CFPB Complaint


Consumer Complaint Submission

Date Received: 2018-04-23T00:00:00

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: I received a notification from FCO on XX/XX/XXXX, stating that I owed their agency in excess of {$3500.00} for an apartment I rented in XXXX, XXXX. It should be noted that this alleged debt started showing up on all three of my credit reports in XX/XX/XXXX, without any prior notification from FCO or the apartment complex. I submitted a letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ) requesting verification of the alleged debt. They provided me with a lease agreement that was signed by a different/unknown individual and a ledger. I submitted a second letter to FCO dated XX/XX/XXXX ( certified/signature required/receipt ), advising FCO that they had failed to provide sufficient verification of the alleged debt. It should be noted that FCO claimed ( on behalf of the apartment complex ) that I had not provided sufficient notice that I was vacating my apartment, which I had in writing. Further, I provided them with the fact that Kentucky Landlord-Tenant laws supersede ( XXXX Chapter 383, ” If a lease expires on a specified date, no notice is required, it simply expires. ” My lease agreement expired on XX/XX/XXXX, and I had vacated the premises prior to that date. FCO has failed to respond to my second letter which was received by FCO more 60 days ago.


State/Zip: OR 978XX

Company Response to Complaint: Closed with explanation

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 2883259

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