Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:04/21/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am writing to formally dispute the account listed under account number PROF DEBT - 541100****, which appears on my credit report. This account was opened without my authorization and is the result of fraudulent activity. I have no knowledge of this account, nor did I apply for or consent to any agreement with PROFESSIONAL DEBT MEDIAT. Pursuant to the Fair Debt Collection Practices Act, specifically 15 U.S.C. § 1692g, I am exercising my right to request validation of this alleged debt. I have not received any documentation, such as a signed contract or a court judgment, that substantiates the validity of this account or proves that I am legally obligated to repay it. Without a legitimate, binding agreement bearing my signature, this account is not valid and should not be associated with my credit profile. Therefore, I request the immediate removal of this fraudulent account from my credit report and an immediate cessation of any collection efforts. If you are unable to provide full and proper validation within 30 days of receiving this notice, you are legally required to delete this account from my credit file and cease all further collection actions. Please confirm receipt of this letter and provide written confirmation of the steps you will take to address this matter.

  Business Response

  Date: 04/24/2025

  Please find attached the documentation from our client regarding the debt owed to our client by *** ******** inclusive of the contract he signed, the charges owed, the application, and a copy of the picture ID given to them. Our client is adamant this debt is owed. 

  Please note, *** ******** does not owe a debt to PDM. We are a third party who represent the management and owners of ******** ***** Apartments in the attempt to recover debts owed to them and report debts on their behalf to the credit bureaus. *** ******** may feel free to contact the original creditor to verify our agreement and/or pay the debt.

  If this is not *** ******** and it is a case of ID theft, we will need an affidavit of fraud and/or a police report along with a legible copy of his valid picture ID. If this is an oversight on his part and he would like to resolve the debt, *** ******** may feel free to contact us at 888-676-9872. We may be able to assist him in negotiating a lump settlement with our client on his behalf and the removal of the debt from his credit after it is paid. 

• Initial Complaint

  Date:04/11/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This collection agency has not provided me with signed and dated documentation verifying that I have/had an account with them. I stated numerous of times in written form and online with the CFPB that I am not responsible for this debt! This account was removed with Experian and Equifax but somehow seem to be dragging its feet with TRANSUNION!. This account reporting violates my consumer laws under 15 USC 1681i, 15 USC 1681n, and 15 USC 1681(e)(b) and does not meet Metro 2 Compliance as well. Its hurting me report and preventing me from buying a home for me and my children! This company has already been sued for violating such rights and etc. I would like this collection account removed at your earliest convenience! Name: Professional Debt Mediation Account number: *********** Credit Reporting Agency: TRANSUNION

  Business Response

  Date: 04/16/2025

  Please find attached the documentation from our client regarding the debt owed to them by *** ****** inclusive of the amount owed, the contract signed, the application she submitted and a copy of the picture ID she gave our client. Please note, this information was sent to her on 7/28/2023 and 2/24/2025 in response to the disputes she filed with the credit bureaus. The picture ID seems to be the same as the one she has attached to this complaint.

  We are unaware of why the debt would have been removed from any of the credit bureaus as our client is adamant this debt is owed and we have provided validation for such. 

  If *** ****** is interested in resolving this matter, she may feel free to contact us at 888-676-9872. We may be able to assist her in negotiating a lump settlement with our client on her behalf and the removal of the debt from her credit after it is paid.

• Initial Complaint

  Date:03/10/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with WOODCLIFF ESTATES . I do not have a contract with PROFESSIONAL DEBT MEDIATION, they did not provide me with the original contract as i requested.

  Customer Answer

  Date: 03/11/2025

  .

• Initial Complaint

  Date:03/10/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Im alerting the BBB because Ive been trying to clear incorrect information reported on my credit report. I have physically went into the office and called the original creditor: Lakes at ********** and was told that the information associated with my rental account had been lost and or compromised due to the property manager being no longer employed. Their company was unable to verify the debt however they still sold the account to **********************. According to 15 U.S.C. 1681e(b), consumer reporting agencies and furnishers of information must ensure maximum possible accuracy in the reporting of information. Additionally, under 15 U.S.C. 1681i(5), if the disputed information cannot be verified, it must be promptly deleted from my credit report. Im requesting this account be immediately deleted and removed from my credit report. Thank you for your assistance.

  Business Response

  Date: 03/24/2025

  After discussing Mr. ******* complaint with our client, they have agreed to have us close his account and remove it from his credit. We have submitted a request to the appropriate credit reporting databases to do the removal. Please allow ***** days to see this reflected on his actual credit bureau report. 

  For the record, PDM did NOT purchase Mr. ******* debt. Our attempts to recover the debt and place it with the credit bureau is done on behalf of our client.

• Initial Complaint

  Date:02/27/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 0* *** ****** and I do not have a contract with PROFESSIONAL DEBT MED plus they did not provide me with the original application like I asked. ******* *** ***********  Amount Disputed: $3,342.00

  Business Response

  Date: 03/05/2025

  Please find attached the documentation from our client regarding the debt owed to them by *** ******. This information was previously sent to her on 10/25/2021 and 7/5/2022. *** ****** also contacted our office, via phone on 11/15/2021, wanting to know how much our client would accept as a settlement.

  We acknowledge the fact we do not have a contract with *** ******. Our agreement is with the management and owners of *** ****** apartments. it is not uncommon for companies, including the government, to utilize collections and/or credit reporting companies to assist them in recovering debts owed to them. PDM did not purchase *** ******'s debt. Our attempts to recover the debt and report it to the credit bureaus in done on behalf of our client. *** ****** may feel free to contact the original creditor to verify our agreement and/or pay the debt.

  If *** ****** is interested to resolve the debt at this time, she may feel free to contact us at 888-676-9872. We may be able to assist her in negotiating a lump settlement with our client on her behalf and have the debt removed from her credit after it is paid.

• Initial Complaint

  Date:02/26/2025

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with ****** ***** ************, I do not have a contract with Professional Debt ME, they did not provide me with the original contract as I requested

  Business Response

  Date: 03/05/2025

  Please find attached the documentation from our client regarding the debt owed to them by *** ********. Please note, this information was sent to him, via mail, in response to the certified letter we received from him on 9/17/2024. He did not receive a response.

  We acknowledge the fact we do not have a contract with *** ********. Our agreement is with the management and owners of ****** ***** apartments. It is not uncommon for companies, including the government to utilize collections and/or credit reporting companies to assist them in recovering debt owed to them. PDM did not purchase this debt. Our efforts to attempt recovery or the debt and place it with the credit bureaus is done on behalf of our client. *** ******** may feel free to contact the original creditor to verify our agreement and/or pay the debt. 

  If *** ******** is stating this is fraud, we will need him to provide us an affidavit of fraud and/or a police report status such along with a legible copy of his picture ID. If it is simply an oversight and he would like to resolve the matter, he may contact us at 888-676-9872. We may be able to assist him in negotiating a lump settlement with our client on his behalf and the removal of the debt from his credit after it is paid.

• Initial Complaint

  Date:02/25/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I disputed an inaccurate debt that is said is owed to Professional Debt Mediation. I have no knowledge of this debt, nor does it show up on either on of my other credit reports. I have again and again to have this inaccuracy removed as it is causing me trouble. I have asked for debt validation and more and never received it. I need this matter to rectified.

  Business Response

  Date: 03/05/2025

  Please find attached the documentation from our client regarding the debt owed to them by *** ********. We have also sent a copy of the paperwork we received from Consumer Direct wherein *** ******** offered a settlement to resolve the debt. 

  Please note, the attached documentation was sent to *** ******** a minimum of twice in the past. We also responded to her request for settlement, which was received on 11/16/2023, on 11/17/2023 advising her the offer was accepted. There was no response from her. 

  The information submitted clearly proves *** ******** was aware of her obligation to our client. If this was an oversight on her part and she now wants to resolve the matter, *** ******** may feel free to contact us at 888-676-9872. We may be able to assist her in negotiating a lump settlement with our client and the removal of the debt from her credit report after it is paid.

   

   

   

   

• Initial Complaint

  Date:02/24/2025

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I do not find this debt to be valid. I lived innthe complex for over a year. Even renewed a second lease with them fully planning to stay. 2 months into my second lease, my father had a heart attack and I had to leave the complex. I explained the situation to the office, and the lady who was filling in at this complex at the time, as they own a few complexes in the area of ************, stated to pay march rent (which i did) and as long as the complex was rented out and they could find a tenant. I would not be responsible for any other charges. She even gave me a form to sign. Ive provided this numerous times to the office when I noticed something that hit my credit. I made numerous attempts to contact the apartment complex Oaks at ********. They would never provide documentation, always were out of the office and no office personal would take my calls, respond to my emails or help me when I went to the physical office. I sat in there for hours at one point. They also would not provide my file nor the form I signed in march 2023. I called back early April to even try to return to the complex and she said that all 3 bedrooms were rented out so I know it was rented behind me. Not too mention this amount is absurb. Even with calculations, the $6600 some odd dollars Oaks at ******** or professional debt is attempting to collect is NOT 2 months worth of rent that is normally collected. It's also 2.5 times that. That's a dispute in itself. Ive attempted and asked for proof of debt letter, not received anything originally. This whole situation is a scam. Requesting for this to be completely removed , deleted and taken off all three credit beureas that you are reporting this. The professionalism in this situation is lack there of.

  Business Response

  Date: 03/05/2025

  After discussing Ms. ******** complaint with our client, they have advised they have advised us they have reduced the balance to $140. This amount was paid to them by Ms. ****** on 2/28/2025. Our client has also request we remove the debt from her credit. A request has been sent to the appropriate credit reporting bureaus to do so. Please allow ***** days to see this reflected on her actual credit bureau report.

  Customer Answer

  Date: 03/05/2025

  [To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

   Complaint: 22976382

  I am rejecting this response because: this was not a valid debt. 

  I feel this should be removed immediately, aa it was something that was found to nit be accurete whatso . not ***** days. 

   

  Regards,

  ******** ******

• Initial Complaint

  Date:02/18/2025

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Debt Validation Request Date: February 15, 2025  Professional Debt Mediation, Inc. **** ******* *** ***** *** ************, FL 32256 Office: ************ Email: *************** CC: • Better Business Bureau (BBB) •  • Federal Trade Commission (FTC) Subject:   Dear Professional Debt Mediation, I am disputing and requesting validation of the alleged debt associated with: • Account Number: xxxxxxx**** • Date Opened: November 7, 2022 • Balance: $18,845 As per ** ****** * *****, I request the following: 1. Name and address of the original creditor. 2. Chain of assignment proving your authority to collect. 3. Signed contract obligating me to pay this debt. 4. Itemized breakdown of the balance, including fees and interest. 5. Proof that the debt is within Florida’s statute of limitations. Until validation is provided, cease all collection activities, including credit bureau reporting, under ***** * *******). Failure to respond within 30 days will result in complaints filed with the ***** ***, BBB, and legal action under ***** * *****. Attachments: 1. FTC Identity Theft Report (Case #*********) 2. Proof of ID and address Sincerely, ******* ****** ******** Phone: ************ Email: *********************

  Business Response

  Date: 02/18/2025

  Please find attached the documentation from our client regarding the debt owed to them by Mr. ******** inclusive of the charges owed, the application he submitted and the lease contract he signed. It is important to note, we spoke with Mr. ******** regarding this debt, on 1/14/2021, wherein he acknowledged the debt and wanted to make arrangements to resolve it.

  The name of the original creditor is listed on the contract he signed. We are not obligated, by law, to disclose our agreement with our clients. It is not uncommon for companies, including the government, to utilize collection and/or credit reporting companies to assist them in recovering debt owed to them. PDM did not purchase Mr. ********'s debt. Our efforts to resolve the debt and report it to the credit bureaus is done on behalf of our client. Mr. ******** may feel free to contact the initial creditor to verify our agreement and/or pay the debt. The status of limitation is only relevant if our client intend to pursue legal action to resolve the debt. They do not intend to do so. 

  If Mr. ******** is interested in resolving this debt, he may feel free to contact us at ************. We may be able to assist him in negotiating a lump settlement with our client on his behalf and the removal of the debt from his credit after it is paid.

   

• Initial Complaint

  Date:02/03/2025

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am not liable for this debt with 09 ******* ****** *** and I do not have a contract with PROFESSIONAL DEBT MED plus they did not provide me with the original application like I asked. Account No: ********** Amount Disputed: $7,065.00

  Business Response

  Date: 02/04/2025

  We will send the documentation from our client via a separate email as the file is too large to attach to our response. It will include the application submitted, the contract Ms. ******* signed and pictures of the condition the apartment was left in after she vacated. Please note, this information was sent to her at least three separate occasions on receiving her dispute letter and the disputes she filed with the credit bureaus.

  We acknowledge the fact we do not have a contract with Ms. *******. Our agreement is with the owners and management of ******* ****** Apartments. It is not uncommon for companies, including the government, to utilize collections and/or credit reporting companies to assist them in recovering debts owed to them. PDM did not purchase Ms. *******'s debt. Our efforts in attempting to collect the funds owed and reporting it to the credit bureaus is done on behalf of our client. Ms. ******* may feel free to contact the original creditor to verify our agreement and/or to pay the debt.

  If this is a case of fraud, we will need Ms. ******* to provide us a police report and/or an affidavit of fraud along with a legible copy of a picture ID. If this is an oversight on her part and she would like to resolve the matter, Ms. ******* may feel free to contact us at ************* We may be able to assist her in negotiating a lump settlement with our client on her behalf and the removal of the debt from her credit after it is paid.