Resources for resolving common issues with Financial Business and Consumer Solutions. 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 Financial Business and Consumer Solutions. and work to get a response. After your complaint is forwarded, Financial Business and Consumer Solutions. has 15 days to respond to you and the CFPB. Financial Business and Consumer Solutions. is expected to close all but the most complicated complaints within 60 days.
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Financial Business and Consumer Solutions. Debt collection attempts to collect debt not owed debt was already discharged in bankruptcy and is no longer owed February 23, 2018 - repeat calls after I have asked not to call me anymore and asked not to call me during my work hours - call log : -/-/- - -/-/- - -/-/- - -/-/- - -/-/- - -/-/- - -/-/- - -/-/- - -/-/- -... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt was paid March 7, 2017 - I 'm being told I owe $500.00 or more to this FBCS agency for debt for - Bank in -, TN. I belive I have paid this off already and they are saying no I have n't.... |
Financial Business and Consumer Solutions. Debt collection communication tactics called after sent written cease of comm November 29, 2016 - FBCS continues to call me after I have told them numerous times to cease & desist. I have NEVER received any written communication from FBCS. Their collection agents told me they were calling concerning an account I allegedly have with - Bank. I do not have an account with - Bank. - Bank does not appear on any of my credit reports. I have researched FBCS and was horrified to find that they are repeat offenders of reporting false, fraudulent and extremely old debt to consumer credit reports. In addition, there are MANY complaints just like mine where they refuse to stop calling and har... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt is not mine October 24, 2016 - - is once again attempting to collect on the bogus final payment of $160.00. - contacted - - -., -/-/2016. The case no. was - and case No., -. After corresponding with both the cfpb and -, I received notification from - that " We ( - ) consider this matter closed as of -/-/2016. '' Now this same bill for $160.00 has been assigned to another debt collector FBCS at - - - -., - -, -, PA -. The FBCS Case No. is -. - failed in their notices to me and to - to identify the billing period associated with this expense. The e... |
Financial Business and Consumer Solutions. Debt collection communication tactics frequent or repeated calls August 10, 2016 - Put out of business and into jail for harrasments, threats, calls all hours and day and night, not our debt, holidays, terrorists, etc. The collection agency is FBSC Collection Agency/Financial Business and Consumer Solutions/-. Also under names of - or FBCS or - or - or - or -. Website is -. Always changing their address and hiding their real names to avoid the law and prosecutions. Located in - PA and MD and - - - NJ at - or - or - or - or - always harrassments day or nite or holidays and threats and more. Put out of business and into jail NOW!... |
Financial Business and Consumer Solutions. Debt collection communication tactics frequent or repeated calls June 17, 2016 - I am receiving repeated phone calls from a company called FBCS Inc. who is calling me from - different phone numbers who have been calling me repeatedly. I have received and have record of - calls since - -, 2016. I have answered the calls and no-one is there and the phone hangs up. I have called back and the recording identifies the caller as FBCS Inc. which is some kind of debt collector. I do not have any debt and feel these calls are harassing as they are calling my business phone. ... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt resulted from identity theft June 8, 2016 - Someone opened a account with - using a different address than mine. I was contacted by - regarding this and squared it away with them. I started receiving daily calls from FCBS Services. The first time I answered a call from them, they started asking me to confirm personal information, but without telling me in to what this was regarding.I told them I would not confirm any personal information like my address and last - of my social security unless I knew in what to it was regarding. After some back and forth I just hung up. They continued to call back every day. I received a letter ... |
Financial Business and Consumer Solutions. Debt collection disclosure verification of debt not given enough info to verify debt May 11, 2016 - I received a letter with the mailing address of FBCS , INC - - - -, - -, -, PA - - attached Letter - - - - is the principal agent for FBCS, INC. ; and I believe - - - is - in the same as FBCS , INC. In Letter A, there is an offer to settle an unverified DEBT at 75 % off with some company called - - - - - - - -, - - MN -. - - is acting as President and Chief Executive Officer of - - - - -. ; and i believe - - is - in the same as - - - - -. I responded with a notice o... |
Financial Business and Consumer Solutions. Debt collection communication tactics called outside of 8am-9pm May 9, 2016 - On -/-/2016, I was phoned at - by FBCS Consumer Contact Solutions, - - - -, - - -, PA -. FBCS is - This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's - My carrier is -, and I would be happy to supply the phone record of the incoming call at - - from phone number - to my phone number. ... |
Financial Business and Consumer Solutions. Debt collection disclosure verification of debt not given enough info to verify debt February 3, 2016 - I did not receive any communication of this debt and if it was a true debt, did not receive the opportunity to resolve the matter. I never once receive a letter/bill to reflect what this is for. I only found out as it was reported on my credit report as a 'collection '' on - -. When I called FBCS on -/-/-, I was told it was for services provided on -/-/-. I called -, which was my insurance provider at the time, and they do not show any claims submitted for that date or even for a range that they searched for. I asked FBCS to send me 'proof ' to see what this medical ... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt is not mine January 27, 2016 - After repeated attempts to collect a false debt by phone, I was sent a collection letter dated - -, 2016. The letter was addressed to - -. There is no such person at our home address. The debt is for a cable bill incurred with - - -. There has never been a - - account at our address. The cable provider for this address is - - -. The collection bill from FBCS is the latest in a series of demands for payment previously made by phone which extend over a year. I have repeatedly informed the collection agents there is no such person at this address and no connect... |
Financial Business and Consumer Solutions. Debt collection improper contact or sharing of info contacted me after i asked not to January 9, 2016 - I appreciate that your company is willing to work with me in settling this debt so, that this may be resolute therefore, this letter is to make a counter offer in response to the settlement offer made by your company ( FBCS Inc. ), which I received on - -, 2015. The amount that I propose to settle the debt in full is $300.00. I would also like to request that you remove any late payments or charge-offs on this account from my credit report from the original creditor - and refrain from reporting any condescending remarks in regards to this offer it should not reflect any negative or... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt is not mine December 22, 2015 - There is an account on my credit report listed as Federal Bond and Collection stating it was opened in - 2015 in the amount of $2500.00 but the current balance owed is $4600.00. This is a fraudulent collection as I did not open any accounts or loans around that time and in those amounts. There needs to be documentation produced to prove this collection is valid and belongs to me. ... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt is not mine December 21, 2015 - I received a letter informing me that I have a collection of $4200.00. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a - account that was opened in -. I live in - Idaho, the only - that was here was opened in -, then it closed within a year. I have never had a - account. I have even contact - and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing s... |
Financial Business and Consumer Solutions. Debt collection disclosure verification of debt right to dispute notice not received December 7, 2015 - FBCS has placed a collection item on my - credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. I have no idea of the debt, ... |
Financial Business and Consumer Solutions. Debt collection disclosure verification of debt right to dispute notice not received November 17, 2015 - Today I checked my credit report, and there was an unknown medical collection from FBCS Inc, account number -. I have never heard of this company, I have never received any information pertaining to the bill or collection in question. I have no idea what it is from, or where it came from. My credit report says that this is a medical collection that was assigned on -. FBCS, Inc. had plenty of time to send me a debt validation notice '' prior to inserting this onto my credit report, but has failed to do so. FBCS lists the original creditor as -. I have never opened an account with -... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt is not mine November 12, 2015 - I got a call requesting my ss # and birthday for a debt which I know nothing about. ... |
Financial Business and Consumer Solutions. Debt collection disclosure verification of debt right to dispute notice not received November 3, 2015 - As per my correspondence received -/-/- concerning my dispute with the University of - . ( SEE ATTACHED DOC ) How can an invalidated debt become a charge-off? I am in dispute of this charge-off. A charge-off is a notation on your credit report indicating that the original lender has written off the charge as unlikely to ever be paid. An account that is 120 to 180 days past due usually will be charged off. In this situation, I find it particularly troubling that - would charge-off a debt at such a stage. ESPECIALLY WITH A $00.00 BALANCE. ( SEE ACCOUNT HISTORY. A charge-off is an in... |
Financial Business and Consumer Solutions. Debt collection communication tactics frequent or repeated calls October 30, 2015 - FBCS Senior Representative - - (? ) contacted me - - at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on - - indicating the debt was bought by - not - as - had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on - -. I received calls - -, -, and -, as well as -. On - I talked to - again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledg... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt is not mine October 26, 2015 - continued calls from - - financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you. ... |
Financial Business and Consumer Solutions. Debt collection communication tactics frequent or repeated calls October 20, 2015 - Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were. ... |
Financial Business and Consumer Solutions. Debt collection communication tactics called after sent written cease of comm October 14, 2015 - Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line. ... |
Financial Business and Consumer Solutions. Debt collection false statements or representation attempted to collect wrong amount October 14, 2015 - I was told that they would settle for a certain amount and every time they tried my bank would not approve the transaction or I could not get out of the house to reload my card, as I am a -. I tried several times for them to take the money out but they kept saying that it was n't going through so they backed out of their agreement with paying $280.00 to close out the debt. When I called them today they told me that I now owed the full amount because I did n't follow through with the agreement. I told them last Friday that I was waiting for my money to clear in the bank and then I would ca... |
Financial Business and Consumer Solutions. Debt collection improper contact or sharing of info contacted me after i asked not to October 13, 2015 - - is attempting to collect a debt. They call me during work hours and I have told them - orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at -. They have never attempted to contact me during that time and continue to call outside of that time. ... |
Financial Business and Consumer Solutions. Debt collection disclosure verification of debt right to dispute notice not received October 13, 2015 - As per the correspondence, I received from : - - Dated : - -, 2015/ CORRESPONDENCE RECEIVED -/-/2015. This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from - on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and - ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that - verify to me and prove that I am indeed the party who... |
Financial Business and Consumer Solutions. Debt collection cont'd attempts collect debt not owed debt was discharged in bankruptcy September 21, 2015 - FBCS INC HAS BEEN WITHDRAWING MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF - DOLLARS PER MONTH. THIS DEBT WAS INCLUDED IN CHAPTER - BANKRUPTCY. FBCS INC COLLECTION AGENCY HAS NO WRITTEN AUTHORIZATION FROM ME TO WITHDRAW ANY MONEY FROM MY CHECKING ACCOUNT FROM -. SINCE FBCS INC HAS NO WRITTEN AUTHORIZATION FROM ME TO DO SO AND NEVER DID GET ANY FORM OF AUTHORIZATION THEY NEED TO CEASE ANY FURTHER COLLECTION FROM MY CHECKING ACCOUNT. THEY NEED TO UPDATE THEIR RECORDS TO SHOW DISCHARGED IN CHAPTER - BANKRUPTCY AND PAY ME BACK FOR ANY MONEY THAT HAS BEEN WITHDRAWN FROM ME. ... |
Financial Business and Consumer Solutions. Debt collection communication tactics frequent or repeated calls September 14, 2015 - I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing .... ... |