Professional Finance Company PFC Collection Complaints. Stop the calls

Many consumers bring up complaints about harassing collection calls

Professional Finance Company or PFC, is a debt collection agency, which receives a lot of consumer complaints to our law firm for debt harassment. Find out who they are, why they might calling, and how you can stop them.

Professional Finance Company is a debt collection agency based in 1904. Also referred to as PFC, the business has over 150 employees, many with over a decade of experience in the debt collection industry. Professional Finance Company also operates a subsidiary, PFC Funding II, that purchases debt. Debt buyers typically purchase “uncollectible” portfolios of debt for a fraction of face value, and then try to gather what they can out of customers.

Like most debt collection agencies, Professional Finance Company works on a contingency basis, so that they get paid a portion of the collections they take in. They utilize skip-tracing tactics that include the use of national and local databases. PFC also utilizes credit reporting as a collections mechanism, and reports to all three major credit rating agencies. The business also maintains in-house lawyers and provides litigation services for debt collection.

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Professional Finance Company Collection Agency Complaints

As of April 2017, the Better Business Bureau reported 35 closed Professional Finance Company complaints over the previous few decades, including 9 closed Professional Finance Company complaints over the past 12 months. The BBB provides Professional Finance Company an A+ rating. Additionally, Justia lists one Professional Finance Company complaint filed in federal court in the past year alleging violations of the Fair Debt Collection Practices Act. Moreover, the Consumer Financial Protection Bureau (CFPB) lists 32 closed Professional Finance Company complaints for 2016.

Sample Case Filed in Federal Court against Professional Finance Company

In 2016, a judge in U.S. District Court, Western District of Missouri, denied in part and granted in part Professional Finance Company’s motion to dismiss Bledsoe v. Professional Finance Company for alleged violations of the Fair Debt Collection Practices Act.  According to the judge’s decision, the customer alleged the Professional Finance Company sent a collection letter which said, in part, ” As of the date of the letter, you owe the amount indicated under the sum due on the front side of the notice. Due to interest, late fees, and other fees that may differ from day to day the sum due on the day you pay the balance may be higher. If you want present accurate information concerning your balance please telephone 1-855-267-7451.” The customer claimed that the debt collection agency had no statutory or contractual authority to collect interest or late fees, which makes it an FDCPA violation. The debt collection agency contended that the letter contained “safe harbor” language permissible by caselaw. The judge disagreed, stating that the consumer had made a plausible claim, and allowing the case to proceed.

Professional Finance Company Collection Agency Address

Professional Finance Company, Inc.
5754 W. 11th Street, Suite 100
Greeley, CO 80634
Professional Finance Company Phone Number: 800-864-4391

Know Your Rights!

Sometimes debt collectors will attempt to use aggressive tactics or intimidation to attempt and collect on a debt. However, this behavior isn’t permitted under the Fair Debt Collection Practices Act (FDCPA), and based on the behavior it could also be illegal under state law. The FDCPA prohibits not only threats of violence, but also threatening to damage your reputation or damage your property. Additionally it is a violation of the FDCPA for a debt collector to inform you that they’ll take legal actions, such as garnishment, or have you arrested. Even if the debt collector does have the right to sue you for the debt, it’s still a violation of the FDCPA for the debt collector to undermine you if they have no intention to follow through. Victims of debt collector harassment may recover up to $1,000 in statutory damages under the FDCPA, plus attorney fees and court costs.

Consumers have reported getting Professional Finance Company debt collection calls in the following phone numbers:


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What Our Clients are Saying

“My mom and I want to say thanks to the team of Lemberg Law for all the hard work and effort that was taken to take care of the debt collector and the Fair Debt Collection Practices Act. Because of this, the phones do not ring off the hook anymore.”

“You’re very professional and useful…. For once I did not feel as though I was alone in the conflict. I got a check in the company — which was amazing in itself — but also the debt collector is no longer on my spine. It feels like a weight has been lifted off my shoulders.”

“I am so blessed that through this dreadful, terrifying encounter, your company was there to help me. I can not thank you enough.”

Can You Help Me Delete Professional Finance Company from My Credit Report?

Odds are good that we can help. Contact us now and we’ll clarify.

Can Our Business Help You Deal with Professional Finance Company?

The brief answer is also yes. And won’t charge you a cent for a consultation or our aid. To speak with a representative directly and immediately call 844-685-9200 for a free, no obligation case evaluation.

Sound Off!

Have you had a bad experience with this agency’s debt collectors? Sound off and share your experience with other visitors in the comment box below.

  • Alan McR*******

    Earlier tonight, a man came to my door to serve me with an alleged court summons regarding a collection attempt by Professional Finance Company. Upon reading the alleged court documents, I became suspicious about their authenticity. They appeared to be of poor quality(I have some prior experience with court documents and forms), and were unlike somewhat different from other court documents I have dealt with in the past. I then noticed that there was no actual case number or courtroom designation. This made me very suspicious. Lastly, on the bottom of the “Summons to Answer” and the “Verified Complaint Under Simplified Civil Procedure”, there is the statement that this communication is from a debt collector and is an attempt to collect a debt. I also accessed the court dockets for the date of the alleged hearing, and my name is not on the docket. Are these documents false? Is PFC using false threats of a lawsuit to intimidate me into pay them?

    • John

      > what ever happened with this?

    • Pamela Priest

      > I got the same exact thing this week. I have been attempting to search Colorado law about the fact there is no case number nor any signatures or stamps from the Deputy Clerk. I wonder if they filed electronically… if so, shouldn’t it say? We will call the court on Monday to see if there is a case for the date and time stated. The issue for me is they have 3 separate collections listed but the form to answer on (bad copy as well) doesn’t allow me to answer for each collection. I know I owe one of them.

      • Alan McReynolds

        > I actually ended up showing up at the courthouse at the day and time listed on the Summons. I talked with the court clerk who said the documents were in fact valid and legal, and that the court appearance to answer the complaint was on the court docket, which was posted on the wall outside the courtroom. I did not file an answer with the court or appear in the courtroom, since I could not dispute the fact that I owed the debt. My only reason for appearing was to state that I could not pay the debt owed on my part-time, minimum wage job, and that I didn’t want the court to allow my wages to be garnished. There was no process to do that, however. Ultimately, the court ruled in favor of PFC, however, Colorado has guidelines regarding how much can be garnished from your paycheck depending on your income. My income is so low, that the amount that PFC could legally take is so low, that apparently it would cost them more to do it, than they would gain, so I have not, and do not anticipate hearing from them.

  • Cheryll G

    PFC violated my rights 1. Ignoring disputes 2. Not furnishing proof of debt in a timely manner (to date not at all) 3. by serving an unknown party (No one in my hh received a summons), and not myself. This means information about me can be out there AND they did not give me opportunity to prepare a defense due to the improper service. I found out there was a summons issued against me because of a search that I did in the court database to find out whether or not my separation case was moving forward. When I saw that the case number was not the same, I immediately emailed and then called the court and ask them what this was. This is when they revealed that I need to show up at court, and they gave me PFC phone number. I contacted PFC, and they refused to send me the proof of debt unless I put it in writing, but this meant that there was no time for them to receive and respond to my request for proof of debt before court date. Meanwhile I disputed again, the alleged debt, with my credit bureau, and they found sufficient evidence to be able to delete it. I had to meet with the lawyer when I showed up to the court date that the court gave me, and the lawyer told me that the only reason why the credit bureau deleted it was because I asked for a dispute at least three times. I know that this is not even a true statement. During the disputes, I actually accidentally disputed something that was valid, and that valid debt is still on my credit report and will remain on there until I pay it off. The fact that the lawyer misrepresented the law is concerning. Additionally, I feel that they may have deliberately withheld information, serve the wrong person if they even serve anyone, and gave me this false and misleading information in hopes that I would never know about the court date, and they would get a default judgment. I feel that I may not be the only person who has had this happen in the past. Their lawyer also suggested to me, that improper service, though illegal, only delays the processing that I would still be responsible for paying the alleged debt. I let her know that that is not what the law says at all, and also that I know that improper service can cause them to have their case dismissed. She then told me I would not be allowed to collect on any damages based on my defenses as a line above. She has no way of knowing what I can collect on, and that sounds a lot like A Veiled Threat to me. She then said that she was willing to do a continuance to research this account further. However, she was supposed to have her burden of proof for her client already ready to go, because she knew exactly what was up. Clearly, this is just an attempt to stall because they know that I have something. I have another court hearing in April, which she just basically said is postponing the inevitable because she thinks I owe the debt, even without proof. I was able to furnish evidence that no one in my household receive paperwork as appropriate, and, that I recently had the only adult in my household served with separation paperwork and I showed her the picture and his license, that might process server used. She then tried to state that my divorce service was their service. I said no look at the case number, it is different because I’m only bringing this to show you that my process server was able to successfully serve the only adult in my household, and what he looks like for your reference. The lawyer does not seem to be very experienced in fcra laws, by telling me the things that she said. For these reasons, I asked her to go to the judge and vacate the Judgment request. She said that she was not going to do that that the most she could do was give me a continuance. I have every intent to ask the judge to dismiss their case and not entering the Judgment based on their violations of the law.

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