|
11686459
|
2025-01-23
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-23
|
|
|
11593736
|
2025-01-18
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-21
|
|
|
11557245
|
2025-01-15
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-15
|
|
|
11930245
|
2025-02-04
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Rental debt
|
| Date Received |
2025-02-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-02-04
|
|
|
11521296
|
2025-01-15
|
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 |
RentDebt Automated Collections, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-15
|
|
|
11285819
|
2024-12-27
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-27
|
|
|
11491147
|
2025-01-12
|
Took or threatened to take negative or legal action
|
Debt collection
|
|
| Issue |
Took or threatened to take negative or legal action
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Threatened or suggested your credit would be damaged
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-12
|
|
|
11097280
|
2024-12-11
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-11
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-11
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11450778
|
2025-01-10
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-10
|
|
|
11213796
|
2024-12-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-27
|
|
|
11274256
|
2024-12-23
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-23
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-23
|
|
|
11307070
|
2024-12-28
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Credit inquiries on your report that you don't recognize
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-28
|
|
|
11295261
|
2024-12-27
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Rental debt
|
| Date Received |
2024-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-27
|
|
|
11435840
|
2025-01-08
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Rental debt
|
| Date Received |
2025-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-08
|
|
|
11142825
|
2024-12-13
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Rental debt
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
|
|
11368147
|
2025-01-03
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
I do not know
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
|
|
10549744
|
2024-10-24
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-24
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10510422
|
2024-10-19
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-19
|
| Consumer Consent Provided |
Consent not provided
|
|
|
7935186
|
2023-12-01
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2023-12-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-01
|
| Consumer Consent Provided |
Consent not provided
|
|
|
6376321
|
2022-12-29
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Other debt
|
| Date Received |
2022-12-29
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-12-29
|
| Complaint What Happened |
I began questioning this organization in XXXX of 2022 and this supposed obligation has been influencing my credit. The obligation authority hasn't given verification that the supposed obligation has a place with me. This is the 2nd time this obligation was sold in the wake of demonstrating that this supposed obligation isn't mine because of the organization 's deficient evidence and a duplicate of a printout bill isn't verification this is influencing my capacity to get another home. I don't have any idea why I'm being dealt with this way.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11151238
|
2024-12-13
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
I do not know
|
| Date Received |
2024-12-13
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-13
|
|
|
6243271
|
2022-11-28
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-11-28
|
| Consumer Consent Provided |
Consent not provided
|
|
|
5726412
|
2022-07-01
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Other debt
|
| Date Received |
2022-07-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-07-02
|
| Complaint What Happened |
XXXX XXXX XXXX located at XXXXXXXX XXXX XXXX at XXXX XXXX XXXX sent me to collections with XXXX XXXX XXXX for {$17000.00} without explanation. We moved out XX/XX/2021. We did not break lease and cleaned apartment before leaving. They have no list, or letter on why they charged this. Called company and they give no reason. This amount is more than a years worth of rent at this property which was income based and HUD. Ruined my credit with no explanation. XXXX XXXX was also the main person listed on lease. Again, company gives no letter, warning or explanation.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10185009
|
2024-09-16
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive enough information to verify debt
|
| Sub Product |
Rental debt
|
| Date Received |
2024-09-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-20
|
| Consumer Consent Provided |
Consent not provided
|
|
|
8183555
|
2024-01-19
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-01-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-01-19
|
| Complaint What Happened |
On XX/XX/ I reached out via written correspondence to XXXX and ReDebt Automated Collections LLC inquiring proper and accurate validation of a collection reporting on my consumer report. XXXX and RentDebt Automated Collections LLC has fail to provide accurate validation of collection debt and refuse to comply with all consumer laws.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5083709
|
2022-01-08
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Debt was paid
|
| Sub Product |
Mortgage debt
|
| Date Received |
2022-01-08
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-08
|
| Complaint What Happened |
I moved in to XXXX XXXX apartments in XXXX and moved out in XXXX but they are saying I owe them money for unpaid rent. I have never been late or had any trouble while I stayed in the apartment while in my lease. I have a copy of my lease that ended XX/XX/XXXX so I do not owe the apartment complex. I have contacted them and asked them to remove this as I can't get another apartment until I prove did not owe them for the time they have listed. I was in the hospital and family moved my belongings and now I am trying to get a new place and was told I had a dept. XXXXXXXX XXXX XXXX XXXX XXXX 's XXXX XXXX XXXX XXXX XXXX. I have never been late or not paid a dept please ask them to provide pay history as I have asked and got no response, I even sent a copy of lease because the dates that have I was not in a lease or contract
|
| Consumer Consent Provided |
Consent provided
|
|
|
4917783
|
2021-11-17
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2021-11-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-11-17
|
| Complaint What Happened |
Called rent debt automated collections on multiple occasions on XX/XX/XXXX I called around XXXX and I was transferred to multiple people who could not answer why I had a collections amount with them when I originally only owed the apartments {$1200.00} dollars for 1 months rent I tried to make payment and I was told I needed to contact the apartments because they denied payment and they will Have someone give me a call Back regarding balance never received callback, I made another call on XX/XX/XXXX to understand why I still havent gotten a call back regarding the fees that were added and why the cost is what it was, and I was told I needed to call the apartments to find out what the fees are for when I contacted the apartments they explained the fees are no longer with them and that I need to contact the collection agency, once again I called The collection agency on XX/XX/XXXX and the person I spoke to stated it was the apartment fees and he couldnt explain what the fees were for and informed me if I didnt pay {$6000.00} dollars I would have my account red flagged and I will be sued if I didnt set a payment arrangement with him To pay an amount I do not owe and no one can explain where these fees generated from or how the because {$6000.00} from the original amount of {$1200.00} that I agreed to pay and I dont understand why this continues to happen and be treathen to be sued and taking to court on a debt I have been trying to pay for months.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10365159
|
2024-10-06
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
I do not know
|
| Date Received |
2024-10-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-06
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10271585
|
2024-09-24
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Notification didn't disclose it was an attempt to collect a debt
|
| Sub Product |
Rental debt
|
| Date Received |
2024-09-24
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-09-27
|
| Complaint What Happened |
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Rentdebt Automated Col XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX [ XXXX ] XXXX Account Number XXXX Dear [ Rentdebt Automated Col ], I am writing in response to your notice of debt collection. Under the Fair Debt Collection Practices Act [ FDCPA ], I am requesting that you validate this debt. I request proof that I am indeed obligated to pay this debt and that it is accurate and legally enforceable.
Please provide the following information : 1. The name and address of the original creditor.
2.The amount of the debt, including any interest, fees, or other charges.
3.Proof that you are authorized to collect this debt on behalf of the creditor.
4.A complete and itemized history of the debt, including the date of the original transaction and any payments or adjustments made since.
5.Verification that the statute of limitations for this debt has not expired
.
6.Copies of any paperwork that shows I agreed to pay what you claim I owe.
Please note that I am disputing the validity of this debt and requesting that you cease any collection activity, including reporting to any credit bureaus, until the debt has been properly validated.
In accordance with the FDCPA, please consider this letter as a formal dispute and request for validation. I request that you respond within 30 days of receiving this letter Thank you for your attention to this matter.
Sincerely, XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
3502819
|
2020-01-21
|
Communication tactics
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
Communication tactics
|
| Timely |
Yes
|
| Company |
RentDebt Automated Collections, LLC
|
| Product |
Debt collection
|
| Sub Issue |
Called before 8am or after 9pm
|
| Sub Product |
I do not know
|
| Date Received |
2020-01-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2020-01-21
|
| Complaint What Happened |
I have been subjected to the illegal, immoral, and inept practices of RDAC. I have submitted three complaints about RDAC prior to this. If you would be so kind, please reference my complaint ID numbers XXXX, XXXX, and XXXX for relevant background information. I am making another complaint about RDAC because they refuse to acknowledge their wrongdoing and accept responsibility for violating the Fair Debt Collection Practices Act. The following is RDACs response to of my third complaint : Although RDAC has previously responded to similar allegations in Mr. XXXX latest ( third complaint ), RDAC responds to this latest complaint as follows. First, Mr. XXXX assert that Just because a letter was not returned as undeliverable does not mean that it was delivered to the correct party. By mailing this letter to an address that I have never lived at and failing to ensure my receipt of this document, RDAC neglected to ensure that I received this letter within the mandated 5 days of initial communication per the Fair Debt Collection Practices Act 809. ( a ). In response to this assertion, RDAC respond by reiterating that the account in question was placed with RDAC for collection on XX/XX/XXXX, and on XX/XX/XXXX, RDAC mailed its initial validation letter to Mr. XXXX at the address that came with the account. That letter was not returned to RDAC as undeliverable, and therefore RDAC was permitted to assume that Mr. XXXX received the validation notice. The plain language of section 1692g ( a ) does not require that a Validation of Debt Notice be received by a debtor. Instead, the plain language states that such a Notice need only be sent to a debtor. XXXX XXXX Credit Bureau of XXXX County, Incorporated, 171 F.3d 1197, 1201 ( 9th Cir. 1999 ). A debt collector need not establish actual receipt by the debtor. Id. Therefore, RDAC denies that it violated 1692g ( a ) of the FDCPA. As for Mr. XXXX concerns regarding RDAC agents attempts to verify that they were communicating with the correct party before discussing the debt with him, this process is for the protection of the consumer ( Mr. XXXX ) in order to ensure that the debt collector does not discuss the consumers debt with an unauthorized third party. Finally, regarding Mr. XXXX allegation that RDAC violated the FDCPA by calling him prior to XXXX XXXX., RDAC has already addressed this allegation in its previous response. Specifically, our previous response regarding this allegation included the following statement : Given that the address provided to RDAC is in the Eastern Time zone, the fact that the initial letter was not returned and the area code of the phone number Mr. XXXX was contacted at ( XXXX ) being is an area code in the Eastern Time zone, it is RDACs position that the call made to Mr. XXXX was made in compliance with section 805 ( a ) ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ). That section of the FDCPA prohibits a debt collector from communicating with a consumer... after XXXX XXXX XXXX and before XXXX XXXX XXXX, local time at the consumers location. RDACs phone system is designed to prevent calls from being dialed to a consumer before XXXX XXXX., or after XXXX XXXX. at the consumers location. At the time the call in question was made, RDAC had no knowledge that Mr. XXXX was located in a time zone other than the Eastern Time Zone. We welcome Mr. XXXX to contact our office at XXXX Monday Thursday from XXXX to XXXX and Friday from XXXX to XXXX Central Time, to discuss options that might be available to him and to assist in resolving his account. Thank you for the opportunity to respond to this complaint. XXXX XXXX Mr. XXXX : Can RDAC provide proof that its initial validation letter and response to Mr. XXXX written dispute were sent? Because neither were received by MrXXXX XXXX. RDACs process of verifying a consumers identity via telephone is fundamentally flawed and does not protect consumers. In an age consumed by fraud and identity theft, hundreds of individuals possess the sensitive personal information of others and can use them for harm. To reiterate, just because a caller can verify an individuals social security number, address, and date of birth does not mean that this information belongs to the caller. Also, to reiterate, the address provided to RDAC was not provided by and never has belonged to Mr. XXXX. Assuming a consumers location based on an unverified address, an unreturned letter, and the area code of a telephone number is glaringly inept, irresponsible, and immoral. But using Ms. XXXX logic : Given that the address provided to RDAC is in the Eastern Time zone, the fact that the initial letter was not returned and the area code of the phone number Mr. XXXX was contacted at ( XXXX ) being is an area code in the Eastern Time zone, it is RDACs position that the call made to Mr. XXXX was made in compliance with section 805 ( a ) ( 1 ) of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( a ) ( 1 ). RDACs phone system is designed to prevent calls from being dialed to a consumer before XXXX XXXX, or after XXXX XXXX at the consumers location, how can XXXX definitively declare that Mr. XXXX is not located in the Eastern Time zone? Does RDAC have evidence that Mr. XXXX is not located in the Eastern time zone? Ms. XXXX states that RDAC has every reason to conclude that Mr. XXXX lives in the Eastern Time zone, so it is dangerous to now assume otherwise. Regardless of where RDAC erroneously and carelessly assumes that Mr. XXXX resides, the Fair Debt Collection Practices Act forbids debt collectors from calling a consumer before XXXX and after XXXX. The fact of the matter is that RDAC violated the Fair Debt Collection Practices Act by calling Mr. XXXX before XXXX. Ms. XXXX statements provide proof of their violations based on their ill-informed assumptions and perhaps even a faulty phone system.
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| Consumer Consent Provided |
Consent provided
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3480483
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2019-12-30
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Communication tactics
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Debt collection
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| Issue |
Communication tactics
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| Timely |
Yes
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| Company |
RentDebt Automated Collections, LLC
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| Product |
Debt collection
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| Sub Issue |
Called before 8am or after 9pm
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| Sub Product |
I do not know
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| Date Received |
2019-12-30
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| Submitted Via |
Web
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| Company Response |
Closed with explanation
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| Consumer Disputed |
N/A
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| Date Sent To Company |
2020-01-13
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| Complaint What Happened |
On XX/XX/2019 I received a call from an associate of XXXX XXXX XXXX ( XXXX XXXX ) before XXXX ( the Fair Debt Collection Practices Act specifically states that debt collectors can only call between XXXX and XXXX ).
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| Consumer Consent Provided |
Consent provided
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