FAIR COLLECTIONS OUTSOURCING, INC.

2016-06-03

Gloucester City, NJ

False statements or representation

Debt collection: I do not know

Impersonated an attorney or official
Complaint: This company has not provided any information that this is my debt. They keep sending notices, but have not proved that I 'm owner of this debt. Provide paperwork that I am the owner of this.
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

2016-06-01

Philadelphia, PA

Disclosure verification of debt

Debt collection: I do not know

Right to dispute notice not received
Complaint: Fair Collections & Outsourcing is currently reporting a collection account on my credit report from XXXX. I have no knowledge of this account and i have never rented an apartment from XXXX Apartments. The address has never been a residence of mine and i have no knowledge of this account with them. I was never given a XXXX to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file
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

2016-05-31

Itasca, IL

False statements or representation

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

Attempted to collect wrong amount
Complaint: Hi It was surprising to hear when FCO collection department called me up and started saying I owe $ 5300+ amount for XXXX XXXX XXXX XXXX, XXXX NY XXXX I did tell FCO I do n't owe any amount, I did pay additional {$1000.00} while leaving the apartments before lease breakage and informed that I will share all evidence documents, which I did send on XX/XX/XXXX, after that I told them whenever they contact me do send email communications but never heard back after informing to send emails I shared the Voice recorded message, document that I had signed and shared with XXXX XXXX XXXX , never got response back from collection department. On XX/XX/XXXX No damages were informed by XXXX XXXX XXXX when I called them XX/XX/XXXX and collections department was saying different messages every time they call - I did ask for evidence none of them I have been received I did pay {$300.00} as non-refundable amount which covers for the apartment damages if any I do have evidence documents of lease breakage, voice recorded for the agreed amount proof for {$1000.00} as lease breakage Initially XXXX XXXX XXXX XXXX Manager said for lease breakage pay amount of {$2400.00} ( attached the copy shared by XXXX XXXX XXXX via email ), later after negotiating she agreed for {$1000.00}, the same amount I paid off and left the premises. I left when Leasing office is open and communicated properly before leaving, handing over all keys, shutting off water, Electricty, Internet at XXXX all the information. Even while leaving the premises, handed over the letter took the copy of it ( original is with XXXX XXXX XXXX ) XXXX/XXXX did say " you are good to go '' if any amount is due they would have told me on that day itself there was amount for close to $ 600+ for apartment damages which they were mentioning I did ask for proof but never heard back, I told them based on the evidence document and further evaluation I will pay any differential amount if it exceeds {$300.00}, as I did pay {$300.00} for covering the same to XXXX XXXX XXXX apartments. I tried reaching XXXX XXXX XXXX apartments manager last week and left Voice message never heard back as well Request you to please have this issue closed as soon as possible
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

2016-05-26

Berkeley, NJ

Cont'd attempts collect debt not owed

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

Debt 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

2016-05-15

Briarwood, ND

Cont'd attempts collect debt not owed

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

Debt 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

2016-05-14

Main Office, VA

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Complaint: I applied for an apartment in XXXX XXXX XXXX like three years ago due that I was going to get a job in XXXX it was another person applying with me time went by never heard from their office after about two or three weeks they called me and said that I could get the apartment but I already had decided that I was not going to XXXX anymore so I left it like that a year later I get this collection in my credit because apparently I signed the contract for a year with this company I requested a copy the contract and realized that someone else had singed never lived there do n't even know how apartment looks ive'been in XXXX XXXX for the last 5 years
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

2016-05-12

Garrison, MD

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

2016-05-11

Arlington, VA

Communication tactics

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

Threatened to take legal action
Complaint: XXXX XXXX and I dispute the amount of damages owed me and offsetting rent. Rather than resolve this dispute, XXXX turned over their claim to Fair Collections and Outsourcing for collections. The amount owed is undetermined and unresolved, yet XXXX chose to intimidate me by misrepresenting to FCO that I owed money. XXXX engaged in deceptive business practices, fraud, destroyed my personal property, and committed numerous violations of the XXXX Housing Code. They also accused me of damaging the premises, a claim that is impossible to substantiate due to construction in the building initiated by XXXX themselves. XXXX also removed services and amenities advertised to me when renewing my lease. This constitutes a misrepresentation of material facts on which I relied. This is common law fraud.
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

2016-05-11

Arlington, VA

False statements or representation

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

Attempted to collect wrong amount
Complaint: XXXX XXXX from this agency called to collect an amount that he claims I owed to a prior landlord. This amount is in dispute. The landlord engaged in deceptive business practices and violated the XXXX XXXX XXXX by failing to provide services such as running water. XXXX XXXX repeatedly attempted to question me after I requested that he stop asking me questions. He threatened me with negative action against my credit rating and implied that other bad things would happen to me and my credit. Again, I told him that I was in a legal dispute with his client, but that did not keep him from harassing me with additional questions.
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

2016-05-10

Winston Salem, NC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Hi, FCO ( Fair Collections & Outsourcing , Inc ) has reported a collection of {$1100.00} on my credit history which is incorrect. It is done without investigating the claim properly and without providing me proper documents requested by me in this matter. I have sent them multiple email and called them several time without proper response from them. I have informed them multiple time that I do n't owe any debt to XXXX XXXX XXXX. FCO was not able to provide me the copy of the original utility Bills as XXXX XXXX XXXX was asking me to pay more for the Gas compared to the original Gas Bill. So, I asked them to provide me a copy of all the utility Bills starting XXXX XXXX. I have sent multiple emails to XXXX XXXX XXXX & FCO in this regard since XXXX XXXX and they were not able to provide these bills. I also registered a complaint regarding this with XXXX and both the companies were not able to respond to that complaint. Issues : -- -- -- -- -- - 1 ) When I moved into the apartment, My rent was calculated on Pro rate basis for the duration of stay but when I left the apartment the company is saying that they will not prorate my stay. There is no such clause in the lease agreement. They have already forfeited the security deposit for one and half month of rent. No proper response or reason from the company on this. 2 ) During the stay the company charged me for room heating even when the heaters/Gas was switched off in summer season. I have complained about this multiple time and my account was not adjusted/corrected. ( a copy of multiple emails attached ). I have been requesting XXXX XXXX to provide me a copy of the original Utility Bills from long time and they are not able to provide it. the difference for XXXX month where they adjusted was approximately XXXX % so XXXX XXXX should refund me XXXX % of the Gas utility bills in case they are not able to provide correct Utility Bills from the Utility Company. 3 ) The collection company FCO is not investigating the case even after I disputed this. They are not even providing the required information & documents. Without responding to my emails and resolving the disputes they have got this collection account added to my credit reports which is harassment of a normal person just to serve the interest of their client. I have also called them on the number provided and they never pickup the phone. I have also left so many voice mails and without any response from Fair Collections & Outsourcing , Inc. ( Some of the emails attached. ). Please let me know in case you need any additional details from me. I have attached some of the communications where I raised my concerns and neither XXXX XXXX XXXX nor Fair Collections & Outsourcing , Inc. ( FCO ) was able to provide proper response. Thanks 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

2016-05-09

MD

Cont'd attempts collect debt not owed

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

Debt was discharged in bankruptcy
Complaint: I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.
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

2016-05-09

Schuyler Falls, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

2016-05-05

Miami, FL

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

2016-05-03

Vicksburg, MI

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: This collection agency is re-aging old debt and reporting incorrect date of first delinquency. I am XXXX and this inaccuracy is causing unnecessary stress. I have disputed with all XXXX Collection Agencies, FCO continues to verify thier information as correct.
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

2016-05-02

Boston, MA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I have paid direct with Collector company the amount they ask me to be shuttle with them of XXXX.dollards paid with my creditcard from XXXX direct with them.Then they told me they sent a letter of to be removed from my records. They never did that and still there is the amount of XXXX dollars on my XXXX credit reports.Why?? Please contact with them to be removed of my records ASAP. Thank you very much for this results of this matter. My Email is XXXXXXXXXXXX.
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

2016-04-30

MD

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Entered into a settlement agreement. Paid the agreed amount for a promise to remove. Paid amount full. Received letter stating paid in full. FCO continues to report an outstanding balance that I do not owe.
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

2016-04-29

Atl, GA

Cont'd attempts collect debt not owed

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

Debt 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

2016-04-29

Charlotte, NC

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: I payed off my debt but its still on my credit this is the company name and number Fair Collections & Outsourcing account number XXXX Creditor : XXXX XXXX XXXX XXXX my name is 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

2016-04-29

Chicago, IL

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

2016-04-28

Boston, MA

Managing the loan or lease

Consumer Loan: Installment loan

Complaint: Fair collections and outsourcing is wrongfully reporting on my credit bureaus. i 've sent requests registered mail to the bureau three times to investigate and they keep concluded that the account is valid, but in over 3 months of sending letters requesting proof that the debt belongs to me and it is a debt that i signed for with this company, to date no proof has been furnished. i sent an email to the company on XXXX XXXX, 2016 demanding proof straight from the source. i stated if you can not supply me with proof of this debt please remove the debt from my credit bureaus. i received a response from XXXX XXXX stating that she would investigate and get back in touch with me. i have received absolutely nothing i even sent a follow up email and i 've received no response. this is not my debt and they have it unfairly listed as a collection on my credit and i want it removed. i need to find a new residence and this is severely hindering the process and i could soon be homeless. where are the rules and regulations that govern these lying thieving companies from imposing undue and unfair negative information on well to do consumers. where is the justice. what is FCRA if it is useless and the laws and regulation by which they govern these entities are a big joke?
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

2016-04-27

Atlanta, GA

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: Fair Collections & Outsourcing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. XXXX The collection agency is aggressively attempting to collect a debt that does not exist for the amount of {$200.00}. I have submitted documentation that show that amount was paid in full on XXXX XXXX 2015 to XXXX XXXX XXXX XXXX .The collection agency continues to contacts me weekly, for the said amount and has recently reported the non existing debt to the credit reporting agencies. They have made no attempt to fix their mis communication and have become increasingly aggressive in their tactics
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

2016-04-18

Beyersville, TX

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Fair Collections & Outsourcing has been trying to collect a debt of {$2000.00} on behalf of XXXX XXXX. FCO Has given no real documentation that I owe this debt. I spoke with XXXX XXXX both corporate office and XXXX facility as it is known today and they had no information about the account. FCO has sent me a copy of a ledger no letter head of company claiming that I owe the alleged debt as proof of validation. When I challenged this, they proceeded to send me a copy of my lease from XXXX, which they could have obtained from any where. I sent them an email XXXX/XXXX/2016 requesting viable information proving that I owe this debt. I have asked fro the following in my email : CREDITOR/DEBT COLLECTOR DECLARATION Please provide the following : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting history leading up to alleged debt. Commission for debt collector if collection efforts are successful. They answered me today, by providing the same ledger that proves nothing and lease agreement that they could have obtained from anywhere.
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

2016-04-14

Little Rock, AR

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: XXXX has been asked by myself and an attorney friend to furnish a complete list of charges and how they came to that amount from an apartment I left in 2011. They claim I owe {$2300.00} or so but in the years and years I 've been contacting them they refuse to furnish a complete list of charges. They can not explain how they came to the amount they did.
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

2016-04-12

Incorrect information on credit report

Credit reporting:

Account terms
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

2016-04-09

Cheverly, MD

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: Attempted to get the debt verified from FCO. Sent several letters to FCO the collection agency requesting the proper documents. When FCO would only state that the debt was accurate. We went to a lawyer you gave us insight into the law regarding the collection in Maryland regarding apartments putting collections on people 's credit report. We then again sent letters to FCO with the new information gained from the lawyer and found that the collection agency was again still breaking the law and was in violation of the Fair Credit Act. We then sent letters to the Credit Agencies where they removed my husbands collection but not mine. What do I do now?
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