAM and they are stating they dont have my account. I have the email that was sent and the transaction from my bank statement showing that the balance was paid. I believe both companies to be unethical and are trying to get me to pay for a debt I no longer owe.
11/04/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07003	Web	Servicemember
I received a notice dated XX/XX/2019 from Professional Account Management , LLC. Original debtor is XXXX XXXX XXXX. The XXXX XXXX system is very flawed. I could have sworn that this amount was taken care of, after I disputed via the forms of the amount they were attempting to collect originally. The violation fees were waived and they deducted the remaining amount of the actual toll from my XXXX XXXX balance. I am disputing this entire amount sent from the collection agency in the amount of {$200.00}. They are threatening to suspend my license plates as a result, if I fail to respond to them.
01/26/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	PA 190XX	Web
Professional Account Management LLC ( PAM ) has called numerous times using abusive language for an alleged debt that I have no recollection of. They have also sent said bills of this alleged debt and when being asked in writing to provide proof of such debt, they failed to respond. Attached is a letter dated XX/XX/XXXX in the amount of {$290.00}. As stated before PAM has been asked to cease all communication on XX/XX/XXXX iin concerns with this alleged debt and they failed to respond or follow request. This endeavor has caused me such anxiety and grief in which medical attention has been sought.
12/30/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX XXXXX	Web	Servicemember
Yet another collection attempt from this scam company. I disputed their most recent attempt and they never provided a response because they knew it was bogus so they follow their old tactic of changing the amount and account number and send a new letter. Once again, I do not have a XXXX account, I use the other service offered in Texas and the license plate numbers listed is not mine. Last time I even provided them a copy of my current registration with my license plate number listed. The are committing fraud or at a minimum changing the amount and account numbers are XXXX violations.
12/13/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	KY 42103	Web	Older American, Servicemember
In XXXXl 2017, we were driving from Florida back to Kentucky through Georgia. We drove on a toll road without being advised that it was a toll road. After filing entrapment complaints, we decided to go ahead and pay the fee. We have received three threatening letters from Professional XXXX XXXX, XXXX in XXXX threatening us by damaging our good name and credit rating. I have repeatedly called and the answer I get is that the threatening letters are computer generated. I am tired of receiving threatening letters from this company and demand a written apology and a promise to stop this practice.
03/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 20817	Web
The company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX Received a Demand for Payment letter from the above company on XX/XX/XXXX for a NJ toll violation dated XX/XX/XXXX for {$29.00} on our current motor vehicle tag. Called XXXX XXXX who confirmed that there was no outstanding violation and that the collection agency was not one which they use. Called the collection agency to query. They tried to ask for all our personal details and when we pushed back with the information provided by XXXX XXXX and indicated that they were committing fraud, they cut the call.
05/29/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07305	Web
I constantly receive Collection Notice ( s ) from XXXX XXXX XXXX , XXXX a company that is attempting to collect a debt owed for parking tickets owed to the XXXX XXXX Municipal Court in XXXX XXXX, New Jersey i never owned a motor vehicle nor do i have a New Jersey Drivers License or any Drivers License in any other state! I written the XXXX XXXX Municipal Court about this error and i didn't receive any responses by mail or in written from XX/XX/2018. I also written and made phone calls to the XXXX XXXX XXXX , XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WI XXXX
04/18/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30144	Web
Professional Account Management , LLC of XXXXXXXX XXXX sent me a notice of collection for an unpaid toll violation which occurred in error due to the failure of XXXX XXXX XXXX sensor to detect my car 's toll pass. I sent certified mail within 30 days to the listed address ( with evidence of toll pass activity ) disputing the debt as is my right. Professional Account Management refused to accept the letter and returned it to sender, demonstrating willful blindness and failure to comply with state and federal consumer financial protection laws.
04/02/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07701	Web
ON XX/XX/18 I RECEIVED A TOLL VIOLATION, UNAWARE AS I RECEIVED NO NOTICE FROM NJ XXXX XXXX IT ENDED UP GOING TO A COLLECTION AGENCY. I CONTACTED XXXX XXXX AND PAID THE TOLL DIRECTLY TO THEM. XXXX XXXX XXXX IS STILL ATTEMPTING TO COLLECT THE DEBT. I CAN NOT PROVIDE PROOF BECAUSE MULTIPLE VIOLATIONS WERE PAID ON THE CARD SO MY CARD STATEMENT WILL BE USLESS. I GAVE THE COLLECTION AGENCY THE TRANSACTION NUMBER AND THEY ARE STILL TRYING TO COLLECT THE DEBT. I TOLD THEM TO CONTACT THEIR CLIENT ( NJ XXXX XXXX ) AND THEY HAVE NOT.
11/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	VA 223XX	Web	Servicemember
Today I spoke with Professional Account Management , LLC to verify the debt that they are trying to collect. The debt collector is refusing to verify the debt which is related to identify theft. The debt collector is also refusing to take my dispute regarding the debt in question. And has harass me and threats to damage my life with phone call, emails, and letter and will not verify that debt. The collection agency is only seeking payment of the debt with no verification of the individual and purpose of the debt.
01/04/2024	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	NC 27406	Web	Servicemember
I received a statement in the mail from Professional Account Management , LLC ( XXXX ), stating that I owed a debt that I am not aware of. Furthermore, I never conducted any type of business with this entity so I am not sure how you obtained my personally identifiable information. I do not consent to this alleged debt, and I will not be paying it. This is your notice to cease and desist all communications in relation to this alleged debt unless the debt is both validated and verified within 15 calendar days.
02/19/2023	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	GA XXXXX	Web
PAM ( Professional Account Management , LLC ) XXXX XXXX XXXX XXXX, NY XXXX XXXX ( XXXX ) XXXX Claiming that I owe an unpaid toll violation in the amount of {$51.00}. I know that it is a scam because the license plate number does not match any vehicles that I own. Letter is very official looking with the following header... Date : XX/XX/2023 Re : Unpaid Toll Violation ( s ) Creditor : State Road and Tollway Authority PAM Account # : XXXX PAM Notice # : XXXX Toll Violation # : XXXX Amount Due : {$51.00}
10/31/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30341	Web
Loaner vehicle customer got a parking ticket in City of XXXX. Under Georgia law, specifically Georgia code O.C.G.A 32-10-64, ( c ) ( 3 ), this parking fine is owed by the driver of the Loaner vehicle, NOT the owner. We have advised the City of XXXX 's agent ( XXXX ) and this collection agency ( Professional Account Management, LLC ) of this law on three separate occasions. However, they continue to pursue this debt against us instead of the customer that actually is responsible for this fine per GA law.
05/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	OH 446XX	Web
I get a call from this number 3-4 times a week during the day. Automated message, no options to speak to an operator and get me off the list. They give a website and number to call but I'm not comfortable doing that. They say they are a debt collector. I have no debt to collect. I've never had anything in debt collection. I've never gotten written notification from anyone regarding debt collection. My number is registered in the national Do Not Call registry. This is purely spam and needs to stop.
08/22/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	SC 29418	Web	Older American
I received a ticket and now a notice from a collection agency for a toll violation in the state of Delaware which I do not believe is mine. I was not the driver of the vehicle at that time and therefore I do not believe a collection agency has the right to penalize some one for owning a vehicle that may have violated a few dollar toll, and then attempt to collect {$66.00} from that person by threatening derogatory credit reporting without proof of who actually committed the alleged violation.
07/22/2021	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22041	Web
During the pandemic, the XXXX XXXXXXXX XXXXXXXX XXXX were unmanned and an XXXX was required or exact change in quarters. As I rarely travel on toll roads, when I did, I would not have the exact change and so intended to pay the tolls online. The notices slipped through the cracks as I was still moving households and paperwork was scattered. I would like to pay all the tolls but object to the usurious fees and fines and now my account is in collections. Can you please help resolve?
11/06/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	IL 60148	Web
I have an XXXX with Illinois Highway. My XXXX is connected to my bank. When my account gets low they draft. This is a collection from a debt collector for {$220.00} for Illinois State Toll Highway Authority. I want them stopped because this is NOT a debt I owe and I am reaching out for the number of people who fall for this scam. The collection comany is Professional Account Management , LLC, XXXX XXXX XXXX, XXXX, WI XXXX. The number to call is XXXX. The web address is XXXX
05/30/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94587	Web
I paid this contested parking ticket months ago and it was still sent to collections. After the first collection attempt I followed the instructions to prove the debt was paid and they are still attempting to collect it from me. When I call their phone number provided and attempt to speak to a human it hangs up on me every time. I want this stopped before it wrongly affects my credit. I have complete proof that the debit was paid and that the amount demanded is not correct.
02/18/2016	Yes	Credit reporting	Incorrect information on credit report Account terms	MD 20715	Web
After checking my credit report I fount a collection was made on my account for the amount of {$100.00} and was opened on XXXX XXXX, XXXX. After trying to contact the collector to dispute the charges made on my account I found the number to be unavailable. I tried to write to the company on XXXX XXXX, XXXX at Professional Account MGM XXXX XXXX XXXX. XXXX, WI XXXX and received no response. I would like this company to validate the debt under my rights by the FDCPA.
09/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20877	Web	Servicemember
The Delaware Department of Transportation obtained the services of Professional Account Management, LLC ( " PAM '' ) to collect a alleged debt from me. Despite multiple dispute responses, PAM continues to harass with me threatening letters and telephone calls. On countless occasions, I have disputed the validity of the debt in its entirety and PAM continues to ignore my signed, written responses. PAM is violating the text and spirit of the FDCPA.
07/10/2018	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	FL 33139	Web	Servicemember
I made payment for outstanding parking balances owed on XX/XX/2018 through the website XXXX. The amount I paid was {$87.00}. This company just contacted me stating that I owe {$65.00} for parking ticket on XX/XX/18 that was included in amount I paid for {$87.00} on XX/XX/18. When I called to verify this with the company, they were very confused and said in their system it showed that I owe over {$300.00}. This is fraudulent debt and harassment.
04/06/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	NJ XXXXX	Web
XXXX XXXX XXXX XXXX Customer Service Center XXXX XXXX XXXX XXXX, NJ XXXX XXXX XXXX ACCT # XXXX I had XXXX XXXX LITTLE DEVICES AND MY CAR WAS STOLEN AND THE OTHER REPOSSESSED HOW CAN I RETURN THE DEVICES. I PAID FOR THE XXXX XXXX tow and Im still being billed. They illegally took money out of my account, illegally. Tags can be mailed back to XXXX XXXX XXXX XXXX, Nj XXXX ( XXXX ) XXXX Im physically XXXX, my old tags were XXXX XXXX PLATES
03/17/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22193	Web
Received a notice for {$100.00} for a express lane violation ( never received the ticket ) when the ticket was for {$28.00} what was the other {$75.00} for? The letter does not say and because I was driving the car and it is registered in both my husband and my name the collection notice came in my husbands name, meaning they would not speak to me and explain the amount. Thought they were required to have that on the paper no hidden fees?
10/01/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	GA 30309	Web
I continue to receive notices regarding a toll violation/fees owed. I have no knowledge of this debt and never received information on a way to dispute this debt. The company continues to report negatively on my credit after several attempts to have removed from credit report and continues to be placed back on report. I believe this debt is fraudulent and have no knowledge of where this debt came from and company their acting on behalf.
03/20/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30331	Web
We pay monthly electronically to Florida XXXX to be able to come and go through Florida and Georgia Highways with tolls. Georgia continues to send us toll violations in the mail, then they report us to the collection agency called XXXX XXXX XXXX XXXX. Then when I call XXXX XXXX XXXX XXXX, their system hangs up on me 4 times. It is impossible to get through to them to explain that this is a debt we should not owe in the first place.
12/11/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 93257	Web	Servicemember
I am a California resident since XXXX. I last traveled outside the state to Texas in XXXX. Recently, PAM sent me a notice of delinquent fees claiming I drove on a XXXX XXXX. PAM refuses to provide documentation to prove their case because the proof does not exist. PAM continues to harass me for a debt that I do not owe A review of the XXXX website shows PAM LLC had 329 complaints against them for billing relating to the XXXX XXXX.
05/10/2015	Yes	Debt collection Auto	Disclosure verification of debt Right to dispute notice not received	MD 207XX	Web	Servicemember
I received a XXXX tickets in XX/XX/XXXX that was captured by a camera. I am in the military and I am always on the move. The only way I found out was when it showed up on my credit report as a collection account on XX/XX/XXXX. I had no knowledge of any debt before it went to collection and showed up on my XXXX report. I had no chance to contest my ticket, let alone pay it. Before this, my score was consistently above XXXX FICO
09/20/2023	Yes	Debt or credit management Debt settlement	Confusing or missing disclosures	CA 95670	Web
I sent a letter of validation pursuant to 15usc1692g certified united states mail to the dispute department at the XXXX XXXX XXXX XXXX XXXX XXXX. I sent the letter it was recieved XXXX. I called today XX/XX/2023 at XXXX I was on the phone with a rep for XXXX minutes because a supervisor would not come to the phone to handle my questions. It has been over 30 days and no validation of the debt has been sent to me as requested.
11/02/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30084	Web
XXXX XXXX claimed they had a parking ticket for XXXX of my trucks. I wrote letters to the collection agency that contacted me and the City of XXXX. I expressly told this collection agency NEVER to contact me again. The City of XXXX gave me a court date. The ticket could not be found in the system and they dismissed any so called tickets. 2 days later the collection agency sent me a letter claiming I need to pay the ticket.
09/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46528	Web
We recieved a letter in the mail that we owe a unpaid bill for a toll on the XXXX XXXX on XXXX on XX/XX/2021. We were not even in XXXX on that date and we have bank charges showing that we were in XXXX XXXX on that date. Tried to call the company resolve the situation and they hung up on us. When researching this company on the Internet there were a lot of people complaining about the same problem we are experiencing.
04/29/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 95687	Web
I had to switch the title of a car over and after that I still receive all these XXXX XXXX bills that should not be in my name I have the bill of sale and the date and from the transactions and it still continuing to comes in my name and I do not owe all this debt and I'm not even the one that owns the car so I need it all to go away I feel like that is wrong and terrible and it's going to damage my credit score.
02/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NY 137XX	Web
I disputed the {$50.00} amount with XXXX and the representative verified that it would be waived as a one-time courtesy. Now, I am getting collection letters regarding the amount. You can see that I paid the original toll, as I was required to do so in the dispute. I am, however, still receiving bills for the {$50.00} that escalated to Professional Account Management. I see no way to dispute it on their website.
05/04/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NC 28376	Web	Servicemember
Professional Account Management, XXXX, WI, continues to send me debt notices involving an unpaid toll in New Jersey. They are sending the notices to my address even though the name on the registration is not mine and they refused to provide verification of the debt as required by the Fair Debt Collection Practices Act. Instead, the collection agency demanded a copy of the registration for a vehicle I do not own.
11/16/2018	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60628	Web
Received a demand for payment for an unpaid citation from debt collector : XXXX XXXX XXXX XXXX. Reporting I owed for an unpaid meter in the District of Columbia for an {$55.00}. I have never been to the District of Columbia and have contacted by phone and written twice to agency to dispute and stop debt. The notice letter has a mailed date of XX/XX/XXXX stating I have unpaid expired meter dated XX/XX/XXXX.
04/06/2022	Yes	Debt collection I do not know	Communication tactics You told them to stop contacting you, but they keep trying	TX 75034	Web
They keep texting me without my permission. XXXX XXXX needs to pay me for the cost of the texts and my time otherwise I'll be filing a complaint at XXXX Professional Account Management LLC already stated in their written response of CFPB complaint XXXX that they did not have permission to text the cell phone number. They are not removing the automated texting of all their users.
02/11/2019	No	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	CA XXXXX	Web
XXXX XXXX XXXX XXXX ( A COLLECTION AGENCY ) INTERCEPTED MY STATE REFUND FOR THE AMOUNT OF {$740.00}. I CALLED THEM AND I ASKED WHY THEY INTERCEPTED MY REFUND, I FILED BANKRUPTCY AND WAS DISCHARGED LAST YEAR 2018 THEN WHEN SHE REVIEWED MY ACCOUNT AND FOUND THE NOTE ABOUT MY BANKRUPTCY BUT SHE IS STILL ASKING ME TO SEND THEM COPY OF DISCHARGED LETTER AND COPY OF MY ID ETC ...
06/13/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	KY 40502	Web
I received a letter from Professional Account Manangement, LLC regarding " several attempts to contact me '' for XXXX unpaid parking citations. I checked with www.dmv.dc.gov to ensure my balance was paid. It stated my balance was {$0.00}. I do not owe this said debt of {$60.00} and this company is threatening to report it to credit bureaus. Please advise asap. XXXX XXXX
02/19/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	RI 02914	Web
received a letter from profesional account management, llc stating i owe from from various parking citations- i sent them a letter saying that one is mine but the others i was working those days not in the city! they proceeded to tell me that i had plenty of time to dispute and didnt so i forfeit my right to appeal! they keep sending letters saying i owe debt that wasnt me
08/19/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 131XX	Web
I had outstanding tolls, sent to the wrong address for a year straight. I finally recied the notices and tolls were sent to XXXX collections. I have tried to pay the tolls online and it is almost impossible. I have tried to contact XXXX and you can not get them to answer the phone. I can not have this added to my credit report and they do not have an email to reach them.
12/12/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94030	Web	Servicemember
I am being billed for a debt that is not mine. PAM is attempting to collect a {$6.00} bridge toll from me for a vehicle using false licence plates. The vehicle in question did not have XXXX licence plates. I previously disputed the validity of the debt, and PAM failed to respond with evidence showing that the vehicle was mine or that the licence plate belonged to me.
01/24/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	IN 46322	Web	Older American
non stop calls about paying a collection agency for who or what I don't know. My credit is above 800 so its obvious they have the wrong person. Have told them to stop, they asked what my name was and I told them. They said that was not the name the debt was in regards to but continue to harass me. I will file a small claims suit against them if they don't stop.
03/10/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 947XX	Web
Originally, I received a parking ticket from the XXXX XXXX XXXX. I sent in my first request for an administrative review ( due XXXX/XXXX/2016 ) but it was sent back for not including payment and time was extended to XXXX/XXXX/2016. Now " Professional Account Management, L.L.C '' is sending me a bill for {$370.00} which is an increase from my previous ticket.
12/02/2016	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	MD 20850	Web
I am in receipt of Professional Account Management, LLC., letter informing me that they are handling the collection of an account. However, after reviewing my records, I am unable to find any documentation of any contractual relationship between Professional Account Management LLC., and me which makes them entitled to enforce a commercial claim against me.
08/18/2023	Yes	Debt collection Other debt	Threatened to contact someone or share information improperly Talked to a third-party about your debt	MI 482XX	Web
A collection agency emailed my sister about a toll. Exposing my information and the debt owed. I do not have a strong relationship with her and shocked that they can just casually send debts to random people without confirming identity. I highlighted the email address that it was sent to. Not my email at all and Ive never used it before.
09/10/2018	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MD 210XX	Web	Servicemember
I have been receiving correspondence by mail from XXXX XXXX XXXX XXXX stating they are in demand for payment of {$360.00}. I think this is a scam because when I call to dispute the request they always ask me for personal information to identify me and do not provide my information over the phone and the person disconnects the phone call.
08/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	TX 76244	Web	Servicemember
Professional Account Management continues to send me collection letters, despite me notifying them I am in bankruptcy. The bankruptcy case is XXXX. My attorney name is XXXX XXXX. Bankruptcy filed on XX/XX/2023. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX XXXX XXXX, Texas XXXX Ph : ( XXXX ) XXXX Fax : ( XXXX ) XXXX
09/24/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20877	Web	Servicemember
Professional Account Management, LLC, a debt collector for the Delaware Department of Transportation is frauduently attempting to collect the same alleged debts under unique and separate account numbers in an effort to double charge me. Furthermore, the alleged debts are not valid and I have disputed their validity countless times.
05/06/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46143	Web
I received a letter stating I owed {$350.00} for an unpaid Illinois toll violation that occurred in 2018. I never received any type of notice from any toll company. The collections agency said the toll was {$7.00} and the remaining balance was a fee. They stated they had no proof a I was ever notified of the original bill.
06/10/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Contacted me after I asked not to	MD 21202	Web
Hello, Professional Account ManagementXXXX is repeatadly contacting me threateaning to file a report with the Credit Reporting agencies despite the fact that I provided them with a written notice disputing the validity of the debt withing 30 days of original notice. Their Acct # for me is XXXX Their phone # XXXX
02/11/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	MN 557XX	Web
XXXX XXXX XXXX keeps calling and leaving a message at my mothers number stating she owes money. It is a recorded call and never uses a name of who owes the money. My mother has a clean credit record and does not owe anything. They call daily. I will not allow her to call back. The number they give is XXXX.
06/05/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95348	Web
XXXX XXXX XXXX is performing fraudulent debt collection on a debt that was paid in full. The item under issue is a parking ticket which was paid in full, the debt collection agency can not verify this debt and added ridiculous penalty charges to the debt. They have not given me debt verification documents.
04/07/2017	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	NY 120XX	Web	Older American
Professional Accounting Services call my home several times a day to collect on a debt that is n't mine. They were told this. They continue to harrass me. i am a senior citizen and they are trying to scam me. Whoever they represent needs to understand I am not responsible and to stop calling me.
02/08/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22003	Web
I had been getting debt collection letters multiple times regarding toll violation, and im sure i did not made violation. I received the first letter on XX/XX/XXXX for {$410.00} ( i paid this not knowing this is a fraud ), i received the second letter on XX/XX/XXXX for another {$140.00}.
03/23/2022	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	TX 75034	Web
I keep receiving messages from ( XXXX ) XXXX like the following : MSG on behalf of XXXX Texas XXXX XXXX ; MSGs may be monitored/recorded. For details tap XXXX XXXX XXXX # XXXX to receive balance info, reply YES. To OptOut reply STOP I never gave them permission to send me text messages.
02/27/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20877	Web	Servicemember
In violation of the FDCPA, Professional Account Management continues to send threatening letters, texts, and voice mails in an attempt to collect a debt that is not owed. They have ignored all cease and desist requests and refused to provide any evidence to support its claim.
02/22/2017	Yes	Debt collection Auto	False statements or representation Attempted to collect wrong amount	CA 95112	Web
XXXX, I recieved a letter of unpaid debt collection in which i was not aware of till 2 days ago. i recieved a bill of {$75.00} in which I do not carry a XXXX account therefor, resolting in no use for the XXXX XXXX. I want to correct the violation mistake XXXX has caused.
05/23/2016	Yes	Debt collection I do not know	Disclosure verification of debt Not given enough info to verify debt	TX 77025	Web
I found that I owe {$130.00} to a company named " XXXX '' when I checked my credit report. I do n't know what this debt is for, what this company is. No type of contact was made or attempted by this company to let me know why I owe this money and how I can pay it.
09/09/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CA 92880	Web	Servicemember
I checked my credit report and there was a company I had never heard of. I never conducted business with. This company is XXXX XXXXt Address : XXXX XXXX XXXX XXXX XXXX, WI I wrote a certified letter to the company but I still did not receive a response.
03/28/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Used obscene/profane/abusive language	VA 23324	Web
Today I spoke with a representative from this company who called me out of my name, while then attempting to hang up on me before I asked to speak with her supervisor ; after which she transferred me to another department instead of her supervisor.
06/24/2021	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	CT 06405	Web
Had an XXXX on my vehicle it was never detected by the toll system and a bunch of them went into collections I was not aware I thought they were bills. Id like to remove them from collections and the fees removed so I can pay them via my XXXX XXXX
11/15/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt was paid	CA 92399	Web	Older American
I was late paying a XXXX Toll fee and after paying {$25.00} to the toll company I received a bill for {$77.00}, sent them a letter of explaination and they sent me another fine for {$70.00}, no explaination just a total due of {$140.00}.
05/13/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20721	Web	Servicemember
Professional Accounting Management is reporting false information on my cr4edit report. I contacted the company ( XXXX ) XXXX to be told that they are unable to pull anything up under my name, thus being unable to address the issue
10/05/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 77079	Web
Professional credit management reported on my XXXX report on XX/XX/2019. I was never received a bill about this. I have spoke to this company but they will not me resolved this issue, now this hurting my chance to get a house
03/17/2021	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	PA 196XX	Web
I keep getting automated voice calls from Professional Account Management LLC the phone number they keep calling me from is XXXX I can not get ahold of them to tell them to stop calling and I feel like im being harassed.
07/25/2022	Yes	Debt collection I do not know	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	PA 19143	Web
On XX/XX/2022, consumer received documents in mail from Professional Account Management LLC alleging debt owed. Professional Account Management LLC is a third party for XXXX XXXX XXXX Both companies have violated FDCPA
01/26/2023	No	Credit card or prepaid card Government benefit card	Problem getting a card or closing an account Trouble getting, activating, or registering a card	OH 44691	Web
Back in XXXX I was approved for XXXX but I never knew that I was approved. My son 's father XXXX XXXX stole my approval letter along with my payment form. So he collected {$2600.00} some dollars from XXXX of mine.
04/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	CA 95610	Web
state tax refund was intercepted due to vehicle toll tickets for a vehicle i sold in XX/XX/2016, i provided collector with vehicle release of liabilty but they sent notice they did not have to refund my money
12/02/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 94127	Web
This Collection Agency keeps sending me and my family members bills that have already paid 2 years ago. I try calling and no live person is ever available to speak with and there website is not active.
06/18/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07726	Web
This is an XXXX violation but I have an active XXXX account for the past 15 years in good standing.. charges should have applied to my XXXX account and should have not resulted in charge and penalty
08/30/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY 10573	Web
Robocalls are constantly being recorded on my machine. I do not know why ( nor how ) I got on this 'list ', but I have no debt, and nothing to say at this time. All my bills are paid in full.
03/15/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19152	Web
I was sent a debt collection notice but while they let you pay the amount online, they don't allow you to dispute it online.
03/25/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	IL 60657	Web
Debt amounts are not accurate when attempting to make payment. Further ; agency will not allow me to make a payment
11/16/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	DE 19713	Web
Debt collection from toll violations. That was not made by me nor do I owe these violations.
10/24/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	NY XXXXX	Web	Older American
Robocall Claiming I owe a debt I do not owe any debts
10/31/2015	No	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	CA 93706	Web
this is not mine
03/14/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DC 20002	Web
Debt was paid.
02/07/2024	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	CA 94112	Web

02/02/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 017XX	Web

01/31/2024	Yes	Credit reporting or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	CA 95747	Web

01/26/2024	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11210	Web

12/15/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	GA 30344	Web

11/16/2023	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 02360	Web

11/13/2023	Yes	Credit reporting or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	CA 95616	Web

09/23/2023	Yes	Debt collection Other debt	False statements or representation Impersonated attorney, law enforcement, or government official	MI 48235	Web

09/20/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	PA 19101	Web

05/17/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web

05/06/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	PA 19139	Web

05/02/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30317	Web

04/17/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NY 10028	Phone

04/03/2023	Yes	Debt collection Other debt	Written notification about debt Notification didn't disclose it was an attempt to collect a debt	DC 20020	Web

03/30/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NJ 07101	Web

03/29/2023	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94114	Web

03/20/2023	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Improper use of your report Reporting company used your report improperly	DC 20020	Web

03/16/2023	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	CA 96001	Web	Servicemember

03/14/2023	Yes	Debt collection I do not know	False statements or representation Impersonated attorney, law enforcement, or government official	TX 76010	Web

02/14/2023	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	VA 23702	Web

12/30/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	MD 20617	Web	Servicemember

12/28/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

12/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20020	Web

12/21/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NC 28625	Phone

12/21/2022	Yes	Debt collection I do not know	Threatened to contact someone or share information improperly Talked to a third-party about your debt	VA 22304	Web

12/15/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DC 20020	Web

12/14/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	PA 19131	Web

10/24/2022	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	VA 23234	Web

04/22/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07305	Web

04/02/2022	No	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	SC 29369	Web

02/27/2022	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 13760	Web

02/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22040	Web

02/24/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	TX 75228	Web

02/14/2022	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	TX 77058	Web

02/10/2022	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	TX 77047	Web

01/26/2022	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75154	Web

01/15/2022	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	MI 48033	Web

12/21/2021	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	NY 10472	Web

11/29/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 20148	Web

11/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	OR 97374	Web

11/03/2021	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	TX 75070	Web

10/03/2021	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NY 10459	Web

09/22/2021	Yes	Debt collection Credit card debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	MD 21085	Web

09/02/2021	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	NJ 08092	Web	Older American

09/02/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NY 12206	Referral

07/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	GA 30253	Web

07/09/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	FL 33063	Referral

06/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75023	Web

04/20/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	VA 22150	Web	Older American, Servicemember

03/01/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NM 88310	Web	Servicemember

02/24/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	KS 67214	Web

02/17/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 07112	Web

02/12/2021	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Improper use of your report Reporting company used your report improperly	WI 53081	Web

02/02/2021	Yes	Debt collection Other debt	Communication tactics Used obscene, profane, or other abusive language	TX 75249	Web

01/29/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07677	Referral

01/21/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	TX 75494	Web

01/18/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was already discharged in bankruptcy and is no longer owed	IL 61108	Web

01/08/2021	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	NJ 08562	Web

01/03/2021	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07650	Web

11/15/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07003	Web	Servicemember

10/26/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 95829	Web

10/19/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 91206	Phone

10/07/2020	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 90210	Phone

10/06/2020	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	NJ 07002	Phone	Older American

09/29/2020	Yes	Debt collection I do not know	Communication tactics Used obscene, profane, or other abusive language	PA 19144	Web

09/11/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	TX 77469	Referral

08/08/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	MO 63017	Web

04/28/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	TX 75002	Web

04/08/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 07003	Web	Servicemember

03/24/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19038	Web

03/11/2020	Yes	Credit reporting, credit repair services, or other personal consumer reports Credit reporting	Incorrect information on your report Information belongs to someone else	TX 77095	Web

02/20/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	NJ 08527	Referral

02/10/2020	Yes	Debt collection I do not know	False statements or representation Attempted to collect wrong amount	KY 42419	Web

02/05/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

01/29/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Threatened or suggested your credit would be damaged	VA 22191	Web

01/27/2020	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	GA 30127	Web	Servicemember

01/24/2020	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Sued you in a state where you do not live or did not sign for the debt	VA 23071	Web

01/24/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	NJ 07747	Web

01/22/2020	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NJ 07013	Fax

01/19/2020	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	IL 60607	Web

11/08/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 91801	Phone

10/31/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	NC 28092	Web

09/23/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	DC 20003	Web

08/03/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IL 60638	Web

07/05/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 20164	Phone

06/13/2019	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	TN 380XX	Web

05/31/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 23703	Web

05/31/2019	Yes	Debt collection I do not know	Communication tactics Frequent or repeated calls	VA 22046	Web

05/28/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	OR 97217	Web	Older American, Servicemember

05/23/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92509	Web

05/22/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22202	Web

05/13/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 24441	Web

05/09/2019	Yes	Debt collection I do not know	Written notification about debt Didn't receive enough information to verify debt	MD 21042	Web

03/25/2019	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60433	Web	Older American

03/21/2019	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt is not yours	CA 95829	Web

03/14/2019	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	VA 23059	Postal mail

02/14/2019	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	VA 23002	Web

01/28/2019	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	FL 32218	Web

12/28/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	IL 60433	Web	Older American

12/27/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	CA 95403	Web

12/13/2018	Yes	Debt collection Other debt	Communication tactics Frequent or repeated calls	MD 20743	Postal mail

11/09/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

10/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 33418	Web

10/21/2018	Yes	Debt collection Other debt	Took or threatened to take negative or legal action Seized or attempted to seize your property	GA 30301	Web

10/17/2018	Yes	Debt collection Auto debt	Communication tactics Frequent or repeated calls	DC 20012	Referral

10/01/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	FL 34472	Web	Older American, Servicemember

08/07/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	DE 19711	Postal mail

07/17/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Referral

07/11/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95658	Web	Older American

06/28/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	NY 11704	Fax

06/05/2018	Yes	Debt collection Other debt	Written notification about debt Didn't receive enough information to verify debt	MA 02038	Fax

05/30/2018	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 95066	Web

05/10/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95842	Postal mail

05/02/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 95842	Web

04/24/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 94611	Web

04/19/2018	Yes	Credit reporting, credit repair services, or other personal consumer reports Other personal consumer report	Incorrect information on your report Personal information incorrect	TX 75038	Web

04/16/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	CA 95757	Phone

03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46163	Web

03/08/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	IN 46163	Web

02/22/2018	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	FL 32776	Web

12/21/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	VA 22060	Web	Servicemember

12/04/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt was paid	MA 01602	Web	Servicemember

10/23/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was result of identity theft	MD 21208	Web

10/17/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	CA 90242	Web

10/16/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours		Phone

10/10/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 90007	Phone

09/30/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was result of identity theft	IL 60643	Web

08/30/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 22554	Web

08/24/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	MA 01950	Referral

08/21/2017	Yes	Debt collection Auto debt	Attempts to collect debt not owed Debt was paid	VA 22193	Web

08/19/2017	Yes	Debt collection I do not know	Attempts to collect debt not owed Debt is not yours	CA 92880	Web

08/15/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	NJ 08759	Referral

08/11/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	CT 06037	Web

08/08/2017	Yes	Debt collection Other debt	Communication tactics You told them to stop contacting you, but they keep trying	GA 30062	Phone

08/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt was paid	PA 19038	Web

07/20/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	VA 23456	Postal mail

07/11/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	RI 02809	Phone

06/14/2017	Yes	Debt collection Other debt	Written notification about debt Didn't receive notice of right to dispute	MD 20748	Web

06/14/2017	Yes	Debt collection Other debt	False statements or representation Attempted to collect wrong amount	CA 94010	Web

06/05/2017	Yes	Debt collection Other debt	Attempts to collect debt not owed Debt is not yours	MD 21140	Phone

02/17/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MD 20746	Postal mail

02/13/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94404	Web

02/10/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30518	Web

01/31/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KY 40241	Web

01/30/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 91016	Web	Servicemember

01/20/2017	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 94507	Referral

12/28/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	WV 26508	Postal mail

12/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30341	Web

12/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20814	Phone	Older American

12/08/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	CA 94520	Referral

12/06/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	VA 22043	Referral

11/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95473	Web

10/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28209	Web

10/04/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Improper contact or sharing of info Talked to a third party about my debt	MD 20748	Web

09/27/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 92071	Web

09/19/2016	Yes	Debt collection Auto	Cont'd attempts collect debt not owed Debt is not mine	CA 90049	Web	Older American

09/15/2016	Yes	Debt collection I do not know	Improper contact or sharing of info Contacted me after I asked not to	CT 06851	Web

09/14/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	FL 33556	Postal mail

09/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	CA 95448	Phone	Older American

08/26/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NJ 07726	Web

08/25/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine		Fax

08/16/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NC 28590	Referral

06/23/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Threatened to take legal action	MD 20815	Web

06/20/2016	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 23120	Web

06/08/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	GA 30052	Web

05/30/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	CA 90501	Web

05/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22101	Web

05/17/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was discharged in bankruptcy	FL 33319	Web

05/13/2016	Yes	Debt collection Medical	False statements or representation Attempted to collect wrong amount	MD 20720	Web

05/13/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NJ 07601	Phone	Servicemember

05/13/2016	No	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	DC 20002	Phone

05/09/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not disclosed as an attempt to collect	MD 20770	Web

05/07/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20723	Web

05/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	GA 30269	Web

05/03/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 76008	Web

04/29/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	NY 10019	Postal mail

04/12/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20740	Fax

04/05/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 21045	Phone

03/29/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20785	Web

03/24/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20002	Phone	Older American

03/22/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	KS 66062	Web

03/07/2016	No	Debt collection Auto	False statements or representation Attempted to collect wrong amount	VA 20141	Web

01/21/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	MD 20747	Web

01/20/2016	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20003	Web

01/07/2016	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Not given enough info to verify debt	MI 48237	Web

12/23/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	DC 20011	Web

12/23/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Disclosure verification of debt Right to dispute notice not received	DC 20011	Web

11/27/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	DC 20024	Web

11/26/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	TX 77042	Web

11/10/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	AE 09264	Web	Servicemember

10/16/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	False statements or representation Attempted to collect wrong amount	TN 37388	Phone	Servicemember

10/08/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	FL 33029	Fax

09/21/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	MD 20653	Web

08/26/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	DC 20037	Web

08/19/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	DC 20019	Web

07/30/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85018	Web	Older American

07/24/2015	No	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	AE 09522	Web	Servicemember

07/01/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	AZ 85018	Web	Older American

06/04/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Communication tactics Frequent or repeated calls	MD 20745	Phone	Older American

04/29/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22308	Referral

03/22/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	VA 22307	Web

03/19/2015	No	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt was paid	VA 22172	Web	Servicemember

03/10/2015	Yes	Consumer Loan Installment loan	Taking out the loan or lease	MI 48239	Web

03/07/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	GA 30228	Web

03/03/2015	Yes	Debt collection Other (i.e. phone, health club, etc.)	Cont'd attempts collect debt not owed Debt is not mine	NY 11375	Web

02/19/2015	Yes	Debt collection I do not know	Cont'd attempts collect debt not owed Debt is not mine	VA 22191	Web