Updated on February 19th, 2025 Author: stopcollections | Editor: stopcollections

Consumer Complaints Against Professional Debt Mediation, Inc

Disclaimer: The following content is a summary of complaints submitted to the Consumer Financial Protection Bureau (CFPB) by consumers. The information provided is intended to inform and educate consumers about potential issues and experiences reported with the mentioned entity. 

This article outlines consumer complaints submitted to the Consumer Financial Protection Bureau (CFPB) against Professional Debt Mediation, Inc. Our goal is to provide educational insights about these issues and equip you with the knowledge to address similar situations effectively. If you’re facing any of these challenges, understanding your rights and available legal recourse is essential.

Key Complaints Reported by Consumers 

Unauthorized Reporting to Credit Bureaus

One of the most common complaints is the unauthorized reporting of debts to credit bureaus. Consumers have reported instances where debts were added to their credit reports without their consent or prior notification. This can lead to significant damage to financial reputations and credit scores, leaving individuals in difficult financial positions.

Your Rights and Next Steps

Under the Fair Credit Reporting Act (FCRA), consumers have the right to dispute any inaccurate or unauthorized information on their credit reports. You can take the following steps:

• File a dispute with the credit bureau reporting the debt.
• Request validation of the debt from the creditor or collection agency.
• Consult a legal professional to review whether Professional Debt Mediation has violated your rights.

Take Action

If you believe debts have been reported without authorization, consult with a legal expert to protect your financial standing.

Failure to Validate Debts After Requests

Consumers have expressed frustration over Professional Debt Mediation’s refusal to validate debts when requested. This lack of transparency leaves individuals unable to confirm whether the debts being pursued are valid and accurate.

Your Rights and Next Steps

The Fair Debt Collection Practices Act (FDCPA) requires debt collectors to validate a debt upon request. To address this issue:

• Submit a written request for validation within 30 days of receiving a debt collection notice.
• Request a detailed breakdown of the debt, including original creditor details.
• If no response is received, report the violation to the CFPB.

Take Action

Ensure your rights are upheld. Consult with legal counsel to determine if Professional Debt Mediation has violated the FDCPA.

Alleged Identity Theft

Numerous complaints involve identity theft, where consumers have stated that debts being pursued are not theirs. Victims often report that Professional Debt Mediation has failed to properly address or resolve cases of fraudulent accounts.

Your Rights and Next Steps

The FCRA offers protections for victims of identity theft. Here are some actionable tips:

• File an identity theft report with the Federal Trade Commission (FTC).
• Notify Professional Debt Mediation and request removal of the fraudulent debt.
• Contact each credit bureau to place a fraud alert or credit freeze on your report.

Take Action

If you believe you’re a victim of identity theft, seek legal assistance to ensure accurate reporting and accountability from all parties involved.

Unauthorized Bank Withdrawals After Debt Paid

Some consumers have reported that Professional Debt Mediation continued withdrawing funds from their accounts even after debts were paid in full. This practice is deeply concerning and causes significant financial strain for individuals.

Your Rights and Next Steps

The FDCPA prohibits unauthorized withdrawals by debt collectors. Here’s what you can do:

• Immediately notify your bank and request reversal of unauthorized charges.
• Provide proof of payment to Professional Debt Mediation and demand they cease collections.
• File a complaint with the CFPB for predatory or unauthorized practices.

Take Action

If you’ve experienced unauthorized withdrawals, consult a legal specialist to address your financial losses and protect your funds.

Violation of Consumer Rights and Deceptive Practices

Many consumers have accused Professional Debt Mediation of using deceptive practices. These include misrepresenting debts, harassment, and attempting to collect without proper legal authority. Such practices not only breach consumer protection laws but also exhibit a lack of professional ethics.

Your Rights and Next Steps

The FDCPA and other consumer protection laws shield individuals from deceptive debt collection practices. Actions to take include:

• Collect evidence of deceptive behavior (emails, call logs, etc.).
• File a complaint with the CFPB or your state’s attorney general.
• Seek guidance from an attorney to potentially file a civil claim.

Take Action

Deceptive practices are unacceptable. Contact a consumer rights attorney to address any violations and ensure justice is served.

Free Legal Assistance for Victims of Debt Collector Violations

If you’re facing similar issues with Professional Debt Mediation, it’s crucial to know your rights and act quickly. You don’t have to deal with these violations alone.

How To Get Free Legal Assistance 

• Step 1: Reach out to our legal experts for a free consultation. 
• Step 2: Share your experience, and we’ll help assess whether your rights under the FDCPA or FCRA have been violated. 
• Step 3: If applicable, we’ll guide you through the process of filing a claim and stopping illegal collection practices.

Our legal experts specialize in protecting consumers like you from unfair debt collection practices. Take control of your situation today and assert your legal rights.

Contact us now for your FREE consultation and stop unfair debt collection practices in their tracks!

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