FAIR COLLECTIONS OUTSOURCING, INC.

2018-01-05

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2018-01-05

Aurora, CO

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

Timely Response

2018-01-04

San Francisco, CA

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

Timely Response

2018-01-04

Long Island City, NY

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: This is two prong collection complaint I have against Fair Collection and Out ( Fair Collections ) which is located ay XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. They are both rent related matters. Telephone number : XXXX XXXX In short, in 2016 I moved my family into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NY XXXX, It was a disaster from day one due to construction ( which they failed to notify me of ) and multiple issue that had great impact on my young daughters XXXX. It was a battle from day one and the building did nothing to help settle nor resolve the issues I was forced to leave and left with a rent debt that i believed we did not owe due to the circumstances. Simultaneously that year I was the guarantor of my mother XXXX XXXX lease at XXXX XXXX XXXX XXXX XXXX NY XXXX. Both buildings were owned by the same company. Unfortunately, in 2016 My mother XXXX XXXX and iI lost my job. As stated above, we moved out of the apartment ( and state ). The landlord sued me and my wife. I could not afford an attorney and could not represent myself properly. They took a judgment against me and my wife. From that point on, Fair Collections undertook an aggressive phone and mail campaign to collect the debt they claimed they purchased from the Landlord, Not only did Fair Collections harass me, they called relatives, forma work locations, my guarantor, family members, and any other person or locations they believed I was located. It was daily and constant, multiple times daily. It was awful. I desperately tried to negotiate and hold them off but to no avail. They simply would not listen and applied high pressure tactics. They threatened my apartment guarantor and harassed him ( and his family ) to the point were he paid {>= $1,000,000} to Fair Collections to leave him and his family alone and resolve his potential liability. Despite collecting {$15000.00}, Fair Collections continued the harassment. They hit mine and my wife 's credit ( and continue regularly ) for {$28000.00} for the purported XXXX XXXX debt and {$10000.00} for what they claim my XXXX mother owed. Of course our is destroyed and i am still out of work. I have called Fair Collections several times to try to negotiate to remove these debts but to no avail. Today I attempted again only to be told I could pay a total of {$22000.00} to resolve both debts. More importantly, the representative said that even if i paid they would not remove it from our credit reports but would simply mark the matter resolved for a lesser amount. I explained I simply did not have anything near that amount and was still out of work. I explained I had a friend who could lend me a few thousand to resolve the matter. I explained that the debts reporting is destroying our credit and not allowing my family to move forward. The agent simply said no and that they would continue to hit my credit ( as they just did this month ) I simply do not understand how they can continue to pursue debts that are improper, debts they have collected on already. debts they contuse to use to destroy our credit, and debts they will not reasonably try to resolve considering the circumstances.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-31

Evesboro, NJ

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

Timely Response

2017-12-27

Columbus, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-27

Chicago, IL

Took or threatened to take negative or legal action

Debt collection: Mortgage debt

Threatened or suggested your credit would be damaged
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-22

Tallahassee, FL

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

Timely Response

2017-12-21

Lockhart, FL

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

Timely Response

2017-12-20

Perris, CA

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

Timely Response

2017-12-20

Northside, NC

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: I pulled my annual credit report from in XXXX of XXXX. I noticed a debt in the name of Fair Collections and Outsourcing listing an account for a previous apartment complex that I used to live in by the name of XXXX XXXX XXXX. I instantly knew the figures listed were inaccurate and the information being reported on my credit report from this account were inaccurate. I contacted them by phone in that same week and requested to have something mailed to me to validate the debt. Nothing was ever received at this point I went ahead and had a third party company XXXX XXXX XXXX dispute the debt on my behalf on XX/XX/XXXX. It was then deleted from my XXXX credit report but nothing was done for XXXX or XXXX. At this point I am still waiting to receive something showing validity of the debt. Back on XX/XX/XXXX I filed another dispute this time directly with XXXX and they claimed it was verified but again nothing was sent to me in writing. This mark on my credit has caused me anxiety and anguish and I have even been rejected additional credit because of this unverified account. Why are they not willing to furnish the proof of this debt?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-19

Discovery Bay, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Fair Collections and Outsourcing has reported a collection on my credit report for {$1800.00}. I requested validation of this debt to which they sent me a copy of the lease agreement from XXXX XXXX XXXX XXXX XXXX which clearly shows that it was NOT MY SIGNATURE AND THERE WERE NO PAYMENTS FROM ME NEITHER IT DID LIST MY SS #. I disputed this account as fraudulent, sent them copy of my id with my name and actual signature to both XXXX and Fair collections. Their response was " it is accurate and we are not obligated to validate or respond to you '' ... see attached proof this is illegal collection now they are calling me at home, work and my parents threatening to take me to court. this needs to be stopped!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-11

Austin, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-09

Aurora, CO

Written notification about debt

Debt collection: I do not know

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

Timely Response

2017-12-08

Springfield, OH

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-08

Patterson, MD

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: This debt was sold to a collection agency that is not licensed in maryland and should not be reporting to my credit. I am a Maryland resident.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-06

Stanford, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: Never sent me validation that I owe this debt. Only a copy of lease and keeps reporting it as negative on my credit reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-06

Stanford, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: Asked for Validation not verification. Validation was never received so this debt was never validated as belonging to me. Please remove this account from all 3 of my credit bureaus files.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-05

Desoto, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-12-01

Piscataway, NJ

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

Timely Response

2017-12-01

Broadway Manchester, CA

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

Timely Response

2017-11-27

Foothill Ranch, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: # 1. Not doing due diligence and debt verification - even after repeatedly showing discrepancies in the collections amount. # 2. Encouraging me to pay up disputed amount Encouraging me to pay because I am receiving a 30 % discount # 3. Detail emails questioning validity of the collection amount sent on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. No response. # 4. Called walked thru the discrepancies XX/XX/XXXX - received acknowledgment the agency understood what I was talking about. I am disputing the amount that added up to {$540.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-23

Wonder Lake, IL

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: This company Fair Collection and Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX could not verify a invalid debt that was put on all three of the credit agencies preventing me from obtaining housing and credit to better my life. They couldnt verify the debt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-11-17

Crofton, MD

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

Timely Response

2017-11-16

Juniper Hills, CA

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: I rented a house with 3 other individuals from XXXX XXXX XXXX in XXXX, CA in the year XXXX, 2 of the roomates left before the lease was up so I was forced to leave because I could not pay the rent alone with the 1 roomate who was left. I made several attempts to contact property management to explain what happened and return the keys. We ended up going to court with the company after they " evicted '' us, although neither of us were no longer living at the property, we explained what happened to the judge he told the property manager to go to the house and make sure the house was not damaged. We returned to court a second time, the property manager reported the house was in good condition and he dropped the law suit without prejudice. Months later I am being charged for over {$10000.00} in damages to the home. I tried resolving the problem with the original company and they claim to not have my file and neither do their corporate office. I then went straight to XXXX and sent my supporting court documents of the results of the case and they were able to remove the collection. I attempted to also dispute with XXXX but they are claiming they can not do anything, that I need to have the company remove it from my credit report, even though i explained to XXXX that I have already made numerous attempts to do so with no success. I am at a loss of what options i have left to remove this from my credit. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response