Professional Collection Service Inc (GA) CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
06/22/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 36801
 Web
Be advised that your debt claim is DISPUTED and VALIDATION is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I XXXX XXXX have the right to demand validation of the debt you say I owe you. I XXXX XXXX demand proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding to me This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. An alleged court order is NOT a VALIDATION OF DEBT [ Spears v. Brennan 745 N.E.2d 862 ( Ind.App. 2001 ) ]. I XXXX XXXX demand that your offices provide me with competent evidence that I have any legal obligation to pay you. VALIDATION OF UNDERTAKING YOU MUST PRODUCE THE ORIGINAL CONTRACT ( for Inspection ) EXTENDING CREDIT TO YOUR NAME, FRONT AND BACK PAGES, WITH MY ORIGINAL WET INK SIGNATURE ( certified copies ) IN RESPECT TO THE ALLEGED CONTRACT AND STATE FOR THE RECORD WHO THE ALLEGED ORIGINAL CREDITOR WAS OR CURRENT HOLDER OF ORIGINAL CONTRACT IS BASED ON THE PRECEEDING LAW PROOF OF A VALID COURT ORDER BY PROVIDING THE NAME OF THE ISSUING JUDICIAL OFFICER PURSUANT TO CORAM NON JUDICE FEDERAL RULE 60 ( B ) ( 4 ). NON-JUDICIAL PERSON NOT A JUDGE OR CORAM NON-JUDICE IS VOID FOR LACK OF DUE PROCESS. JUDGMENTS CORAM NON JUDICE ARE VOID AND MUST BE VOIDED BY THIS COURT UNDER EQUAL PROTECTION OF LAW UNDER 14TH AMENDMENT. [ The proposition that the judgment of a court lacking jurisdiction is void traces back to the English Year Books, see Bowser v. Collins, Y. B. Mich. 22 Edw. IV, f. 30, pl. 11, 145 Eng. Rep. 97 ( Ex. Ch. 1482 ), and was made settled law by Lord Coke in Case of the Marshalsea, 10 Coke Rep. 68b, 77a, 77 Eng. Rep. 1027, 1041 ( K. B. 1612 ). Traditionally that proposition was embodied in the phrase coram non judice, " before a person not a judge '' meaning, in effect, that the proceeding in question was not a judicial proceeding because lawful judicial authority was not present, and could therefore not yield a judgment.American courts invalidated, or denied recognition to, judgments that violatedthis common-law principle long before the Fourteenth Amendment was adopted. See, e. g., Grumon v. Raymond, 1 Conn. 40 ( 1814 ) ; Picquet v. Swan, 19 F. Cas. 609 ( No. 11,134 ) ( CC Mass. 1828 ) ; Dunn v. Dunn, 4 Paige 425 ( N. Y. Ch. 1834 ) ; Evans v. Instine, 7 Ohio 273 ( 1835 ) ; Steel v. Smith, 7 Watts & Serg. 447 ( Pa. 1844 ) ; Boswell 's Lessee v. Otis, 9 How. 336, 350 ( 1850 ). In Pennoyer v. Neff, 95 U. S. 714, 732 ( 1878 ), we announced that the judgment of a court lacking personal jurisdiction violated the Due Process Clause of the Fourteenth Amendment as well. Burnham v. Superior Court of Cal. , County of Marin , 495 US 604 - Supreme Court 1990 ] NAME OF CLERK WHO SIGNED AND ENTERED COURT ORDERED MONEY JUDGMENT AS REQUIRED BY 28 USC SECTION 1691 [ A DEPUTY CLERK IS NOT A JUDICIAL SIGNATURE AND ANY DOCUMENT SIGNED BY DEPUTY CLERK IS VOID FOR NOT COMPLYING WITH LAW UNDER UNITED STATES XXXXODE UNDER 28 USC SECTION 1691 PURSUANT -Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 hn. 1 9th Cir. XXXX FURTHER, THIS ENTITY CAN NOT RELY UPON A CLAIM THAT A COURT ORDER IS ORDERING YOUR NAME TO PAY AN ALLEGED DEBT UNLESS THIS COURT ORDER IS A COMPLETED SEAL OF TESTE PROCESS IN ACCORDANCE WITH 28 USC SECTION 1691 WHICH READS All writs and process issuing from a court of the United States shall be under the seal of the court and signed by the clerk thereof. FURTHER THE COURTS HAVE HELD THAT ANY WRIT COMING FROM A COURT MUST HAVE A JUDICIAL SIGNATURE OR IT IS VOID FOR LACK OF JUDICIAL SIGNATURE. [ Scanbe Mfg. Co. v. Tryon, 400 F.2d 598 " the injunction signed only by a deputy clerk of the District Court is void '' for want of a judicial signature. Section 1691 of Title 28, U.S.C. ] PROOF OF A MONEY JUDGMENT WITH CLERKS OFFICE AS REQUIRED BY CCP SECTION 1250.150 The plaintiff, at the time of the commencement of the proceeding, shall record a notice of the pendency of the proceeding in the office of the county recorder of any county in which property described in the complaint is located. A copy of the notice shall be served with the summons and complaint. - See more at : XXXX : XXXX # XXXX ALL LAWS PROTECTING EMPLOYEE ( S ) FROM LAWSUITS ARE UNDER PRESUMPTION THE EMPLOYEE ( S ) ARE COMPLYING WITH THE UNITED STATES CONSTITUTION WHEREBY ANY ACTION IN VIOLATION REMOVES QUALIFIED OR JUDICIAL IMMUNITY UNDER A UNITED STATE SUPREME COURT DECISION SCHEURER V RHODES [ Scheuer v. Rhodes, 416 U.S. 232 ( 1974 ) when a state officer acts under a state law in a manner violative of the Federal Constitution, he comes into conflict with the superior authority of that Constitution, and he is in that case stripped of his official or representative character and is subjected in his person to the consequences of his individual conduct. The State has no power to impart to him any immunity from responsibility to the supreme authority of the United States. ] CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : 1. Discovery of Evidence Discovery of original undertaking that bears the wet ink signature of the alleged debtor promising to pay the original creditor. 2. Discovery of Evidence Discovery of true copy of legally enforceable court order containing judicial signatures in accordance with FEDERAL RULE 60 ( B ) ( 4 ) and 28 USC Section 1691 for without a court order for without a complete court order money judgment this is an alleged debt under FDCPA requiring VALIDATION when commanded to validate debt or SEIZE ALL COLLECTION METHODS. 3. Discovery of Evidence Discovery of the Money Judgment recorded and entered with County Clerk in accordance with California Code of Civil Procedure Section 1250.150. 4. Discovery of Evidence Discovery of a true copy of a Writ of Execution and Writ ofGarnishment issued by court of competent jurisdiction and recorded and entered with a County Clerk in accordance with California Code of Civil Procedure Section 1250.150. 5. Discovery of Evidence The undersigned demands Discovery of a true copy of an alleged court order or writ of execution authorizing this office/collection organization to issue an income withholding order for wage garnishment. Please refrain from referring the undersigned to the court of issuance or clerk of the court. 6. Discovery of Evidence Agreement with your client that grants you the authority to collect on this alleged debt. 7. Discovery of Evidence Discovery of name and address of original alleged creditor. 8. Discovery of Evidence Discovery of Any Judgments obtained by any creditor regarding this account. 9. Discovery of Evidence Discovery of name on file of alleged debtor. 10. Discovery of Evidence Discovery of address on file for alleged debtor. 11. Discovery of Evidence Discovery of alleged account number. 12. Discovery of Evidence Discovery of amount of alleged debt. 13. Discovery of Evidence Discovery of date this alleged debt became payable. 14. Discovery of Evidence Discovery of date of original charge off or delinquency. 15. Discovery of Evidence Discovery of Any insurance claims been made by any creditor regarding this account. 16. Discovery of Evidence Discovery of VALIDATION that this debt was assigned or sold to collector. 17. Discovery of Evidence Discovery of complete accounting of alleged debt. 18. Discovery of Evidence Discovery of commission for this office/debt collector if collection efforts are successful and if such commission has been added to the alleged debt. 19. Discovery of Evidence Discovery of VALIDATION that your collection practices are legally in accordance with California Code of Civil Procedure Section 337.2. 20. Discovery of Evidence Provide a statement certifying that you did not breach any federal state contractual commercial or official oath or laws in carrying out the alleged contract and associated transactions. 21. Discovery of Evidence Certify that you did not unlawfully without my consent use my signature to materially alter, falsely endorse, stamp or convert any contract bearing my name or signature, into a security, in order to convert my contract into assets, or gain assets from a third party. You MUST Certify and prove that you are an actual LENDER and that you did not commit any action that would preclude that you used my identity in a fraudulent or illegal manner in Violation of Law and ( FEDERAL TRADE COMMISSION ( FTC ) Policy, yourself or in collusion with a third party or additional parties. You are bound by law to provide this information upon a request pursuant to FOIA USC 5section 552 and the Fair Debt Collections Practices Act along with the aforementioned laws. Please provide the name and address of the bonding agent for COLLECTIONAGENCY in case legal action becomes necessary. Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for VALIDATION made pursuant to the Fair Debt Collection Practices Act 15 USC 1692g Sec. 809 ( b ) of the FDCPA. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. At this time I will also inform you that if your offices have or continue to report invalidated information on my credit report, this action will constitute fraud, forgery, perjury, and extortionunder both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by CORPORATION/COMPANY NAME or the company you represent, I will pursue legal actions against you and your client for the following : Fraud, Forgery, Perjury, Extortion, Violation of the Fair Debt Collection Practices Act and Defamation of Character. If your offices fail to respond to this VALIDATION request within 30 days from the date of your receipt, THIS UNVALID NEGATIVE ACCOUNT MUST BE REMOVED IMMEDIATELY, andall 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. Please refrain from responding in excessive legalese or any attorney stalling practices by objecting to fairly simple requests alleging the receiver of the VALIDATION OF DEBT does not understand. This is a very easy process of discovery, whereby the undersigned is simply seeking discovery of evidence and disclosure of this organizations policy with regard to the collection of an alleged debt to ascertain if rights guaranteed by the US Constitution Bill of Rights were violated. Best Regards, XXXX XXXX cc Federal Trade Commission
07/30/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31907
 Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Professional Collection Date : XX/XX/XXXX XXXX : Acct # XXXX To Whom It May Concern : I have previously sent you a request to validate my debt under the Fair Debt Collection Practices Act and all I received was an itemized list of the alleged charges you claim I owe you. This does not meet the Federal Trade Commissions guidelines of what constitutes proper debt validation In addition, in the case of XXXX Vs. XXXX ( IN THE COURT OF APPEALS OF INDIANA, No. XXXX ), the court ruled that : 15 U.S.C. 1692g ( b ) ( emphasis added ). On XX/XX/XXXX, nineteen days after the date of XXXX debt collection letter, XXXX counsel XXXX sent XXXX a letter declaring that XXXX disputes your debt collection-related allegations, denies the same, and demands strict proof and verification thereof. Record at 21. As such, XXXX should have ceased his debt collection efforts immediately upon receiving that letter. Instead, XXXX proceeded to obtain a default judgment against XXXX on the debt collection claim before he had mailed XXXX the necessary verification and, thus, violated 15 U.S.C. 1692g ( b ). XXXX maintains, however, that there was no violation of the FDCPA because he sent adequate verification of the debt [ to XXXX ] in the XX/XX/XXXX notice of claim. Brief of XXXX at 13. Specifically, XXXX claims that a copy of the consumer credit contract between XXXX and XXXX XXXX attached to the notice of claim provided sufficient verification of the debt within the meaning of 15 U.S.C. 1692g ( b ). We can not agree. The contract in no way provides sufficient verification of the debt. A review of the document reveals that it identifies only the terms of XXXX loan, including a 17.99 % annual interest rate and the original loan amount of {$2500.00}. The loan agreement contains no accounting of any payments made by XXXX, the dates on which those payments were made, the interest which had accrued, or any late fees which had been assessed once XXXX stopped making the required payments. Indeed, the existing unpaid contract balance at the time XXXX sent the debt collection notice was at least {$350.00} more than the original loan amount. Therefore, XXXX violated 15 U.S.C. 1692g ( b ) when he failed to cease collection of the debt by obtaining a default judgment against XXXX after XXXX had notified XXXX in writing that he was disputing the debt but before XXXX had mailed verification of the debt to XXXX. We reverse the trial courts entry of summary judgment in favor of XXXX on this issue. I notice that you are still reporting this collection on my credit report, which is considered to be a collection activity. You are now in violation of the FCPDA, and are now subject to fines of {$1000.00}, plus actual damages and attorneys fees, which I may collect from you by filing a claim in small claims court. These collections on my credit report are causing me severe problems in trying to purchase a home and the damage could lead into the $ XXXX. You should also be aware that reporting such invalidated information to major credit bureaus might constitute defamation of character, as the negative marks on my credit report harm my credit and prevent me from enjoying all the benefits of good credit. In addition, the Fair Credit Reporting Act ( FCRA ) does not allow the inaccurate reporting of information on my credit report and under this act. Therefore, if you do not immediately remove this account from my credit report, you are subject to another {$1000.00} fine, plus punitive damages. I'm sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. I intend to follow through with the suit if I do not hear back from you within 15 days. I look forward to hearing from you, XXXX XXXX XXXX
09/04/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31907
 Web
Request for VALIDATION, NOT Verification XXXX XXXX XXXX XX/XX/2019 Professional Collection Service , Inc RE : Accounts # XXXX To Whom It May Concern : This letter is being sent to you in response to notices sent to me from your company and more importantly, due to your erroneous reporting to the Credit Bureau { s }, the highly negative impact on my personal credit report. Please be advised that this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b } that your 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 that your offices provide me with competent evidence that I have any legal obligation to pay you. Please provide me with the following : What the money you say I owe is for : Explain and show me how you calculated what you say I owe : Provide me with copies of any papers that show I agreed to pay what you say I owe : Provide a verification or copy of any judgment if applicable : Identify the original creditor : Prove the Statute of Limitations has not expired on this account : Show me the you are licensed to collect in my state : Provide me with your license numbers and Registered Agent or Agent of Service : 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 or XXXX } this 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 by your company or the company that you represent, I will not hesitate to bring legal action against you for the following : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act Defamation of Character If your offices can provide proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information and during such 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 my legal counsel for suit. This includes listing any information with a credit reporting repository that could be inaccurate or invalidated or verifying an account as accurate, when in fact there is no provided proof that it is accurate. If your company 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 report and a copy of such deletion { to any/all of the 3 major credit reporting bureaus : XXXX, XXXX and XXXX } request shall be sent to me immediately. I would also like to request, in writing, that no telephone contact be made by your company to my home or my place of employment. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. All future communications with me MUST be done in writing and sent to the address noted in this letter by USPS. It would be advisable that you assure your records are in order before I am forced to take legal action against your company and your client. This is an attempt to correct your records, any information obtained shall be used for that purpose. Best Regards, XXXX XXXX XXXX
04/26/2018 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AL
  • 368XX
 Web
I went into XXXX XXXX XXXX Ga to rent a apartment. We was not able to see the apartment before we put the first months rent and deposit down. We was told it was not ready but if we didn't pay our deposit and first month rent that it would be rented to someone else cause there is a wait list. Just looking at the area Thinking it was a nice area, I thought I needed to do what I was told or I would lose the apartment. After I moved into a apartment complex that I was told was a wonderful country living and quiet atmosphere the problems began. There was drug deals going on at the bottom of my apartment and all thru the neighbor hood. people would smoke pot all in the walk ways. We complained but was told there was nothing they could do to call the police. we put cameras on our patio facing the parking lot where our trucks had been vandalized and scratched up. One vehicle from neighbor was actually stolen. then people would shine lasers at our cameras to try and destroy them. WE paid {$770.00} a month rent with a {$300.00} security deposit and a {$450.00} total pet deposit. we paid on time every month despite the horrible and most times scary conditions we had to live in. Then the XXXX started I have been hospitalized from XXXX XXXX XXXX XXXX and the vents were very old and full of dust thru the vents. We asked if maintenance could come by and clean the vents and check the duck works. When they came the outside was just wiped down nothing was fixed they went in the apartment when we was not there and when we returned we popped the vent cover off and it was just thick with black stuff and dust. toward the last few months it had rained a lot and the ceiling was leaking and had water stains thru the ceiling and I'm sure mold in there also as I was on 3 different XXXX XXXX at this point. We called the office who sent maintenance who we figured out had just spray painted the water stains on the ceiling with white paint cause everything just bleed right back thru. we made it up until the last month and I just could not breath in that apartment or live there any more. The only damage that happen was Two spots in the carpet from my dog that I really didn't want to have in a apartment but felt needed some kind of protection so had to have. Anything else was from there lack of them actually fixing any other issues. I have let this go and have this ding on my credit now cause I was rented a apartment under false pretense and could not physically stay in that apartment any longer. I was recently given this website to try and rectify the situation and hopefully it does not happen to anyone else. But I refused to be blackmailed after everything I had to go thru at this complex
05/26/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31210
 Web
I've sent several documents to Professional Collection Services asking them for documents to validate this alleged debt. They received the documents on XX/XX/2021. It has been well over 30 days and they still haven't sent any documents of this debt that they ASSUME I owe. I'm asking CFPB TO HAVE PROFESSIONAL COLLECTION SERVICES REMOVE THIS COLLECTION FROM MY CONSUMER REPORT BECAUSE THEY ARE IN VIOLATION! Professional Collection Services state there was no response from the validation notice they sent out or numerous phone calls. 15 USC 1692g ( c ) Admission of Liability ; The failure of a consumer to dispute the validation of a debt under this section may not be construed by any court as an admission of liability by the consumer. Professional Collection Service doesn't have the right to say the debt is valid. You can ASSUME. Only I can validate any alleged debt. Professional Collection Services reported this alleged debt to the credit bureau. 15 USC 1681 My credit/consumer report is my reputation. If a bad debt has been furnished to any consumer reporting agency, my reputation has in fact been ruined. Professional Collection Services reported bad debt to my consumer report. This is a violation. Professional Collection Services stated I owe an alleged debt that they can't seem to give proper and correct documents that I requested. You called in an attempt to collect a debt. Professional Collection Services is in violation. 15 USC 1692b ( 2 ) not state that such consumer owe any debt. Professional Collection Services stated I didn't respond to any of their contact attempts. 15 USC 1692a. communication with the consumer generally Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 USC 1692c ( 1 ) at any unusual time or place or a time or place known or which should be known to be inconvenient to the consumer. Professional Collection Service called me at an unusual time they are in fact a violation.
04/07/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account information incorrect
  • AL
  • 352XX
 Web
Please disregard the submission from XX/XX/2020 To Whom It May Concern : I have recently been informed that there is negative information reported by Professional Collection Services in the file you maintain under my Social Security number. Upon reviewing a copy of my credit report, I see an entry listing I owe {$55.00}. I challenge the accuracy, compliance and reportability of this listing. Please validate this information with and provide me with copies of any documentation associated with this account, bearing my signature. In the absence of any such documentation bearing my signature, I formally request that this information be immediately deleted from the credit file you maintain under my Social Security number. Please note that you have 30 days to complete this investigation, as per the Fair Credit Reporting Act Section 611 ( a ) ( 1 ) ( A ), and I am keeping careful record of your actions, including your Method of Verification. I do not consent to e-oscar or any means of automated verification. Failure to respond satisfactorily with 30 days of receipt of this certified letter may result in a small claims action against your company, seeking {$1000.00} per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violations of the Fair Credit Reporting Act P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release including documentation of any potential small claims action. Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : XXXX XXXX XXXX Sincerely, XXXX XXXX
11/16/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NV
  • 89129
 Web
THE COMPANY, PROFFESIONAL COLLECTIONS SERVICES, PURCHASED A DEBT FROM ANOTHER COMPANY AND I HAD NO INVOLVEMENT WITH THE TRANSACTION. ACCORDING TO 15 USC 3002 I AM AN NATURAL PERSON WHICH MEANS MY NAME IN ALL CAPS NOT ME. MY NAME IS XXXX XXXX. 15 USC 1692 ( A ) ( 1 ) The term Bureau of Consumer Financial Protection. XXXX, XXXX, XXXX, and XXXX are assumed to be credit bureaus and there is only one Bureau and that is the Consumer Financial Protection Bureau. On XX/XX/XXXX, Congress enacted HJR- 192 to suspend the gold standard and to abrogate the gold clause. This resolution declared that whereas the holding or dealing in gold affect the public interest and are therefore subject to proper regulation and restriction ; and whereas the existing emergency has disclosed that provisions of obligations which purport to give the obligee a right to require a payment in gold or a particular kind of coin or currencyare inconsistent with the declared policy of congressin the payments of debts. This resolution declared that any obligation requiring payment in gold or a particular kind of coin or currency which at the time of payment is legal tender for public and private debts. 15 USC 1681 ( 3 ) ( E ) ( e ) The term investigative consumer report means a consumers report or portion thereof in which information on a consumers character, general reputation, personal characteristics mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others he is acquainted or who may have knowledge concerning any such items of information.
11/01/2018 Yes
  • Debt collection
  • Mortgage debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 319XX
 Web
This problem with this company has been going on for quite a while with professional collection company in XXXX, Ga. i was forced to sign an agreement with the previous company XXXX XXXX. I was told back in XX/XX/2012 i could have my wages garnished or if i dont pay itll hurt my credit. The company tried to accuse me of breaking stuff in the apartment that they knew was already broken and things i took pictures of. The company wouldnt come fix the door locks until after i called several times and i stayed by myself. The duplex flooded from the dishwater not turning off and the heater in the duplex smelled as if it was burning when i turned it on and someone tried to break in through the back door that needed fixing. XXXX XXXX agreed that they would lower the balance after i told them how i was treated and my horrible experience. XXXX XXXX XXXX said they wont change the balance from {$1300.00} to {$1000.00} until i pay for it. They have NOT SENT/provided any documentation about the debt being mine. The debt is not mine considering the horrible service they put me through and the fact i was told that i could leave the duplex after giving ample time to fix problems. I dont owe professional collection due to the fact the debt was sold, its false and they havent provided documentation after Ive filed SEVERAL disputes. This is preventing my daughter and i from moving. We will be homeless if this is not removed. Not to mention Ive contacted this company over the last 4 1/2 Years trying to get this removed.
05/05/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 36867
 Web
XXXX XXXX REFYSED TO RENEW OUR LEASE IN XX/XX/XXXX DURING COVID19 AFTER WE RWPORTED THEM TO HUD AND TO THE XXXX XXXX XXXX XXXX INSPECTORS FOR LIVING IN AN UNINHABITABLE HOME. BEFORE WE WENT TO COURT IN XX/XX/XXXX WE CALLED THE MANAGER OF XXXX XXXX AND TOLD HER WE HAD ALL THE MONEY PLUS LATE FEES TO CATCH US UP PLEASE RENEW OUR LEASE. SHE SAID NO WE DONT HAVE TO RENT TO YOU. THE JUDGE TOOK INTO ACOUNT THAT WE FIXED THE HOUSE UP AND TOOK A BUNCH OFF THE TOTAL LEAVING A BALANCE OF {$2200.00}. SHE REPORTED THE INFORMATION TO ALL 3 CREDIT AGENCIES. XXXX TOOK IT OFF IN XX/XX/XXXX BECAUSE XXXX XXXX IS REPORTED THE WRONG INFORMATION SAYING I OWE {$6200.00}. XXXX AND XXXX HAVE NOT. I HAVE BEEN DISPUTING THIS SINCE XXXX WITH BOTH XXXX AND XXXX STILL TO THIS DAY. I HAVE TALKED TO XXXX XXXX AND THEY REFUSE TO TAKE IT OFF AND SAID THEY WOULD MAKE SURE I WOULD NEVER BE ABLE TO RENT OR BUY A HOME AGAIN. TGEN TODAY XX/XX/XXXX MY HUSBAMD AND I TALKED TO PROFESSIONAL COLLECTION THAT HAS THE ACCOUNT TO XXXX XXXX AND SHE SAID AND I QUOTE ... ... '' WE DONT HAVE TO VERIFY THE INFORMATION ON THIS ACCOUNT BECAUSE WE HAVE A CONTRACT WITH XXXX XXXX '' THIS Was SAID AFTER I ASKED PROFESSIONAL COLLECTION HOW THEY VERIFIED MY DEBT TO XXXX AND XXXX NOW DUE TO PROFESSIONAL COLLECTION NOT VERIFYING DEBT AND XXXX HXXXX FOR REPORTING THE I CORRECT AMOUNT, AND FOR XXXX AND XXXX NOT LOOKING ON BOTH SIDES. I AM UNSURE IF I WILL BE ABLE TO GET A MORTGAGE NOW.
04/13/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31210
 Web
A notice was placed on my consumer report that I owe Professional Collections Services {$3500.00}. I have never done business with this company before and I never authorized nor consent for anything to be furnished on my consumer report. From the research that I have done, Professional Collection Services is a third-party Collection Agency. According to 15 U.S.C 1692 FDCPA, Noone is allowed to have or purchase my information without my consent. This is an infringement upon my right to privacy. Nothing should be on the consumer report that will ruin my reputation, deny me credit, or a way of living. According to 15 U.S. C 1681a ( d ) Consumer Report. ( 1 ) In General- The term " consumer report '' means any written, oral, or other communication of any information by a consumer 's creditworthiness, credit standing, credit capacity, general reputation, personal characteristics, or mode of living is used or expected to be used in whole or in part for purpose of serving as a factor in establishing the consumer 's eligibility ( 2 ) Exclusions. -- the term " consumer report does not include ( B ) any authorization or approval of a specific extension of credit directly or indirectly by the issuer of a credit card or similar device. This collection, Professional Collections Services placed on my consumer report is a violation and is an exclusion that does not belong on my consumer report.
09/23/2019 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • XXXXX
 Web
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX Professional Collection Account Number # XXXX This CFPB Complaint is to formally advise you that I believe your company has violated several of my consumer rights. Specifically : You failed to validate a debt at my request, which is a FDCPA violation and you continued to report a disputed debt to the Credit Bureaus : and FCRA violation Not only have you ignored my prior request for validation of debt but you continue to report this debt to the credit bureaus, causing damage to my character. This CFPB compliant will again request that you follow the FDCPA and please provide the following : -Proof of your right to own/collect this alleged debt -Balance claimed including all fees, interest and penalties -Contract bearing my personal signature As you may be aware, " Estoppel by Silence '' Legally means that you had a duty to speak but failed to do so, therefore, that must mean you agree with me that this debt is false. I will use the Estoppel in my defense. I expect to receive the proof requested above within 15 days of this compliant. Should you ignore my request for validation of debt I reserve the right to sue you company for violations of my consumer rights as specified under both the FDCPA and the FCRA. I may also seek damages from you if warranted Kind Regards, XXXX XXXX XXXX
08/15/2019 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31907
 Web
A new compliant in response to CFPB Compliant # XXXX to the response from Professional Collection Service Inc ( GA ) on XX/XX/XXXX. I never received any correspondence from you in XXXX via-mail which you claimed you provided me a 30 day validation notice which provides me the legal right to dispute a debt that is not mines. Secondly you are a debt collections or third party vendor who is trying to collect money from me illegally without a contract ever being established with your company. According to the FDPA states that without a contract I don't owe your company any money Legally.Which is a complete violation of the FCRA section 609 because you are reporting inaccurate information onto my credit report as an illegal company that I have not established a contract with and that is a defamation to my character as a consumer. Also in the previous response you stated that you were sending me validations of the alleged debt of XXXX. Please be advised that according to the FDPA BILL STATEMENTS or Receipts are not Legal Debt verifications and you must provide me with documentation or a contract with my signature to make it a legitmate debt that I owe. Also by HIPPA Standards you are not suppose to have any access to my medical records
08/23/2021 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AP
  • XXXXX
 Web Servicemember
I was a tenant at XXXX XXXX XXXX, at the time owned by XXXX XXXX. I completed my move out inspection and was told that I did not own anything. I am active military, so upon my departure by way of change of station, the called to make sure that I was halfway across the country to do another " inspection '' and added a list of charges long after my departure. XXXX XXXX later told me that they will remove the debt after Intold them what happened and they found my original move put inspection. However, they sent the fraudulent debt to a collection agency " PROFF COLL '', and XXXX no longer own the property. When I called to figure out why it was on my credit report, the current owners told me that XXXX no longer owns the property and that they do not have any record of my account. I believe this fraudulent debt should be removed from my credit report. My credit score is above 800, even with this fraud, and I make over XXXX XXXX. Therefore, I would not let a {$390.00} debt sit in collections if it was valid and I actually owed it. If it was actually my responsibility, it would have been paid long ago before it became past due.
06/16/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 35022
 Web
I discovered multiple inaccurate accounts reporting after checking my credit report on XX/XX/2023. These companies received documentation that these were erroneous charges being reported due to identity theft and still did not act to remove the accounts/funds in question from my credit report ; this has caused emotional strain and has been highly time-consuming for me to continue to request that these accounts be removed. I want penalties against the companies involved for failing to investigate identity theft claims and for the emotional stress this experience has caused. The following companies were unable to verify the information given to them : XXXX Account # : XXXX Past Due Balance : {$100.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1300.00} XXXX XXXX Account XXXX : XXXX Balance : {$0.00} XXXX XXXX Account XXXX XXXX XXXX Balance : {$0.00} XXXX Account # : XXXX Balance : {$31000.00}
02/05/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36116
 Web
I am writing to report a scam and fraud which collect|on from PROFESSIONAL COLLECTION. XXXX XXXX XXXX XXXX XXXX XXXX. GA XXXX with the amount of {$960.00}. This correction agency should check make sure they are customer not involve scam and fraudulent invoice 's, I am a vlctim of unrendered services provided by the property management company called XXXX. XXXX was In charge of renovating the property for a prospective tenant. However, they sent the false Invoices, and clalmed that they rendered services as they promised. I disputd the amount which XXXX claimed that I owed, also I requested XXXX for addltlonal evldence like contract who does the work ( contractor 's ). since then, I did not hear from owner or manager who Handel this matter.
05/12/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 31792
 Web
I have contacted professional collection service as well as the credit bureaus about the validity of this debt. I received a one page lease agreement that clearly shows at the bottom right 8 pages should be attached. I show only 2 payments were ever made so I dont even see a complete billing statement, proof of deposits or anything else. I asked for this information repeatedly as well as if this debt was verified by someone that has the credentials to do so and have not received a response. This is a violation to report inaccurate, unsupported, and unproven information and I would like it removed. I will attached copies of what I was sent and it was not a full lease or a full payment ledger.
11/26/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30350
 Web
This complaint is regarding account information below that has not been investigated and no information given. Its been over 2 months with no information given to me regarding these accounts. I have no knowledge of these companies and they shouldnt be reporting as I never gave permission for the reporting per Section 1681a -I sent correspondence to the Credit Bureaus regarding this. I was never notified in writing per 15 U.S.C 1692ag prior to accounts being on my credit report, within 5 days. Moreover, these accounts violate debt collections, and abusive and unfair practices per section 1692f ( 1 ) adding additional amounts.
07/06/2021 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • SC
  • 29681
 Web
On XX/XX/2021 at XXXX EST I received a call from XXXX. Not recognizing the phone number, I did not pick up my phone. There was a voicemail, but no one was speaking. It was a 9 second voicemail with no talking. A few minutes later, my father in law called me to tell me that XXXX with Professional Collections called looking for me about a debt I owe, and to call XXXX back. XXXX had no right to tell my father in law where she worked and why she was calling. She can only verify certain information, and that certainly wasnt it. They have broken the law.
10/19/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31907
 Web
XXXX XXXX XXXX XXXX XXXX XXXX, Ga XXXX. Sold my medical information to Professional Collection Service Inc XXXX XXXX XXXX. XXXX XXXX XXXX, GA XXXX, ,and did not provide me a HIPPA release that releases my medical information, therefore by providing such information they are in violation of my HIPPA rights. I am proceeding with legal action as prescribed by law against the above named orginal creditor/collection agency should this item not be deleted within the requied time by law. XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX Account # XXXX
02/09/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 31525
 Web
I paid professional collection on XX/XX/2022 the amount of {$560.00} and spoke with the representative name XXXX. She assured me that the company would remove the collections on my account since I paid it in full. Well today is XX/XX/2022 and the collections still havent been removed. I have contacted XXXX several times and she has reassured me they would try to report it again as paid full and to request for the bureaus to remove the item off my credit report nothing has happened in over a month.
10/23/2018 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • GA
  • 30116
 Web
On XX/XX/2018, I received a collection notice from professional collections of XXXX, Georgia, for the amount of {$2700.00}. I have asked for a validation letter from them and they have refused to send me one. I have also spoken with the armour landing apartments landlord. She has said numerous times that the debt was to be split between the 3 people on the apartment lease. Professional collections has said that I will have to pay the amount to be collected within 2 months.
05/29/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NJ
  • 08527
 Web
I looked over my credit report and noticed this company was on my report for a {$560.00} from XXXX XXXX XXXX XXXX. I have no recollection of this debt and I requested verification and a PFD as this being on my credit report is affecting me negatively and theres NO proof it is mine. The company has not responded to any written correspondence Ive sent and has never sent me any proof that this debt is valid.
04/20/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30228
 Web
I have collection on my account has been placed on my account from Professional collections. I have know knowledge of this account and I have asked them send me information regarding this account. But i have not gotten any response or a letter stating that i owe this debt. Please remove this off my my credit report.
06/28/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30350
 Web
Per tracking, Its been XXXX months. No information given. Accounts unknown. Ignored investigation. Violates 15 USC 1692efg and 1681a never authorized or given permission for accounts report. On Copy, XXXX Attorney General and FTC
09/03/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31907
 Web Servicemember
XX/XX/XXXX PROFESSIONAL COLLECTIon {$340.00} XX/XX/XXXX PROFESSIONAL COLLECTION {$400.00} I have sent letters to the credit companies and to the collections companies have spoken to the companies not actions has been taken
04/10/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IN
  • 467XX
 Web
According to the creditor, I owe on an apparent. I never lived there and never took a position and it is a result of Identifying theft. The address not even on my credit report and was also removed as fraud.
03/21/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • AL
  • 35215
 Web
This debt has been paid in full since XX/XX/2019 and it still shows on my credit as a negative mark, and does not display a status. According to S10 15 U.S.C 1681h
06/28/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • VA
  • 23663
 Web
04/07/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • MA
  • 02639
 Web
01/30/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 35040
 Web
08/09/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 31063
 Web
06/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • GA
  • 31063
 Web
04/29/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31907
 Web
03/15/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 31907
 Web
01/02/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • AL
  • 35040
 Web
11/26/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • GA
  • 31907
 Web
05/27/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36106
 Web
05/06/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31210
 Web
04/20/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • GA
  • 31907
 Web Servicemember
04/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30038
 Web
03/10/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31904
 Web
03/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 31904
 Web
10/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • AL
  • 35758
 Web
08/13/2020 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • GA
  • 31906
 Web
01/11/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • AL
  • 36830
 Web
09/24/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • AL
  • 35133
 Web
08/10/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Personal information incorrect
  • GA
  • 31907
 Web
06/26/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30257
 Referral
05/17/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 33710
 Postal mail
01/22/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 31907
 Web Servicemember
03/26/2017 No
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 31907
 Web
02/06/2017 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31216
 Web
07/11/2016 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • GA
  • 30240
 Web