FAIR COLLECTIONS OUTSOURCING, INC.

2016-02-09

Astoria, NY

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-22

IN

Cont'd attempts collect debt not owed

Debt collection: Mortgage

Debt is not mine
Complaint: The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is XXXX XXXX XXXX XXXX, where I lived ... I eventually had to leave the premises due to a non-liveable apartment ... The first incident was a large water leak that ruined my bedroom furniture ... The leak created mold in the walls and on my carpet in the bedroom and bathroom ... I reported this to XXXX XXXX and it took almost 2 weeks before the maintenance men to deal with the problem ... A large fan was placed in the bedroom to deal with the leak, however, a mess was made, my furniture ruined, and the fan was so noisy I had to vacate the apartment for several weeks until it was fixed ... After several weeks, the management at XXXX XXXX was notified by me, and the regional manager agreed to discuss moving me to another apartment at XXXX XXXX if further problems should arise ... The Regional Manager XXXX, showed up and hour late for our meeting ... I explained to her that the mold, and huge leak was n't the only problems in the apartment ... Cold water, after a new water heater was put in, ants in the kitchen on a daily basis ... Ants in the refrigerator, bugs in the window ceils, bathroom and tub areas ... MOLD ... Window Problems, Washer and Dry Problems, Maintenance Men dumping the lint traps in front of my apartment as well as the Neighbors apartments ... Eventually, the maintenance men and the exterminator were in my apartment on a weekly basis ... .I put in a 30 day Notice to Vacate the Apartment Complex due to non-livable conditions ....
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2016-01-20

Nashville, TN

Communication tactics

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

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-12

Niverville, NY

Incorrect information on credit report

Credit reporting:

Account terms
Complaint: I have on several occasions disputed an account on my credit reports. I have disputed this information with both the credit reporting companies and the collection agency themselves. I have asked for proper validation and I get absolutely no response. I am under the impression that this company has 30 days from the date my validation request is received. This company never responds and effectively ignores my request for any validation in regards to this account. I have disputed the amount, and address on file with this company. In every instance I have never heard anything back from this company. If I submit a dispute through the credit reporting agency. The agency reports that the debt has been verified as belonging to me. I am aware that the reporting agency uses a standardized system in validating a quick and efficient response. However, this is no way proves this debt as belonging to me or that the amount is in anyway accurate. I want this collection agency to validate my so called debt as outlined in the Fair Debt Collections Practices Act. They are required to verify this debt if they can not. Then I want this debt removed. The collection agency in question is Fair Collections and Outsourcing. Address is : XXXX XXXX XXXX XXXX XXXX, MD XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-10

Webster, NY

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt resulted from identity theft
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-08

Elkridge, MD

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-06

Marlboro, MA

Communication tactics

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

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-06

Alexandria, VA

Communication tactics

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

Frequent or repeated calls
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-05

Salton City, CA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-04

Salem, MA

Disclosure verification of debt

Debt collection: Non-federal student loan

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2016-01-02

Lenzburg, IL

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: On XXXX XXXX, XXXX I was evicted from my apartment at XXXX XXXX XXXX, XXXX, IL XXXX under Management of XXXX. I was given until XXXX/XXXX/XXXX to move out, and a judgement-XXXX was entered against me for {$1000.00}, which included attorney fees, and court cost. A sheriff notice was placed on my door on XXXX to move within 48 hrs before any sheriff came out I had moved out. On XXXX XXXX, XXXX, after finding another place I sent the landlord a notice regarding my deposit and when it will be refunded because it 's been over 45 days since the judgment. Instead XXXX XXXX XXXX, XXXX XXXX sent me ANOTHER bill-account XXXX which is separate from the judgment and is for rent for XXXX and XXXX, and some other charges that took my deposit. It totaled {$1600.00}. I disputed the bill on XXXX/XXXX/XXXX with XXXX XXXX XXXX, sending a certified letter to XXXX XXXX XXXX, XXXX XXXX, and their attorney and neither parties responded. Instead they sent the amount to the collection agency XXXX on XXXX/XXXX/XXXX. The collection notice did n't even give me a 30 day notice to dispute. Instead in a notice dated XXXX/XXXX/XXXX. They told me that they were reporting it to the credit bureau. I do not owe {$1600.00} this amount includes rent XXXX, XXXX and XXXX, XXXX that I was not made responsible to pay per court order, because I was evicted, and questionable charges that took my deposit of {$350.00} and the collection agency is not honoring the disputed letter sent to their client, XXXX XXXX XXXX, XXXX, nor did they send me a letter stating that I had 30 days to dispute the collection. I believe they have sent this to my credit report, I have n't received a copy of the credit reports yet. Please see documents.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-31

Hollywood, FL

Disclosure verification of debt

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

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-30

Belle Isle, FL

Disclosure verification of debt

Debt collection: Medical

Not given enough info to verify debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-28

Energy Center, LA

False statements or representation

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

Attempted to collect wrong amount
Complaint: I moved from the XXXX on XXXX XXXX on XXXX XXXX, XXXX. The XXXX management is attempting to extort me after keeping my {$150.00} deposit. Now XXXX is wanting an additional {$120.00}. They are claiming that I left drywall damage, which is not true, the building I lived in ( XXXX ) foundation was repaired XX/XX/XXXX, this is what cracked the sheet rock. They also claim door and counter top repairs. The apartment was broken into before I moved in, the repair that maintenance made to the door was sub par and done incorrectly. I noted this on the move in check sheet XX/XX/XXXX along with the counter problems.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-18

Oxford, GA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: I along with my parents have been receiving phone calls from a debt collector regarding a debt that does not belong to me. I 'm certain that the debt does not belong to me based on a letter I received from Fair Collections & Outsourcing, XXXX XXXX XXXX, XXXX XXXX, XXXX, MD XXXX. The calls came from XXXX & XXXX. They have merely used the internet and available information to connect me to someone I know that owes a debt, but the debt is not mine. This is just a scheme to collect the debt and they do n't care who they collect it from. I want them to cease and desist contacting me.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-15

Highland Park, NJ

Communication tactics

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

Called outside of 8am-9pm
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-14

Houston, TX

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-09

PA

Disclosure verification of debt

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

Not given enough info to verify debt
Complaint: I received a letter from FCO dated XXXX/XXXX/15. I called to find information about the debt which was stated as {$400.00}. I was given a statement of detail charging me {$830.00} for carpet replacement when moving out of the apartment. The statement accounts for a {$500.00} deposit and {$81.00} in a final water bill to arrive at the amount they are trying to collect. I asked for an invoice for the carpet replacement and was given an invoice for {$380.00}, however was told that XXXX 's client wanted payment based on {$830.00} however they are unwilling or unable to provide a statement explaining the higher charged amount. I offered to pay if they would put in writing the reason, and was told they have produced all the documentation that they need to and will not be providing an explanation for the {$440.00} difference. I have been threatened that they will report this to the Credit Reporting Agencies on XX/XX/XXXX if it is not paid before then.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-06

Bayshore Gardens, FL

Disclosure verification of debt

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

Right to dispute notice not received
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-06

Gastonia, NC

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-12-02

GA

Communication tactics

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

Frequent or repeated calls
Complaint: Used multiple, aggressive forms of communication. I have unsuccessfully tried to resolve the debt of a monthly payment of 5 % of the total debt and pay the full debt, rather than a lesser settlement. They stated they would either only accept 10 % of the total debt as a monthly payment, or half of the total debt in full. When I did not agree and questioned options, they stated they would rather keep my account in collections on their terms rather than accepting any form of payment from me. Not only unprofessional communication, but rude and aggressive threats of retaliation.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-12-01

Warren, RI

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-24

Bellaire, TX

Application, originator, mortgage broker

Mortgage: Conventional fixed mortgage

Complaint: FAIR COLLECTIONS AND OUTSOURSING has placed erroneous and false information on my credit report. I do not know this company and have no knowledge of the company they are attempting to collect for. I have asked this company to remove this information, This company is preventing me from qualifiying for a mortgage. I have lost my earnest money and have been subjected to a higher interest rate with higher fees.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-11-23

Lubbock, TX

Cont'd attempts collect debt not owed

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

Debt is not mine
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-11-17

AL

Cont'd attempts collect debt not owed

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

Debt resulted from identity theft
Complaint: Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But XXXX collector is pursuing me for a supposed apartment rental I did NOT rent in ANOTHER STATE, EVEN AFTER I SENT THEM THE STANDARD LETTER FROM THE FTC as the FTC advises. The dead give-away is that they always have my name wrong, as is the case with this collector ( Fair Collections & Outsourcing , Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD. XXXX XXXX www.fco.com ). They keep telling me I need to complete their form which asks for a litany of my personal information that THEY ARE NOT PRIVILEGED TO. I even included a copy of my police report with the standard FTC letter. THEY REPORTED ME TO THE CREDIT BUREAUS!!! How is this allowed when they do NOT even have my name correct and I 've provided proof of identity theft?
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response