11298080
|
2024-12-27
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Rental debt
|
Date Received |
2024-12-27
|
Submitted Via |
Postal mail
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-27
|
Consumer Consent Provided |
N/A
|
|
11164771
|
2024-12-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Rental debt
|
Date Received |
2024-12-15
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-15
|
|
11074044
|
2024-12-09
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2024-12-09
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-09
|
Complaint What Happened |
in XXXX, I sent a debt validation letter to Professional Debt Mediation Inc. regarding a {$2100.00} debt that appeared on my credit report. I requested proof of their right to collect the debt, a detailed account history showing how the balance was calculated, and a signed agreement verifying my obligation to repay. Despite this, they failed to provide sufficient validation to prove the legitimacy of the debt. The account remains on my credit report, which I believe is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ).
|
Consumer Consent Provided |
Consent provided
|
|
11034700
|
2024-12-05
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2024-12-05
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-12-05
|
Complaint What Happened |
XXXX, I sent a formal debt validation request to Professional Debt Mediation under the Fair Debt Collection Practices Act ( FDCPA ). The debt, reported on my credit profile with a balance of {$2100.00}, is listed as " In Collections/Charge-off. '' I specifically requested : Proof of legal ownership of the debt, including documentation of transfer from the original creditor.
A detailed, itemized breakdown of the balance, including fees, interest, and charges.
A signed agreement verifying my obligation to repay the debt.
As of today, I have not received any of the requested documentation.
Without this information, the debt remains unvalidated, and I do not acknowledge responsibility for it. Additionally, the debt is inaccurately reported under both my name and my spouses name, which raises concerns about misreporting and errors. Their failure to provide the required information and potential inaccuracies in reporting violate the FDCPA and the Fair Credit Reporting Act ( FCRA ).
|
Consumer Consent Provided |
Consent provided
|
|
738216
|
2014-02-28
|
Disclosure verification of debt
|
Debt collection
|
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-02-28
|
Submitted Via |
Referral
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-04-19
|
Consumer Consent Provided |
N/A
|
|
863192
|
2014-05-21
|
Communication tactics
|
Debt collection
|
|
Issue |
Communication tactics
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Threatened to take legal action
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2014-05-21
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2014-05-23
|
Consumer Consent Provided |
N/A
|
|
4110808
|
2021-02-02
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
Issue |
Took or threatened to take negative or legal action
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Seized or attempted to seize your property
|
Sub Product |
Other debt
|
Date Received |
2021-02-02
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-02-02
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Consumer Consent Provided |
Consent not provided
|
|
2955778
|
2018-07-06
|
Written notification about debt
|
Debt collection
|
|
Issue |
Written notification about debt
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Didn't receive enough information to verify debt
|
Sub Product |
Other debt
|
Date Received |
2018-07-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2018-07-06
|
Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
Complaint What Happened |
I have reviewed my personal credit report and noticed two accounts listed from Professional Debt. I have mailed two notices to the company requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay. My first letter was sent via XXXX certified mail on XX/XX/XXXX which they received on XX/XX/XXXX. I received no response so I sent a goodwill letter on XX/XX/XXXX received XX/XX/XXXX. I have yet to receive any communication.
|
Consumer Consent Provided |
Consent provided
|
|
7746240
|
2023-10-23
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Rental debt
|
Date Received |
2023-10-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-10-23
|
Complaint What Happened |
This is a follow up complaint to case submitted on XX/XX/2023. I submitted a complaint about this debt collector who purchased an illegal debt. I would like this matter further investigated as this debt is a false debt they are trying to collect. This matter was in court proceedings and their lawyer submitted a Dispositive ( Complete ) Withdrawal on XX/XX/2023 that states The Plaintiff 's action is WITHDRAWN AS TO ALL DEFENDANTS without costs to any party. Yet, they are making claims I owe for something in which I was not living nor residing in this unit during the times they are claiming. I am resubmitting proof that their attorney as agree I do not owe this debt. Please review attachments.
|
Consumer Consent Provided |
Consent provided
|
|
8000642
|
2023-12-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Rental debt
|
Date Received |
2023-12-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-12-14
|
Consumer Consent Provided |
Consent not provided
|
|
9801947
|
2024-08-14
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
Issue |
Problem with a company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Investigation took more than 30 days
|
Sub Product |
Credit reporting
|
Date Received |
2024-08-14
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2024-08-14
|
Consumer Consent Provided |
Consent not provided
|
|
7680529
|
2023-10-11
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Rental debt
|
Date Received |
2023-10-11
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-10-11
|
Complaint What Happened |
On XXXX my credit file was flagged with a collection or debt in the amount of {$1500.00}. This is a false debt as I do not owe this debt by no means.
Also, professional debt has a consent order in place from the State of CT indicating they are not licensed to act as a debt collector in the state of CT. Which they are in violation of this order. Which this consent order is attached to this case.
|
Consumer Consent Provided |
Consent provided
|
|
6397406
|
2023-01-04
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
I do not know
|
Date Received |
2023-01-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-01-04
|
Complaint What Happened |
PDM is trying to collect on an alleged debt that is not mines nor owed. Also, they are not licensed to collect any debt in my state of Connecticut which they continues to try and collect and report on my credit file. I have submitted supported evidence to support my claims yet they fail to acknowledge. PDM continues to violate my rights as a customer by doing so. You will see in the attachment to this complaint how they are violating my rights under section 36 ( a )
|
Consumer Consent Provided |
Consent provided
|
|
7763901
|
2023-10-26
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2023-10-26
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-10-26
|
Consumer Consent Provided |
Consent not provided
|
|
2425985
|
2017-04-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2017-04-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-04-08
|
Consumer Consent Provided |
Consent not provided
|
|
6366653
|
2022-12-27
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
I do not know
|
Date Received |
2022-12-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-12-27
|
Consumer Consent Provided |
Consent not provided
|
|
7739232
|
2023-10-23
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Credit reporting or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2023-10-23
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-10-23
|
Consumer Consent Provided |
Consent not provided
|
|
2426124
|
2017-04-08
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
Issue |
Cont'd attempts collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not mine
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2017-04-08
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2017-04-08
|
Consumer Consent Provided |
Consent not provided
|
|
4777136
|
2021-10-04
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Indicated you were committing crime by not paying debt
|
Sub Product |
Other debt
|
Date Received |
2021-10-04
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-10-04
|
Complaint What Happened |
I was told never to communicate with debt collectors so I haven't.
Professional Debt Mediation is one of a list of past debt collectors who've handled a debt from an apartment I had years ago. They have changed the date of the debt reporting every few months so it won't fall off my credit report. This debt is the same debt from years ago and I believe it's already too old to continue being reported.
|
Consumer Consent Provided |
Consent provided
|
|
6447932
|
2023-01-17
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2023-01-17
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-01-17
|
Complaint What Happened |
My last attempt was made XX/XX/2023 PDM was sent a cease and desist notice in the regards of this debt. I have made many attempts to show PDM I do not owe any alleged on many different occasions. They continue to submit documents which doesnt show I owe any debt I allegedly. I have sent this company proof payments and have also uploaded them into this system as well. They can not fully verify this alleged debt. Submitting amounts isnt verification of any debt or a statement that states I owe any debt isnt a form of verification or verifying I owe any debt. Which is required for any debt collector to verify all alleged debts. Lastly, PDM isnt even licensed to act as a debt XXXX in my state. This will be my last attempt or I have to seek legal action on this debt collector.
|
Consumer Consent Provided |
Consent provided
|
|
5259641
|
2022-02-25
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2022-02-25
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-02-25
|
Complaint What Happened |
On different dates I have reached out to this company rto dispute this inaccurate information. Once this debt collector requested for me to send the poof this debt was not mines and I did not own any balance which I was able to verify but yet they are claiming this debt is mines. Which they are falsely reporting this information on my credit report. In the past month I again disputed this claim and yet they are trying to verify this debt is mines when it is not.
|
Consumer Consent Provided |
Consent provided
|
|
5610777
|
2022-05-27
|
Improper use of your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Improper use of your report
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Reporting company used your report improperly
|
Sub Product |
Credit reporting
|
Date Received |
2022-05-27
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-05-27
|
Consumer Consent Provided |
Consent not provided
|
|
4765303
|
2021-09-29
|
False statements or representation
|
Debt collection
|
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other debt
|
Date Received |
2021-09-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-09-30
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
I made serval attempts to resolve this matter with this debt collector yet, they continue to false report inaccurate information.
|
Consumer Consent Provided |
Consent provided
|
|
6329434
|
2022-12-16
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
I do not know
|
Date Received |
2022-12-16
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-12-29
|
Consumer Consent Provided |
Consent not provided
|
|
7199730
|
2023-07-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt is not yours
|
Sub Product |
Other debt
|
Date Received |
2023-07-03
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-07-03
|
Complaint What Happened |
On XX/XX/XXXX, I received a phone call from Professional Debt Mediation INC. regarding an unpaid move out debt that I was not aware of. At this time they had placed a collection on my credit on XXXX XXXX XXXX for the amount of {$440.00}. Their initial letter was sent to my fathers address, but he did not hold onto the letter. After a brief discussion with them, I was informed that this was on all former tenants credit. The original creditor made a single attempt to contact me in XXXX XXXX XXXX, but did not make any additional attempts. After asking for the proof of debt, they emailed my a small document holding a single vague receipt of what I owed. After asking them to clarify and to provide any additional proof, i.e. itemized list or pictures, they were unable to. I then sent a dispute letter to them on XX/XX/XXXX requesting some additional information about the debt, and more information about their company. I received a letter back on XX/XX/XXXX containing the same contents of the email, with no further questions answered. It seems to me that there is insufficient evidence that I owed the original creditor anything to begin with. Upon further investigation, It was found that this company does not have the license to practice collecting in my current state of Connecticut, and a complaint to my state attorney general has already been made.
|
Consumer Consent Provided |
Consent provided
|
|
5685414
|
2022-06-18
|
Problem with a credit reporting company's investigation into an existing problem
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Problem with a credit reporting company's investigation into an existing problem
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Their investigation did not fix an error on your report
|
Sub Product |
Credit reporting
|
Date Received |
2022-06-18
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2022-06-18
|
Complaint What Happened |
I spoke to an XXXX dispute rep today as well as a supervisor about an account that are still reporting inaccurately on my consumer report. I also explained that the accounts should be deleted as they are inaccurate. Account # XXXX - Prof Debt Mediation let me know they could not verify the debt so they requested to delete the trade-line. XXXX and XXXX have deleted Professional Debt Mediation. Yet, XXXX has not. Also, while on the phone with a supervisor explaining this at XXXX, I was hung up on. This is far from okay and I will be seeking out a lawyer to address the violations.
|
Consumer Consent Provided |
Consent provided
|
|
4172166
|
2021-02-28
|
False statements or representation
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
False statements or representation
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Attempted to collect wrong amount
|
Sub Product |
Other debt
|
Date Received |
2021-02-28
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2021-02-28
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
XX/XX/2021 Professional Debt Mediation, has placed two ( 2 ) accounts on my report and they are duplicates with different amounts and false amounts. Inaccurate information is being reported on my credit report from this co.
|
Consumer Consent Provided |
Consent provided
|
|
3266170
|
2019-06-06
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
Issue |
Incorrect information on your report
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Credit reporting, credit repair services, or other personal consumer reports
|
Sub Issue |
Information belongs to someone else
|
Sub Product |
Credit reporting
|
Date Received |
2019-06-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2019-06-11
|
Company Public Response |
Company believes it acted appropriately as authorized by contract or law
|
Complaint What Happened |
XXXX and XXXX will not delete collection account after i have told them constantly this account does not belong to me.
Professional Debt ME
|
Consumer Consent Provided |
Consent provided
|
|
8077656
|
2023-12-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
Issue |
Attempts to collect debt not owed
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Debt was paid
|
Sub Product |
Rental debt
|
Date Received |
2023-12-29
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
N/A
|
Date Sent To Company |
2023-12-29
|
Consumer Consent Provided |
Consent not provided
|
|
1451962
|
2015-07-06
|
Disclosure verification of debt
|
Debt collection
|
|
Tags |
Servicemember
|
Issue |
Disclosure verification of debt
|
Timely |
Yes
|
Company |
Professional Debt Mediation, Inc.
|
Product |
Debt collection
|
Sub Issue |
Not given enough info to verify debt
|
Sub Product |
Other (i.e. phone, health club, etc.)
|
Date Received |
2015-07-06
|
Submitted Via |
Web
|
Company Response |
Closed with explanation
|
Consumer Disputed |
No
|
Date Sent To Company |
2015-07-08
|
Consumer Consent Provided |
Consent not provided
|
|