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 2
2019-09-12
Cartersville, SC
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: On XX/XX/12 I applied and was rejected due to FCO reporting FALSE information. I contact the supposed creditor and they could NOT validate my information. I emailed FCO over 20 times and have yet to receive a response. I called them with the original creditor on the phone and they also spoke without me on the phone, but yet nothing has been done! These frauds are causing me emotional and financial trauma due to their fraud!
They are also REFUSING to provide me with the information they have.. instead insisting that I send them information.. These fraudsters just want my real info so that they can adjust in their system! how can you have a different social than the original creditor?? THAT'S BLATANT FRAUD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-12
Juniper Hills, CA
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: I am requesting assistance with issues with XXXX XXXX and Fair Collections & Outsourcing regarding a single family home I rented at XXXX XXXX XXXX XXXX., XXXX, California XXXX from XX/XX/XXXX to XX/XX/XXXX. Uploaded with this complaint are the following items for your review, and for which I am requesting assistance with : 1. XX/XX/XXXX letter from XXXX XXXX demanding payment of unlawful charges.
2. XX/XX/XXXX letter from me to XXXX XXXX disputing the charges.
3. XX/XX/XXXX letter from Fair Collections & Outsourcing, representing XXXX XXXX and demanding payment of the disputed charges.
4. XX/XX/XXXX letter from me to Fair Collections & Outsourcing and XXXX XXXX demanding a response to my initial disputed letter of XX/XX/XXXX.
All of the above items have been uploaded with this complaint.
There are several bottom line issues here : ( 1 ) XXXX XXXX inspected the property without first providing notice to or the opportunity for me to be involved in the exiting walk through ; ( 2 ) there were no receipts or photos of the alleged claimed damages provided to me upon my request ; and ( 3 ) after the charges were disputed, XXXX XXXX disregarded my letter of dispute and sent the account directly to collections.
I am requesting any assistance that you can provide. All of my contact information can be found on my letterhead in the attachments. My email address is XXXX. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-11
Washington, DC
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX I received email alerts from XXXX, XXXX & XXXX that Fair Collection & Outsourcing was reporting a " Collection '' debt in the amount of {$8100.00} from a creditor name ( XXXX XXXX ) opened XX/XX/XXXX.
I recently visited the XXXX XXXX XXXX XXXX ( Management Company for XXXX XXXX ), as I have never heard of this company or done any business with them. The Property Manager ( XXXX XXXX ) have stated they have no records of me leasing with them in XX/XX/2019, or me owing a balance with them. I have also visited the same day the XXXX County court house in XXXX, MD to see if I have a public judgement of any kind ( which would have been reported on my credit report by XXXX XXXX if I owe them ) but there is no judgement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-10
Silver Spring, MD
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
2019-09-05
Brandon, MS
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-04
Cheverly, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: fair collections and outsourcing reported a fraudulent account on my credit reports with all 3 credit bureaus. they have continuosly harrased me for about 6 weeks calling leavinf voicemails and numerous calls throughout the day about this debt supposedly owed to apartment complex XXXX XXXX XXXX. I was in no lease the lease was up and I decided to move because the new rent charges were aittle too t expensive and I couId n't afford to pay XXXX for a new lease. I have provided them with accurate and supporting documentation to support this debt that is not owed. I have provided them with the notice to vacate the premisis and they failed to provide this documentation to the apartment complex and said it was my debt and I need to pay it. Mr. XXXX XXXX was handling this case and have and still harrases me on a daily basis.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-04
Patterson, MD
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: When I left XXXX XXXX apartments the property manager told me that they had already rented my apartment and said I don't owe any lease termination fees or any additional months of rent. She told me I owed nothing.
I never received any bills from XXXX XXXX or anything else and suddenly this appears on my credit report from Fair Collections and Outsourcing and has made a huge negative mark on my credit.
I do not owe XXXX XXXX anything and this debt is invalid and not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-03
Springfield, VA
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
2019-09-03
Oxford, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: Debt reported on my credit report XXXX XXXX,2016 for {$2800.00}. I request all records pertaining to actual debt to prove debt belongs to me, including my signature on original account application. Date of first delinquency with original creditor that led to collection. Date they purchased the debt and right to collect. I request debt account removed from my credit report. I have yet to receive any of the above documents and account remains on my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-28
Burr Ridge, IL
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
2019-08-28
Santa Monica, 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
2019-08-27
Grosse Ile, MI
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: I have a debt reporting on my credit for an account that is not mines. I have no knowledge to where this debt originated from nor have I authorized anyone else on my behalf. This debt does not belong to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-26
Louisville, KY
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I contacted the company they refused to validate the debt, or remove the item.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-25
DC
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: The original debt was part of a court case in DC XXXX XXXX, XXXX XXXX, XXXX LTB XXXX. It resolved around landlords accusation of rent owed and tenants countersuit of discrimination based on XXXX orientation and disabity, plaintiff not providing a safe environment and other issues. The case was originally settled and I have in my possession a letter from XXXX XXXX XXXX, the original creditor, dated XX/XX/XXXX stating that rent was paid up to date. The case was then dismissed by the original creditor between XX/XX/XXXX and XX/XX/XXXX. There was no additional court filings by the original creditor and neither myself or my attorney 's have heard from the original creditor since.
In XXXX of XXXX, I learned of a collection on my credit report from FAIR COLLECTIONS AND OUT. I had not received anything from them prior to this discovery. I filed a dispute with XXXX XXXX and apparently Fair Collections provided proof that the debt was accurate. If they in fact have documentation stating so, it is fraudulent.
Again, the court case surrounding this debt was dismissed by XXXX XXXX XXXX and XXXX XXXX XXXX never contacted myself or my attorney 's after the dismissal. Any claim of debt owed to XXXX XXXX XXXX would require specific documentation mailed with a itemization of supposed debt, allowing myself to dispute any claim, per DC Landlord/Tenant Laws.
The account at Fair Collections, opened XX/XX/XXXX is only approximately 30 days after the original court case was dismissed. This short time would not provide the time for any legal procedure for the claim of debt owed and response, if such a claim had actually been received. I have received nothing from the original creditor or from Fair Collections and Out regarding any supposed debt owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-21
Box Canyon, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-21
Box Canyon, CA
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-13
Cibolo, TX
Attempts to collect debt not owed
Debt collection: I do not know
Debt was result of identity theft
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-07
IL
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Complaint: A collection was listed on my credit report from Fair Collections and Out on XX/XX/2019. This company did not send me a dunning letter or any type of communication to give me an opportunity to dispute the validity of this so called debt. The amount listed does not coincide with any amounts that I may owe.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-06
Plymouth, FL
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: On XX/XX/XXXX, I moved from a apartment complex called XXXX XXXX. Upon moving out I was advised I owed XXXX dollars. Two years later approximately I received an alert from XXXX XXXX, advising me I had a collection item on my credit upon research I found FCO had put a collection item on my report. I immediately contacted both the leasing office and apartment complex to find out why I the debt was not communicated with me as per my consumer rights. No answer was given, instead I was told if i paid {$150.00} it would be removed. I obliged due to the amount and as I wanted the item removed. I am sad to say its XX/XX/XXXX and up to todays date FCO has not removed the item as their previous rep advised me ; and I am being denied credit due to this delinquency. Which lenders are citing as a reason to deny me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-02
Watkins, CO
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I had a lease that i had to break because i was diagnosed with XXXX and had to move for treatment. I sent them a letter but because the letter wasn't certified then they said i couldn't break the lease. They did rent it out after i moved out though and then charged me XXXX to a collection company.. They have refused to send me a letter detailing why it was so high. I've tried to negotiate and resolve the matter to no avail and it is now keeping me from buying a house. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-08-01
Lake Charles, LA
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
Complaint: Upon pulling my credit reports, I noticed a company, Fair Collections and Outsourcing, placed an account in the amount of {$3100.00}. I disputed this information as I thought it was inaccurate. After receiving the validation the sent. I reached out again to inform them that this was not my account. The company never responded and the validation didn't have any proof of signature or identification that matched mine. I'm unclear if it is a company mistake. I believe this is identity theft and would like this promptly removed from my credit files. This account is hindering my credit health.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-30
Hornell, NY
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I received a collection notice in the amount of {$1400.00} USD from Fair Collections Outsourcing located at XXXX XXXX XXXX # XXXX, XXXX, MD XXXX on behalf of XXXX XXXX in XXXX, Michigan. I received this notice by mail at my residence in NY on XX/XX/2019. I responded by phone on XX/XX/XXXX to get more information about the collection, at which time I confirmed the correct mailing address of my residence in New York. I did not believe the amount of collection was correct and mailed a letter indicating dispute of this amount on XX/XX/2019, as is within my rights under the Fair Debt Collection Practices Act. FCO was obligated to verify the debt before reporting the collection to my credit agency, but did not do so. A representative of FCO, XXXX, told me in a telephone conversation on XX/XX/2019 that the collection was reported to the credit bureaus on XX/XX/XXXX. This is less than the 30 days allotted for consumer dispute. In a recent telephone call with FCO a representative indicated that the verification letter that they sent was mailed to an address where I do not reside in CT, rather than my updated address which was given in XXXX. FCO proceeded to report the collection and failure of payment in the amount of {$980.00} to the credit bureaus without providing me with adequate verification in response to my collection dispute. {$980.00} is the correct amount of the collection, which was paid on the same day as I was made aware of the revised debt. As a result, my credit score fell significantly. Upon contacting FCO to notify them that their practices were in violation of the FDCPA they refused to delete the erroneous collection report that was forwarded to the collection bureau. I believe that it is injurious and malicious to have reported my collection before the 30 days that is allotted for a dispute, attempting to correct an amount grossly larger than the true debt, and refusing to correct a mistake that was reported to the credit bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-30
Ft Myers, FL
Threatened to contact someone or share information improperly
Debt collection: Other debt
Contacted you after you asked them to stop
Complaint: On XX/XX/2019 the company called my work phone after I had requested them not to in a previous phone call last month. I filed a complaint after that phone call for threatening language about my job. They lied about the transcript. And now they have called my work line again, knowing it is a work line and is not private. It is a shared phone line located on a coworkers desk in a roomful of people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-20
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Other personal consumer report
Public record information inaccurate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-07-17
Hinkley, CA
Attempts to collect debt not owed
Debt collection: Other debt
Debt was paid
Complaint: This company reported on my credit without first sending me a notification in the mail or giving me a chance to validate or dispute. I didn't find out until it had already been on there for over 6 months.
I send a dispute to all 3 credit bureaus, it came back verified. So I requested a Debt Validation from the collection agency. They were not able to properly validate that the balance was accurate, that the contract was accurate or that they owned the debt. But they still kept it on my credit.
I've now disputed it with the credit bureaus 4+ times and disputed it directly with the collector 4+ times and nothing has been resolved.
I do not owe any debt, this is for an apartment that I moved out of and I paid in full. Any additional charges are not charges that are legally able to be charged or that can be shown to be 100 % accurate. They are charging interest on a debt that isn't even owed, how is this legal or possible?
I was denied for a home loan and for a rental property because of this inaccuracy. This is willful non-compliance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation