Resources for resolving common issues with FAIR COLLECTIONS & OUTSOURCING, INC. products and services
The Consumer Financial Protection Bureau (CFPB) is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives.
The CFPB will forward your complaint to FAIR COLLECTIONS & OUTSOURCING, INC. and work to get a response. After your complaint is forwarded, FAIR COLLECTIONS & OUTSOURCING, INC. has 15 days to respond to you and the CFPB. FAIR COLLECTIONS & OUTSOURCING, INC. is expected to close all but the most complicated complaints within 60 days.
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FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection attempts to collect debt not owed debt is not yours November 27, 2019 - - -2014 fair collections and out - - @ - - - $6500.00 I despised this I dont understand why this is my responsibility. I lived in my boyfriends home but if I was ever gon na go live with my parents or stay a few days it was said I had to give my info. I was not working while living here nor was this my residence. Had I ever realized this debt would fall on me I never would have handed these people my info and if I needed to go home to my parents a shelter would have been a better option. Its infuriating this large sum is stuck on my credit and at no time did I ever say i... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection attempts to collect debt not owed debt is not yours August 17, 2017 - This is my last effort to resolve this matter before I pursue to taking legal action. This company had reported an account on my credit report that I believed to be inaccurate and in violation of the FCRA. Hence, I wrote to this company not only disputing this account but asking them to prove the validity of it and asked that the item is removed if they couldnt produce the requisite information. No signed contract was produced to show this item belonged to me.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Credit reporting incorrect information on credit report reinserted previously deleted info February 13, 2017 - I had an issue with fair collection and outsourcing - ave - MD back in -/-/- when i noticed there was an apartment through garden terrace appartments which is when i had found out i had identity theft happen to me i then made a police report and contacted all major credit reporting agencys i now have an extended alert on there. Needless to say i spoke with the compliance department with fair collections and outsourcing ( fco ) and garden terrace apartments which they had told me it was due to a name hit and not linked to my social security number well after investigation i recieved ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt was paid February 8, 2017 - I went into - and was told by their representative that I could cancel AT ANY TIME. I paid $750.00 on the - day and received NO services. I sent a certified letter to - within - days saying I wanted to cancel and for them to refund my $750.00 deposit as I received no services of any kind. They refused to refund me and have now sent me to collections for services I never received. They fraudulently represented themselves to get me to sign up and then once they got me, they claimed I signed up. There are numerous complaints against this company that I discovered after the fact. I... |
FAIR COLLECTIONS & OUTSOURCING, INC. Credit reporting incorrect information on credit report account status January 31, 2017 - The following account debt was dismissed by the courts with documentation, but Collection Company is still aggressively attacking credit bureaus with constant adverse credit report scouring. This account was a joint account with my - year old mother who had perfect credit, but now it`s ruin because they constantly report this collection to the credit bureaus in a very negative way. This excessive negative reporting is interfering with me purchasing a home. Thank you for your help and support. Fair Collections and Outsourcing - - - -, -, MD - Phone : - Account # : -... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine January 23, 2017 - This account is reporting on all - of my credit bureaus and its not mine. Despite numerous attempts to contact them to get it removed they are still reporting it on my credit. This account is n't mine and I need it to be removed ASAP.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt not given enough info to verify debt January 20, 2017 - In -/-/-, we ( my roomates and I ) were contacted about debt that we owed regarding move-out charges on our apartment that our security deposit did not cover. The total amount in dispute was $7500.00. We ask for verification of the debt and the credit collection agency provided details regarding the debt. All of the debt was related to replacing our - square foot hardwood floor. However, we did not have - square feet of hardwood floor. Within our 30 day response period, we sent the company our floor plan which shows - square feet of hardwood floor. The credit company ignored th... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount January 17, 2017 - To the Consumer Financial Protection Bureau : I - recently filed a CFPB complaint against a national collection agency that specialized in the collection of unpaid rent. This agency send a compromised offer, but they did not expose the truth of my arrangement with The - apartment complex. I hereby attach a copy of an email between myself and -, Assistant Property Manager at the apartment complex in question. My move out from this complex was requested professionally as I was facing a family crisis back in - State, and the ownership was understanding and agreed that I would only be ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt right to dispute notice not received January 10, 2017 - I requested a verification from Fair Collections & Outsourcing after noticing a collection notice on my report. Now they have listed the debt as late payment on my credit report. This is a communication tactic they are using to get me to admit and settle this debt.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt not given enough info to verify debt January 9, 2017 - Requested a verification of the debt and did not get one. Instead i get a negative remark placed on my credit report for late payment. I never owe this company and it is unfair to place a negative remark on my credit report without verifying the debt. My credit score was impacted by this.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount December 29, 2016 - I recently paid a debt of $160.00 from 2012 against my principles to the - - of properties, specifically the - at - -. The reason for this charge was because they raised my rent, converting me to a month-to-month lease while I was on - - with the - - stationed at - -, MD. I was in the - Transition Unit at the time, recovering from -. My orders were modified three different times, altering my discharge date. I informed the front office of this and provided a copy of the orders. I offered to sign a lease, but was told it was n't necessary since I was in t... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection improper contact or sharing of info contacted me after i asked not to December 28, 2016 - I sent a certified letter on -/-/- ( received and signed for on -/-/- ) requesting they only contact me via mail and on -/-/2016 I received a phone call and subsequent voicemail from this company. I also requested verification of the alleged debt and all I received was a " Disposition of Charges '' that did n't tell me anything.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection taking/threatening an illegal action attempted to/collected exempt funds December 26, 2016 - Enclosed is a letter with information that I sent to a collections company that was and is looking to collect a fraudulent loan that is fraud, bad faith, and done with a modus operandi that violates regular rules of collections and finance law. See letter below that was sent to Finance company.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection communication tactics frequent or repeated calls December 23, 2016 - They call my phone numerous times between - and -. I have told them to stop calling and sending letters and they refuse to do so!... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine December 16, 2016 - I have no knowledge of this debt... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine December 15, 2016 - My former apartment complex is claiming I owe two months of rent. I abide to my lease and move out on my move out date. I do now owe them I have paid the amount I do owe. Collections can not find proof that I owe two months rent.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt not given enough info to verify debt December 13, 2016 - I - - file this complaint against a collection agency that acquired information on me from a situation I faced back in 2007. The original company called - - - has lost all legal ability to collect on a debt that was never owed in the first place. My information was acquired through a debt collection pool that has been scrutinized by the Federal Trade Commission and the Consumer Financial Protection Bureau. Under the Fair Debt Collection Practices Act a debt of this nature must be 100 % validated. Fair Collections and Outsourcing has shown no proof of ownership or the approval to... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft December 6, 2016 - FAIR COLLECTIONS & O ACCOUNT NUMBERs : - -/-/- - Phone : - ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : 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 t... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount November 29, 2016 - -/-/- I move to a property on - - - -, - -, CA - and moved out my stuff on -/-/- when someone from this company where able to pick up the house keys from me, by the time that I move on -/-/- I have to give to my landlord -/-/- which is the first and last month plus almost - - more for me to moving in 4 days before moving day, until there where where fine. After I move to the property on -/-/- I start taking to my neighbors about the previous tenant and they told me that previous tenant moved out because the house was infested by termite and r... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount November 15, 2016 - Fair Collections and Outsourcing INC. has committed several violations of FCRA. They are trying to collect the wrong amount. They have sent a misleading illegible fraudulent receipt in response to my validation request sent certified mail. Their billing statement does not include the required criteria by FCRA. They have continued to report during dispute several times. They continue to duplicate report. They have been verbally abusive. They have stated in letters that they have conducted investigation without my request and have not provided said investigation information. Continues to... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt was paid November 4, 2016 - Moved out of apartment due to condition of carpet from previous owners having pets ... contacted management on several occasions and was told I could move without any penalty!... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt was paid October 29, 2016 - On -/-/- a Stipulation of settlement was ordered by the - country court in the amount of $14000.00 and $7400.00 both amounts were paid in full and the premises was cleared as per the order on -/-/-. I have spoken to - - - and - - - at - numerous times. Conversations started on - - and ended with no resolution on - - despite me sending him all the papers and documents that he has requested. - - at FCO promised to contact - - to resolve this matter. On - - I spoke to - - and he informed me that they did not reach... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft September 8, 2016 - FCO contacted me in reference to a debt I do n't owe. I explained I am a victim of identity theft and supplied proof of the individuals sentenced to prison. Explained I do n't recognize the company and never had an account with such company. They stated they do n't have a time limit on how long it will take before they finish the investigation on their end to remove items from my credit report. I need this item removed from my reports.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount August 29, 2016 - Reporting wrong amount to credit bureaus and refusing to accept payment of proper amount. 1. - final account statement dated - -, 2015 shows a balance of $600.00. See attached. 2. This final statement has a charge of $85.00 for final utilities. I had already paid the final utilities. Proof of this is attached. 3. This final statement has a charge of $270.00 to " re-glaze '' a tub that was in the same condition upon move-in. It was an older apartment with an older tub that had slight discoloration and wear and tear upon move-in. This seemed normal given the age, so I did not ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt not given enough info to verify debt August 12, 2016 - In -/-/-, -/-/-, and through current date - -, 2016 in addition to past years, I have made numerous attempts to resolve this alleged debt with Fair Collections and Outsourcing, including but not limited to contacting - - the compliance representative by both email and mail. I am certain that letters requesting validation were received since I have all the receipts for the certified copies with signature confirmation pick up and signed by - -. As of today, - -, 2016, FCO has failed to forward validation documents of this alleged debt. to me. Since I am disputi... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine July 20, 2016 - A request was made by me to terminate my lease at Pleasure Bay Apartments, - - NJ prior to the end of the year term due to a job change in another state for a move out date of - - -. The original year lease was until - - -. A week prior to moving out I visited, in person, the - - Office on - -. An employee of - informed me that there are other tenants that are scheduled to move in - - so I am able to terminate the lease early without any penalty. Prior to that in person meeting there was no communication received from - - regarding the situat... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine July 12, 2016 - I have sent many disputes to the Credit Agencies and to Fair Collections and Out in regards to the account that they are reporting on my credit file. I have informed them many times that this account do not belong to me. I contacted the Credit Agencies and they stated that Fair Collections and Out verified that this account is accurate. But it is ironic how Fair Collections and Out will respond to the Credit Agencies but not to me. It seems to me as if they are intentionally disregarding all of my letters and the FCRA laws. I have also sent them a Fraud Affidavit and still no response from Fai... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine June 29, 2016 - I sent letter to debt collector/creditor to verify debt I received no response and/or documents. I mailed letter on - - and have proof from post office verifying this. I have complied with all credit reporting laws and have given the appropriate time to respond and would like this matter resolved and deleted from all credit bureaus.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine June 29, 2016 - i have contacted FAIR COLLECTION AND OUT many times since receiving a bill from them about a previous apartment. Before sent to collection, i asked for verification of debt because i was shocked that i owed anything. Even representative there did n't know why the amount was so high but referred dispute to - -, where they continued to verify as accurate. The same manager whom i filed - - complaints on, - because i was asking for a provisional credit because AC was n't working for months properly and had inflated the cost of my electric bill and not livable for me and my - year... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt was paid June 27, 2016 - I was a cosigner on an apartment lease for my son, - -, who is on - - in United States - - since - -, -. Before my son left for - -, he had been working on paying the final bill for his apartment lease. He paid the final bill in - of -. We noticed in - - that we were in derogatory standing so we called the company. They sent us a printout of the charges ( not an itemized bill ) and my son noticed that he had already paid the charges. They were double charging him plus they added a carpet cleaning fee for the carpet ( they had already inspected befor... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine June 20, 2016 - - accounts for Fair Collections and Outsourcing, # -, and # -, are in error. I have attempted to get these alleged debts removed from my credit reports. - have done so, but - refuses. These alleged debts were purchased by a collection agency from - - Apartments. I have sent documents proving that I do not owe this debt. In a nutshell, I had planned to lease an apartment - Apartments, only to receive military orders to report to duty in New York State. Despite federal law, the Soldiers and Sailors Relief Act, which required - - Apartments to rescind the lease once ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine June 12, 2016 - For the past 2 weeks I have been receiving harassing phone calls from Fair Collection and Outsourcing ( FCO ) regarding an alleged debt owed to - - - - - -. I have spoken to this agency once and informed them that I have never lived in Maryland and that they have the wrong individual. Today, - -, 2016. I received a collections letter in the mail informing me that I owe $8000.00 and that I need to pay it. I have reviewed my credit report from all - credit bureaus. This company has inquired about my credit via - without my permission or consent. I suspect this is ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount June 8, 2016 - Disappointing experience working with fair collections and outsourcing ( FCO ) Called to settle payment after receiving 60 % off offer. Was told they would honor - % today since original offer was expired. I asked to speak to a manager. The manager let me know they would ask the debt collection company and they had no abiltiy to offer more than - % without the clients permisssion. The agent I spoke to that day was - - and the manager was - -. The following day, - -, 2016, I called for the status and was told the client had not gotten back to them. I mentioned that I... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation impersonated an attorney or official June 3, 2016 - 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. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt right to dispute notice not received June 1, 2016 - Fair Collections & Outsourcing is currently reporting a collection account on my credit report from -. I have no knowledge of this account and i have never rented an apartment from - 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 - to dispute the alleged account as well. This account does not belong to me and should not be reporting on my credit file ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount May 31, 2016 - Hi It was surprising to hear when FCO collection department called me up and started saying I owe $ 5300+ amount for - - - -, - NY - 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 -/-/-, 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 - - - , never got res... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine May 14, 2016 - I applied for an apartment in - - - like three years ago due that I was going to get a job in - 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 - 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 apartme... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection communication tactics threatened to take legal action May 11, 2016 - - - and I dispute the amount of damages owed me and offsetting rent. Rather than resolve this dispute, - turned over their claim to Fair Collections and Outsourcing for collections. The amount owed is undetermined and unresolved, yet - chose to intimidate me by misrepresenting to FCO that I owed money. - engaged in deceptive business practices, fraud, destroyed my personal property, and committed numerous violations of the - 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 ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount May 11, 2016 - - - 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 - - - by failing to provide services such as running water. - - 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 m... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine May 10, 2016 - 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 - - -. FCO was not able to provide me the copy of the original utility Bills as - - - was asking me to pay more for the Gas compared to the original Gas Bill. So, ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy May 9, 2016 - 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. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Consumer Loan managing the loan or lease April 28, 2016 - 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 - -, 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 respons... |
FAIR COLLECTIONS & OUTSOURCING, INC. Credit reporting incorrect information on credit report account status March 8, 2016 - 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... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine January 22, 2016 - The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is - - - -, 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 - - 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 le... |
FAIR COLLECTIONS & OUTSOURCING, INC. Credit reporting incorrect information on credit report account terms January 12, 2016 - 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 comp... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine January 5, 2016 - Received a call from a person stated his name was -, ( - ) -, at about - -, on - -, 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. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine January 2, 2016 - On - -, - I was evicted from my apartment at - - -, -, IL - under Management of -. I was given until -/-/- to move out, and a judgement-- was entered against me for $1000.00, which included attorney fees, and court cost. A sheriff notice was placed on my door on - to move within 48 hrs before any sheriff came out I had moved out. On - -, -, 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 - - -, - - sent me ANO... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount December 28, 2015 - I moved from the - on - - on - -, -. The - management is attempting to extort me after keeping my $150.00 deposit. Now - is wanting an additional $120.00. They are claiming that I left drywall damage, which is not true, the building I lived in ( - ) foundation was repaired -/-/-, 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 -/-/- along with the cou... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine December 18, 2015 - 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, - - -, - -, -, MD -. The calls came from - & -. 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. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt not given enough info to verify debt December 9, 2015 - I received a letter from FCO dated -/-/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 - 's client wanted payment based on $830.00 however they are unwilling or unable to provide a statement explaini... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine December 6, 2015 - This debt was disputed with the original creditor -/-/-. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from - 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. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection communication tactics frequent or repeated calls December 2, 2015 - 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. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Mortgage application, originator, mortgage broker November 24, 2015 - 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. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft November 17, 2015 - Someone stole my Identity in 2014. I filed a police report. Many creditors took action to fix the situations that arose. But - 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. - - - - - - -, MD. - - www.fco.com ). They keep telling me I need to complete their form which asks for a litany of my personal information tha... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine November 15, 2015 - The personal identities of my wife and I, which we had entered on our rental application to the - at - - - -, -, VA -, including our names, birth dates and social security numbers and other confidential personal information, have been fraudulently misused by the -. For example, the - secretly took money from my wife 's - bank account. This unauthorized charge was accidently discovered when reviewing another transaction. After conducting a full investigation, the - bank fraud investigators concluded that this was financial fraud, unauthorized charge, theft, etc.... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection false statements or representation attempted to collect wrong amount November 6, 2015 - I was ordered to move from my apartment because of an issue with the complex. The property manager, -, mixed up the information with the collection agency with the information of my neighbor, as she did when I moved in. It was a total breech of contract, because I never received the new appliances that were included in the lease agreement. She stated that I had to move immediately and no clean up cost would be added to my early termination of the lease agreement. Then she added a lot of cleaning fees and false information to the collections department. I can provide a written statement from... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt was paid November 5, 2015 - I have obtained several emails and had countless phone calls from -, representing a client that owns apartments buildings, in which I lived in for a period of time. During the time of me living there, there was a flood, in which the apartment was found uninhabitable, and my insurance company paid out a tremendous sum to the non named Apartment Complex during the claim in which no one admitted fault. ( The flood happened while I was not home ) After my insurance company paid the claim. I received very specific documentation that I was relinquished of any and all obligation I had toward that ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection cont'd attempts collect debt not owed debt is not mine October 30, 2015 - I have disputed the debt with the credit bureau, and the debtor has failed to validate the debt is mine. I am requesting the collection item be removed immediately due to noncompliance of the section 809 of the Fair Debt collection practices act. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt not given enough info to verify debt October 29, 2015 - I called FCO and spoke with a - - I asked for something so I can see if this is our debt or not the CSR kept trying to verify over the phone and make me state that it was my debt. I told him that I do not know what this I want something sent but he was n't trying to me anything until I verified if it was mine, hence me needing documents he said they have had it since -/-/2014 I have not received anything to verify or dispute this and we would like this removed from our credit if indeed this is not ours. ... |
FAIR COLLECTIONS & OUTSOURCING, INC. Debt collection disclosure verification of debt not given enough info to verify debt October 12, 2015 - I received notice of an alleged debt owed to Fair Credit Outsourcing and sent a -/-/- Debt Verification Affidavit which was received -/-/- - ; - by representative ( - ) or agent ( - ) of Fair Credit Outsourcing. FCO has failed to Validate the alleged debt and has provided information to the Consumer Reporting Agencies that is inaccurate, invalidated, unverified and is in direct violation of the FCRA -/-/-s-2, 15 USC -/-/-e ( 8 ), 15 USC -/-/-e ( 10 ), Fair Credit Reporting Act ( FCRA ) 15 U.S.C. -/-/- ( Public Law 91-508 -, 15 U.S.C. -/-/- -... |