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FAIR COLLECTIONS & OUTSOURCING, INC. – CFPB Complaint

By on November 7, 2018
Consumer Complaint Submission

Date Received: 2018-10-23T00:00:00

Product: Other debt

Issue: Written notification about debt

Consumer Consent Provided to Share Complaint: Consent provided

Consumer Complaint: When I moved out of XXXX XXXX apartments I had no clear way of knowing that there were additional charges that I needed to pay, and they made no attempt to inform me or to contact me prior to selling the debt on to the debt collector. Prior to moving in I had paid a ‘non-refundable ‘ security deposit which I now know is illegal in the state of Colorado , and which was not applied to the balance that I owed ( {$170.00} ). Additionally, one of the charges on there is a ‘general carpet clean ‘ for {$65.00} which is illegal under Colorado state law because normal wear and tear on the apartment, including the carpet, can not be charged to the tenant after move out.

I had a collections notice appear on my credit report after receiving a number of unclear calls throughout the summer. These calls were very strange, and led me to believe that it was a scam and not a valid attempt to collect a debt. The caller would leave a 2 minute voicemail pausing several times throughout the message so that I could ” Listen in private ”. In the middle of XXXX I noticed a derogatory mark on one of my credit reports, and only then was I able to know who the original creditor was and what the amount owed was. They refused to delete the record even though the debt had not yet been verified. Following verification of the debt dated XX/XX/18 and received XX/XX/18, I paid the amount in full and the debt collector still refused to remove the record from the credit reports despite not providing clear identification of themselves or verification prior to the reporting of the debt.

Company: FAIR COLLECTIONS & OUTSOURCING, INC.

State/Zip: NJ 073XX

Company Response to Complaint: Closed with explanation

READ  Equitable Acceptance Corporation - CFPB Complaint

Was Company Response Timely: Yes

Did Consumer Dispute Company Response: N/A

Complaint ID: 3053648

The above data is from the Consumer Financial Protection Bureau. Keep in mind that every company will get a complaint from time-to-time, even the great ones. But there are a few key data points that will give you an idea about how well the company values their customers and handles consumer issues.

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