|
7573348
|
2023-09-19
|
False statements or representation
|
Debt collection
|
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Rental debt
|
| Date Received |
2023-09-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-09-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
2224510
|
2016-11-28
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2016-11-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-12-11
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
459677
|
2013-07-17
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Tags |
Older American
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2013-07-17
|
| Submitted Via |
Phone
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-07-23
|
| Consumer Consent Provided |
N/A
|
|
|
590959
|
2013-11-10
|
Cont'd attempts collect debt not owed
|
Debt collection
|
|
| Issue |
Cont'd attempts collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not mine
|
| Sub Product |
Other (i.e. phone, health club, etc.)
|
| Date Received |
2013-11-10
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2013-11-13
|
| Consumer Consent Provided |
N/A
|
|
|
2657971
|
2017-09-04
|
False statements or representation
|
Debt collection
|
|
| Tags |
Servicemember
|
| Issue |
False statements or representation
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Attempted to collect wrong amount
|
| Sub Product |
Other debt
|
| Date Received |
2017-09-04
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2017-09-05
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Fair Collection and Outsourcing, Inc did not investigate and verify with the original creditor the amount that was owed. They send me a bill instead and forced me to pay it. This alleged debt was from an apartment complex. Up to this day, this company refuses to verify the correct amount owed to the original creditor. I since then made contact with the original creditor and they can locate any balance owed.
This company needs to be investigated about its practices. They are violating FCRA.
|
| Consumer Consent Provided |
Consent provided
|
|
|
3353963
|
2019-08-26
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
I do not know
|
| Date Received |
2019-08-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2019-08-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I contacted the company they refused to validate the debt, or remove the item.
|
| Consumer Consent Provided |
Consent provided
|
|
|
5060675
|
2022-01-03
|
Incorrect information on your report
|
Credit reporting, credit repair services, or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Credit reporting, credit repair services, or other personal consumer reports
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
Credit reporting
|
| Date Received |
2022-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2022-01-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
4719132
|
2021-09-14
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt was result of identity theft
|
| Sub Product |
Other debt
|
| Date Received |
2021-09-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2021-09-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Fair Collections and outsourcing agency have sent letter to me attempting to collect a debt that is not owned by me. I have notified them and let them know they are a third party attempting to collect a fraudulent debt. I have sent them a copy of FTC report. I am by no means going to tolerate them bullying me into taking responsibility of debt that is not owed by me. I have told them to seise all communication and attempts to collect debt not owned or I will take legal action against them. This collection agency is in complete violation of Fair Debt Collection Practices Act.
|
| Consumer Consent Provided |
Consent provided
|
|
|
9289889
|
2024-06-18
|
Written notification about debt
|
Debt collection
|
|
| Issue |
Written notification about debt
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Didn't receive notice of right to dispute
|
| Sub Product |
Rental debt
|
| Date Received |
2024-06-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-06-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
CFPB Complaint Against Fair Collection & Out Your Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, KY XXXX Email Address : XXXX Date : XX/XX/2024 Debt Collector : Fair Collection & Out Debt Collector Address : XXXX XXXX XXXX XXXX XXXX MD XXXX Original Creditor : XXXX XXXX XXXX I am filing this complaint against Fair Collection & Out ( herein after " FCO '' ) for violating the Fair Debt Collection Practices Act ( FDCPA ) and its implementing regulations. Specifically, FCO has engaged in the following unfair, deceptive, and abusive practices : Violations : 12 C.F.R. 1006.34 ( b ) ( 5 ) : FCO has violated the restriction on contacting you at inconvenient times or places. ( Provide specific details of the inconvenient times or places you were contacted, e.g., early mornings, late nights, at your workplace when contacting employees is prohibited ).
12 C.F.R. 1006.35 ( c ) ( 4 ) ( i ) : FCO has contacted you by phone more than seven ( 7 ) times in one week or within seven ( 7 ) days following a conversation about the debt. ( Provide details of the excessive call frequency ).
12 C.F.R. 1006.34 ( d ) : FCO has used harassing, oppressive, or abusive language during its communication attempts ( Provide specific examples of harassing or abusive language used by FCO ).
15 U.S.C. 1681s-2 ( 7 ) ( A ) : FCO has made false or misleading representations about the character, amount, or legal status of the debt. ( Provide details of the alleged misrepresentation, e.g., inaccurate amount of debt claimed, threats of wage garnishment without legal basis ).
Request for Relief : I request that the CFPB investigate these violations and take appropriate action against FCO. This may include : Ordering FCO to cease all communication regarding the debt.
Verifying the debt and providing written validation of the amount.
Correcting any inaccurate information reported to credit bureaus.
Awarding damages for emotional distress and any other losses caused by FCO 's violations.
Thank you for your time and attention to this matter. I look forward to your prompt investigation and resolution.
Sincerely, XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
8647790
|
2024-03-28
|
Attempts to collect debt not owed
|
Debt collection
|
|
| Issue |
Attempts to collect debt not owed
|
| Timely |
Yes
|
| Company |
FAIR COLLECTIONS & OUTSOURCING, INC.
|
| Product |
Debt collection
|
| Sub Issue |
Debt is not yours
|
| Sub Product |
Rental debt
|
| Date Received |
2024-03-28
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-03-28
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
