ComplaintsforFair Collections & Outsourcings, Inc.

• Initial Complaint

  08/02/2023

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  In February 2021, my wife and I were given a move out balance owed by our apartment. We paid the balance, moved out, and were never notified of owing any additional amount. 6 months later, we were contacted by Fair Collections & Outsourcing claiming we owed $107 and this amount was instantly reported negatively on our credit reports without us having a chance to pay or dispute. The debt was never verified or explained what it was even for, but we were deceived into paying it as a settlement under the belief that this would result in it being deleted/removed from our credit report due to misleading statements by Fair Collections & Outsourcing. We have attempted to dispute it multiple times, but the credit bureaus just believe whatever Fair Collections & Outsourcing tells them even though there is no proof for them to have allegedly verified. Fair Collections & Outsourcing has ignored the issue and any communication as they continue to pillage erroneous collections illegally.

• Initial Complaint

  07/29/2023

  Complaint Type:

  Order Issues

  Status:

  Unanswered

  More info

  I am not liable for this debt with ************************, I do not have a contract with Fair Collections & Outsourcing, they did not provide me with the original contract as I requested.

  Customer response

  08/16/2023

  Hello BBB Team, 

  A certified letter was sent on February 15th, 2023.

  Thanks,

  ***

• Initial Complaint

  07/28/2023

  Complaint Type:

  Billing Issues

  Status:

  Unanswered

  More info

  I was unaware of debt until debt was sold to a collections agency, FAIR COLLECTIONS & OUTSOURCINGS, INC located in 12304 BALTIMORE AVE STE BELTSVILLE, MD 20705. Debt was reported on my credit report as unpaid. I was NEVER notified about unpaid debt. §1681s–2. Responsibilities of furnishers of information to consumer reporting agencies (a) Duty of furnishers of information to provide accurate information (1) Prohibition (A) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or consciously avoids knowing that the information is inaccurate. Prior to debt being sold to a collection agency creditor was placed in contact with probate attorney regarding debt to be paid. Proof of email between probate attorney, ***** ****** and ****** ********, Assistant Portfolio Manager from ********** ***** is attached. Also, I have attached a final judgement of order stating the following: The PR has filed an accounting within her proposed Distribution Schedule on July 14, 2022, and/or waivers signed by all interested persons waiving the filing of a Final Accounting. 3. There are no creditor claims. 4. The PR has fully administered this estate by making payment, settlement, or other disposition of all claims and debts that were presented, and by paying or making provision for the payment of all taxes and expenses of administration. 5. PR has filed all required estate tax returns with the Internal Revenue Service and has obtained and filed with this court evidence of the satisfaction of this estate's obligations for federal estate taxes, if any.

• Initial Complaint

  07/27/2023

  Complaint Type:

  Service or Repair Issues

  Status:

  Unanswered

  More info

  I want to emphasize that I am not in any way, shape, or form affiliated with this account. It appears to be an error, and I request an immediate investigation into this matter. As a law-abiding consumer, I take my credit report seriously and strive for its accuracy.I am not liable for this debt with charter Fair Collections & Outsourcings, Inc.I do not have a contract with Fair Collections & Outsourcings, Inc.

• Initial Complaint

  07/25/2023

  Complaint Type:

  Billing Issues

  Status:

  Resolved

  More info

  I DO NOT HAVE A CONTRACT WITH THIS FAIR COLLECTIONS OUTSOUCING, DID NOT SIGN ANY PAPERWORK, I AM NOT LIABLE FOR THIS DEBT WITH FAIR COLLECTIONS, DEMAND THIS BE REMOVE FROM MY CREDIT REPORT

  Customer response

  08/05/2023

  I am asking that this account be removed from my ******** credit report,  this is fraud,  debt does not belong to me,  I have no written paperwork with this company,  I have no contract with this company.. I am demanding my name be cleared and my life back, this is very stressful 

• Initial Complaint

  07/25/2023

  Complaint Type:

  Order Issues

  Status:

  Unanswered

  More info

  I am not liable for this debt with ***************************. I do not have a contract with Fair Collections & Outsourcing, INC, as they did not provide me with the original contract, as requested.

  Customer response

  08/09/2023

  I am responding to your contact about a debt you are trying to collect. You contacted me by mail],] and identified the debt as $5676.04].
  Please supply the information below so that I can be fully informed:
  Why you think I owe the debt and to whom I owe it, including:
  • The name and address of the creditor to whom the debt is currently owed, the account number used by that creditor, and the
  amount owed.
  • If this debt started with a different creditor, provide the name and address of the original creditor, the account number used
  by that creditor, and the amount owed to that creditor at the time it was transferred. When you identify the original creditor,
  please provide any other name by which I might know them, if that is different from the official name. In addition, tell me
  when the current creditor obtained the debt and who the current creditor obtained it from.
  • Provide verification and documentation that there is a valid basis for claiming that I am required to pay the debt to the current
  creditor. For example, can you provide a copy of the written agreement that created my original requirement to pay?
  • If you are asking that I pay a debt that somebody else is or was required to pay, identify that person. Provide verification and
  documentation about why this is a debt that I am required to pay.

  The amount and age of the debt, including:
  • A copy of the last billing statement sent to me by the original creditor.
  • State the amount of the debt when you obtained it, and when that was.
  • If there have been any additional interest, fees or charges added since the last billing statement from the original creditor, provide
  an itemization showing the dates and amount of each added amount. In addition, explain how the added interest, fees or other
  charges are expressly authorized by the agreement creating the debt or are permitted by law.
  • If there have been any payments or other reductions since the last billing statement from the original creditor, provide an
  itemization showing the dates and amount of each of them.
  • If there have been any other changes or adjustments since the last billing statement from the original creditor, please provide
  full verification and documentation of the amount you are trying to collect. Explain how that amount was calculated. In
  addition, explain how the other changes or adjustments are expressly authorized by the agreement creating the debt or
  permitted by law.
  • Tell me when the creditor claims this debt became due and when it became delinquent.
  • Identify the date of the last payment made on this account.
  • Have you made a determination that this debt is within the statute of limitations applicable to it? Tell me when you think the
  statute of limitations expires for this debt, and how you determined that.
  Details about your authority to collect this debt.
  • I would like more information about your firm before I discuss the debt with you. Does your firm have a debt collection license
  from my state? If not, say why not. If so, provide the date of the license, the name on the license, the license number, and the
  name, address and telephone number of the state agency issuing the license.
  • If you are contacting me from a place outside my state, does your firm have a debt collection license from that place? If so,
  provide the date of the license, the name on the license, the license number, and the name, address and telephone number of
  the state agency issuing the license.
  I have asked for this information because I have some questions. I need to hear from you to make an informed decision about your claim that I
  owe this money. I am open to communicating with you for this purpose. In order to make sure that I am not put at any disadvantage, in the
  meantime please treat this debt as being in dispute and under discussion between us.
  In addition to providing the information requested above, please let me know whether you are prepared to accept less than the balance you
  are claiming is owed. If so, please tell me in writing your offer with the amount you will accept to fully resolve the account.
  Thank you for your cooperation.

  Customer response

  08/09/2023

  Please see my attached request for more information from FCO and thier follow-up email.

  Jun 8

  "Dear consumer

  FCO has received your disputed request. 

  Your request will be verified for security purposes.  

  Sincerely, 

  FCO Compliance Department

  If you have additional questions regarding your account, please contact FCO @ ***.***.****

  THIS IS AN ATTEMPT TO COLLECT A DEBT, ANY INFORMATION OBTAINED WILL BE SED FOR THAT PURPOSE

• Initial Complaint

  07/24/2023

  Complaint Type:

  Sales and Advertising Issues

  Status:

  Unanswered

  More info

  I was informed in January 2023 that this company rated a collection status for a collection that was resolved and paid in full as of 2018. This rating of collection as of 2020 is pacting my credit report and was not in a collection status in January 2020 as it had been resolved for over a year at that point. This is rating on both mine and my wife's credit report incorrectly

• Initial Complaint

  07/22/2023

  Complaint Type:

  Order Issues

  Status:

  Unanswered

  More info

  I am not liable for this debt with Fair Collections and Outsourcings, I do not have a contract with this collection agency. They did not provide me with the original contract as requested.

  Customer response

  08/07/2023

   I do not have a contract with Fair Collections and Outsourcings, Inc, they have not provided me with the original contract as requested.
  

• Initial Complaint

  07/21/2023

  Complaint Type:

  Order Issues

  Status:

  Unanswered

  More info

  I am not liable for this debt with *******, I do not have a contract with Fair Collections & Outsourcings, Inc they did not provide me with the original contract as I requested.

  Customer response

  07/31/2023

  They completely disregarded my dispute and never responded to it.

• Initial Complaint

  07/17/2023

  Complaint Type:

  Order Issues

  Status:

  Unanswered

  More info

  I'm not liable for this debt with ** ********** ****, I do not have a contract with Fair Collections & Outstanding Inc., they did not provide me with the original contract as requested.

  Customer response

  07/17/2023

  Email sent 7/12/23 11:40 PM requesting for original contract. 

*Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩