FAIR COLLECTIONS OUTSOURCING, INC.

2019-07-12

Ft Myers, FL

Communication tactics

Debt collection: Other debt

Used obscene, profane, or other abusive language
Complaint: XXXX XXXX from FCO debt collectors called me on a shared work phone in the middle of an office full of people and when I told him it was a work phone, refused to stop interrogating me. He told me that I had to call him on my lunch break in order to not endanger my employment. This felt like a threat. I also felt highly embarrassed as everyone in my office could hear the entire conversation. Further I have evidence the debt is not valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-10

Washington, DC

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

2019-07-08

Roswell, GA

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

Timely Response

2019-07-04

Saint Paul, MN

Threatened to contact someone or share information improperly

Debt collection: Other debt

Talked to a third-party about your debt
Complaint: FCO Fair Collection Agency Has contacted me several time trying to collect a deb on a property back inXX/XX/XXXX that by the original creditor I am no longer financially obligated, A letter was provided to the collection agency after requesting validation of debt, I contacted this creditor several time including XXXX to request for them to stop calling my office and my family and friends, After speaking with one of the financial complaint officers After scream at me and using offensive language, he advised that he's only job was to make sure this debt was collected and he did not have any time to resolve or canceled or clarify this error. requested original signatures validation of debts and this documentation was never provided to me. On XXXX XXXX XXXX was contacted at XXXX by this collection agency demanding and requesting my personal and new home address and telephone number, when the collector was asked about my debts the information was provided without my authorization. I contacted FCO and they continue to treat me over the phone like they did not have record of me contacting them.. I submitted proof and all necessary documentation releasing me from this collection account credit B removed this collection twice from my report after investigation was initiated, and they continue with harrasing me over the phone. I have communicated to this collection agency that I have file a complaint and they respond was, ( EVERYONE CAN FILE A COMPLAINT WE DON'T CARE BECAUSE THIS AGENCIES NEVER RESPOND )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-01

Amherst, MA

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

2019-06-29

Marlboro, MD

Written notification about debt

Debt collection: I do not know

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

2019-06-28

Key Biscayne, 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

2019-06-27

Bell Canyon, CA

Attempts to collect debt not owed

Debt collection: I do not know

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

2019-06-27

Westfield Ctr, OH

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I retired, down-sized and moved to the XXXX apartments, XXXX XXXX XXXX, # XXXX, XXXX OH XXXX ( XXXX XXXX XXXX ) onXX/XX/XXXX. I paid my rent on time every month during the time I resided there. On XX/XX/XXXX, the lessor raised the " utility service fee '' via an undated notice that was hung on my door. However, the rental contract ( utility services addendum ) requires the lessor to provide at least 30 days ' notice before implementing a fee increase. That is a material breach of contract by the lessor. I confronted the lessor 's property manage onXX/XX/XXXX and again on XX/XX/XXXX when I paid my rent for that month. At first, she denied the infraction, but later acknowledged it, blaming it on a temporary employee. She also acknowledged receiving numerous complaints about the issue from other tenants, which I confirmed in conversations with two of my neighbors. The property manager declined to rectify the situation, at which time I told her that I would terminate my lease early and without penalty because of the lessor 's material breach of the lease, which she acknowledged. After I gave written notice of intent to vacate on XX/XX/XXXX and moved out before XX/XX/XXXX ( my rent was paid in full through that date ) following their material breach of the lease, I received no further communication from the lessor. I did provide the lessor my forwarding address, email address and phone number. Then on XX/XX/XXXX, I received a bill in the mail from a collection agency, Fair Collections & Outsourcing ( XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX MD XXXX ), for {$1000.00}, identifying the Woodlands and XXXX XXXX XXXX as the creditor. Note again that I never received a bill from the lessor in the first place. It is also customary practice not to turn over debts to a collection agency until 90-180 days have passed. Furthermore, XXXX has, of this writing, committed multiple violations of the FDCPA, including calling both my mother and sister and failing to identify himself and his employer when requested. The caller 's number, XXXX, has been verified as XXXX 's number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-25

Benbrook, TX

Attempts to collect debt not owed

Debt collection: I do not know

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

2019-06-24

KS

Incorrect information on your report

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

Account information incorrect
Complaint: XXXX third party utility company billed me twice with electric charges and I was being billed by the electric company as well. They sent it collections to XXXX for {$570.00} the amount is incorrect. I ask to update my bill so I can pay it they just sent it to collections
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-24

Potomac, MD

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

2019-06-20

Colo Spgs, CO

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: I contacted the original lease company about the debt and found that my social was NOT on the contract. I am a XXXX and the XXXX has the debt. The collection company found my social ( without the lease company the debt is from ) and has been contacting me for the money. I contacted them to express it is not mine, and they insist that I must jump through hoops to get my social removed including an identify theft report that is not necessary because my social was NEVER used for the lease. I contacted the original company to confirm that my social was still not associated with this debt, and they again confirmed and forwarded to the debt company that it is not me. They have contacted me again and will not correct THEIR mistake and illegal look up of my social and credit scores. ( The woman from the debt agency told me that she had every right to look up my credit score without my consent after illegally obtaining my social security number )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-20

Manhattan, NY

Took or threatened to take negative or legal action

Debt collection: Other 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

2019-06-20

Kansas City, MO

False statements or representation

Debt collection: Other debt

Attempted to collect wrong amount
Complaint: I received a move out bill dated XX/XX/2018 from XXXX XXXX XXXX The Residences at New XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX MO XXXX on XX/XX/XXXX for {$450.00}. I responded to the letter, notifying them why I was only paying {$71.00}. They never scheduled a move out walkthrough with me. They charged {$340.00} for carpet replacement. i lived there for 39 months. Normal wear and tear. I never heard back from them. I received a bill from FCO that was dated XX/XX/18 in the amount of {$830.00} more than double the bill they sent me. As i stated, the only bill i received was dated XX/XX/18 for {$450.00}. I contacted FCO on XX/XX/XXXX and emailed them my bills and what the situation was. They said they would speak with XXXX and get back to me. I have not heard anything to date but now know there are other residents that experienced a similar experience as mine. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-20

MD

Incorrect information on your report

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

Old information reappears or never goes away
Complaint: My balance has been paid and closed at FCO. This has been removed from XXXX and XXXX although XXXX is not willing to remove account that has been closed and PAID. They simply want to be stubborn and refuse to have it removed. A representative from XXXX has expressed that someone from FCO stated " do not remove '' from XXXX. Why not? This account has been PAID and CLOSED. Why is XXXX the only credit bureau that does this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-17

Cheverly, MD

Incorrect information on your report

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

Information belongs to someone else
Complaint: On my rental history, there is a collection account that I never opened I never rented with the promenade red apple town center, this is a fraudulent account that was open under my name, identity was stolen
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-17

Soquel, CA

Written notification about debt

Debt collection: Other debt

Didn't receive notice of right to dispute
Complaint: FCO has reported a collection on my credit report this year. I had no idea that I had a collection because I pay all my bills on time. I reached out to FCO who collected all my personal info, confirmed my address with them then stated their harassing calls to my home and work demanding a payment. I never received any collection letters I didn't know I could dispute the amount ... I finally gave up and agreed to pay the amount in lieu of deletion. FCO agreed to settle but did NOT issue any settlement letters or deletion letters. FCO told me they would only issue a deletion letter if I paid immediately over the phone, which I did. Now they are refusing to issue any letters or to delete this account in its entirety from my credit report. I paid but didn't get what we agreed on. Still no letters from them, please help ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-14

TX

Attempts to collect debt not owed

Debt collection: I do not know

Debt is not yours
Complaint: This account was paid by my insurance, they keep insisting that I didnt pay. I had XXXX and was given a paper to sign right before I went into XXXX with a XXXX XXXX. This is not ethical or lawful for that matter and consider this fraud!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-14

Key Biscayne, FL

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I have disputed this account, because it is inaccurate, I have also requested validation of the debt. In communication with the XXXX XXXX and XXXX, I made the process, having no results and return this account as verified, formally request, debt validation, instead XXXX XXXX responds with a letter, to send you a copy of my report credit and underlining or mark the errors, is not only that, is to request verification with documents that carry my signature and did not respond to it. According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. I demand to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that you have on file for the account listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-06

Wesley Chapel, FL

False statements or representation

Debt collection: Mortgage debt

Attempted to collect wrong amount
Complaint: I was renting an apt unit at their location called XXXX XXXX XXXXXXXX XXXX we moved in and we notify the manager XXXX we need to move out due to the apt ws unfit for me and my family it was not what they have promised us, the apt was dirty at the time we moved in the floor was damage the carpet upstairs has other people hair they claim they clean it but we feel they did not and also the laundry machine and the dryer was placed in the kitchen it is unsafe and health code violation to have this unit inside the kitchen next to the stove top when the dryer is running it will blew dust in to our kitchen area and created unsafe and not sanitary for our family to live on the stairs was hard for me to walk up I had fell multiple times while living there for the month so then we decided to move out gave the keys to manager XXXX sometimes on XX/XX/2019 and relayed to him and we left and told him to fix it before we can move back in he stated to our family he will have the collection company to make us pay him {$7000.00} after we left we were so upset that this company refused to work with us and so on XX/XX/2019 we contact him and asking him we will be willing to stay and work with him as long he promised us he will get these issue fix manager XXXX said we don't want to work with you and we send these penalty fee to our company XXXX XXXX to collect {$7000.00} from you and he said he already rent our place to someone else who will soon be moving in fyi knowing XX/XX/2019 rent has already paid in full at the time of move in, also we disputed this with him on XX/XX/2019 there for it is still the month of XX/XX/2019 and we still should have rights to continue our lease and it is still XXXX this is not XXXX there for this is a way of this co. collecting money {$7000.00} and yet they went and found new tenant within 24 hours and trying make us pay there for remove this now this is your scam your place was unfit for our family there for your co breached the contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-06-04

Lubbock, TX

Incorrect information on your report

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

Old information reappears or never goes away
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-05-31

Albuquerque, NM

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

2019-05-31

Glendale, CA

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

2019-05-31

Crowley Lake, CA

Written notification about debt

Debt collection: Other debt

Didn't receive enough information to verify debt
Complaint: I noticed Fair Collection And Outsourcing ( A debt collector ) listed on my Credit Report who is attempting to collect on a debt that is the subject of pending litigation in XXXX XXXX Case # XXXX with the original creditor. I am writing this complaint because this company simply inserted this on my Credit Report without giving me any notice or any information. This is a violation of the Fair Credit Reporting Act FDCPA. I am also requesting that this company not call me and to communicate by mail only. This debt is inaccurate and can not be verified because the information provided by the orignal creditor is false.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response