FAIR COLLECTIONS OUTSOURCING, INC.

2017-05-19

Magnolia, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt is not yours
Complaint: In XXXX , I called this debt collector to state the the debt was not mine, and I did not owe them. They failed to send me any documentation proving that the debt was min e ( no contract ). I never heard anything back from the and 30 days had already passed. Representative I spoke with claimed they did not have to prove it, which was a absolute lie.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-19

NV

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: I have been calling and trying to understand and properly negotiate the debt. After speaking with the issuing company I was directed to the collection agency. The person I spoke with in the fall was rude demeaning and lied. She made fun of me for how much I could afford to pay and even said it was a joke, and not a legitimate amount given how large my balance was. She then told me I was refusing to pay, so I paid the only amount I could, a few hundred dollars. I have not refused to pay and I can not believe the way I have been made to feel. Is it ok for people to make you feel poor and like a bad person? I am trying to deal with the debt like a civilized person and the company is making me feel like I am worthless. I am a United States XXXX Veteran , and I do not need people over the telephone harassing me in order to get more money from me. It is rude, predatory and it really makes my blood boil. Can you imagine how I feel after falling behind on my bills and then being told I am good for nothing, even after I made a payment? The next person I spoke with was not as rude but still told me my payments were amusing and that I was going to essentially be punished if I did n't pay.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-19

New Orleans, LA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I signed the lease XXXX XXXX XXXX I looked at the apartment it was not ready to move in, I was assured that all the issues would be taking care of ASAP. She call me XXXX XXXX XXXX said that they would be painting the apartment and taking care of the filter and the door. I just back every day and every day they assure me it will be taken care of the next day. On XXXX XXXX XXXX , I send a notice to vacate because the apt was not ready for me to move in. I returned all keys and parking passes. I never received a copy of the lease and every time XXXX XXXX XXXX went to sign the lease the property manager was not there. On XXXX XXXX XXXX , I get a called from the property manager stated that I was being evicted for non-payment of rent. I explain to her that I did not live there and sent her all the documents and email her and ask to take care of this. Then on XXXX XXXX a collection show up on my credit reports from FAIR COLLECTIONS AND OUT XXXX XXXX XXXX XXXX XXXX , MD XXXX ( XXXX ) XXXX {$4900.00} I contact the company sent all my information. Then they just sent me an email stating that the property manager stated that I did not notify them until XXXX XXXX XXXX , which you can see was not true.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-16

San Francisco, CA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: XXXX XXXX XXXX illegally raised my ren t ( California require s 30-days notice for any rent increase. I recieved 0-days notice ) I e mailed them and they agreed not to charge me the rent increase so long as I moved within 30 days. At the end of the month they sent the increase in rent to collections instead. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-16

Newnan, GA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: XXXX XXXX XXXX in XXXX , GA located at XXXX XXXX XXXX XXXX , GA XXXX placed a debt collection on my credit report without my knowing. All payments were up to date contingent my roommate and I moving from the property in XXXX of 2015 . The Apartment complex nor the collection Agency has contacted me in the time since then concerning the situation, I was not aware until I pulled my credit report recently. I have tried to reach out to XXXX XXXX numerous times and have not been properly assisted, when I finally was able to have customer service I was told that they are under new management from the time of my stay, and the property could not help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-16

MA

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I disputed an inaccurate amoun t ( {$2000.00} ) being reported by Fair Collection and Outsourcing. I t came back as verified however, I nor the credit reporting bureau did not receive any type of documentation proving said account/amount is valid. I was told by XXXX at XXXX that all the company has to do is say the account is accurate and it gets reported. That 's just like saying XXXX owes me {$500.00} just because I said so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-16

Baltimore, MD

Attempts to collect debt not owed

Debt collection: Other debt

Debt was already discharged in bankruptcy and is no longer owed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-15

Houston, TX

Attempts to collect debt not owed

Debt collection: Other debt

Debt was paid
Complaint: This collection is being reported by Fair Collections and Outsourcings on my wife and I 's credit report. This began as a fraudulent charged from its outset. My wife and I were ch arged by an apartment complex ( XXXX XXXX , XXXX , TX ) {$170.00} for " cleaning and resurfacing '' after we left in late XXXX XXXX . When we left, the apartment as clean as it could be without actually hiring a cleaning service. The only cleaning that was n't done was dusting the top of the refrigerator because my wife could not reach that portion, and I was at work. We asked the apartment complex ( run by XXXX XXXX ) t o provide proof as to why we owed this amount and they never did so. We also notified the complex that one of the countertops was not maintained properly before we moved in. We put in multiple maintenance requests that were never completed. After no proof was provided by the apartment complex, we refused to pay. After only one month of owing the reported balance, the apartment complex sent the amount to collections, held by FCO , on XXXX XXXX , XXXX . After a few years of reporting to our credit, we decided to dispute the debt. FCO sent back a picture of the original bill stating the debt was verified but no actual proof as to why we owed that amount. We ended up settling the debt in XXXX XXXX , with the impression that the debt would just be cleared but it was n't, and we 'd like them to be removed from our credit 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

2017-05-12

Lewisville, TX

Incorrect information on your report

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

Account information 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

2017-05-12

Fresno, CA

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

2017-05-10

Cedarville, OH

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

2017-05-10

Concord, NC

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

2017-05-10

Mount Prospect, IL

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

2017-05-09

Alden Manor, NY

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

2017-05-04

South Florida, FL

Attempts to collect debt not owed

Debt collection: I do not know

Debt was result of identity theft
Complaint: In response to complaint : XXXX FAIR COLLECTIONS & O ACCOUNT NUMBERs : XXXX XXXX / XXXX / XXXX XXXX XXXX XXXX FL XXXX , XXXX , CA XXXX Phone : XXXX Fax number : XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify FAIR COLLECTIONS & O or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commissions police report Notice to Furnishers of Information. It explains y our responsibilities under the Fair Credit Reporting Act ( FCRA ). The FC RA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commissio n FAIR COLLECTIONS & O acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. Sincerely, XXXX , XXXX XXXX XXXX XXXX # XXXX DOB XXXX / XXXX / XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX , XXXX , FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-05-03

Biloxi, MS

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

2017-04-28

Finksburg, MD

Incorrect information on your report

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

Account status incorrect
Complaint: Hello, My name is XXXX XXXX I rented Unit XXXX XXXX XXXX XXXX MD XXXX Apt XXXX .I re nted an apartment from XXXX at XXXX in XXXX MD. I lived there from XXXX XXXX thru XXXX XXXX XXXX . I ended my lease due to stuff being taken out my apartment. There was no balance left for rent or etc. However, after 90 days XXXX contact me & sent {$840.00} in utilities to collections. I am baffled thattheyare allowed to do such a thing with no regard for past clients. I had utilities turn on in my name on my Move n dat e which was XXXX XXXX XXXX , I faxed a copy & dropped a copy of my bill over to the leasing office upon moving in & out. I was instructed that everything is in order, I had kept electricity on in the unit upon until I moved out. I had to have services turn on prior to moving in and picking up the lease which I did. XXXX is claiming I owe them money when in fact I do not owe them any money. XXXX at XXXX is not a " utility company '' which they clearly state this in their lease on p age ( 10 ). If they are not a utility company how are they allowed to bill me for services wh en I had " Service '' in my name from the local utility provider? I also have a letter from the utility company which states upon me moving out of that address, I had servicesin my name from XXXX until I moved out, and balance is {$0.00}. XXXX sent my name & personal information over to FAIR COLLECTION OUTSOURCING IN MARYLAND a collection agency for whom, I disputed and they just sent me a copy of a lease nothing else. XXXX & Fair Collections have illegally placed a collection account on my consumer credit profile, I have also sent the Collection company a " debt validation letter '' to which they fail to answer any of my request and instead placed this incorrect, negative information on my consumer credit profile hurting my ; XXXX XXXX so much so that it is now affecting my everyday way of life. Please contact me at XXXX .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-27

AR

Problem with a credit reporting company's investigation into an existing problem

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

Problem with personal statement of dispute
Complaint: XX/XX/2017 Fair Collections and Out XXXX XXXX XXXX XXXX XXXX XXXX XXXX , MD. XXXX To Whom It May Concern : Th is letter is regarding account # xxxxxxxxx, which you claim I owe {$4000.00}. This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I hav e ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX , XXXX and XXXX ) from y our company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking a minimum of {$1000.00} in damages per violation for : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) 4. ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : Cc : Consumer Financial Protection Bureau Cc : Attorney Generals Office Cc : Better Business Bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-27

Foothill Ranch, CA

False statements or representation

Debt collection: Credit card debt

Attempted to collect wrong amount
Complaint: - Not a Valid collection - Item was to be deleted with Payment - Item Shows with a dispute Remark on my Credit Report after the Fact it was Resolved and Settled - Amount was n't clear from the Beginning and i disputed to inquire about the correct amount - Representative never got back to me or replied and took it from collection to reported on my credit report - i was forced to settle it because i was denied renting an apartment for my family until i settle this amount - fro m 2015 u ntil XXXX , XXXX and XXXX still shows as a dispute Remarks on my credit report Check Attached file Page XXXX XXXX XXXX XXXX Account # XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2017-04-24

N Highlands, 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

Timely Response

2017-04-21

Garrett Park, MD

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: I am a victim of identity fraud. Since XXXX XXXX , Fair Collections and Outsourcing has filed a collection account in the amount of {$15000.00} against my credit report. I do not own this account nor do I owe any money to their client XXXX XXXX XXXX . To support this statement I 've obtained a letter from their client which state s 1 ) that they do not have any records of my living in their apartment community on the dates that Fair Collections and Outsourcing claim ; 2 ) that they do not show me as owing any balance to their company ; and 3 ) that they have not initiated any collection proceedings in order to collect any debt from me. In XXXX XXXX , I took all supporting documentation, including this letter, to the XXXX XXXX Police Department located in Maryland. Upon reviewing this documentation, the police have concluded that I am a victim of identity theft. I 've since shared a copy of this police report with the Fair Collections and Outsourcing agency, yet they continue to try and collect this fraudulent account. In speaking with their representatives, I am treated in a very rude and disrespectful manner. On many occassions, I have been hung up on and refused service when I insist on escalating this matter to higher management. Today, XXXX XXXX XXXX , XXXX XXXX told me " I will not be transferring your call to my manager ; your account has been validated by our client. '' When I asked for the contact information for their client to have this issue resolved I was refused this information. I 've also asked to speak with their Compliance department which handles the removal of this account from my credit report and again I was denied access to speak to this department. In addition to this complaint, I have also filed a complaint with the Better Business Bureau of Maryland and XXXX . Attached please find the above referenced police report and assist me in my dispute to have this account removed from 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

Disputed: No Timely Response

2017-04-19

Washington, DC

Disclosure verification of debt

Debt collection: Other (i.e. phone, health club, etc.)

Not given enough info 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

Disputed: No Timely Response

2017-04-14

Dacula, GA

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to sue on too old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-14

Dacula, GA

Taking/threatening an illegal action

Debt collection: Other (i.e. phone, health club, etc.)

Threatened to sue on too old debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2017-04-09

Jupiter, FL

Communication tactics

Debt collection: Other (i.e. phone, health club, etc.)

Called after sent written cease of comm
Complaint: FCO claims I owe a debt from an apartment community I had reached an agreement with to move with no charges. Without my knowledge the apartment company filed eviction after I had moved per our agreement. I received calls 3 years ago from a XXXX MD number but never a voice mail. I received no written correspondence either. In XX/XX/XXXX I was turned down for an apartment and learned about FCO on my credit report. I sent a certified return receipt letter on XX/XX/XXXX requesting they validate the debt and I was disputing the debt. From XX/XX/XXXX through XX/XX/XXXX I received twice daily phone calls from FCO. I was not able to answer and they did not leave a voicemail. After receiving no debt validation I sent a follow up letter in XX/XX/XXXX. Once again I began to receive phone calls from FCO immediately after they received my letter. I did not answer the phone as I had sent letters requesting debt validation. I received a word document with charges listed all in XX/XX/XXXX. I finally called them and when I questioned the validity they then sent me the same document but had illegally placed a company logo on the top. This is not the company I rented the apartment. I was told that XXXX the Compliance Officer did not speak to people on the phone also the one time I called. I was asked if I had an attorney and I should get one if I did n't. FCO continually refuses to verify this debt and responded only with this word document. I also forwarded via email to XXXX her communications with another person who she removed the account and cleared the credit report since she could not verify the debt. FCO has recently been sued by the XXXX for these exact illegal practices. XXXX has also been XXXX recently which goes to character. This company uses illegal practices including cutting and pasting a company logo ( the new owner of the apartment complex ) on a word document and mailing it to me. This is mail fraud!! Creating a document, presenting it as genuine?? I just recently sent yet another letter to FCO requesting again that they verify the debt. I do not owe this debt. Please help. I will agree to allow CFPB to publish this so that it may help others about dealings with FCO.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: No Timely Response