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Business Profile

Collections Agencies

Professional Debt Mediation, Inc.

This business is NOT BBB Accredited.

Find BBB Accredited Businesses in Collections Agencies.

Complaints

Customer Complaints Summary

  • 212 total complaints in the last 3 years.
  • 64 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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.

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Complaint status

Complaint type

  • Initial Complaint

    Date:06/30/2025

    Type:Billing Issues
    Status:
    Answered
    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 account does not belong to me. I do not have a contract with Professional Debt Mediation.
    Professional debt mediation failed to supply me with the original contract.
    Remove this account from my credit report.

    Customer Answer

    Date: 06/30/2025

    I attached proof that I sent the request for the original contract via certified mail.

    Customer Answer

    Date: 07/01/2025

    Attached is a copy of the letter I sent to Professional debt mediation Inc. via certified mail requesting the original contract in which they never supplied. 

    Business Response

    Date: 07/08/2025

    Please find attached the documentation from our client regarding the debt owed to them by Ms. ****** inclusive of the charges owed, the contract she signed and the application she submitted. Please note, this information was sent to her previously, on 4/4/2022, 5/4/2023 and 1/31/2024. We also spoke with Ms. ******, on 10/24/2021 prior to the debt being placed on her credit. She offered a settlement which our client did not accept and she did not accept their counter or to make payments. Our client is adamant this debt is owed!

    We acknowledge the fact we do not have a contract with Ms. ******. Our agreement is with the management and owners of ********* **** Apartments. it is not uncommon for companies, including the government, to utilize collection and/or credit reporting companies to assist them in recovery debts owed to them. PDM did not purchase Ms. ****** debt. Our attempts to resolve the debt and place it with the credit bureaus are on behalf of our client. Ms. ****** may feel free to contact the original creditor to verify our agreement and/or pay the debt.

    If Ms. ****** is interested in resolving this debt, she 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. 

  • Initial Complaint

    Date:06/20/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    The failure to provide accurate debt validation and disclosure constitutes an unfair practice.

    Business Response

    Date: 06/30/2025

    Please find attached the documentation from our client regarding the debt owed to them by *** ****** This information was sent to her previously, on 516/2024 and 4/14/2025. 

    The debt is for an application fee she owes for applying for an apartment with our client. Paragraph 2 of the agreement stipulates she would be responsible for the fee and any bank fees if her payment was returned by her bank. It is important to note the ID she provided to our client and the ID she sent with her disputes to the credit bureaus are the same. The email address she provided on her application to our client and on her credit disputes are also the same. 

    If *** ***** still contends this is fraud, we will need her to provide a detail police report stating someone stole her actual ID. We will be glad to contact our client in an effort to resolve her dispute. If this is simply an oversight and she would like to resolve the matter, she may feel free to contact us at ************. Our is willing to allow us to remove the debt from her credit after it is paid.

  • Initial Complaint

    Date:06/17/2025

    Type:Billing Issues
    Status:
    Answered
    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 ***** **** at **** ***. I do not have a contract with Professional Debt Mediation.They did not provide me with the original contract as I requested. This complaint was investigated, resolved, and closed by the BBB in which it was concluded to be removed. This debt was only removed from Experian credit reporting agency. It's been over 45 days. Please remove from my Equifax and Transunion credit reporting agencies.

    Customer Answer

    Date: 06/24/2025

    I have uploaded a copy of the validation of debt letter I sent to Professional Debt Meditation iNC. I have no contractual obligation in regards to this company or debt. They have not provided me with proof of contract from the alleged debt. Please assist with resolving and removing this from my Equifax and TransUnion Report.

     

    Business Response

    Date: 06/30/2025

    We will send the documentation from our client regarding the debt owed to them by *** **** via an additional email as it is too large to attach to this response. The documents include the application she submitted, the contract she signed, the charges owed and the picture ID she gave our client. Please note, this information was sent to her previously, on 8/11/2024, along with our response to the complaint she filed with the CFPB. 

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

    If *** **** is saying this is not her ID and debt, we will need her to send us an ID theft affidavit and/or a police report along with a legible copy of a picture ID. If the debt is an oversight and she would like to resolve the matter, she may 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:06/03/2025

    Type:Billing Issues
    Status:
    Answered
    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.
    A collection account was opened on April 16, 2021, by Professional Debt Mediation for a debt allegedly tied to an apartment lease. I have never had any account or agreement with Professional Debt Mediation. When I noticed the collection on my credit report, I contacted the apartment complex directly to request proper validation of the debt. They did not provide any documentation or proof—only a statement that the debt was “validated.” No lease, payment history, or signed agreement was ever shown to support the claim.

    This account remains on my credit report despite my efforts to dispute it. The reporting is inaccurate, and it has caused serious damage to my credit profile, including being denied housing opportunities and experiencing financial stress. This situation has caused ongoing and potentially irreversible harm.

    I am requesting that this matter be reviewed and that the collection account be removed immediately due to lack of proper validation and inaccurate reporting.

    Business Response

    Date: 06/05/2025

    Please find attached the documentation form our client regarding the debt owed to them by Mr. ******** inclusive of the lease he signed and the ledger of charges. Please note this information was sent to him previously on 10/24/2022. 

    Our client is adamant to the fact this debt is owed. If Mr. ******** is interested in resolving this matter, 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:05/22/2025

    Type:Order Issues
    Status:
    Answered
    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 Professional Debt Mediation , I do not have a contract with Professional Debt Mediation. They did not provide me with the original contract as I requested.

    Business Response

    Date: 06/05/2025

    We are unable to locate an account for **** ****** with the information he provided. Mr. ****** can contact us at ************ with additional information such as - account number off his credit report, SSN, DOB - or any other information to assist us in locating his account.

  • Initial Complaint

    Date:05/21/2025

    Type:Billing Issues
    Status:
    Answered
    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 is my final notice regarding your failure to comply with federal credit reporting laws. I’ve previously disputed inaccurate information on my credit report, but you’ve failed to properly respond under the Fair Credit Reporting Act (FCRA) and Fair Debt Collection Practices Act (FDCPA).

    You’ve violated the law by:

    Failing to validate the debt (15 USC 1692g)

    Continuing to contact me after a cease-and-desist (15 USC 1692c)

    Engaging in harassing and misleading reporting (15 USC 1692d and 1692e)

    I recently received confirmation that your “investigation” was completed, yet the disputed account is still on my report. This account is not accurate, was not authorized by me, and no contract or written consent exists, as required under 15 USC 1681b.

    I demand the immediate deletion of the following account:

    PROF DEBT
    Acct #: ***************
    This account is false and must be deleted under 15 USC 1681e(b), 1681i, and 1692g. You failed to notify me within 5 days of starting your investigation, and I never agreed to this debt.

    Under 15 USC § 1681c-2 (FCRA 605B), you must remove inaccurate info within 4 business days of notice. Since you cannot verify the debt with a signed agreement, this entry must be removed.

    If you fail to act within 30 days, I will pursue legal action and report this to the Consumer Financial Protection Bureau, Federal Trade Commission, Attorney General’s Office, and the Better Business Bureau.

    I will also seek damages under 15 USC § 1681n and 1692k for willful noncompliance and civil liability.

    Please take this seriously and respond accordingly.

    Business Response

    Date: 06/05/2025

    Please find attached the documentation from our client regarding the debt owed to them by *** **********. Please note, this complaint is our first knowledge of any dispute regarding this debt. It is also important to note this debt is due to an eviction for non-payment of rent.

    Again, we did not receive any notices from *** ********** for us to cease and desist communication with him. The attachment he sent with this complaint is a response from the Consumer Financial Protection Bureau to the complaint he filed with them. There will be no further communication from our office with *** **********. If he is interested in resolving this matter, he may feel free to contact us at 888-676-9872. If this is an issue of fraud/identity theft, we will need him to provide us an affidavit of fraud/police report and a legible copy of a picture ID. If the debt is owed and an oversight on his part, 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:05/20/2025

    Type:Order Issues
    Status:
    Answered
    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’m not liable for this debt with ****** **** ***** *****. I do not have a contract with professional debt mediation.

    Business Response

    Date: 06/06/2025

    We will send the documentation from our client regarding the debt owe to them via another email as it is too large to be sent thru this portal. The documents include the application he submitted, the lease contract and his picture ID he provided. It is also important to note the debt is also owed by his mother, ******* ******, who cosigned on his behalf. Our client is adamant to the fact this debt is owed!

    We acknowledge the fact we do not have a contract with Mr. ******. Our agreement is with the management and owners of ****** ********* *********** 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 attempts to recover the debt and place it with the credit bureau are done on behalf of our client. Mr. ****** may feel free to contact the first party to verify our agreement and/or to pay the debt. 

    Mr. ****** may feel free to contact us at ************ to resolve this matter. If the attached ID is not his, and this is a case of ID theft, we will need him to provide us a police report/ID theft affidavit and a legible copy of a picture ID. If the debt is owed and simply an oversight on his part, 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:05/15/2025

    Type:Service or Repair Issues
    Status:
    Resolved
    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 COMPANY REFUSES TO REMOVE ITS DEBIT RECORD FROM MY CREDIT HISTORY.
    I HAVE SUED THEM AND ALSO SUED WAKE BISCAYNE BAY LOCATED IN NORTH BAY VILLAGE. I WON IN COURT AND THEY STILL REFUSE TO REMOVE THE DEBIT THAT WAS UNLAWFULLY CHARGED ME FOR MORE THAN THREE YEARS.

    Business Response

    Date: 06/09/2025

    After discussing Mr. ********* complaint with our client, they have advised us to close his account and remove the debt from his credit. We have sent a request to the appropriate credit reporting databases to remove the debt from his credit. Please allow 30-60 days to see this reflected on his actual credit bureau report. We have mailed a letter stating the above to Mr. *******.

    Customer Answer

    Date: 06/09/2025

    [A default letter is provided here which indicates your acceptance of the business's response.  If you wish, you may update it before sending it.]


    Better Business Bureau:


    I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 





    Regards,



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




     

  • Initial Complaint

    Date:04/30/2025

    Type:Billing Issues
    Status:
    Unanswered
    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.
    THE COMPANY DOESN'T EVEN EXIST AT THAT ADDRESS ANYMORE THEY SOLD THE PROPERTY I am writing to dispute the debt you claim I owe to Parc at 1875 Apartments in the amount of $2,864.00. I request that you provide validation of this debt, as required by the Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g. After reviewing the documentation you provided, I noticed that the debt amount was reduced by $1,500.00 after I filed a complaint with the **************************. This reduction suggests that the original debt amount was inaccurate. I dispute the entire debt, as it appears to be based on fraudulent information. I request that you remove this debt from my credit report, as it is causing me harm. Please provide the following documentation to support the debt: 1. The original contract or agreement between me and Parc at 1875 Apartments. 2. Proof of my signature on the contract or agreement. 3. A detailed breakdown of the debt, including all charges and fees. 4. Proof of the debt's validity and accuracy. If you are unable to provide this documentation, I request that you remove the debt from my credit report and cease all collection activities. Fair Debt Collection Practices Act (FDCPA), 15 U.S.C. 1692g Fair Credit Reporting Act (FCRA), 15 U.S.C. 1681

  • Initial Complaint

    Date:04/21/2025

    Type:Billing Issues
    Status:
    Answered
    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. 

Professional Debt Mediation, Inc. is NOT a BBB Accredited Business.

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