FAIR COLLECTIONS OUTSOURCING, INC.

2015-06-18

WA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I lived in a particular apartment building for approximately XXXX years. I moved out in XXXX of 2013, and in XXXX of 2013 I received a bill for rent covering a month I was no longer residing there. I contacted the property and they refused to work with me to resolve the issue. The property is no longer under their ownership and the collection agency has not responded to my dispute in approximately a year now. This is still on my credit report and is causing me great stress. I can not find a place to live due to this invalid debt. They could not provide me with a valid reason as to why I should pay them during a period in which I did not live there. Now that the property is under new management I have no way to settle this. My credit report still says that the debt has been disputed and yet no response or follow up. This has gone on far too long and I ca n't seem to get this removed and resolved.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-06-11

False statements or representation

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

Attempted to collect wrong amount
Complaint: The last apartment complex I lived in ( XXXX, VA ) sent me charges for unpaid rent, water and sewer, damaged blind, damaged carpet and late fees. This charges I disagreed with and asked them to substantiate it but was rather sent to a collection agency. I paid my bills on time or early each and every month for the 4years that I lived there and was never once late especially for an apartment complex that has no grace period and all rent/bills has to be paid by the XXXX of each month or risk paying late fees. My credit is now destroyed and its all base on falsified charges.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-11

Itasca, IL

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: when moved out of our apartment we had the carpet cleaned but the community wanted us to replaced the carpet in the whole apartment because XXXX room had a stain that the cleaning people could not get out. So we refuse to pay them so they put us in collection. Also we moved into XXXX of their apartment in XX/XX/XXXX we move out in XX/XX/XXXX we went back in the apartment on the XX/XX/XXXX to clean the carpet they are trying to collect two months of utilities and charge us 3 days of rent how can you owe them two month of utilities when it is paid with you rent and I do n't know where the get the three days of rent from but they have us in collection for this too. We need some help on how to get these collection off of us.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-10

Arlington, VA

Cont'd attempts collect debt not owed

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

Debt was paid
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-10

Beyersville, TX

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: On XXXX XXXX, 2013 XXXX XXXX XXXX XXXX XXXX. Report false information to fair collections in and out. I responded to fair collections in and out, but asking them to validate the debt. In response they sent me a document with a list of charges that XXXX XXXX XXXX XXXX XXXX says that I owe. I called them and explained that this was not a proper validation of debt. They refused to validate the debt properly and placed the information on my credit report for collections. FCO is in violation of Texas property code Sec.XXXX. FRAUDULENT, DECEPTIVE, OR MISLEADINGREPRESENTATIONS. ( XXXX ) failing to maintain a list of all business orprofessional names known to be used or formerly used by persons collecting consumer debts or attempting to collect consumer debts for the debt collector. FCO is not listing all the names of there client ( XXXX ) failing to disclose clearly in any communicationwith the debtor the name of the person to whom the debt has been assigned or is owed when making a demand for moneyThis collection is for a apartment complex. In order to properly validate the debt FCO is required by Texas property code to obtain information includes a copy of the lease, itemized charges, diligence to find a new tenant ( if appropriate ), Date and proof of the new tenant moving into the unit. XXXX XXXX ) using a written communication that fails toindicate clearly the name of the debt collector and the debtcollector 's street address or post office box and telephone number if the written notice refers to a delinquent consumer debtNo information about XXXX XXXX XXXX XXXX XXXX is listed on the verification of debt letter sent by FCO. I do not owe this company money.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-10

TX

Settlement process and costs

Mortgage: Other mortgage

Complaint: XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, TX XXXX. I orginally had signed a lease for 6 months at this complex but later on that day I found out that I was being laid off ( During the Financial Breakdown of 2008 ). I called the then property manager XXXX and let her know what had transpire and she agreed to cancel the agreement. Three years later I have a collection hit on my credit report of a broken lease with XXXX XXXX from Fair Collections and Outsourcing. I have never lived in this complex and I have been fighting with them to take this off my credit report.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-06-09

Belmont Shore, CA

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: Yes Timely Response

2015-06-09

Atlanta, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I reviewed my credit information and notice an error on my account from an apartment complex I stayed in years ago. The complex back then was called " XXXX '' and is now called " XXXX ''. I had email correspondence with the complex regarding my concerns dealing with the apartment before I moved out back in 2008 and was reassured I had nothing to worry about because those issues are not mine and on the complex. I am looking at my credit report and see a charge for XXXX that should n't be there because we left out with a walk through completed and was stated that we had nothing to worry about. We were also given back out security deposit as well when we moved out. The company that is showing on my collections with XXXX is : FAIR COLLECTIONS XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-03

N Tarrytown, NY

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

2015-06-02

Saint Charles, MD

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-06-01

Acton, MA

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

2015-06-01

Staten Island, NY

Communication tactics

Debt collection: I do not know

Threatened to take legal action
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-27

Camp Springs, 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

2015-05-22

Santa Clarita, CA

Cont'd attempts collect debt not owed

Debt collection: I do not know

Debt is not mine
Complaint: In XXXX 2014 I received a collection notice from FCO regarding a debt I had never been notified of before. I asked them via certified letter for 1 ) a verification the debt was mine, 2 ) who owned the debt, and 3 ) exactly what the debt was for ( since the creditor listed had never contacted me ). I also demanded they quit calling my work phone number and to cease collection activities unless written verification of the debt could be provided. They never responded to my request for written verification but instead unlawfully reported the debt to the credit bureaus. They also have left threatening voicemails on my work phone number, but refuse to provide any details on how the debt was calculated.
Company Response: Closed with explanation

Disputed: Yes Timely Response

2015-05-21

UT

Credit reporting company's investigation

Credit reporting:

Investigation took too long
Complaint: My name is XXXX XXXX XXXX. From XX/XX/XXXX until XX/XX/XXXX I resided at an apartment complex run by XXXX called the XXXX in XXXX XXXX. My rent was always paid on time and I never had a complaint lodged against me as a tenant. I gave the required 30 day notice of intent to leave on XX/XX/XXXX in order to attend XXXX in XXXX in XX/XX/XXXX. On XXXX XXXX, I turned in my keys and gate card to the office and they issued me a release from any further contract obligation. A month later, the complex emailed me a bill for {$230.00} to paint the unit and empty garbage that was in the garage ( this was not emptied because the maintenance man was in a hurry to leave for the day and I had to give him the remaining key to the garage very quickly and forgot to take the garbage out before the garage door closed. The walls of the unit were patched and repainted the same white shade of paint before I left ( I borrowed paint from Maintenance ). The carpet was shampooed ( although, after 12 years, it usually would be replaced, but I take my shoes off at the door ). The new tenant moved in two days after we vacated. The credit bureau has a company called Fair Collections and Outsourcing - FCO that is reporting that I owe XXXX {$480.00} dollars ; I contacted XXXX and questioned their bill for {$230.00}. Their bill negates a deal that tenants got for 10 % of each monthly rent applied to a pot of money to be applied to closing costs for the purchase of a new home with certain builders ( {$120.00} x XXXX x XXXX = {$17000.00} ). FCO has refused to detail their bill with me and refused to remove it from my credit bureau for the last two years despite the difference of {$250.00} between their bill and that of XXXX. I continue to dispute this on all XXXX credit bureaus and they continue to tell me that it is a valid bill despite the fact that I have never seen the bill for {$480.00} and they are refusing to send to it me. Yesterday, I called FCO and offered to pay the {$480.00} in full if they would just remove the charge from my credit after I pay it ; they refused to do this. I have attempted to call XXXX and their XXXX offices do not answer the phones ( automated to voice mail ). In the meantime, the XXXX was sold to a different company ; XXXX appears to be having problems with their XXXX rental properties.There were days in this unit where I went without AC in the middle of the summer for several days, but I did not ask for a rent reduction. There was an incident where the complex allowed a moving XXXX to park next to my vehicle and the XXXX company side swiped my car. When I reported this to the office staff at the XXXX, they refused to give me the name of the owner of the moving XXXX to place a claim - damages to my car were {$490.00}. I did not make an big magilla over these issues because I knew it would not be resolved and would only cause hard feelings for the time I rented there. Now I am very upset about what has happened to my credit on this and am frustrated that FCO will not even give me a copy of their bill from XXXX that they are reporting as delinquent for me.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-20

Oakland, CA

Improper contact or sharing of info

Debt collection: I do not know

Talked to a third party about my debt
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-18

Warrenton, VA

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

2015-05-13

Marysville, WA

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: No Timely Response

2015-05-12

Simi Valley, CA

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

2015-05-11

Avondale, MD

Improper contact or sharing of info

Debt collection: I do not know

Contacted me after I asked not to
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-07

Capitol Heights, MD

False statements or representation

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

Attempted to collect wrong amount
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-07

Bremen, GA

Cont'd attempts collect debt not owed

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

Debt is not mine
Complaint: I was in a month to month lease with XXXX ( XXXX ) XXXX. I was obliged to give a 60 day written notice before vacating the building. I did so, and sent the letter via certified mail. Roughly six months later, XXXX placed a {$7500.00} fine on my credit through Fair Collections and Out. This fee is exorbitant, as I only paid {$850.00} a month, and met my obligations for the lease. In the state of Georgia, the law states the landlord can only claim damages and the amount of time the apartment was vacant. I was never evicted, because I did n't break a lease, I should not have this on my credit. When I spoke with them they agreed to reduce the fee to {$3400.00}. This is still outrageous, and I 'm being illegally bullied in to paying for fines I never owed in the first place. They provided a forged copy of the lease that I never signed. If you search XXXX property services in XXXX Georgia, you will see they are well known for these tactics.
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-05

Winston Salem, NC

Cont'd attempts collect debt not owed

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

Debt was paid
Complaint: SIGNED A LEASE WITH AN APARTMENT COMPLEX BECAUSE THEY SAID THEY WERE PET FRIENDLY, TWO DAYS LATER I TOLD THEM I WAS BRINGING MY DAUGHTERS DOG IN AND THEY ASKED WHAT KIND. AFTER I TOLD THEM THEY SAID NO - I SAID THAT THEY SHOULD HAVE TOLD ME THAT UP FRONT AND TO JUST TEAR UP THE LEASE AND I WOULD GO ELSEWHERE. THEY SAID THEY NEVER DO THAT AND THEY WOULD SEE ME IN COURT. I LEFT AND THEY KEPT ALL MY DEPOSITS AND LEASE,,,, ALL I WANTED TO DO WAS LEAVE BECAUSE THEY LIED,, THEY KEPT MY MONEY AND TURNED IT IN FOR COLLECTION
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: No Timely Response

2015-05-03

Foxridge, MD

Disclosure verification of debt

Debt collection: Mortgage

Not disclosed as an attempt to collect
Company Response: Company chooses not to provide a public response Closed with explanation

Disputed: Yes Timely Response

2015-05-01

Richland, NY

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