Perfection Collection, LLC (PC) is a third-party debt collection agency based in Utah. PC has received consumer complaints alleging violations of the Fair Debt Collection Practices Act (FDCPA), including improper communication tactics and misrepresentation. If you have been contacted by PC, make sure you understand your rights before responding.
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According to the Better Business Bureau (BBB), Perfection Collection, LLC was founded and incorporated in 2010. The BBB established PC’s profile page in 2011. PC is listed as a collection agency. Buzzfile estimates PC’s annual revenue at $107,000 and the size of its headquarters staff at 2 employees.
According to its website, Perfection Collection “is focused on providing high-quality service and customer satisfaction” in their mission to “get clients paid as quickly and efficiently as possible.” PC “understands that collections can be a painful and stressful process” and wants to “make the experience as simple and stress-free as possible…by perfecting the manner at which we collect…to obtain the highest possible returns… with the fewest possible complaints.”
Perfection Collection website is housed mostly on one page that provides very little detailed information about their clients or business practices. They specialize in collecting delinquent accounts for alarm companies, an “industry that is growing and will continue to grow.” In addition, PC collects delinquent accounts for business lenders, auto loan providers, personal loan providers, hair salons, education lenders, medical and dental providers, utility companies, cleaning services, plumbers, construction companies, membership-based gyms, and pest control companies.
Perfection Collection’s collection services include first-party collections, third-party collections, reinstatement of services, billing invoices, and litigation. Additional services include 24-hour-a-day, 7-day-a-week web access to client accounts; higher-than-average recovery; a positive collection approach leading to fewer complaints; and state-of-the-art technology.
The Perfection Collection website does not provide any information about its compliance policies. Neither the contact form nor the payment portal page include a legal disclaimer identifying PC as a debt collection agency. There are no references or links to consumer protection resources, laws, or enforcement agencies.
As of December 2017, the Better Business Bureau (BBB) has given Perfection Collection LLC a rating of D-. The BBB has closed 33 complaints against PC in the preceding 3 years, with 23 closed in the past 12 months. Most of those complaints allege problems with billing and collections. As of May 2015, the Consumer Financial Protection Bureau (CFPB) has received 35 complaints about PC. Justia lists at least 1 case of civil litigation involving Perfection Collection.
Perfection Collection, LLC
313 E 1200 S., Suite #102
Orem, UT 84058
Telephone: (801) 921-7379
It is illegal for a debt collector to threaten to sue you or garnish your wages. It is also unlikely Perfection Collection would sue you for a debt you may not owe or they cannot validate. However, debt collection agencies are known to have summoned debtors to court and garnish wages after a default judgement. Contacting an attorney BEFORE this could possibly happen would be a smart move. We’ve helped thousands of consumers fight back against unscrupulous debt collection harassers. Find out if we can help you too today!
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Absolutely. Here are some Sample Cases against Perfection Collection LLC
Complaints against Perfection Collection cite problems resulting from attempts to collect outstanding balances on disputed alarm contracts. In June 2017, a complainant indicated he had been contacted by an alarm company representative who had sold him a security system. The complainant set up monthly payments and had not had any interruption in service or in payments. The alarm company representative had also asked the complainant for referrals at the time he was selling the initial contract. At the time of the sale, the complainant had been a property manager overseeing 60 rental units and referred the alarm sales representative to a unit he had just rented. Subsequently, the complainant discovered a delinquency on his credit report originating with the alarm company. He called the alarm company and they confirmed that his account was not delinquent. After some research, he discovered that his name had been forged on the contract for the rental for which he had provided the referral, likely because the tenant had poor credit. Initially, the alarm company said they would process a cancellation of the forged contract. However, because the contract had been sold to Perfection Collection, they said they could not take any action. When the complainant contacted PC, he tried to explain what had happened, but they wouldn’t listen and allegedly replied using harsh language. He attempted a three-way call with PC and the alarm company, and PC promised to send him a letter stating that if the complainant filed a police report confirming that the contract had been forged, they would remove the negative item from his credit report. The complainant agreed; however, at the time of the complaint he still had not received the letter from PC. Despite confirmation by 5 employees of the alarm company that the contract had been forged, Perfection Collection did not take any action to address the alleged violation.
The BBB complaint prompted Perfection Collection to respond with an indication that they had closed the account at the request of the original creditor.
The Fair Debt Collections Practices Act (FDCPA) and the Fair Credit Reporting Act (FCRA) are enforced by the Federal Trade Commission (FTC) and the Consumer Financial Protection Bureau (CFPB). The FDCPA regulates the behavior of collection agencies by prohibiting actions such as the use of abusive or threatening language; harassment; or the use of false or misleading information to collect a debt.
The FCRA regulates how collection agencies and creditors report delinquent debts to credit reporting agencies. Additional consumer protection laws include the Telephone Consumer Protection Act (TCPA) and the Consumer Financial Protection Act (CFPA). The complaint above illustrates how these laws can be extremely effective tools to hold accountable collection agencies who fail to adhere to their provisions.
These laws also provide individuals with a means to seek monetary damages in court. For example, the FDCPA allows consumers who have been violated to recover damages of up to $1,000, plus attorney fees and court costs.
Seek legal assistance to find the relief you may be entitled to if you are having difficulty resolving disputes with a debt collection agency.
Your debt harassment checklist:
- You are receiving multiple calls per week from third party collection agencies
- You are receiving early morning or late night calls from debt collectors
- You are recieving calls at work from a debt collection agency
- Debt collectors are calling your friends, neighbors, or coworkers
- Collectors are threatening you with violence, lawsuit, or arrest
- A debt collector attempts to collect more than you owe
- You are being threatened with negative credit reporting
- A debt collector attempts to intimidate you
- Criminal accusations are being made towards you
- Use of obscene language during an attempt to collect
- Automated robocalls are being made to your phone in an attempt to collect
If you’ve been harassed by debt collectors and even one of these has happened to you, we can help. We will fight for your rights.
We can make them STOP!✋
The Lemberg Law legal team is committed to holding debt collectors accountable, so complete our form for a FREE case evaluation, or call ? 844-685-9200 NOW.
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