FAIR COLLECTIONS OUTSOURCING, INC.

2016-04-07

Manhattan, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

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: Yes Timely Response

2016-04-06

Santa Clarita, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

2016-04-03

Hialeah, FL

Communication tactics

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

Frequent or repeated calls
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

2016-04-01

Las Vegas, NV

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices.
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

2016-03-28

Cadwell, GA

Communication tactics

Debt collection: I do not know

Frequent or repeated calls
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

2016-03-25

Jupiter, FL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Complaint: FCO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX Phone : XXXX Dear XXXX : I am a victim of identity theft. 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 FCO 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 Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA 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 : FCO 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 SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX 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

Disputed: No Timely Response

2016-03-21

MA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I contacted the credit reporting agency because the collection amount is incorrect. I sent in receipts that should be credited towards the debt and was not given credit for.
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

2016-03-20

Chicago, IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: After exercising my right to legally terminate my lease, XXXX XXXX XXXX has put a collection against me for XXXX. They hired Fair Collections and Outsourcing who still has a collection against me that is effecting my credit score and almost cost me my chance to rent an apartment. They have also put this collection on my former roommates credit, as well as her co-signer 's. Clearly the allegation of debt is BOGUS, for not XXXX, but two reasons : ( 1 ) If apartment was re-rented in XXXX, the only rent we could possibly owe, if owed at all, would be for XXXX, which was {$1400.00}, NOT {$4400.00}. And ( 2 ) we legally terminated the lease, irrespective of re-rental, effective XXXX XXXX, 2013, as explained in full in your letter, dated XXXX XXXX, 2013. We 've sent them documentation in 2013 which contained the law that our former landlord broke that legally released us of this debt ( such as work work they refused to do to keep our building safe - like faulty lights and electrical outlets, plus the law they broke about rerenting our apartment once we left which then releases us of any debt. ) In XXXX of 2013 they wrote in the letter that we had 30 days from receipt to dispute the validity of the charges. We called their service department and was asked to e-mail documentation to them to support our cause. We never heard from them from that point. I request that you investigate these chargers and ask them to remove these faulty claims. We worked with the XXXX XXXX XXXX and they have all the documents that support our case. XXXX did not take us to court as they threatened but we will happily do so if these charges are not dropped.
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

2016-03-19

Reno, NV

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: I have been a victim of identity theft, this company has continued to report to credit and collect on a fraudulent debt. I have disputed with this company 3 times, they now deem my disputes as " frivolous '' and refuse to accept any documentation on my behalf. I have disputed these accounts over and over again with XXXX. I had my ID stolen at age XXXX, my social security cards, and my ids. They opened numerous insurance accounts, medical, apartments, auto loans, and credit cards, all defaulted on. These debts do not meet FCRA or FCDPA standards. Attaching police reports, and original as well as updated.
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

2016-03-18

Kenner, LA

Cont'd attempts collect debt not owed

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

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

Disputed: Yes Timely Response

2016-03-18

Silver Spring, MD

False statements or representation

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

Attempted to collect wrong amount
Complaint: I received lease renewal notice dated XXXX XXXX, 2015 which I signed indicating that i would not be renewing my lease, I returned this to the leasing office on XXXX XXXX, 2015. This was not considered to be notice that I wanted to end my lease and leave. There was a form that I did not know about that is given to indicate notice to vacate an apartment. I found out about this form, when I went to the leasing office to ask about a notice for XXXX rent. I have been sent a bill from a collections agency for the amount of $ {$3.00} XXXX. I am unable to pay this kind of money. I do owe rent for the month of XXXX which I am willing to make payment arrangement.
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

2016-03-18

Atlanta, GA

False statements or representation

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

Attempted to collect wrong amount
Complaint: The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. The debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. I sent certified letters to all parties trying to resolve this issue. All parties ignored me.
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

2016-03-15

Mem, TN

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

2016-03-14

Rockwell, NC

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

2016-03-08

Rockwell, NC

Incorrect information on credit report

Credit reporting:

Account status
Complaint: I have had a delinquent status on my credit report for almost seven years and have heard that these types of things will be removed after a specific amount of time. I was wondering if I can have it removed off of my report. The delinquency is related to an apartment I had shared with someone who I am no longer in contact with and am unable to receive money from, not to mention the amount owed was doubled from what it originally should have been and I am unable to afford the ridiculous amount owed to it and they will not work with me on what I can afford. I have been declined for things through out the past 6 years because of this delinquency ( also the original owners of the apartment complex are not even the owners anymore ). I have been trying to rebuild my credit history but am unable to raise my score based on this XXXX delinquency, please help me in removing it.
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

2016-03-08

Beyersville, TX

False statements or representation

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

Attempted to collect wrong amount
Complaint: This complaint is against Fair Collections and Outsourcing XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, The XXXX at XXXX XXXX XXXX, managed by XXXX XXXX XXXX : On XXXX/XXXX/XXXX, I rented an Apartment then managed by XXXX XXXX, XXXX XXXX XXXX XXXX, in XXXX, XXXX. In XXXX XXXX, due to unforeseen life events, I was forced to take care of a parent that constituted me to move out of the complex before the lease expiration in XXXX XXXX. Per the contractual obligation, I provided a 30 day notice to XXXX XXXX. I paid the rent for XX/XX/XXXX and XX/XX/XXXX. Even though I fulfilled my part of the obligation, XXXX XXXX without disclosing forfeited the security deposit of {$1000.00} in addition to the full rent in the amount of {$2100.00} In or around XXXX of XXXX, without my knowledge, XXXX XXXX contracted the collection agency and demanded yet another {$2700.00}, but did not give a reason and or sent any written correspondence. Based on FDCPA and FCRA guidelines, XXXX XXXX, failed to notify me within 30 days of the action they had taken. There was also no communication from Fair Collections and Outsourcing. I became aware of this collection item XX/XX/XXXX, when I attempted to rent an apartment in XXXX, XXXX After doing much due diligence I discovered there was an amount of {$2700.00} being reported on my credit report. I immediately contacted the complex in XXXX, XXXX and spoke to the property manager XXXX XXXX. After doing her research, XXXX XXXX advised me that since the account was more than 4 years old, they have no information on the amount owed and were not able to furnish any supporting documentation. XXXX XXXX advised me that I need to contact the aforementioned collection agency and customer service for XXXX XXXX. ( XXXX properties who now manages the complex and took over all the financial obligations/portfolio managed by XXXX XXXX, has been unsuccessful to furnish any documentation ). I reached out to XXXX XXXX at XXXX properties on several occasions and did get a return phone call. I also reached out to Fair Collection and Outsourcing and spoke to a representative and specifically asked for supporting documents showing the validity of their demands. The agent was not able to provide me with any specifics, even though I advised him that the balance owed was not valid. He further stated that the only information he could share was the amount demanded by XXXX XXXX. This is a violation of SS 809. Validation of Debts [ 15 USC 1692g ], It is evident from my credit report that Fair Collections and XXXX XXXX failed to comply with FDCPA and FRCA regulations. Neither party can furnish supporting documents. The last update provided by the collection agency was on XXXX/XXXX/XXXX, even though I contacted the collection agency in XX/XX/XXXX, they did not make any effort to update my credit report, or make an effort in good faith to resolve my concerns. Desired Outcome : Based on the aforementioned facts, I hereby, within my rights seek that this inquiry be removed from my credit reports by the collection agency. Both XXXX XXXX and XXXX Collections are fined for blatantly violating FDCPA & FCRA laws. Not being able to furnish documents which generally have a retention requirement of 7 years. I further seek monetary compensation from XXXX properties for the forfeited security deposit in the amount of {$1000.00} Next steps : If XXXX is unable to resolve this matter amicably, I will move forward with an official complaint with XXXX State Attorney General for deceptive business practices and violations of the XXXX Business & Professions codes. Thank you for your time and attention to this matter.
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

2016-03-08

NE

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: FCO Collections ( Fair Collections and Outsourcing ) has recently started harassing my ex-roommate and I about a bill we apparently have from when we moved out a year and half ago. Up until this point, we were told there was no outstanding bill. FCO refuses to validate the account ( a consumer right. ) A man by the name of XXXX XXXX is degrading, harassing, and threatening. He 's lied to us and bullied us every time we speak on the phone. He refuses to send documents and his only response is " This is n't about me, this is your responsibility. '' We have no clue if this bill is substantiated and they wo n't work with us unless we have payment. My roommate set up a payment plan because he told us initially that we had until XXXX XXXX to figure this out and today he called and said that he was reporting it right away. He wo n't let us talk and interrupts us every time we try to ask questions. He has attacked us from the very moment he started calling.
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

2016-03-04

Monrovia, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

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

2016-03-03

Westerville, OH

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

2016-03-01

Hack, 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

2016-02-25

Pittsburgh, PA

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

2016-02-23

Tampa, FL

Communication tactics

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

Used obscene/profane/abusive language
Complaint: An account from and old apartment complex was sent to Fair Collections & Outsourcing , Inc, the company failed to notify me that an account was placed in their office for collections, no letters were sent and no phone calls were made, i had no knowledge of this debt until i pulled ac copy of my credit report and noticed they made an inquiry to view my credit history, i immediately called the company regarding this to get understanding of what this debt was, the representatives were rude, they would hang up on me, they would keep me on extensive holds and their excuse was they had to take multiple calls at once which is completely ridiculous where i could n't even get my questions answered because the reps were rushing me and completely out of character, i disputed the validity of the debt because the charges were absurd and were made up, i immediately contacted the original creditor via telephone XXXX and spoke to a XXXX XXXX who had the correct charges disputed and advised me that she will advised the creditor they need to take a payment plan from me once they received the correct balance updated and someone would reach out to me to set up the payment plan, i confirmed with XXXX that this account owls not be sent into collections as long as i made payments and she assured me that it wouldnt, a few months went by and nobody contacted me by phone to tell me they received an updated list of charges and would be setting up a payment plan for me that would fit my budget, instead i get an email from the credit bureaus stating the account was reported on my credit report, i contacted the company and immediately asked they remove this from my report since i was not given adequate time to even pay this balance nor was i notified they updated the correct billing charges, i spoke to a representative named XXXX who was extremely rude and refused to assist me and told me he was n't removing this from my report, this company has violated many laws of FAIR DEBT COLLECTION ACT, from not notifying me of my debt, to listing items on my credit report without my knowledge of even owing the debt, from being disrespected and mis treated by representatives and having up on me and failing to collect the correct amount due of the balance owed after being instructed specifically by the creditor.
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

2016-02-20

Harmonyville, VT

Cont'd attempts collect debt not owed

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

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

Disputed: No Timely Response

2016-02-19

Harsens Is, MI

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I have a collections account from XXXX apartments that I have no knowledge of. I had a lease that was satisfied at the end as per the contract. A coupl months went by and then I received a notice I was in collections for XXXX. I have no idea what it 's for, never received an invoice phone call or any communication stating they felt I owed them anything. I spoke to them via texts which I still have, I spoke in person when I turned over the key, I had no knowledge or chance to pay the debt had I felt it a reasonable debt belonging to me. I have suffered financially due to higher interest rates and it being able to obtain credit for things I may have been able to because of the actions of the company. I think they are in violation of fdcpa section XXXX ( b ) failing to validate the 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

2016-02-15

Patterson, MD

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I am filing a complaint against Fair Collections & Outsourcing located at XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. FCO erroneously contends that I owe an outstanding balance of {$1200.00} to XXXX XXXX located in XXXX, Maryland. This apartment complex is owned by XXXX XXXX XXXX which is also known as XXXX XXXX XXXX. Three years ago, I resided in an apartment located at XXXX apartments. On XXXX XXXX, 2013, I submitted my 30 day notice to vacate. However, before turning in my notice to the rental manager, XXXX XXXX XXXX, I contacted the District Manager, XXXX XXXX. I had this conversation with XXXX XXXX because the 30 days carried over in to the month of XXXX because XXXX is a short month. XXXX XXXX explained that I just needed to pay the rent for the month of XXXX and the first two days in XXXX. So I followed his instructions and paid rent for XXXX, the first two days in XXXX, and utilities. After moving from XXXX XXXX, I decided to move to the XXXX, Maryland area and continue my college education. Unfortunately, when I began to apply for apartments, I was continually denied because of the false information that has been reported by Fair Collections & Outsourcing to all the credit bureaus and other reporting agencies. I had no idea that this act of injustice was done to me until I began application processes which resulted in quite embarrassing conversations with several rental managers. XXXX of which informed me that I would never be able to rent an apartment with this negative information attached to my name. I am unfairly suffering because of this debilitating situation. Furthermore, the only apartment I was able to secure is located in a very dangerous area of XXXX, Maryland. Sadly, I have been living in poor conditions without hope of procuring a suitable residence because of the blemish that Fair Collections & Outsourcing has erroneously reported. I have prepared copies of my signed lease from XXXX ( which states 30 day notice to vacate ), my letter to vacate, as well as the copies from money orders paid for my last month 's rent, my pro-rata fee for XXXX XXXX and XXXX of 2013, and utilities. Furthermore, I also did some research on XXXX XXXX XXXX to find out if others have experienced negative treatment from this company as well. Per the company 's website, they conduct business in several states throughout XXXX. The research that I took time to do revealed that this company has quite a questionable reputation. The rating of XXXX XXXX XXXX with the XXXX is low. In addition, there was a complaint made with the XXXX by a tenant who has had the same experience of being falsely accused of owing rent. In addition, the was a complaint posted on the website XXXX about XXXX XXXX in XXXX, Maryland. Lastly, I found information about a lawsuit filed in Nebraska against XXXX XXXX XXXX ; case number XXXX. The management company was found guilty in violations of specific laws concerning releasing military personnel from their lease agreements. In closing, I humbly ask that this false debt be removed from all the credit bureaus and any negative information that has been given to all other reporting agencies. Thank you for your time with this matter.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response