FAIR COLLECTIONS OUTSOURCING, INC.
Consumer Complaints
There are over 1102 complaints on file for FAIR COLLECTIONS OUTSOURCING, INC.. Dated between 2019-11-27 and 2013-07-10.
Complaints Page 6
2019-02-13
Bremen, GA
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I was a curent Section8 government program attend and in XX/XX/XXXX i found a house for rent that accepted housing vouchers to provide a safe place for me and XXXX children payed on time as well as deposit, through out the whole time of lease with XXXX they failed to provide safe housing so after 2 years of heating issue, mold which i have XXXX children my housing manager found the house unsafe and home went into abatement and i had to move the lease was terminated due to their part of not providing safe housing while on the program, they have threatened to sue me as well as garnish my wages, they have reported on my credit redeckless amounts that werent owed as well as a company that i never rented from ..My lease was with XXXX and its reporting XXXX XXXX which i have neved leased with i have all proof and left owing nothing when the home went into abatement due to the repairs of the home I had to move because they have failed to provide safe housing which they knew before a accpeting a section 8 particpant rent paid by the goverment. I didnt recieve my deposit back and they are reporting i owe them which cant be true i have all recipets, documents and even the letter of abatement giving them 30 days to fix repairs and they failed they have just put my family through XXXX and now lying saying i rented from another company. Please help as im trying to but a home now off the Goverment program i had to relocate my kids which XXXX where XXXX right around XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-12
Vicksburg, MI
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I received a debt collection from FCO XXXX XXXX XXXX XXXX XXXX, XXXX, MD XXXX # XXXX Acct # XXXX for XXXX on the XXXX XXXX XXXX XXXX for {$170.00} I called XXXX credit bureau and they said, " This is wierd, they only have a name and address, nothing else!. They removed it from my credit report. I tried calling the company and spoke to XXXX ; it is for an apt . complex in XXXX florida ( XXXX XXXX XXXX ) .It occured on XX/XX/2015. Apparently someone tried to rent an apt using pieces of my information. the fee is for application, administrative fee, and NSF.I asked for documentation from the apt . community ; what proof of ID, etc. Since I refuse to give them even my phone number ; I was to call them back a few days later. I then got XXXX XXXX ; he refused to look into the information unless I provided my soc. sec. # and b/d. I said no way XXXX! I explained they didn't have the real info when they attempted to put it on my credit report ; I asked what have you done to verify anything.
I get real annoyed when someone gets sneaky with my information. I have never bounced a check, paid a bill late, and have excellent credit!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-11
Cheverly, MD
False statements or representation
Debt collection: I do not know
Attempted to collect wrong amount
Complaint: FCO has been trying to collect money from me for an apartment. they state that I owe XXXX I have made several attempts to inform them that I don't owe the debt. I recently contacted them to once again dispute the information. they informed me that they sent the information to there clients and its no telling when the client will get back to them with the response. I asked them if it was a timeframe for the client to answer they told me know. I want my account updated and or deleted because I don't owe the debt they are claiming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-08
Jacksonville, FL
Attempts to collect debt not owed
Debt collection: I do not know
Debt is not yours
Complaint: I noticed a collection account on several of my credit reports from FAIR COLLECTIONS & XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX. I submitted a dispute for this company alleged debt against me, as I have no knowledge of this debt. I was notified by both XXXX and XXXX XXXX that the debt " meets FCRA requirements '' and would remain on my record. I wrote letters to both XXXX XXXX and XXXX as well as '' FAIR COLLECTIONS '' for written verification of this debt which I am entitled to under the FCRA. I have not received any form of communication in writing in regards to this alleged debt from anyone to this point.
Under Florida law, my state of residence, debt collectors must hold a licence under the Florida Department of Financial Regulations. For fear this company may be some sort of scam I checked the Florida Department of Financial Regulations to check to see if FAIR COLLECTIONS & O XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX hold a valid licence in my state to act as debt collectors, The company does NOT. My research I preformed on the verify a licence portal of FDFR did not show as them to NOT even be a legitimate debt collector in the state of Florida. I would like this false debt deleted off of my record.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-07
Newark, NJ
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: My husband and I had a lease with an end date of XX/XX/XXXX We were notified form the leasing office we needed a a 60 day notice letter regardless to move and, that was sent via email XX/XX/XXXX and was mandatory from the Building that we give them 60 day vacate notice regardless of lease end date which seems ridiculous as I would be able to leave on the date my obligation is up on the contract/lease. So our new move out date was XX/XX/XXXX. Upon moving out we were contacted later that we still owed rent for the months the apt was not rented. Pease also note they dramatically increased the rent during this time. they finally rented the apt after 5 weeks and are trying to hold us responsible for the rent in that interim.
We are not rent responsible for anything beyond XX/XX/XXXX. We submitted a dispute and it was deleted XX/XX/XXXX.
They replaced it on my credit report as of XX/XX/XXXX In the total charges there are rent charges and cleaning charges for move out charges we dispute as well, the cleaning fee of {$150.00} for the refrigerator which is highlighted at only $ XXXX- {$50.00} in our lease. Lastly we are disputing the {$400.00} parts fee for stovetop replacement as the stove was in that condition upon move in and its normal wear and tear it was in working condition and we were told that was normal for an electric stovetop. This company continues to harass us even though all paperwork was uploaded
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-05
Firestone, CO
False statements or representation
Debt collection: I do not know
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
2019-02-04
AR
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I sent a Debt Validation letter via postal mail that was dated XX/XX/2019 to Fair Collections & Outsourcing. It is now XX/XX/2019 and I have not received anything Validating the alleged debt that they have listed on my credit report. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation. This collection account is 100 % not mine. It is showing a debt from XXXX XXXX which is a place that I've never lived at. I have been a victim of Identity theft and this account should be removed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-02-03
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
2019-01-31
NJ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account information incorrect
Complaint: I moved out of the apartment I rented before lease expiration date as it was dangerous to continue living there. There was a crack in the concrete ceiling that was growing in length and width and the landlord refused to fix it. I paid for the months I lived there in full.
The landlord demanded two additional rents plus {$300.00} and they reported ( and probably sold this 'debt ' to FCO ( debt collection agency ). The collector sent me a letter demanding to pay this money, I replied with a dispute letter explaining the situation and requesting debt verification.
The collector didn't verify the debt and escalated the case to credit report agencies ruining my credit score. I believe they violated Fair Debt Collection Practices Act ( FDCPA ) ( section 1692g ) and XXXX XXXX XXXX Administrative Code ( section 20-493.2 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-30
Lk Buena Vis, FL
Attempts to collect debt not owed
Debt collection: Other debt
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
2019-01-29
Lk Buena Vis, FL
Took or threatened to take negative or legal action
Debt collection: Other debt
Threatened or suggested your credit would be damaged
Complaint: On XX/XX/XXXX I spoke with FCO Fair collections and Outsourcing XXXX XXXX XXXX, XXXX, MD XXXX and agreed to settle a debt for {$170.00} in three payments, the first of which was {$50.00} and was paid immediately. THIS COMPANY ASSURED ME THAT BECAUSE I SETTLED THE DEBT THAT THIS WOULD NOT BE REPORTED TO THE CREDIT BUREAUS.
On XX/XX/XXXX, to my SHOCK this debt was reported to ALL THREE CREDIT BUREAUS. I called the company, and they DENIED that they had reported this debt, and told me to PROVE IT. I subsequently sent them an email with the PROOF which they have IGNORED TO DATE.
This is illlegal and unethical, and I want this removed IMMEDIATELY from my credit report or I will seek legal recourse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-26
Daytona Beach, FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Company Response: Closed with explanation
2019-01-24
Kingstree, SC
Written notification about debt
Debt collection: I do not know
Didn't receive enough information to verify debt
Company Response: Closed with explanation
2019-01-20
Gr, MI
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
2019-01-15
Five Points, NC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: I am filing a complaint against this collection agency because I disagree with the amount that the company is trying to collect : {$7500.00}. I have repeatedly asked for an itemized detail of the charges to show what constituted that amount. However, the collection agency only responds with a copy of the lease and a one-page statement that just says {$7500.00} on it. A copy of the lease and one page that says {$7500.00} does not constitute and itemized detail of charges. They have still not provided the information that was requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-11
Scottsdale, AZ
Incorrect information on your report
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Account status incorrect
Complaint: I have a claim in progress but also wanted to report the company representing XXXX XXXX at XXXX XXXX XXXX.
XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting false information to the credit bureaus. The XXXX at XXXX XXXX XXXX send us a final bill for our apartment so we paid the full amount on XX/XX/2015. We received confirmation from the manger on duty to let us know that our account was closed and no further payments or requirements were required from us. However, I recently checked my credit report and I noticed that XXXX XXXX XXXX XXXX XXXX with XXXX XXXX at XXXX XXXX XXXX is reporting on my account as a collection in the same amount of {$550.00} that we paid for. I contacted The XXXX at XXXX XXXX XXXX to investigate the reason why I was in collections for the same about that we provided payment for. The XXXX notified us that there is nothing that they could do - that we had to resubmit the payment. I'm attaching a copy of the check dated for XX/XX/2015, bank statements, and my credit report to suppress my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-08
Andersontown, PA
Communication tactics
Debt collection: Mortgage debt
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
2019-01-04
Bolling Afb, DC
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-01-03
Tampa Palms, FL
False statements or representation
Debt collection: I do not know
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
2019-01-01
Long Beach, CA
Attempts to collect debt not owed
Debt collection: Credit card debt
Debt was result of identity theft
Complaint: Ran my credit for the first time via XXXX XXXX.. Noticed charges I am not in anyway familiar with per credit agencies listed below. I would like to have these items of concern rectified and cleared from credit profile.
Please see the following.
( 1 ) - FAIR COLLECTIONS AND OUT states that I owe {$2100.00}. I know nothing of these charges and would like for this to be rectified and cleared from my credit score account.
( 2 ) - XXXX XXXX : {$560.00} Anything you can do will be greatly appreciated.
Mr. XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-31
Five Points, NC
Written notification about debt
Debt collection: Other debt
Didn't receive enough information to verify debt
Complaint: Fair Collections and Outsourcing is reporting that I have an outstanding debt owed to an apartment community for {$7500.00}. I acknowledge that I do have a liability with the apartment community, but I strongly disagree that it is {$7500.00}. I have requested a detailed itemization of the charges from the collection agent on multiple times, but they will not provide this information. I feel as though they are withholding this information, because they can not justify the collection amount they are reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-27
AZ
Written notification about debt
Debt collection: Other debt
Didn't receive notice of right to dispute
Complaint: Company who sold the debt to FCO was unlawful and broke Washington state law. Pursuant to the RLTA RCW 59.18.280 we never received a formal move out statement stating the amount owed within 21 days. To date we have not received a formal move out notice after multiple requests, and this is 2.5 years later.
There was no move out statement mailed which RCW 59.18.280 1b specifically states. According to the same RCW, tenant is entitled to a full refund of their deposit when this procedure has not been followed. We are requesting our full refund to be returned due to unlawful procedure on XXXX XXXX, XXXX XXXX part.
We are specifically disputing unlawful practices, as this debt was never lawfully able to be sold. Our law firm has requested multiple times to show proof they followed the RCW code which both XXXX and FCO daily to deliver.
This debt is completely unlawful and we are demanding that this unlawful attempts to collect a debt not owed is stopped, and our refund is initiated according to RCW 59.18.280
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-25
Alpharetta, GA
Written notification about debt
Debt collection: I do not know
Didn't receive notice of right to dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-24
Helena, MT
Attempts to collect debt not owed
Debt collection: Other debt
Debt is not yours
Complaint: I WAS RELEASED FROM FINACIAL OBLIGATION FROM LEASE AT XXXX XXXX AS I MOVED OUT AND THEY ARE REFUSING TO ACKNOWLEDGE, THIS SHOULD BE COLLECTED BY OTHER PARTIES THAT WERE ON THE LEASE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2018-12-20
FL
Attempts to collect debt not owed
Debt collection: Other debt
Debt was result of identity theft
Complaint: On XX/XX/18 a Validation of Debt request was sent to Fair Collections & Outsourcing on a debt they were attempting to collect for {$11000.00}. On XX/XX/18 an official dispute was mailed to Fair Collections regarding the same debt identified on behalf of XXXX XXXX XXXX in XXXX XXXX On XX/XX/18 a representative contacted our offices requesting an Identity Theft Affidavit which was immediately provided. On XX/XX/18, the Fair Collections representative advised the collection account was " on hold '' pending XXXX XXXX 's re-investigation ( and trust me, they have ALL of the needed documents too ). As of today, the account is now being reported to our client 's credit histories in clear violation of the Fair Debt Collections Practices Act. Fair Collections was previously in violation of the FDCPA when they reported a second fraudulent lease through another apartment community, in spite of receipt of all fraud documents, pending their re-investigation. This second account has now been cleared by the apartment community and reportedly removed from our client 's credit history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation