FAIR COLLECTIONS OUTSOURCING, INC.

2017-02-04

Warrenton, VA

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
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

2017-02-03

Darnestown, MD

Incorrect information on credit report

Credit reporting:

Information is not mine
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

2017-02-01

Park Forest, IL

False statements or representation

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

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

Disputed: No Timely Response

2017-01-31

Cheverly, MD

Incorrect information on credit report

Credit reporting:

Account status
Complaint: The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my XXXX year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. Fair Collections and Outsourcing XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Account # : XXXX Balance Stated : {$4400.00}
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

2017-01-26

Columbus, OH

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: My lease was ending on XXXX2015.. My boyfriend and I personally gave the property manager a 60-day notice that were leaving..The stay at XXXX XXXX was very XXXX and we had no security there. Therefore, while my boyfriend and I look for homes to move into ... sometimes my sister come to stay on and off until we find a new home. My sister and I personally went to tlk to property manager about having her take over my lease until it ends XXXX2015 ... Property manager XXXX had my sister do an application and pay for app fee ... My sister did all of that she got approved to stay until lease is cancelled ... .We all tlk about renewing it and I verbally told property manager no thank you I found a home and do n't want to cosign for my sister..Therefore, property manager told my sister she needs to find a Cosigner if she wants to renew the lease but if she cant find one then the lease is cancelled ... I told property manager find with me because were moving soon ... .In which we did right after my sister was approved we moved in our new home XXXX XXXX, 2015..I have proof when we legally signed papers on moving into our new home and my sister has paperwork when she legally signed to tke over my lease until XX/XX/2015 ( end ) ... I have proof of all my rent reciepts and my sister has proof for rent reciepts too. Last of all, I got information for a collection agency about breaking a lease and I owe money etc ... Im just confused bc i gave them 60 day notice in person and verbally said im leaving and that Im not cosigning for XXXX or renewing my lease. Now all XXXX of our credit is damage and I just want to figure how to fix this fast.
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

2017-01-25

Silver Spring, MD

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: I never received a statement from original creditor and I believe that this is not accurate, I send them different letter and they never reply, I hope this is not a fraud, it ' s affecting my credit score, I also contacted the XXXX credit bureau, XXXX and XXXX deleted only XXXX keep reporting with what kind of proof??
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

2017-01-23

Manhattan, NY

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

2017-01-23

Sacramento, CA

Communication tactics

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

Called after sent written cease of comm
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

2017-01-23

Bremen, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This account is reporting on all XXXX of my credit bureaus and its not mine. Despite numerous attempts to contact them to get it removed they are still reporting it on my credit. This account is n't mine and I need it to be removed ASAP.
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

2017-01-20

PA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: In XX/XX/XXXX, we ( my roomates and I ) were contacted about debt that we owed regarding move-out charges on our apartment that our security deposit did not cover. The total amount in dispute was {$7500.00}. We ask for verification of the debt and the credit collection agency provided details regarding the debt. All of the debt was related to replacing our XXXX square foot hardwood floor. However, we did not have XXXX square feet of hardwood floor. Within our 30 day response period, we sent the company our floor plan which shows XXXX square feet of hardwood floor. The credit company ignored the evidence which would have reduced the bill by {$2000.00}. They also sent us information on XX/XX/XXXX which coincidentally increased the debt by {$2000.00}. The net affect would be XXXX reduction in debt ( we reduced our debt by {$2000.00} so they increased it by {$2000.00} ). We called the debt collection company 2 days later on XX/XX/XXXX and they said they already reported us to the credit card companies. They did not give us 30 days to response. In my point of view, they have the wrong apartment since our floor plans do not match or they are making up debt because they know how much money they need to make. This {$2000.00} worth of debt did not exist until we showed them proof that this was not our apartment.
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

2017-01-17

Stevenson, MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I called the collection agency and this debt was not able to verified accurately. They will not able to verify this debt. When I moved out I had no balance and I would like this debt 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

2017-01-17

Patterson, MD

False statements or representation

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

Attempted to collect wrong amount
Complaint: To the Consumer Financial Protection Bureau : I XXXX recently filed a CFPB complaint against a national collection agency that specialized in the collection of unpaid rent. This agency send a compromised offer, but they did not expose the truth of my arrangement with The XXXX apartment complex. I hereby attach a copy of an email between myself and XXXX, Assistant Property Manager at the apartment complex in question. My move out from this complex was requested professionally as I was facing a family crisis back in XXXX State, and the ownership was understanding and agreed that I would only be responsible for the days whereas my apartment was nor re-rented, but that the management would advertise the apartment for rent immediately. The email response I have posted on this complaint shows that XXXX apologized that he was sorry the apartment was not advertised, and that he would not charge me for this mistake. This response concludes any argument that I owe anything towards the Fair Collections & Outsourcing , Inc . In addition, the settlement offer by FCO is hereby void, mainly because there is no lease termination fee in the entire lease, as posted for your review. This entire collection is a violation against my rights under the Fair Debt Collection Practices Act, the leasing by-laws of the state of XXXX, and since FCO posted the collection on every credit bureau, a serious violation of the Fair Credit Reporting Act. FCO has acted devious by adding charges to an invoice that are not included in my lease, and the fact remains that my move was amicable and the management of XXXX agreed that I was not going to be charged for the apartment post move. FCO must file a removal of the case and send removal letters to all pertinent credit reporting agencies on behalf of XXXX and XXXX respectively.
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

2017-01-14

Lawrenceville, GA

False statements or representation

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

Indicated committed crime not paying
Complaint: The property management company of where I once lived sent my outstanding rent balance to collections. I now have a collection item on my credit report for {$5300.00}. The reason I stopped paying rent at this location -- and I disputed this in court -- was because the property management company refused to make the maintenance repairs that I requested, after countless complaints. The repairs needed began to affect mine and the other tenants ' quality of living, one tenant being a XXXX year-old child. I began the escrow process, and even after the judge and city code enforcememt ordered the property to make the repairs, they still did not. I was eventually evicted for non-payment. I was a model tenant and up until the time I stopped paying rent, I had paid my rent every month ON TIME and OVER the amount due. I am requesting to have this item removed from my report, as well as from the report of the other tenant who was on this lease, 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

Disputed: No Timely Response

2017-01-10

Silver Spring, MD

Disclosure verification of debt

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

Right to dispute notice not received
Complaint: I requested a verification from Fair Collections & Outsourcing after noticing a collection notice on my report. Now they have listed the debt as late payment on my credit report. This is a communication tactic they are using to get me to admit and settle this 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

2017-01-09

Silver Spring, MD

Disclosure verification of debt

Debt collection: I do not know

Not given enough info to verify debt
Complaint: Requested a verification of the debt and did not get one. Instead i get a negative remark placed on my credit report for late payment. I never owe this company and it is unfair to place a negative remark on my credit report without verifying the debt. My credit score was impacted by this.
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

2017-01-05

Hillsdale, NJ

Disclosure verification of debt

Debt collection: I do not know

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

2017-01-04

Aurora, CO

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: Yes Timely Response

2016-12-29

PA

False statements or representation

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

Attempted to collect wrong amount
Complaint: I recently paid a debt of {$160.00} from 2012 against my principles to the XXXX XXXX of properties, specifically the XXXX at XXXX XXXX. The reason for this charge was because they raised my rent, converting me to a month-to-month lease while I was on XXXX XXXX with the XXXX XXXX stationed at XXXX XXXX, MD. I was in the XXXX Transition Unit at the time, recovering from XXXX. My orders were modified three different times, altering my discharge date. I informed the front office of this and provided a copy of the orders. I offered to sign a lease, but was told it was n't necessary since I was in the military. Later, the property manager informed me that since I had not renewed a lease that I was to be placed on a month to month basis at a higher rate. I informed her at the time that I offered to sign a lease but was told it was n't necessary. This debt still exists because I do not agree with this business practice. I have certainly had the means to pay, but I felt it was wrong and also it is in direct violation of the Servicemans Civil Relief Act, which is supposed to prevent companies like XXXX from taking advantage of military members that are being housed temporarily due to military service. Unfortunately, my financial well-being has been damaged for too long as a result of this, so I am reluctantly paying the {$160.00}. I 've reported this behavior previously without it being resolved. The XXXX XXXX should be ashamed to earn money in this bait-and-switch fashion. In my opinion they should be investigated ; violations of SCRA are criminal penalties. Taking advantage of members of the military is about as low as it gets.
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

2016-12-28

Glendale, CO

Improper contact or sharing of info

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

Contacted me after I asked not to
Complaint: I sent a certified letter on XX/XX/XXXX ( received and signed for on XX/XX/XXXX ) requesting they only contact me via mail and on XX/XX/2016 I received a phone call and subsequent voicemail from this company. I also requested verification of the alleged debt and all I received was a " Disposition of Charges '' that did n't tell me anything.
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

2016-12-26

MA

Taking/threatening an illegal action

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

Attempted to/Collected exempt funds
Complaint: Enclosed is a letter with information that I sent to a collections company that was and is looking to collect a fraudulent loan that is fraud, bad faith, and done with a modus operandi that violates regular rules of collections and finance law. See letter below that was sent to Finance company.
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

2016-12-23

Tarzana, CA

Communication tactics

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

Frequent or repeated calls
Complaint: They call my phone numerous times between XXXX and XXXX. I have told them to stop calling and sending letters and they refuse to do so!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-16

Key Biscayne, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I have no knowledge 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

Disputed: No Timely Response

2016-12-15

Aurora, CO

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-12-15

Dallas, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.
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

2016-12-14

Washington, DC

Communication tactics

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

Called after sent written cease of comm
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response