FAIR COLLECTIONS OUTSOURCING, INC.
Consumer Complaints
There are over 1102 complaints on file for FAIR COLLECTIONS OUTSOURCING, INC.. Dated between 2019-11-27 and 2013-07-10.
Complaints Page 12
2018-06-06
Cingular Wireless, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: XX/XX/2018 Fair Collections & Out Acct # XXXX To Whom It May Concern : Please be advised that I have received your correspondence .This is not a refusal to pay or a cease notice, but a notice that your claim of monies owed is disputed. According to the FDCPA you must validate a debt to a debtor if the debtor responds to your primary notice within a matter of days.
Under the FDCPA and according to recent findings with the Federal Trade Commission, you must send valid proof of this debt and a printout of records is not valid. See FTC.gov staff attorney opinion findings for details. Please dont send back a print out. The proof requested is as follows : Date you purchased debt Amount you paid for said debt Original Date of Charge Off Date of last payment/activity if any Creditors full name and address All records pertaining to actual debt to prove validity.
If you can not produce such proof after I have put you on notice then I reserve the right to file a suit against you for FDCPA violations in my courts venue. You will have to travel to defend yourself in that scenario.
Please also be advised that this request is an official validation of debt request and not a verification of address request. Proper proof of said debt is required. Please understand as well that under the FCRA any furnisher of information must put the account rating on hold while the debt is being investigated. Continuing to report this disputed debt to my credit reports is a FCRA violation also open to damages collected from you.
Awaiting your reply in a timely manner.
Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-04
Memphis, TN
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: Last year in XX/XX/XXXX someone broke into my apartment with no sign of forced entry. No one had a key to my apartment but me and it was ironically the same day that their maintenance workers had to come to my apartment to fix something. I automatically assumed it was the maintenance worker considering the facts and the condition of my apartment. And I had been hearing from the neighbors that the maintenance people over there do that a lot. I spoke with the property manager and was informed I could break my lease. She told me I could move immediately or put in a 60 day notice which I chose to do to have time to find another apartment. I then filed a police report and a detective got involved and came to speak with everyone in the office. They then got mad and tried to find a reason to attempt to put me out. They had their lawyer first send me a letter saying I had 14 days to vacate the property for violating my lease, by causing a nuisance on the property, which never happened. I went and spoke with an attorney and was informed the letter was basically a threat and I did not have to vacate. I can let them take me to court and they would have to prove I violated my lease. Of course that never happened. I paid my rent for XX/XX/XXXX as stated in the 60 day notice I would be responsible for XX/XX/XXXX and XX/XX/XXXX rent. Then come XX/XX/XXXX, after still going back and forward with me about vacating the premises after their attorney sent me that letter, I attempted to pay XX/XX/XXXX rent. They blocked me from being able to pay my rent via XXXX XXXX and online. I immediately called the office and informed I was unable to pay my rent as I kept getting an error message. I saved the screen shot of the message I was getting as well as a copy of the XXXX XXXX I filled out to pay my rent. I was told by the assistant property manager, XXXX XXXX, that they could not except in money from me, they just wanted me to turn in my keys and vacate before the evict me through court. Again, I spoke with another attorney who informed me I did not have to vacate I could let them try to evict me through court. So on XX/XX/XXXX they come putting a late notice on my door saying my rent was late and if not paid immediately they would be taking me to court for possession of property. Needless to say that never happened either. I ended up turning my keys in and moving out at the end of XX/XX/XXXX which was the agreement anyway from my day notice. During this time I also was speaking back and forth with a lady named, XXXX XXXX from the corporate office who also told me since they turned the case over to their attorney they could not accept any more money from me and that all they wanted me to do was vacate their property. Upon leaving, I gave them my forwarded address and never receive anything from them regarding a court date, my security deposit or anything. Then about 2 months later I get a letter from the collection agency saying I owe {$710.00}. And like I stated before I have all the proof and evidence that I tried to pay for XX/XX/XXXX and they would not allow me and told me they didnt want it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-04
Jacksonville, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I do not own this account and was never notified by anyone until it showed up on my credit score. Terrible repeated phone calls to where i was forced to block their number. They need to take this off of my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-06-01
Houston, TX
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX XXXX XXXX agency put a collection account on my credit file without notifying me or anything. I have no idea where this debt came from. It is a phantom account. I wrote this collection agency and asked them to validate this account and where it came from. They have not responded to me and are still reporting it on my credit. it has now been 90 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-31
Wonder Lake, IL
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Complaint: They want to charge two people for same amount and its not the right amount because they are overcharged us. We had never been served. We dont own that amount of money. {$4800.00} total {$9000.00} on XX/XX/2016. XXXXXXXX XXXX is taking care of it. The company name is XXXX at the links but the collection company now is Fair Collection outstanding company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-30
Cleveland, OH
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-30
MA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Complaint: Fair Collections & Outsourcing, known as FCO.
FCO had previously tried to collect an amount of {$220.00} from me without proof. That amount has changed to {$76.00} still without proof of that amount being correct.
I have requested validation of debt from FCO several times now at least 4. They have refused to send it. Validation of debt had also been requested in XXXX, XXXX and again in XXXX and FCO failed to provide it each time. FCO has sent a notice of the debt to each of the consumer reporting agency, the notice of the debt must be removed since they did not provide validation of the debt.
FCO has NOT shown they have the right to collect the ALLEGED debt.
FCO has NOT shown the ALLEGED debt is mine.
FCO has NOT shown the amount is accurate.
In fact, I have documentation proving that the amount is not accurate. So, I don't know how they could possibly claim they have proven it to be accurate.
XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX of FCO have repeatedly failed to follow federal law, as outlined in the The Fair Debt Collection Practices Act ( FDCPA ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-30
Green Acres, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-26
Woodland Hills, CA
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-24
Bloomingdale, IL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Information belongs to someone else
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-24
Three Bridges, NJ
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I never entered into an agreement with this company for any services. I never received any correspondence validating any financial obligation. They are reporting inaccurate information on all three of my credit reports. This company is violating my rights under the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-24
Three Bridges, NJ
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: I never entered into a contract with this company. I never received any information regarding my rights to dispute. They are reporting inaccurate and negative information to all three credit bureaus. They are violating my rights under the Fair Credit Reporting Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-16
Newnan, GA
Communication tactics
Debt collection: Other debt
Used obscene, profane, or other abusive language
Complaint: I moved out of XXXX XXXX XXXX which was managed at the time by XXXX XXXX ( creditor ) at the end of XX/XX/XXXX. Around XX/XX/XXXX I started receiving calls from the collection agency regarding a debt which I knew nothing about. I requested documentation to verify the debt in which I was told I would need to contact the apartment complex. I did this and still never received this documentation. Out of fear that this would go on my credit report, I settled with the collection company but I was told at the time that if I settled, it would not be reported. Fast forward to now, I pull my credit report and this collection is on my report. I have called the collection agency and requested that this be removed from my credit report but I have been denied this request. Also, one male representative or manager in particular that I've spoken with twice has been extremely rude and actually called me a " liar ''. Honestly, this collection agency should not even be in business Their business practices are unethical and their employees are beyond rude which can be seen just by reading reviews on this agency via the web. I have also tried to contact the creditor in which I was told to email someone by the name of XXXX XXXX and XXXX XXXX but nothing happened and I did not receive a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-15
Cecil, NJ
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-12
Jacksonville, FL
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-11
San Jacinto, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Fraudulent Account # XXXX. I have sent numerous Debt Validation letters and none have came back as Validated. The police report and complaints were filed extremely late because I did not have knowledge that this account was on my credit report until XX/XX/XXXX nor did I know that I could report my stolen social security cards and birth certificates to the police department. I also didnt know about submitting identity theft to the federal trade commission at that time which is why that complaint wasnt submitted until XX/XX/XXXX. In the summer of XX/XX/XXXX I was issued new social security cards and birth certificates due to my private information of property being stolen. I have also recently again submitted complaints to the Police department, XXXX XXXX XXXX and Federal Trade Commission if documentation is needed.
To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested.
Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.
This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.
At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following.
Violation of the Fair Debt Collection Practices Act Defamation of Character I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies.
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.
It would be advisable that you and your client assure that your records are in order before I am forced to take legal action.
Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt.
Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor.
Any insurance claims been made by any creditor regarding this account.
Any Judgments obtained by any creditor regarding this account.
Name and address of alleged creditor.
Name on file of alleged debtor.
Alleged account number.
Address on file for alleged debtor.
Amount of alleged debt.
Date this alleged debt became payable.
Date of original charge off or delinquency.
Verification that this debt was assigned or sold to collector.
Complete accounting of alleged debt.
Commission for debt collector if collection efforts are successful.
Please provide the name and address of the bonding agent for Fair Collections & Outsourcing in case legal action becomes necessary.
Your claim can not and WILL NOT be considered if any portion of the above is not completed and returned with copies of all requested documents. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. Please allow 30 days for processing after I receive this information back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-10
Ft Belvoir, VA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: XX/XX/2014 I MOVED TO XXXX, XXXX AND RENTED AN APARTMENT FROM XXXX XXXX ( XXXX XXXX ), I TRANSFERRED ONE OF THEIR SISTER PROPERTIES THAT IS LOCATED IN XXXX, XXXX XXXX XXXX XXXX. I WAS TOLD THAT I COULD TRANSFER THE REMAINDER OF MY LEASE. I TRANSFERRED TO XXXX XXXX IN XX/XX/2014, I WAS RELOCATED BECAUSE OF MY JOB WHICH I GAVE PROPER NOTICE TO XXXX XXXX AND CALLED TO VERIFY RECEIPT OF NOTICE TO VACATE PREMISES IN 60 DAYS. I WAS CHARGED FOR ITEMS THAT WERE NOT FIXED IN THE APARTMENT AND FOR A WATER LEAK THAT THE APARTMENT WAS AWARE AS I NOTIFIED THE OFFICE MANAGER AFTER THE WATER BURNED MY SON. ONE YEAR LATER LIVING IN XXXX, XXXX I RECEIVED A BILL THAT I WAS CHARGED OVER {$2000.00} FOR FEES, ETC.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-10
La Vernia, TX
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-09
Union City, NJ
Threatened to contact someone or share information improperly
Debt collection: I do not know
Contacted you after you asked them to stop
Complaint: XXXX XX/XX/2017 a collection appeared on my report. its not mines.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-09
Dallas, TX
Communication tactics
Debt collection: Other debt
You told them to stop contacting you, but they keep trying
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-09
FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt was paid
Complaint: I have been in communication with FCO. They are very uncooperative and make things very confusing, on purpose. We had make an arrangement for a debt to be settled as in full. Payment was made and cleared. Now they will just report as a settlement and not in full as they stated in their email.
This company is very unethical and uses words to confuse the average consumer. I am very unhappy with their sneaky ways.
The payment was made from two accounts on XX/XX/XXXX and cleared both accounts on XX/XX/XXXX. Attached is the communication between FCO and myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-08
Emeryville, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-08
MA
Took or threatened to take negative or legal action
Debt collection: I do not know
Threatened or suggested your credit would be damaged
Complaint: Fair Collection & Outsourcing, amount of XXXX. I have sent Fair Collection & Outsourcing a debt validation and Fair Collection & Outsourcing has not responded. Fair Collection & Outsourcing also reported this to all 3 credit reporting agency with validated the claim. I also have no knowledge of this account and I also have no knowledge of the original creditor
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-08
Baltimore, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I received credit alerts notifying me Fair Collections & Outsourcing , Inc .
was reporting a debt owed under my name for {$700.00} upon contacting the company I was informed it was from a apartment complex ( XXXX XXXX XXXX ) located in XXXX, GA that I never applied for or lived in. I submitted the info they asked for to clear my name and have the account removed from my credit but so far I got no response. Both the collection agency and Apartment complex refused to give me any information of send copies of the original application. this fraudulent account is impacting my life and financial freedom to provide for my family as it is being reported to my credit file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-05-07
Potomac Falls, VA
False statements or representation
Debt collection: Other debt
Attempted to collect wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation