CFPB Complaint

FAIR COLLECTIONS & OUTSOURCING, INC. – CFPB Complaint ID 2491324

Consumer Complaint Submission

Date Received: 2017-05-22T00:00:00

Product: Other debt

Issue: False statements or representation

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: On Sunday, XXXX XXXX 2016 , I received a notice in my door reminding me that my lease to XXXX XXXX XXXX would expire XXXX XXXX 2016 . At the time I was unable to respond to the notice as the leasing office is closed on Sunday. Later in the week, I notified XXXX in the leasing office that I would not renew the lease and had already made arrangements to move out. I have included the unsigned Lease Agreement Extension as well as the Lease Agreement Extension Fair Collections and Outsourcing received from XXXX XXXX XXXX ( XXXX XXXX ), dated XXXX XXXX 2016 , as an attachment to this complaint. The expiration date on this documentation was falsified and ” Auto Renewal ‘ ‘ was entered on the document, instead of obtaining my signature, after I told them I will not renew my lease. The attached documentation also shows a discrepancy between the date entered on the Security Deposit Disposition as to when this was sent to collection ( XXXX XXXX 2016 ) and the signature date that XXXX XXXX XXXX entered on the Lease Agreement Extension ( XXXX XXXX 2016 ). I disputed and requested verification of this collection item with Fair Collections and Outsourcing but their response brought no change. I was provided a breakdown of fees owed, shown in the attached Security Deposit Disposition , but this information is also inaccurate. As shown on the attached Security Deposit Disposition, the reason for leaving was NOT due to eviction so there should not be any attorney ‘s fees. If any attorney ‘s fees were assessed, I have not been provided proof that those fees were paid by XXXX XXXX XXXX ( XXXX XXXX ). I am also attaching a copy of the lease I entered into at my new place of residence that began XXXX XXXX 2016 which again, XXXX XXXX XXXX was made aware of this. I hold FCO responsible because they accepted this account. They also had two opportunities to validate the account and failed to do so. Had they properly validated it, the correspondence I received from them should have the Intent To Vacate notice that I signed and left with XXXX XXXX XXXX . Along with that notice I provided a forwarding address to send any balance owed due to failure to clean the apartment but that amount was taken from my security deposit, as shown in the Security Deposit Disposition . XXXX XXXX XXXX ( XXXX XXXX ) fraudulently submitted documents to Fair Collections and Outsourcing in an effort to collect money that is not owed to them. Fair Collections and Outsourcing is now reporting to all XXXX credit bureaus inaccurately and without properly verifying the account upon my request which has brought me to this complaint.

READ  SANTANDER CONSUMER USA HOLDINGS INC. - CFPB Complaint ID 3068244

Company: FAIR COLLECTIONS & OUTSOURCING, INC.

State/Zip: AR 720XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2491324

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