Financial Business and Consumer Solutions. CFPB Complaints

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2000 Latest Complaints
Date Received Timely Response Product Issue State / Zip Submitted Via Tags
01/09/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • CA
  • 90011
Web
I appreciate that your company is willing to work with me in settling this debt so, that this may be resolute therefore, this letter is to make a counter offer in response to the settlement offer made by your company ( FBCS Inc. ), which I received on XXXX XXXX, 2015. The amount that I propose to settle the debt in full is {$300.00}. I would also like to request that you remove any late payments or charge-offs on this account from my credit report from the original creditor XXXX and refrain from reporting any condescending remarks in regards to this offer it should not reflect any negative or derogatory statements. I would also ask that you remove this negative listing on my credit report permanently and never to be seen again. To settle this debt I will send you a cashier 's check for {$300.00} with a restrictive endorsement that if you cash that check it will constitute an accord and satisfaction. In other words, you will receive from me a check that states " cashing of this check constitutes payment in full. '' If you cash this check, that check will take care of all balances due on this account and this letter is a formal notification that I consider this matter settled and anyone associated with your company and/or affiliates as well. Additionally you are attempting to collect for : University of XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX, AZ XXXX Acct : XXXX For at a set fee for a percentage of its value although the account has been formally charged-off on my credit report I want to ensure that this is removed as specified above and/or refrain from reporting any condescending remarks in regards to this offer nor should it reflect any negative or derogatory statements. I have made good attempts that have already been reached with several mutually agreeable settlements with other creditors in attempt of settling negative accounts and you can not collect any interest fee, or make any with this purposed offer. Therefore, if your company is willing to accept this proposal, please sign the attached letter agreeing to this proposal and return a copy to me. As soon as I receive this signed acknowledged agreement, I shall send you a cashier 's check in the amount I 've proposed of {$300.00}. Once you have received the check you agree to make restoration to my credit report with the XXXX National credit bureaus as specified above. After making initial contact with FBCS they requested payment however, I would not agree because they would not accept my counter offer instead stated they would inform XXXX that the debt was settled once the payment is received but XXXX makes the final decision on how they report this account to the XXXX National Credit Bureau. I then stated please do not contact me any further because I wish to settle this with UOP. I have sent 2 letters directly to XXXX in an attempt to settle this debt but no response thus far nonetheless, FBCS continues to contact me and the most recent attempt the gentlemen was rude asked me who I was, I confirmed then he asked for my bank account information I said I do not wish to settle this account with you and he stated do whatever you want you can not settle this with XXXX because they are going to send you right back to us, he was rude and condescending and did not want to listen to anything I had to say he said good bye and that I will have to go thru FBCS and hung up the phone with a bad attitude. What I 'm not sure about is if this monies owed is from my federal student loan in which am still in college but not at XXXX and I am not delinquent with any of my student loans. They are attempting to charge me for a debt that I am should not be liable for XXXX counselor provided erroneous info when I requested to be dropped from a class he insisted it would drop by itself. I have plenty of emails to prove all of my attempts with the XXXX counselor to prevent this situation.
11/03/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • GA
  • XXXXX
Web Older American
As per my correspondence received XX/XX/XXXX concerning my dispute with the University of XXXX . ( SEE ATTACHED DOC ) How can an invalidated debt become a charge-off? I am in dispute of this charge-off. A charge-off is a notation on your credit report indicating that the original lender has written off the charge as unlikely to ever be paid. An account that is 120 to 180 days past due usually will be charged off. In this situation, I find it particularly troubling that XXXX would charge-off a debt at such a stage. ESPECIALLY WITH A {$00.00} BALANCE. ( SEE ACCOUNT HISTORY. A charge-off is an internal bookkeeping measure taken by a creditor that requires a concurrent finding by them that they now considers the debt to be " uncollectible. '' In this case, It is pretty far stretch for them to conclude that this debt was uncollectible when it has not even reached the stage of being reportable to a CRA as a 30-day late, and I never received notification that I owed this debt. Charge-offs are required by statute for many creditors when a debt has reached a certain level of delinquency, usually 180 days. The reason for compelling charge-offs is to prevent corporations from overstating their assets, of which unpaid debts are a receivable asset, in their financial reportings, and thus misleading stockholders and others of the financial stability of a corporation. Accordingly, I can show any judge that this accounts is inaccurate and that XXXX has violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- stated my reasons for an investigation and these reasons were not frivolous in any way. As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My University XXXX XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account. Please provide a copy of this document, ( Check ) for this transaction that was endorsed by me, that XXXX claims was issued to me in the amount of {$810.00} on XX/XX/XXXX, to substantiate this transaction. On the other hand, an institution of higher education that reports information regarding a student loan to the CRAs, must report it in a manner consistent with the rules of the FCRA and it must also respond to a request for investigation in compliance with the statute, the FCRA should still protect consumers from inaccurate reporting. Debtors deserve the right to dispute a debt and request an investigation of inaccurate reporting. Allowing colleges and universities to avoid their responsibility as a furnisher would contradict the purpose of this consumer minded statute. If this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit. for damages. I take my credit very seriously and XXXX 's lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. Furthermore, as per Financial Business and Consumer Solutions ( FBCS ), I have not received any correspondence. Therefore, this agency is in violation of the following code : As per, 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - FBCS was failed to comply and a request for validation is requested. ( 1 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof.
04/08/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 94519
Web
-- On XXXX XXXX, 2016, I submitted a complaint through the Consumer Financial Protection Bureau online complaint submission form, which is quoted below : " Received multiple missed phone calls from Debt Collector, they did not leave voicemails. I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : ( XXXX ) XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, PA XXXX. I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX XXXX This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX, but I am not entirely clear. Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. As of now, my complaint is regarding the phone calls. '' -- On XXXX/XXXX/16 the following response from the Debt Collector was posted : " FBCS, Inc. place account on hold as dispute and ordered documentation to be sent to the consumer as a dispute. '' -- On XXXX/XXXX/16 I responded to their response : " My complaint is regarding the five phone calls made by the debt collector without leaving voicemails or providing identification, as previously stated. The company 's response does not reflect my complaint. I will be sending a demand letter to the company in regards to the Fair Debt Collection Practices Act violations pertaining to these calls. If they are unable to settle this matter I will file a suit in the appropriate court. As of this date, I have not received the letter from the debt collector informing me of the debt nor have I formally requested a validation of the debt. I will still be expecting the initial letter. '' The same day I mailed FBCS an informational demand letter for their violations to try and settle the matter outside of court. -- On an unknown date on the case the following was posted : " Response disputed FBCS Consumer Contact Solutions said : Explanation of closure Ordered validation documentation and place account on hold with no more calls. '' As of this date, XXXX/XXXX/16, I have not received a letter in the mail informing me that they are collecting a debt and my rights to dispute this debt. The company has also not responded to my letter dated XXXX/XXXX/2016. I called FBCS Consumer Contact Solutions today to confirm ourr mailing address and they were correct. They assured me that FBCS was facilitating payment for XXXX XXXX and that their customer had pulled the collection from them in response to a dispute, however I had not yet disputed the information. XXXX/XXXX/16 - XXXX updated my credit report with collection
06/28/2021 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • IA
  • 52732
Web
We received a letter from a debt collector called FBCS. It was for a medical bill from XXXX XXXX XXXX. This is my husband 's bill and I was told they need his permission to talk about this bill. Which was fine they called my husband and asked and he gave them permission to speak with me. I spoke with them and asked to settle on a lump sum payment. FBCS in turn told me that the original creditor will not agree on a settlement amount. So I told FBCS that I will get in touch with XXXX XXXX XXXX to see why they will not settle on a lump sum amount and will call them back. So when I got I to touch with XXXX XXXX XXXX I was told they are not telling FBCS that they would not agree to a lump sum of they want to then FBCS may take a lump sum payment if they would like. XXXX XXXX XXXX said if they heard from FBCS about the lump sum settlement they would agree. But they can't do anythi g with the debt right now because FBCS owns it. So I called FBCS again a couple of days later and told them who I spoke with at XXXX XXXX and told them what I was told. The representative at FBCS told me that they will contact XXXX XXXX and tell them the lump sum payment I said we would pay bit it would take 30-45 business days for a response saying if the lump sum amount was accepted or not and that I would be called by FBCS directly to let me know the decision. So I accepted that. I received a call on XX/XX/XXXX from FBCS, and was told by that representative that XXXX XXXX said they would take a lump sum amount of {$1300.00} which was {$100.00} more than I originally said but I said we can pay the {$1300.00}. Then I said before I give you this payment I would like it in writing that the {$1300.00} settled amount is acceptable and once the payment is received it will say that payment is settled and paid in full. I was informed by this FBCS representative that she will request the letter to be sent and don't make a parent until I receive the letter which could take 30-45 business days. I called FBCS on XX/XX/XXXX to let them know I ha e not received the letter about the settlement amount yet and was wondering when I will receive it so we can pay. I was told by the agent I spoke with on this day that there was no settlement off and I was told wrong by the representative in XXXX that called me. Then I was proceeded to be told that there was no notes on the account a out any ody calling me on XX/XX/XXXX when the representative I spoke with told me at that time she was making all the notes about the settlement and everything. So then I was sent to a supervisor of FBCS and was told by the supervisor the exact same thing that there were no notes, no settlement and was informed wrong. I was also told by the supervisor that FBCS does not even have the account no more and that I misunderstand too they do not report anything to credit bureaus they try to help not report to credit bureaus, well I assist you FBCS is on my husband 's credit report. Any way the supervisor gave me the number of the collection agency that has the debt and told me if they transfer me back to FBCS when I call them then I tell them no they told me they do not have the account anymore. So I called the other collection agency named XXXX, and they said FBCS still has the account so XXXX does not know how to help me so e FBCS is saying they do t have the account anymore. So the company FBCS and the representatives have lied to me about 3-4 times about this account for the last 2 1/2 months. They are lieing me telling g me false info. I was told there was a settlement then there was not. We were counting and expecting this settlement of {$1300.00}. and I was lied to and there ende up not being any such thing. I do not appreciate being lied to.
09/13/2022 Yes
  • Debt collection
  • Private student loan debt
  • Written notification about debt
  • Notification didn't disclose it was an attempt to collect a debt
  • CA
  • 90038
Web
Hello, I'm reporting 3 or 4 companies that have been working together as Collection Agencies bouncing my liability around between them and passing me around in circles as I try to resolve this matter that is being incorrectly reported to my Credit. I'm in the process of buying a home and they reported 8 separate collections for 4 accounts that were paid within 7 days of receiving notice. I've spent months working with these companies to try and clear this up and nobody is able to provide any information as to who is reporting. The debts were originally owned by XXXX XXXX, which is an abbreviation for XXXX XXXX reporting for XXXX XXXX. We were working together to resolve the debt while I was living in XXXX and they told me they sold the debt because the company was closing down ( apparently due to violations ). I was told the new debtor would be in touch so we can resolve this matter. Although I an enormous amount of time trying to get in touch with someone, I never heard back. Finally, I found out that XXXX was short for XXXX XXXX and they reopened as XXXX. I was able to contact someone there who told me that another company called FBCS now owned the debt. I reached out to FBCS and spoke to a gentleman named XXXX XXXX. He mentioned that XXXX XXXX never provided my updated Contact Information and they were unable to reach me. We discussed the debt and he told me an amount that these accounts can be settled for. I mentioned my concerns on multiple occasions regarding this being reported to my credit while I am going through the home buying process and he repeatedly told me that they do not report to credit and it wouldn't have a negative impact. This was less than a week after we initially got in touch so well within my grace period. The call had a my Bank representative on the phone as well. After paying the debt, the collection accounts were removed and I put a deposit down for my new home. A few weeks later, they started reporting the 4 accounts twice each which is showing up as 8 collections. I was told to contact XXXX XXXX the manger at FBCS and have been trying to work this out with him for months. He told me that he was reaching out to his contacts at XXXX XXXX after listening to a recording of our calls and he was requesting they delete the reporting from credit. After 2 months of constant follow ups, I reached out to my credit company and they told me they have never seen something reported like this before and it was incorrect and I should file a complaint with FBCS. When I told XXXX that I would be doing so, he put me in touch with a higher up at FBCS named " XXXX '', who said he was reaching out to " his people '' at XXXX XXXX to have this removed. He told me that he would be in touch within 2 days with Deletion Letters for the 3 Credit Buraus and I never heard back although followed up a few times. Now, XXXX XXXX reached back out and gave me a general email for XXXX XXXX and told me that I have to try and reach them. I have no clue who to reach out to and I am being put in circles after they collected the money. I never received any disclosures, letters, or communication regarding this. Now, I am supposed to be closing on my home and risk losing my life savings in a deposit as well as my housing because of this. I have lost sleep for months over this and it is not being handled correctly by XXXX XXXX XXXX XXXX ), XXXX, XXXX XXXX, or FBCS. Please help.
10/13/2015 Yes
  • Debt collection
  • Non-federal student loan
  • Disclosure verification of debt
  • Right to dispute notice not received
  • GA
  • XXXXX
Web Older American
As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. This is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. Under the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. The XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. Under the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. Re : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. Please be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX XXXX XXXX the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account.
12/14/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 34714
Web
This is in reference to an alleged debt from XXXX XXXX XXXX including XXXX XXXX XXXX XXXX XXXX XXXX and FBCS , Inc XXXX XXXX XXXX XXXX XXXX to 15 USC 1692a , Congressional Findings or Declaration of Purpose, you are hereby informed that as a result of your fraudulent practices, with the intention to cause harm, I have suffered mentally, emotionally, and financially. Your company and its agents harassed me for an alleged debt that was not even validated. Your company shared statements as well as a XXXX XXXX as evidence of the debt but as per the judgment in the case of XXXX XXXX XXXX. XXXX XXXX a copy of the XXXX XXXX is not sufficient evidence of debt. While going through my Consumer Report, I came to know about these inaccuracies as well as fraudulent information that was reported in it. According to 15 USC 1681 ( a ) ( 2 ), an elaborate mechanism must be developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. Your company falsely reported information that resulted in defamation of my character. Further, you created a deceptive form that made the creditors and employers believe that I was in debt, though you could not prove its validity. If the debts were valid you created a false impression that I was not able to pay the alleged debts Due to your continuous acts of deceit, coercion, and intimidation, I have recently lost my job on XXXX. I was also discriminated against and denied my right to extend credit. I have suffered emotional as well as financial hardship. I hereby grant your company the opportunity to amicably resolve the matter by way of doing the following : Deletion from all consumer reports Clear away any alleged balance owed Pay as per the attached invoice ; {$8000.00}. You shall be granted twenty ( 20 ) days to respond. Rule 301. Presumptions in Civil Cases Generally - explains your duty to respond. Rule 602. Need for Personal Knowledge - A witness may testify to a matter only if evidence is introduced sufficient to support a finding that the witness has personal knowledge of the matter. Evidence to prove personal knowledge may consist of the witnesss own testimony. If there is no response to this letter within twenty ( 20 ) days, all legal rights shall be explored, including but not limited to, legal proceedings necessary in accordance with State and Federal laws. Thank you for your attention to this matter,
01/21/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 02135
Web
I was shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediately reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
08/28/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • FL
  • 34203
Web
FBCS called me in XXXX to collect a debt for the doc that delivered my son. I set up a payment arrangement and started investigating why my XXXX wasnt paid by my insurance company but the hospital was paid and The anesthesiologist that administered my XXXX was paid everybody except XXXX was paid for the birth Delivery and hospital stay. Once I talked to my insurance company and found that they had never received a claim from my XXXX for the Delivery of my son I then contacted my XXXX ask them for a copy of the medical claim that was denied and now the debt that I owe for this once I got this paperwork in the mail I found that they had never build my insurance company they actually sent the claim to a wrong or incorrect insurance company. Also When I was looking into this debt I asked FBCS when and who sold my debt to them. FBCS gave me the number for a trucking company. Im called back and told they gave me a trucking companys number and they told me to call back and talk to someone that this was a legit company. So I called back and the lady at the trucking company told me no we do not collect money and we are not a collection company. So I called FBCS back and told them this information and they put me on hold so long over and over so I just kept getting cut off basically. I found out from my insurance company that the claim was never sent to them it was sent to the wrong insurance company so When the claim was denied because I wasnt a policy holder it was because it wasnt my insurance company. I called XXXX at FBCS and cancelled my payment arrangement with FBCS and told them it was because I can pay the doctor directly because they hey mistakenly billed the wrong insurance company the lady yelled at me and told me I still owed this money and that I was a liar. They are now calling me again to try and collect more money. I continue to to contact my XXXX billing department and I leave messages telling them they billed the wrong insurance company and that I will them directly I have already paid {$400.00} on this to FBCS and now I will set up automatic payments with XXXX XXXX XXXX but no one will respond to my messages. Please stop FBCS from collecting on people I have proof that the wrong Insurance company was billed and this is way out of control. FBCS calls me 10 times a day.
02/07/2020 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • UT
  • 841XX
Web
Received paper bill in mail dated XXXX from FBCS Consumer Contact Solutions - XXXX. Received phone call about the bill shortly after. I requested they send all future correspondence in writing. I did not take down the number of the call as I have not had problems with debt collectors call after my request. I believe that on the call I stated that it was right before XXXX and XXXX and that I was not able to negotiate a settlement at that time. I have attached two of my XXXX bills showing my call logs from XXXX and XXXX. There are two calls from area code XXXX during that stand out to me as being numbers they may have called from : -- XXXX inbound XXXX at XXXX XXXX - 2 minutes -- XXXX inbound XXXX at XXXX XXXX - 1 minute I know I received a call about this bill and I know I requested that all correspondence be sent in writing. Recent History of Calls ( screenshots included - phone log only goes back to XXXX ) : -- XXXX inbound XXXX at XXXX. Missed call. -- XXXX inbound XXXX at XXXX. Missed call. -- XXXX inbound XXXX at XXXX. Answered and made an offer for a settlement. -- XXXX inbound XXXX at XXXX. Missed call. -- XXXX inbound XXXX at XXXX. Missed call. -- XXXX outbound XXXX. XXXX offer acceptance and payment plan arranged. Payment was authorized on XXXX and posted to my account on XXXX. Charge ( same as authorization made on XXXX XXXX to my account on XXXX and posted to my account on XXXX. -- XXXX at XXXX XXXX ( 9 minutes ) : called to ask re : duplicate payment. Agent asked whether both payments had posted. He asked me to email his supervisor confirmation that both payments had posted ; he was adamant that they must have proof that both payments had posted. He seemed very concerned about returned payments - which means that this was intentional. -- XXXX at XXXX ( 5 minutes ) : called to confirm receipt of my screenshot that both payments had posted. Was told the payment had been reversed. Did not receive confirmation by email ( as this was how I was told to submit my proof ) from XXXX. Asked for the name of the Debt Collector - Financial Business Consumer Solutions, FBCS ; the phone number she gave me is XXXX. Reversed charge will not immediately post to my account.
11/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • MI
  • 48180
Web
Hello To Whoever, Concern, due to being a victim of identity theft, and a DATA BRENCH I checked my credit score, and found multiple inaccuracies listed on my credit report. Ive constantly been disputing the inaccuracies on my credit report since XX/XX/XXXX. A credit card was opened by XXXXXXXX XXXX using my information on XX/XX/XXXX not one payment was made or received on the XXXX XXXX account. I contacted XXXXXXXX XXXX on XX/XX/XXXX explaining the situation begging for the account to be removed/ and, or verified due to identity theft, and also no payment being made on this account. XXXX XXXX disregarded the information I provided, by making a decision to list the account as a charge off on XX/XX/XXXX. The company XXXXXXXX XXXX than sold this DEROGATORY account to a collections agency named FBCS. In which I had no acknowledgment of. The company FBCS informed me the account debt is now in their hands. FBCS wasted no time, and immediately started making threats calling my cellular phone after XXXX EST. The company took it as far as calling my job multiple times a day. Mentioning jail time by XX/XX/XXXX if I didnt agree to opt in a payment plan of 3 payments for {$130.00} dollars a month. After thinking I would lose my place of employment due to the FBCS threats, and calls I was scared for my life. I immediately was forced into giving the FBCS permission for a payment of {$130.00} dollars to be removed from a checking account. As I am already suffering from bad credit, due to multiple inaccuracies reporting. I was forced/ threaten with jail time, and bad credit this situation is unfair as XXXX XXXX FBCS has violated my rights constantly causing deformation of my character Im able to get approval for new lines of credit, and/employment, due to bad credit and the constant harassment. Without any acknowledgment XXXX XXXX FBCS is also reporting inaccurate account information, such as payment status, balance due, no balance should be showing due.There was no written form of communication, contract or wet signature for the accused Debt in the amount of XXXX at all.
12/16/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • OH
  • 44654
Web
A year ago a XXXX XXXX XXXX XXXX XXXX contacted me claiming I owe a debt that I know for fact never happened. They claim I had a XXXX account years ago. I never made any large transactions using XXXX. I disputed this claim and reported it as fraud. They said they would delete it from their system. I contacted XXXX and they said that I never had an account and show no records or any transaction. They believe that someone stole my identity or this was a scam. On or about XX/XX/22 another company FBCS , Inc contacted me about the same debt owed. The original company XXXX XXXX lied to me and did not delete the debt, instead the soled my information to another company XXXX. I contacted them and gave them the same information. Neither company will provide me with any details as evidence or documentation to this fraudulent transaction. Both companies REFUSE to provide any evidence or documentation. Both companies continue to lie, and harrassment. Again I asked to dispute this debt and mark as fraud. On further investigation I have found out that XXXX doesn't even have account numbers as provided by these companies and as such the account number provided by FBCS Inc is fictitious. Both companies are financial fraudsters using made up debts and account numbers. They are scammers. Also after investigation FBCS and associated reviews and reports online I find out that they have numerous complaints with others doing the same scam scheme. I want this abusive fraudulent behavior and contact to stop immediately and for these companies to be held liable for this conduct. Both companies should be investigated. I will seek legal action against both companies if this does not stop immediately. If they sell my personal information again to any other company legal action will be taken. The original personal information was not provided by me and I question how they obtained my information in the first place. Possible identity theft used to scam. If they report this debt to the XXXX XXXX I will seek legal actions and sue for damages, unfair practices, harrassment, etc.
06/28/2017 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • NC
  • 27103
Web
I set-up a payment arrangement with Financial Business & Consumer Solutions , Inc. on XX/XX/XXXX to have payments debited on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. This company breached the agreement by debiting my account on XX/XX/XXXX. A rep told me today ( XX/XX/XXXX ) that debits from bank accounts can take between 24-48 hours. The rep also said that if the transaction day falls on a bank holiday, the transaction will occur on the next banking day.XX/XX/XXXX was not a bank holiday. None of this was explained to me inXX/XX/XXXX and is quite irrelevant since the debit did n't take place on the day that I agreed on. Yet, Financial Business & Consumer Solutions , Inc. did not debit on the agreed upon date. When I called to find out about satisfying the debt, I was given inconsistent statements by a rep and a manager. The 1st rep did in fact say that I could make one payment ( {$270.00} ) over the phone today. That rep did say that I could also give them my debit card to use for automated payments, which would eliminate any delay in processing. He put me on hold and then changed his initial statement. He said I had to make 2 payments today. I asked why he changed the initial statement? He then stated, in a very snide way, that the money for two payments should be there since there was an NSF. I then asked for his manager. The manager began the conversation with an attitude. I asked the manager why I was n't given the information about using my debit card back in XXXX, he was not able to give a definitive response. When I asked him why I was n't told about the 24-48 hr. processing from a bank account, the manager stated that they are not allowed to say anything about the processing time because all banks are different. When I reminded the manager that we were on a recorded line & every inconsistency can be replayed, he regained his professionalism and agreed to re-instate the agreement, with different dates. Based on contractual law, there was an " actual breach '' of contract by FBCS.
11/18/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • FL
  • 34953
Web
Today I checked my credit report, and there was an unknown medical collection from FBCS Inc, account number XXXX. I have never heard of this company, I have never received any information pertaining to the bill or collection in question. I have no idea what it is from, or where it came from. My credit report says that this is a medical collection that was assigned on XXXX. FBCS, Inc. had plenty of time to send me a " debt validation notice '' prior to inserting this onto my credit report, but has failed to do so. FBCS lists the original creditor as XXXX. I have never opened an account with XXXX, nor have I ever received a bill from them. Nor did I ever receive any communication from FBCS. INC. My address is listed on my credit report yet they never sent me a " debt validation notice '' prior to reporting these accounts to the CRA 's like they are required to by law. FBCS XXXX failure to send the Debt Validation Notices to me prevented me from exercising my legal right to request debt validation of the alleged debt at the outset. Since I have never received one they are in violation of Section 809 ( a ) the FDCPA, 15 U.S.C. 1692g ( a ). Under HIPAA privacy laws FBCS. INC. should not have any of my personal medical information, unless they have a " written '' agreement with their " client '' that grants them the authority to collect on this alleged debt, or proof of acquisition by purchase or assignment, and authorization under subtitle D of the XXXX, SEC. XXXX. They also have to provide an agreement that bears the signature of the alleged debtor wherein he or she agreed to pay the creditor and as this is a medical account a copy of any HIPAA authorization. I am not pleased with the federal bond and collection, they have failed to attempt an explanation of my " supposed debt. '' I would like this removed immediately from my credit report, and for the company to never contact me. This practice of not contacting and ruining someone 's credit is unjust.
11/23/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • NJ
  • 07030
Web
I contacted FBCS back in XX/XX/XXXX certified mail regarding the company illegally pulling my credit since XX/XX/XXXX. However, the company never responded. However, after I notified FBCS certified mail with a dispute letter regarding them pulling my credit without my consent, authorization, or awareness. No response. FBCS, failed to respond, instead they waited several months later to add an account to my credit reports, while failing to respond to my dispute letter sent back in XX/XX/XXXX in regards to the unauthorized inquiries. When I initially contacted the company certified mail regarding them pulling my credit, there were no accounts that were listed by FBCS or had been added to my credit reports. However, after they signed & received my dispute letter that wanted to know why they had been pulling my credit, the company ignored the dispute letter ( s ), waited several months, and just added an account onto all 3 credit reports. I had to learn about their deceitful actions by accessing my credit reports. When I contacted the credit bureaus, the company then continued to update and falsely verify the account as belonging to me, yet the collection agency never contacted me prior to falsely adding an account to my credit or after. I learned about FBCS illegal credit pulls by obtaining a copy of my credit reports. However, no contact of any sort was ever done by FBCS. On XXXX XXXX, FBCS signed and received another dispute letter sent certified mail. This letter outlined all of the illegal violations FBCS conducted back in XX/XX/XXXX, and highlighted how they failed to respond back to my certified dispute sent to them back in XX/XX/XXXX. The letter also explained the violations and how they continue to do them. However, after FBCS signed and received a recent dispute letter on XXXX XXXX, again no response or reply was ever provided from the company. The XXXX tracking # XXXX XXXX XXXX XXXX XXXX was signed and received by FBCS on XX/XX/XXXX.
07/26/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06604
Web Older American
On XX/XX/2021, I received a collection notice from FBCS , Inc, stating that I have an outstanding balance of {$380.00}. I called FBCS , Inc immediately to resolve the issue as I satisfactorily settled this account a couple of years ago. I explained to the representative the account 's status, and she suggested that I provide proof of the paid account from XXXX XXXX. I contacted XXXX XXXX and was emailed a paid-in-full receipt for the disputed account. I subsequently forwarded the same receipt to FBCS , Inc at their email address : XXXX. The FBCS , Inc representative, acknowledged receiving the paid in the full receipt as proof. Today, XX/XX/XXXX, I received another collection notice from FBCS , Inc, similar to the first notice. Additionally, this notice required one of three stated methods to verify that I satisfactorily settled the account. Please note, the email I forwarded to the collection agency contained all three required methods of proof. . The representative I spoke with today insisted that I still owe the collection agency {$380.00}. I forwarded to his agency the fully paid receipt from XXXX XXXX. I asked him to verify that he received my email. He responded that he couldn't open the email. He said that my dispute would take about ninety days to resolve, but I can settle the account today for the balance of {$380.00}. I suggested that his agency contact XXXX XXXX to confirm that they received full payment from me. He did not balk at that but tried sutle and gentle pressure to get me to pay {$380.00} today. From my knowledge as a XXXX ( XXXX XXXX XXXX ), I knew what he is practicing was unfair. I then demanded that he give me his name and employee number. He suddenly went into an incoherent disclaimer for minutes at a time. At the end of his disclaimer, I insisted that he give me his name and employee number. He finally gave in to my insistence and gave his name as XXXX XXXX with an employee number as XXXX.
05/11/2016 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • AR
  • 85339
Web
I received a letter with the mailing address of FBCS , INC XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX - attached Letter XXXX XXXX XXXX XXXX is the principal agent for FBCS, INC. ; and I believe XXXX XXXX XXXX is XXXX in the same as FBCS , INC. In Letter A, there is an offer to settle an unverified DEBT at 75 % off with some company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. XXXX XXXX is acting as President and Chief Executive Officer of XXXX XXXX XXXX XXXX XXXX. ; and i believe XXXX XXXX is XXXX in the same as XXXX XXXX XXXX XXXX XXXX. I responded with a notice offering to settle the DEBT upon presentment of a verified and signed bill with a bill of particulars showing what damage/loss/harm i cause this alleged 'CREDITOR ', XXXX XXXX XXXX XXXX attached Notice A. I afforded XXXX XXXX XXXX working for XXXX XXXX 15 days to answer my offer to settle this DEBT ; but there was no response - see attached Certificate of Non-Response. 30 days after Notice A, i sent a followup notice that i wish for XXXX XXXX XXXX and XXXX XXXX to cease and desist since there is a failure to verified this DEBT, and that i wish for them to purge their databases of my information and remove any negative reports to my credit immediately - attached as Notice B. On XXXX XXXX 2016, my Notary received a letter from XXXX XXXX XXXX that fails to state a DEBT that i am obligated to settle ; in fact there is no amount stated, no damages claimed, no losses ... its not even a bill - attached Letter B. I believe Letter XXXX is absolute rubbish. On XXXX XXXX 2016, i received a letter from XXXX XXXX saying that XXXX XXXX XXXX has an offer to settle a DEBT - attached as Letter XXXX. I believe Letter XXXX is an attempt to collect on an unverified DEBT sent through the XXXX XXXX, which is fraud. I believe I have acted in good faith to settle this DEBT alleged by XXXX XXXX and XXXX XXXX XXXX, but enough is enough.
12/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 23231
Web
Filed CFPB COMPLAINT ID XXXX ON XX/XX/2023 against FBCS debt collector on behalf of XXXX XXXX XXXX XXXX XXXX for XXXX XXXX in bankruptcy. XXXX provided a response to that complaint indicating information provided does not match their system and requesting name address ssn their file no and copy of lette ; all ironically so since the basis of my complaint was that Ive never been provide anything in writing from them, just harassing phone calls and when requesting something in writing during these calls I am met with a dial tone by the representative. FBCS responded to my credit bureau dispute that the debt was sold to them, so they need to correspond with those folkes to get the matching information ; but, as for general self identifying information that theyve requested in their response to be able to address the issue at hand of attempting to illegally collect on a debt discharged and protected by bankruptcy laws has been provided to them in this complaint. As such, I requesting that CFPB complaint be re-opened and demand that FBCS provide a valid response to the claim and not a bogus one that seeks to disclaim it by asking for the very lack of information that has not been made available to me via the harassing calls and that are subject of THIS complaint against them. All the information they need to investigate such as my name address and phone number they call everyday all day has been provided here, and with exception of social and file number. No one gives socials over the phone or otherwise for identity protection, although the lady XXXX were provided here ; nor does any company demand it but rather use other unique identifying information ; as for the file no, well if they ever send me something in writing I would have that, but as stated previously when requested during harassing calls the representative hangs up phone
02/06/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94519
Web
Received multiple missed phone calls from Debt Collector, they did not leave voicemails. I called the phone number back today to find out who has been calling me. I was told that they were a debt collector looking to collect a debt. They gave me the information that asked for, their phone number and address : XXXX XXXX, PA XXXX. I told them that I had not received a letter in the mail informing me that they are collecting a debt, which I have not received, and that they should not call me until I receive that letter. I also confirmed my phone number with them and told them that they can only contact me at that phone number, no others. I expect the letter within five days of this, our initial communication, as I have not been fully informed about the debt. I did request some information and was provided with the following : amount owed, date account open and date account went delinquent, last payment amount, original creditor and type of account. I understand that there is more information due to me regarding my actions and rights that were not obtained in this phone call. I also asked for the name of the debt collector and was told it was XXXX XXXX, but when I searched the number ( XXXX ) XXXX online, I found the following information : FBCS Consumer Contact Solutions Headquarters XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX https : //www.fbcs-inc.com/contact/ This may have been an understandable communication error or they may be calling on behalf of the debt collector XXXX XXXX, but I am not entirely clear. Here is the information regarding the missed calls and no voicemails from the debt collector : Call from XXXX on XXXX XXXX, 2016 at XXXX. Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. Call from XXXX on XXXX XXXX, 2016 at XXXX and XXXX. As of now, my complaint is regarding the phone calls. Thank you.
10/21/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MA
  • 01453
Web
Received a letter from FBCS saying {$250.00} is owed and the original creditor was listed as the doctors office I use. I have never received any bills which is odd because they have always sent notices if I forgot to pay a bill. They have never called either and that usually happens as well. I called the doctor and they have no record of anything owed and they confirmed they do not even work with FBCS nor have they heard of them. So I looked up FBCS on the internet and XXXX seems legit numbers and addresses match on the mail I got. So I decide I'll call the company as it must be a mistake. FBCS told me the doctors office sent it to them so the doctors office wouldn't have any record of it anymore. They said I should just pay it since it is small. They tried to make me log into a website with my SSN and when I refused to do that they said they would confirm the last 4 with me to prove they already had the info. Guy on phone sounds surprised and says " just sign in with XXXX because it looks like we don't have the social security number ''. I get errors still can't sign in to " see '' the bill. I asked what can be done because the doctors office is saying they don't even work with you and I don't owe this and my spouse doesn't owe anything either. They told me I couldn't do anything to dispute the debt with them and would have to call the doctors office and speak to the supervisor there because I do owe the money but I should just pay it because it is small. Fbcs also said the doctors office sent the debt to them on XX/XX/2020. I have another call into the doctors office to see if any patient info has been stolen because FBCS does have the correct name, address and doctors office which is worrisome.
06/24/2019 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • FL
  • 32825
Web
In XXXX of XXXX I received a letter from XXXX XXXX XXXX XXXX stating I owed them {$1700.00}. I sent a letter on XX/XX/XXXX asking them to validate this debt. I did not hear back from them. In XXXX of XXXX I received a similar letter from a different company FBCS , Inc stating I owe them the same amount of {$1700.00}. I sent them a letter on XX/XX/XXXX asking for the same validation. I also received a copy of a paper that appeared to be order for judgement from XX/XX/XXXX, from a completely different company XXXX XXXX XXXX XXXXXXXX XXXX. The paper did not have a court seal, docket stamp, file number, case number, official letter head or anything official from a court of law. I found it to be suspicious, so I contacted the state 's district court where this paperwork supposedly came from immediately. I gave them all the information I had and was told there is no judgement on file against me. The paperwork I was sent is fake. My information can be searched in any court and there will be nothing on file against me stating I owe this debt. Afterwords I sent a second letter stating all the facts. I do not owe this debt, I've never heard of their company and I do not owe them. There is no court judgement against me. I received a letter stating this account will be put on hold in their office, dated XX/XX/XXXX. Today XX/XX/XXXX I receive a call from someone at FBCS , Inc on a recorded line stating that I owe over {$5000.00} and if I didn't pay, they know where I worked and would have my wages garnished and have their lawyer come after me. The lady on the phone scared me so I feel compelled to report them. I'm sending them another letter as well an contacting the credit bureaus.
06/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30310
Web
On XX/XX/22, I received a collections notice in the mail from FBCS. On XX/XX/22 I replied to the letter with a certified letter to FBCS ( Collection agency ) requesting a debt validation for a collections notice that I received for an electric bill on behalf of XXXX XXXX XXXX. I notified FBCS that this account does not belong to me nor have I ever conducted business or held an account with XXXX XXXX XXXX nor FBCS. I requested verification/validation of the alleged debt and specifically requested a copy of a contract or agreement signed by the alleged original creditor and all parties to any such contract provided. FBCS did not provide the requested information. Instead they sent a response stating that I needed to complete identity theft and affidavit forms. FBCS did not comply with my request for debt validation which is a violation of the FDCPA. On XX/XX/22 at XXXX I spoke with XXXX XXXX XXXX XXXX XXXX ( original creditor ) to inquire about the collections notice that I received for a bill in the amount of {$260.00}. I explained to XXXX that the name on the letter is not my legal name and that this is not my bill. I also let her know that I have never lived at the alleged address that the bill is for, nor have I ever had an account with XXXX XXXX XXXX. XXXX confirmed that the social security number that is on file does not match mine and she confirmed that this is not my bill. XXXX stated that when the skip tracing was done that my contact information XXXX have mistakenly been mixed up with the person who the bill belongs to. I expressed my concern about receiving a collections notice and she told me to disregard the collections notice since the bill is not my bill.
04/23/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OH
  • 45373
Web
I was contacted by phone in XXXX or XXXX by FBCS , Inc for XXXX medical debts. I asked for debt verification, and the rep danced around the issue, and suggested that we make payment arrangements on this debt that they stated was from 2009. I honestly do n't remember if this debt is valid or not, but the rep said they would send me debt verification, which ended up being a generic looking document on their letterhead, which also looked generic, with XXXX or XXXX sentences stating that I owed the debt. Before I received that, I do n't recall getting anything at all from them. The debts totaled less than {$150.00}, so in good faith, I made a payment arrangement, but told them that I wanted true debt verification information, which I never received, even after I had made a couple of good faith payments. My suspicion about these debts, as well as the agency, kept growing, and I became more and more uncomfortable with them. They would even call a week or XXXX prior to my arranged due dates with them to make sure I was going to make the payments. Every time they would call, I would tell them that I never received the debt verification that I had repeatedly asked for. During the last call I received, I told the rep that I was going to file a complaint against their company with the CFPB, and she told me to do what I had to do. The final straw for me was that they put this debt on my credit report, which seems almost like a bully tactic to get me to finish paying off this possibly fraudulent debt. I do n't know what to do about this, but I am livid. Will you, or can you, please help me?
09/25/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • LA
  • 70570
Web
This complaint involves two things. The options would only let me choose one at a time. I received a letter on XXXX XXXX 2017 from FBCS , Inc. in an attempt to collect a debt. My first complaint is that the debt is not valid. I ordered a XXXX Scanner online years ago. However, I returned it soon after I got it. I decided I did not need it. A few months later, the XXXX company started contacting me about the payment for the product. I communicated to them that I had returned it months ago. They acknowledged it must have been an oversight on their part, apologized and I have n't heard from them since. I thought it was over and done with, until I received a letter from FBCS, Inc. on XXXX XXXX 2017. The letter is attached. I responded to them in writing and explained that I returned the product years ago. It 's been nearly 10 or so years. My letter is also attached. My second complaint is that after receiving a letter from FBCS , Inc. and responding to FBCS , Inc. in writing, I have received a response letter from XXXX XXXX XXXX XXXX. thanking me for my inquiry, but informing me that I need to contact FBCS, Inc. from now on because the account has been forwarded to them. That letter is attached as well. I 'm inclined to believe that this is a " run around '' tactic to avoid actually clarifying or responding properly to my response letter, not to rectify it. I never sent anything to XXXX XXXX XXXX XXXX I only sent a letter to FBCS , Inc. and now XXXX is sending me a letter to contact FBCS, Inc. going forward. This is deceptive and inappropriate practice.
01/17/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 91306
Web Servicemember
On numerous occasions, beginning on XX/XX/2017, FBCS , Inc. ( located at XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX ) and their client XXXX XXXX XXXX XXXX XXXX XXXX ( located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, MO XXXX ) contacted me regarding their collection of XXXX account XXXX debt of {$10000.00}. A phone representative of FBCS Inc. has been calling my home phone repeatedly, as well. When my wife answered and asked for debt validation to be mailed to us, the phone representative informed my wife that FBCS weren't legally required to send anything to us, informed my wife that she was stupid to request it and that my wife " knew nothing. '' I responded to all correspondence from FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX detailing that I never authorized this alleged credit card charge to XXXX, the merchant or anyone else. I detailed to both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX that I consider this XXXX credit card charge to be fraudulent, that I am currently disputing the amount, and that I have active investigations with various governmental entities regarding this alleged debt. Both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX, after their first letter dated XX/XX/2017, violated both my State and Federal rights by placing derogatory marks on my credit reports with all credit reporting agencies ( XXXX, XXXX and XXXX ) without first investigating my dispute, responding to my requests for debt validation. I am filing this complaint against both FBCS, Inc. and XXXX XXXX XXXX XXXX XXXX as my rights have been violated. Please, help.
06/08/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • IL
  • 60133
Web
Someone opened a account with XXXX using a different address than mine. I was contacted by XXXX regarding this and squared it away with them. I started receiving daily calls from FCBS Services. The first time I answered a call from them, they started asking me to confirm personal information, but without telling me in to what this was regarding.I told them I would not confirm any personal information like my address and last XXXX of my social security unless I knew in what to it was regarding. After some back and forth I just hung up. They continued to call back every day. I received a letter from them and learned as to what this was regarding. They were trying to collect for a XXXX account opened in my name, but never paid the outstanding balance. I called XXXX and talked with them and they confirmed my account was up to date and the account that was trying to be collected was closed. I filed a report with XXXX 's fraud department. I also found the fraudulent address on my XXXX credit report and contacted them and they had it removed. I tried answering a call from FBCS Services and explaining to them the circumstances, and they still insisted on confirming my personal information like my address and last XXXX of my social security. I told them that I did n't feel comfortable confirming personal information since this is a case of stolen identity and they could n't help me without the information and hung up. Since they have continued to call every day bringing me great stress and worry that this will show up on my credit report.
08/04/2022 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AK
  • 995XX
Web
On XX/XX/22 I received a phone call from FBCS at XXXX am, I called back at XXXX. They left no voicemail and I've received no letters from them. It took several minutes just to get the caller to name the original debt which they state is from XXXX XXXX to the tune of {$500.00}. I have not received any communication from XXXX for over a year. I told them I wanted verification of the debt and the woman argued that I needed to provide her a reason for my dispute so that they could provide verification of the debt. I reminded her this is not the way that it works. I am allowed by law to request a verification from a debtor, especially one I haven't heard from an over a year and I don't have to provide a reason, they are required to provide it. This went back and forth for a minute with the debt collector arguing with me when I told her I am a legal assistant, it is the law they have to provide me validation in writing and that Alaska is a one party state for phone conversation recording she ended the call. I don't believe I owe this debt but, I also believe it's a violation to try to 'talk ' people out of requesting verification. There is nothing in the law that requires I give them the reason for my dispute prior to reviewing what they allege to have. For all I know this lady is a scammer given the odd fact that an entirely different company called me for the same alleged debt that very same morning and couldn't rationalize why I had two debt companies calling me on the same day for the same amount of money from the same creditor.
02/13/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90034
Web
Original complaint filed XXXX/XXXX/XXXX - Case Number XXXX. Response from CFPB received XXXX/XXXX/XXXX with the Response : " FBCS has removed all this third parties information. There will be no more calls or letters to the individual. '' FBCS lied to the CFPB. On XXXX/XXXX/XXXX, I was alerted that FBCS placed a bad debt notice on my wife 's credit report despite the fact she is not the person who owes the debt. Her name is not the same, she has never been a XXXX XXXX customer. She has lived at the same address as me since XX/XX/XXXX, and XXXX XXXX has no service contract in our area, so neither of us could possibly owe XXXX any money. XXXX has been contacted to dispute the debt and the bogus name that FBCS falsely reported as being an alias. This company is lying every way it can to extort a payment we do not owe. Seriously, our credit report indicates every account we hold is paid in full every month and has been for years, covering tens of thousands of dollars. This is an extortion attempt over {$290.00}. This is a stupidly small amount and if either of us owed it, we 'd pay it outright ... BUT WE DO N'T AND WE WO N'T PAY IT. Not only does FBCS need to back away from their demand, they also need to clear the fraudulent alias they filed with Experian from my wife 's credit report. There is no " XXXX XXXX '' in this household, never has been, is not an alias my wife has ever used and FBCS 's claim otherwise is a lie. The company is doing damage to my wife 's actual good name and good standing, which is criminal.
02/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MS
  • 38637
Web
University XXXX XXXX is alleging that I owe them a balance of {$1100.00}. ( which is showing up an unsecured loan on my credit report ). I do not owe this debt. After requesting a copy of my credit reports, the opening date is showing as XX/XX/XXXX. I did not attend the university orientation until XX/XX/XXXX. Late XXXX, I received a letter from the collection company ( Financial Business and Consumer Solutions . The letter was dated for XX/XX/XXXX requesting a payment in full. The letter stated, Unless you notify this office within 30 days after receiving this notice that you dispute the validity of the debt or any portion, thereof, this office will assume the debt is valid. I sent a debt validation letter ( which is attached ) to the collection company on XX/XX/XXXX. I received a letter from University XXXX XXXX on XX/XX/XXXX. The letter was dated XX/XX/XXXX. University XXXX XXXX did not validate the debt but sent a transaction history and no document that bears a signature where I promise to pay. According to the National Student Loan Data System, the class was paid for in full of by student loan. University XXXX XXXX states that my withdrawal date was XX/XX/XXXX. University XXXX XXXX wrote off the debt on XX/XX/XXXX. Financial Business and Consumer Solution began contacting me on my phone starting in XXXX since then I have been getting random calls from different numbers. The calls are harassing and very annoying. I understand that a collection company can not contact after being told not to.
04/29/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73112
Web
I had a service contract with XXXX, XXXX that was fulfilled. They actually did not provide a service for the last 12 months of the contract but I still paid them and fulfilled my end of the contract. After that, I cancelled the service and stopped paying. Today I received a call from a collection company stating that I owe over {$400.00} to XXXX. I called XXXX directly to verify and they said that they see that I fulfilled the term of the contract but because they did not receive a written notice to cancel that I was still being charged monthly. I never received a notice of default or that I owed them a debt. They have the correct email address on file and they did not ask for a forwarding mailing address, as they knew I was no longer at the previous service address. I believe they have violated multiple laws/regulations : They did not inform me of a debt owed. They did not inform me of a debt being sent to a collection agency. They did not cancel my contract after I requested it and I was outside of the contract term. They charged for a service that was not provided. I have requested a copy of a signed contract and they have so far not sent me a copy. I have tried to in good faith resolve this with XXXX, XXXX and they are telling me that they can not help me so I feel my only other option is to pursue remedy through a Consumer Protection agency. When I told them that I was going to pursue recourse through the CFPB and/or FTC, the rep laughed at me.
08/15/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • XXXXX
Web
The University XXXX XXXX ( original creditor ) has been proven to be a fraudulent account, They have removed their negative markings, allow with the XXXX XXXX XXXX and literally four other 3rd party collection agencies because this account does not belong to me. I received a letter dated X/X/17 and like all other accounts associated with XXXX, I have no knowledge of this account. Prior to filing this complaint I called the credit bureau and was informed that the original creditor XXXX company provided proof that the account was n't mine and deleted all files associated with it. When I tried to call because I have no idea what this is from the customer service agents was unable to speak with me unless I verified my information. I gave her my social and the account number furnished on my report. She was unable to speak with me as the information didnt match. When I asked her to send me a letter stating they had the wrong information the call conveniently disconnected. I called back and asked another agent and he said its against their policy to discuss the account because the information doesnt match, when I asked him to send me verification of the debt and to cease collections he stated they wouldnt collect anymore but he couldnt stop it from going on/remove it from my credit if I didnt pay. I AM NOT PAYING FOR AN ACCOUNT THAT IS NOT MINE and they couldnt even verify in their system. I have never had an XXXX account and I have no knowledge of this account.
10/24/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 480XX
Web Older American
XXXX is once again attempting to collect on the bogus final payment of {$160.00}. XXXX contacted XXXX XXXX XXXX., XX/XX/2016. The case no. was XXXX and case No., XXXX. After corresponding with both the cfpb and XXXX, I received notification from XXXX that " We ( XXXX ) consider this matter closed as of XXXX/XXXX/2016. '' Now this same bill for {$160.00} has been assigned to another debt collector FBCS at XXXX XXXX XXXX XXXX., XXXX XXXX, XXXX, PA XXXX. The FBCS Case No. is XXXX. XXXX failed in their notices to me and to XXXX to identify the billing period associated with this expense. The equipment was returned prior to the next billing cycle, and my XXXX connection was disconnected prior to the start of my next billing cycle. My final XXXX bill of {$11.00} was paid and check # XXXX because that is what I owed XXXX. This check was cashed as well. No explanation was given for the next charge of {$160.00}. How do I stop XXXX from the continued harassment and bogus debts they insist I owe? Please help me and stop XXXX from this type of attack on my credit. I now have to notify the FBCS within 30 days and explain again that this is a bogus billing for which XXXX has no valid explanation. Otherwise FBCS will deem " this debt to be valid. '' I do n't want to be dealing with this problem for the rest of my life and I will not be pressured and coerced into paying a bill I do not owe. Thank you for your help, XXXX XXXX XXXXXXXXXXXX
11/14/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 43219
Web
To Whom It May Concern, The reason for my dispute is FBCS Financial Service was required to notify me no later than 30 days after furnishing the negative information to credit bureau reports, in writing ... under such section 623, subsection ( 7 ) ( A ). However, in my records, I am unable to locate documentation that they complied with this requirement, which is a violation of the FCRA & FDCPA. Also, FBCS Financial Service failed to give me my " Mini-Miranda '' five days prior to placing this derogatory item on all of my credit reports, per Section 807 ( 11 ) & FDCPA 809, Under 809. Validations of date and Mini-Mirandi under Section807 ( 1 ) FBCS Financial Service failed to send me my initial communication before placing this alleged item on my credit reports further violating the FCRA, with {$1000.00} per violation FBCS Financial Service is held liable as well for defamation and in the state of OHIO indebtedness with those of other creditors against an individual debtor or codebtors. FDCPA I fail to see where FBCS Financial Service is in compliance with OHIO LAW. I also have report this account to the FTC, and XXXX Police Dept.I need this collection account to be removed from my credit report. XXXX XXXX XXXX # XXXX**** has not even tried to contact me regarding this Fraudulent collection account. Please have them remove this collection account immediately.
05/30/2020 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • OH
  • 45251
Web
FBCS Consumer contact solutions, a debt collection company in Pennsylvania at XXXX XXXX XXXX XXXX, XXXX XXXX, in XXXX, PA XXXX sent me a letter about an old medical debt from 2012 ( I live in Ohio, so the statue of limitations, per my understanding, for medical debt in my state is 6 years ). I disputed this debt way back then, as per my insurance at the time I should not have had to pay anything. Suddenly, 8 years later I receive this collection notice. The acct # is XXXX and the original creditor was XXXX XXXX XXXX XXXX, and that original acct # is XXXX for the amount of {$620.00} ( which is an incorrect amount, as the amount they originally tried to charge me for was {$500.00} something, which I disputed almost a decade ago ). I just want to make sure this company FBCS doesn't attempt to ding my credit score ( which, per my understanding, they can not do on a debt this old ), or illegally attempt to take me to court ( which would result in them violating Ohio collection laws, per the statue of limitations on these kinds of debts, and most likely result in a counter lawsuit for punitive damages ). I've gone through the CFPB before on things like this, and the CFPB can usually nip these things in the bud before they escalate. I also sent a request to FBCS disputing this and requested an itemized statement, which they failed to provide. Thank you!
01/30/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44121
Web
Good evening!! I have tried contacting the original debt collector and now this third party to see to it that this debt indeed belongs to me. I have yet to receive confirmation that this debt is truly mine. The Comprehensive Credit Reporting Enhancement, Disclosure, Innovation, and Transparency Act of 2020 or in short better known as the Comprehensive CREDIT Act of 2020 within section 401 explains details regarding any adverse credit details contained within my personal credit file that Id appreciate if XXXX would adhere to as is required by law. To not adhere to this law is accepting all consequences included and not limited to litigation, that will come fourth should you not comply with Federal Law. ( 12 ) TITLE IVCREDIT RESTORATION FOR VICTIMS OF PREDATORY ACTIVITIES AND UNFAIR CONSUMER REPORTING PRACTICES Sec. 401. Adverse credit information Any other adverse item of information relating to the collection of debt that did not arise from a contract or an agreement to pay by a consumer is to be REMOVED FROM MY CREDIT FILE. Collection Account ( s ) - FBCS for the amount of {$1600.00} - LITIGATION I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once.
11/07/2023 Yes
  • Debt collection
  • Payday loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 49417
Web
I sent a letter to XXXX in order to request a formal validation of debt. Now I am receiving notices from TWO companies, both FBCS as well as XXXX stating that I owe them {$2900.00}, BOTH asking for payment. I do not know who holds this debt, and I do not know why I am receiving correspondence from TWO different entities regarding the SAME debt. Both company 's statements reference {$2900.00} owed from an original creditor, XXXX XXXX XXXX XXXX, which is who XXXX goes through. ALSO, there is a violation on the actual REPORTING on my credit report. According to the Fair and Accurate Credit reporting, FCRA 15 U.S. Code 1681b, Fair Debt Collection Practices Act, 15 USC 1692g, and The Fair Credit Reporting Act, Public law 91-506, Title VI, Section 611, Subsection A-D, as well as Section 15 U.S. Code 1681i ( a ) ( 5 ) of the FCRA, the information on my credit report must be fair and ACCURATE. I have attached a screen shot of my credit reports. It shows the 'original lender ' as not correlating the same across all 3 bureaus. Also XXXX shows this account as closed, XXXX shows this account as open, and XXXX shows this account as open. So this is also an inaccuracy where the information is not accurate across ALL 3 bureaus. ALSO, there is no proof of contract between me and FBCS, who has continued to send me USPS mail correspondence.
04/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11229
Web
I received a letter from FBCS Consumer XXXX Solutions that I owe before mentioned company {$610.00}. On XX/XX/2022 I have sent certified mail to FBCS Consumer XXXX Solutions to validate debt to be provided with competent evidence that I have any legal obligation to pay and requested following documents to be mailed to me : -agreement that grants collection agency authority to collect alleged debt. -agreement that bears signature of alleged debtor where I have agreed to pay creditor -any insurance claims made by any creditor -any judgements obtained by any creditor -name on file of alleged debtor -name and address of alleged creditor -alleged account number -amount of alleged debt -address on file for alleged debtor -date this alleged debt became payable -date of original charge off or delinquency -verification that this debt was assigned or sold to collector -complete accounting of alleged debt -commission for debt collector if collection efforts are successful. As of today XX/XX/2022 I have not received any requested documentation from FBCS Consumer XXXX Solutions. Above mentioned collection company failed to validate debt. Under the Fair Debt Collection Practices Act ( FDCPA ), a debt collector must respond to a request for a debt validation letter. Since they did not, theyre in violation of the act.
07/07/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 92806
Web
Hello, I received a letter in the mail from Fbcs consumer contact solutions. The letter stated that if I paid XXXX dollars they would wave the rest owed and settle my account. This did not happen so I tried contacting them 3 different times. Once by e-mail on XX/XX/2021 requesting a call back an an explanation as to why my account was not settled. Second attempt was by e-mail and phone on XX/XX/2021. The person who answered the phone told me I would need to contact a different department and leave a voicemail with my account number, name, and that Id like a settlement letter e-mailed to me. Third attempt was the same day XX/XX/2021 leaving a voicemail with requested information. I did not receive the requested letter in the 48 hour period mentioned it took on their voicemail. I did however receive a letter dated XX/XX/2021 showing a balance minus my payment amount. My belief is this company scammed me out of money with XXXX intention of settling my account like they said they would. I have tried twice with one credit bureau to have the status corrected and each time it was denied saying the amount owed is correct. I do not know what else to do to resolve this issue at this point. If I were scammed by this company I feel its important to report them so they are unable to continue to do it to others.
03/14/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IL
  • 62864
Web
I received a bill in the mail from FBCS Services saying that their client XXXX XXXX, XXXX has authorized them to accept a 60 % discount on an outstanding balance of {$1400.00}. The date of service is XX/XX/2013, account # XXXX. That date is the day my XXXX XXXX XXXX son was in a bad ATV accident. He was not at fault and we filed a suit against the responsible party and settled roughly 3 years later. The original creditor is " XXXX XXXX XXXX XXXX XXXX ''. So after speaking with FBCS they recommended I call the XXXX XXXX XXXX XXXX. I spoke to them and the billing department of XXXX XXXX XXXX in XXXX. XXXX. They did not have any record of that bill. We searched by name, date, account number and my son 's social security number. The hospital did tell me they no longer use that company for medical billing. I contacted the attorney for my son 's case and he stated that was a bill that he never received. It was never submitted for payment during the whole 3 year settlement battle. My address on file at the hospital was current and up to date as well. So I'm at a loss. I'm not sure what to do next. I left a message with XXXX XXXX XXXX stating I'd like to speak to someone about a bill I received and I haven't been contacted. I want to ensure this isn't a scam. I appreciate your time. Thank you.
02/09/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29150
Web Servicemember
I have started getting calls from FBCS on a regular basis recently. I didn't even know who or what FBCS was. I had to look them up online to find out this is a debt collection company. I am NOT in debt! I thought I got this straightened out last year when I went through this same problem with other debt collection companies. I was getting frequent calls for an XXXX XXXX XXXX, who apparently used to have my landline number. I filed a complaint through you and the calls from debt collectors stopped. Well, they've started again this year. I have had the same landline number for 3 years, so whoever this outfit is trying to reach is calling a number that hasn't been that person 's for years! I don't trust them, so I haven't called them back. I'm filing this complaint and blocking their number. I can't tell you how sick and tired I am of getting bombarded with calls for the wrong person. What does it take to get through to these debt collectors? I do not have an unlisted number, so it would be easy enough for them to check and see if the number they are calling matches the name of the person they're trying to reach. They don't bother. They start calling early in the morning, like XXXX. I thought it was illegal to call before XXXX am. If they are legitimate, they need to stop that.
10/14/2015 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 954XX
Web
I was told that they would settle for a certain amount and every time they tried my bank would not approve the transaction or I could not get out of the house to reload my card, as I am a XXXX. I tried several times for them to take the money out but they kept saying that it was n't going through so they backed out of their agreement with paying {$280.00} to close out the debt. When I called them today they told me that I now owed the full amount because I did n't follow through with the agreement. I told them last Friday that I was waiting for my money to clear in the bank and then I would call them. First of all this debt is from University XXXX XXXX who charged me for classes that I did not even take and I told them several times that I was n't able to access the classes They should have fixed it and unenrolled me from the classes. I am supposed to pay for a service I never received and I do n't think that 's fair. University XXXX XXXX knows that they messed up by not having the classes I signed up for available to me. How can I owe money for a service that was never rendered? And then how can the debt collection agency go back on their word simply because I told them that they 'd have to wait until the money cleared in the bank? This is not fair all the way around,
09/12/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33431
Web
I finished my plan with XXXX around XXXX XXXX. I have paid all of my bills, returned all of the equipment and got a receipt. 1 year later I get a suspicious phone call from a dept collector saying i owe XXXX XXXX $ and I need to pay them the amount. right away I call XXXX and they told me that I do n't owe them nothing and the account was closed. I called up the collector and told them that I DO NOT owe them nothing and they told me that they have disputed the charge. 6 month later ( XXXX XXXX ) I get another phone call from the collector again, This time I told them that this is a fraud and they are steeling money from people. I hang up and called XXXX again, They have check every thing and assured me that there is no charge owed or requested to collect. I called the collector again and told them the story, The representative told me that she will dispute the charge. I called one week later ( XXXX/XXXX/XXXX ) to check that they took me off the system but they DID NOT. I told the The representative to dispute the charge and he told me that he will do it and when I asked to get a confirmation letter or # he refused to give me one and put me on hold for 1 hour. I hanged up and call again to fine that the next representative will do the exact same. Thanks
01/20/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • TX
  • 791XX
Web
FBCS attempting to collect medical debt under " parent '' XXXX XXXX 's XXXX XXXX in the state of IL. This is the correct information to the best of my knowledge regarding any hospital stay : Date of Service XX/XX/XXXX place : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Tx. acct XXXX Under Texas debt collection law Medical debt time barred is 4 years. A data breach was also noted at this facility which is under investigation XX/XX/XXXX ( network server ) via HHS.gov website. The Physicians who were PCP during stay also were noted to have a data breach under investigation XX/XX/XXXX ( hacking/IT ) via HHS.gov website. I am concerned that this company has taken action to collect a time barred debt to revive the debt. If my understanding is correct this can not be done in Texas. I am not sure who this debt company. I am an older citizen concerned and unsure of the changing rules regarding debt collectors along with data breach 's. I do know that I have not authorized XXXX XXXX XXXX XXXX XXXX XXXX authorization to share my legal or medical information. I believe this is a violation 1. time barred debt 2. possible HIPAA compliance 3. Stop before they report to consumer reporting agency 4. age/minority Thank you for your time
12/21/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • GA
  • 30349
Web
My information is supposed to be private and this company violated my consumer laws. This debt was shared without my consent or knowledge. 15. U.S.C 1692C- Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S.C 1681 Section 604 A Sections 2- A consumer reporting agency can not furnish an account without my written instruction. Violation of my privacy Any person that receives medical information pursuant to paragraph ( 1 ) or ( 3 ) shall not disclose such information to any other person, except as necessary to carry out the purpose for which the information was initially disclosed, or as otherwise permitted by statute, regulation, or order. for any purpose permitted without authorization under the Standards for Individually Identifiable Health Information promulgated by the Department of Health and Human Services pursuant to the Health Insurance Portability and Accountability Act of 1996, or referred to under section 1179 of such Act,1 or described in section 6802 ( e ) of this title 15 U.S.C. 1681 Section 602 A
02/25/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 295XX
Web
Adverse debt reported to XXXX in the amount of {$150.00}. Contacted XXXX at XXXX XXXX and XXXX XXXX ( listed on XXXX Report page of which is attached ). This account dates to XX/XX/XXXX from an Emergency Room Doctor named XXXX XXXX ( no clue who she is ) at XXXX XXXX in XXXX, Ohio. XXXX part of the XXXX billed insurance and subsequently billed me for what Insurance did n't pay. Account was then turned over for non pay to a XXXX XXXX who never contacted me ( phone number has been the same since XX/XX/XXXX ) and finally was purchased by the aforementioned company. I requested of XXXX a copy of the original debt and explained that I have not lived in XXXX for SEVEN YEARS and would never allow a medical debt to go into collection. This is beyond belief that this company can place collection activity on my account as the XXXX Company ... simply blackmail to get me to pay a debt I may or may not owe. To reconstruct medical records from an insurance company I not longer have would prove impossible and beside the fact that what is billed and co pays requried by subscriber are usually XXXX. This item needs to be removed from my XXXX Report and these companies need to be put out of business.
07/09/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Right to dispute notice not received
  • WA
  • 98311
Web
On XX/XX/XXXX XXXX I received a call from a collection agency regarding a bill that I have multiple issues with. 1 ) I never received a statement from original creditor as I had moved and had informed them of this, which they made no attempt to obtain my new address. 2 ) The last time I spoke to original creditor I requested my account to be closed, told then to keep the {$20.00} balance and then I cut up my debit card. Never used account again. 3 ) The first time I was informed of this debt it had been sold and I was informed by XXXX of their collectors that I could not dispute the bill. ( this was around XX/XX/XXXX ) 4 ) The next collection agency called me XX/XX/XXXX informing me of bill. I gave them my current address and requested bill and advised the company I was disputing bill but wanted a letter to respond in writing. never received letter. 5 XXXX Now I have reached the last incident. XX/XX/XXXX Again was contacted by a different agency. Updated my address AGAIN. advised the collector I was disputing the bill and that I wanted a letter. He then informed me that because I was verbally disputing the bill I was not entitled to a letter from them.
09/20/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • WI
  • 531XX
Web
On XX/XX/2019, I received a phone call from a number registering same area code and town that I was in. The caller stated " was an attempt to collect a debt '' and then asked me to verify my name and address. I asked them to identify themselves, they said FBCS, and who they were calling on behalf of, which they refused to say and insisted I provide them my address first. I asked again who they were calling on behalf off and the caller told me they wouldn't answer anymore questions until I identified myself. At this point they hung up on me. I received another call today XXXX XXXX. The caller again said they represented XXXX and wanted me to identify myself. I didn't give out any information and instead asked for a business address and phone number. The caller became defense and refused saying she didn't have to provide any of that information. At no point in either call did the callers say who they were calling on behalf of UNTIL I asked them to identify themselves. Both calls came from a local number. And both callers became defensive when I questioned the legitimacy of their call, refusing to provide additional business information beyond the name FBCS.
08/17/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • WV
  • 26508
Web Servicemember
A few months ago, I was contacted by phone by XXXX XXXX about a medical debt from XX/XX/2017. When I answered, they tried confirming my information and my social security number was incorrect so I hung up because I thought it was a scam call. Then, I received notification by mail that I owe the amount of XXXX to XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX I notified the company through mail that this is incorrect and would like to dispute the information and be provided documentation. The documentation provided shows an incorrect social security number. I am sure I paid this debt in the past and convinced I am being double billed for a service. I tried contacting XXXX XXXX, who was the original creditor, and they could not find any information about me with both my new and incorrect social. I do not understand how I can be billed 6 years later under something with an incorrect social AND when the original creditor doesnt even have any information on my account. I believe I am being billed falsely and illegally. This collection agency should not even be attempting to collect a bill that isnt with the original creditor or with incorrect information.
10/11/2018 Yes
  • Debt collection
  • Private student loan debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 90036
Web
I was initially contacted by XXXX XXXX of FBCS about one week ago. He identified himself as a debt collector on a private student loan ( bar exam debt ) that I believe I settled/discharged with a different collection agency several years ago. This was the first time I'd heard anything about that loan in years. Nonetheless, I was very cordial with him and requested something in writing documenting the amount FBCS asserts is still owed. I provided an updated address. I have yet to receive any written communications, yet I have received daily calls from Mr. XXXX. I was notified by my mother, who lives in Ohio, that she received a call from Mr. XXXX today. As there was no reason to contact a family member under the regulations, I believe he was in clear violation of applicable law. My location was given and known by Mr. XXXX, there is no court proceeding and in fact could not be at this time pursuant to statute of limitations, and I certainly did not agree in writing or otherwise. It is my belief that FBCS is engaged in unethical and unlawful debt collection practices. I'd like to notify this agency in hopes that it will protect other consumers.
08/22/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • CA
  • 94561
Web
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! These accounts should not be furnished on my consumer report as they are in VIOLATION!!! Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts listed IMMEDIATELY!
03/11/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11741
Web
After multiple request of complete validation sent by certified mail to multiple companys that claim i own this bogus debt no proof ever has bin provided of any kind after 15 years.Thers nothing out there and i want them to stop harrasing me or a lawsuit will follow.I will fight this till the end of my days.Again thers nothing out there. A complaint was filled before with a previous company called XXXX XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, OH XXXX. CFPB # XXXX on date XX/XX/17 Than it was sold to XXXX XXXX , LP file # XXXX again no proof of any kind. Again sold to another BOGUS company FBCS , INC XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, PA XXXX XXXX trying to collect on this bogus debt and i file a complaint to this company .I want all this nonsence to complete stop. They all trying to collect in behave of XXXX XXXX XXXX. with no proof ever provided requisted by me by certified mail ( have the proof ) isnt that illegal? Orignal Creditor XXXX XXXX XXXX XXXX XXXX file # XXXX Amount they claim i owe {$1700.00} My name XXXX XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX tel # XXXX XXXX XXXX
07/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Other personal consumer report
  • Improper use of your report
  • Reporting company used your report improperly
  • MI
  • 48180
Web
To whom it may concern : XXXX : Intent to file suit : violation of the FCRA I have sent 50 previous letters to XXXX XXXX XXXX, FBCS all by certified mail ( copies of receipts enclosed ) requesting that XXXX XXXX and FBCS remove inaccurate information from my file, and they have failed to do so. Accordingly, I can show a judge that these accounts are inaccurate and that XXXX XXXX XXXX and FBCS has violated the Fair Credit Reporting Act by ignoring my requests to investigate the accused debt of {$1400.00} dollars. My previous lettersall sent certified mailstated my reasons for an investigation and these reasons were not frivolous in any way. If this final request does not prompt XXXX XXXX XXXX, and FBCS to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit in XXXX XXXX MI, for damages. I take my credit very seriously and your lack of professionalism and assistance is unacceptable. I am aware of my rights under the FCRA and intend to pursue them to the maximum I appreciate your response.
04/03/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • SC
  • 291XX
Web Servicemember
I was looking into a chargeoff from XXXX XXXX on my credit report. I contacted XXXX XXXX who forwarded me to a collection company FCBS inc. That company at first started that they did not own the debt and they were collectors of and on behalf of XXXX XXXX . I then contacted XXXX XXXX who stated they had sold the debt and no longer owned it. When I contacted the collection company ( FCBS, INC ) again, they stated that they were not a part of XXXX XXXX and I owed then the debt. I told them without verification there would be no payment arrangements etc until I had validation of who owned the debt. ( Recorded phone conversations ). Because it was inaccurately reported, I asked experian to remove this chargeoff. They did not and changed it to updated file which made my FICO score drop 54 points. I believe my rights under fcra are being violated and I am being punished for filing a dispute on inaccurate information on my credit report. This collection company is now dating I entered into a payment agreement with them which I have not. This is a violation of my rights!
01/30/2023 Yes
  • Debt collection
  • Private student loan debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 76712
Web
XXXX Called FBCS to determine what the letter I received from my grandmother was about. They did not have my current mailing address on file. They actually had an address from 7 years ago on file and not my current name. I asked for them to verify the debt by mailing proof of the promissory note. The agent insisted on me emailing them first to give them permission to email me back. I said I would prefer written correspondence to be sent via mail, not electronically. He continued well, maam you can print off a hard copy yourself when you receive the email from us. He then proceeded to ask for my grandmothers phone number to which I replied I am not obliged to offer her number to anyone at this time. He replied oh we have several numbers on file to reach her at. That is not ok in my book. If theres a debt with me, reach out to me. Do not involve or threaten to reach out to my grandmother. I called XXXX XXXX XXXX and they do not have any recollection of a student loan taken out in my name/my grandmothers name for the amount they proposed.
10/08/2023 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90028
Web
I received a letter in the mail from FBCS , Inc calming that I owe a " XX/XX/XXXX '' {$1000.00} which seems to be for some sort of credit card. I looked at the account # on the letter which totals up/ looks like a credit card ( working in banking/finance I have experience with recognizing what these sorts of accounts look like ) First and foremost, the letter is addressed to simply " XXXX '' with my address, claiming they can offer me some sort of settlement offer if I oblige and pay them 50 % of alleged balance. I reached out to organization which more than likely purchased debt from " XXXX XXXX '' for proof that this debt belongs to me, with no response, so I am reaching out to the CFPB with the intent to have this completely removed/ taken care of, and prevent this from hitting the 3 major credit bureaus. Im not sure if FBCS has my social security #, but at this point, I do not want to take the chance and wait around to find out. Especially for an amount that large, considering they have my current mailing address. Kind regards,
10/30/2015 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 18015
Web Older American
FBCS Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by XXXX not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. I received calls XXXX XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.
02/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32223
Web Older American
On XXXX XXXX, 2014 I called XXXX XXXX to have my service disconnected. I also received instructions on how and where to return their equipment. Over the next couple of months I continued to receive bills for service and their equipment. I called XXXX a couple of times to rectify the situation, but received basically no assistance from the reps to correct the problem. After a while I stopped receiving bills from XXXX and I assumed the matter was resolved. This month I received a letter from FBCS Inc., which I have learned is a third party collection agency. I have responded to this company disputing the validity of this debt. Also l have learned that this appears on my XXXX credit report as an open account and owing XXXX XXXX {$410.00}. The so called open debt is affecting my credit score. I am at a loss to understand how XXXX XXXX can arbitrarily attempt to ruin one 's credit rating because one of their customers decides that they no longer want to use their services
01/30/2016 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OK
  • 73521
Web
I understand that I owe money to university of XXXX. But unfortunately the past fees years have been very difficult for myself. I barely at times have enough money to pay bill 's let alone try to pay off debts. I have filed before on this matter of being threatened of being arrested to harassing phone calls to my XXXX year old father. They call five times or more. Never answwer when picked up or hang up when I answer. Now I 'm in a position that I have no work or income coming in. Yes I want this matter resolved but trying to find a job where I live is hard and being sick makes it worse. I have filed bankruptcy once and feel I my not have a choice now But to do it again. They refuse to send me any kind of document regarding this matter and have asked them to stop calling due to the fact I do not have a phone and the number that are calling is a friends phone. He is constantly having to stop at work and answer the calls. He has told them to stop and they refuse to do so.
07/13/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CT
  • 06610
Web
Hello, I requested over 3 times for proof/verification that this fraudulent/unverified account reported on my Credit report via XXXX be removed/deleted. I've submitted over 3 disputes letters to FBCS requesting proof/verification that this reported account is mine and accurate. They continuously Failed to provide proof, but I see changes made to my credit account such as increase/decrease to my score, and date changes etc. How is that? I advised them multiple times this account isn't mine. The last letter I received from FBCS ( on XX/XX/2022 ) indicates that they are looking to retrieve the funds, and to just file a police report. FBCS continues to dismiss my request, clearly have No proof, and refuses to remove/delete this fraudulent account from my credit report. This a violation of Federal Law. As Im sure you are aware, each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter end up in court.
05/04/2015 Yes
  • Consumer Loan
  • Installment loan
  • Problems when you are unable to pay
  • OR
  • XXXXX
Web Servicemember
On XXXX XXXX, I received a phone call at work with some one stating that I owe a debt. I have received nothing in the mail from this company ( XXXX ). After informing them that I have n't received any thing in writing they stated that they emailed it and it was valid. I Informed them that I require every thing by mail. I have yet to receive a debt collection notice. On XXXX XXXX XXXX called at XXXX XXXX. After informing them of the time, they said it was XXXX in XXXX. After verifying my address, I informed them that I was a legal resident of XXXX and all phone calls need to be in the timezone in which I reside, not where my cell phone number is from. I have yet to receive a letter stating that I owe a debt. They have also failed to provide me with proof that they are a licensed debt collection agency within the state of XXXX. There has been nothing changed on my credit report, and to my knowledge I do n't owe any one.
10/08/2022 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21217
Web
WHOMEVER THIS CONCERNS : I HAVE ALREADY CONTACTED YOU THE FIRST TIME AND LET YOU KNOW THAT ( XXXX XXXX ) ( ACCOUNT # : XXXX ) ( FBCS FILE # XXXX ) ( WAS AN ITEM ON MY CONSUMER CREDIT REPORT WHICH IS NO LONGER REPORTING DUE TO FRAUD AND IDENTITY THEFT, BUT RIGHT AFTER I TALKED TO YOU SAID YOU WILL NOT PURSUEXXXX ME ANYMORE CONCERNING THIS FRAUD ITEM..IN THE NEW LETTER YOU STATE TO FILE A POLICE REPORT AND FTC REPORT WHICH I HAVE ALREADY COMPLETED MONTHS AGO! !. I WILL ATTACH THESE ITEMS FOR YOU AND AFTER I SEND YOU THESE ITEMS PLEASE DO NOT CONTACT ME ANYMORE OR ATTEMPT TO TRY TO PUT THIS FRAUD ON MY CONSUMER CREDIT REPORT, IF YOU ATTEMPT TO PURSUE AND DO THIS!, NOT ONLY WILL IT BE REMOVED FROM MY CREDIT REPORT, I WILL ALSO SUE YOUR COMPANY. I REPEAT THIS IS YOUR LAST AND FINAL TIME HARASSING ME. THIS PRACTICE IS ILLEGAL ACCORDING TO THE FCRA! THANKYOU AND HAVE A NICE DAY SINCERELY XXXX XXXX XXXX XXXX
04/07/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • IL
  • 60473
Web
I paid a collection account off with XXXX XXXX credit card. Through their collection agency fbcs I was offered a settlement of {$1000.00} I paid it on XXXX through my bank. After I paid it ; I waited about a week or so. I then called fbcs regarding deleting XXXX from my credit report. I was told by a customer service rep they don't delete accounts from credit reports. They don't report to any of the 3 credit bureau, so I contacted XXXX. I was told that XXXX can't remain on my credit report if my account was sold to a collection agency. They can't do both it either or. I then contacted my bank to have the charges reversed since they wasn't going to delete the account from my credit report. I'm trying to do the right thing by paying something toward my bad debt account. I thought if the account was put in collection/ write off as bad debt they couldn't still report the account with a balance.
12/04/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • UT
  • 84081
Web
FBCS XXXX XXXX XXXX XXXX XXXX PA is saying that I owe XXXX I do not recognize the amount of the debt and asked for proof of the debt in writing. I to date have not received the proof. They are also calling my cell phone using a autodialer. I have asked them to stop and they will not. I did not give this phone number to the people i incurred the debt with. This is a violation of the TCPA which says Most recently, in 2012, the FCC revised its TCPA rules to require telemarketers ( 1 ) to obtain prior express written consent from consumers before robocalling them, ( 2 ) to no longer allow telemarketers to use an " established business relationship '' to avoid getting consent from consumers when their home phones, and ( 3 ) to require telemarketers to provide an automated, interactive " opt-out '' mechanism during each robocall so consumers can immediately tell the telemarketer to stop calling.
09/02/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33063
Web
There is a Debt Collection Agency based in XXXX, Florida. They know how to rotate their number, so the recipient like me does not recognize it is the same agency. The number rotates from XXXX ( appears XXXX ), XXXX, XXXX, XXXX, XXXX, then again XXXX, XXXX. Calling me almost daily since they just started this on XXXX/XXXX/15 during my working hours or XXXX the same day. They Claim I owe a debt with XXXX of a Card I used to own known as XXXX. Believe this is an old debt back when I was in my early XXXX, which I 'm now XXXX old. Please, please need your help to stop harrassing these calls as I know these types of agents with debt agencies get paid commission to successfully sell on a debt to be paid. My Debt is beyond the Statute of Limitations in the XXXX Florida Area. This company is based out in XXXX. Please keep me updated and desperately need your help to stop the Harassments. Thank You.
05/15/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48236
Web Older American, Servicemember
Two days ago, on XX/XX/2019, I received a letter from FBCS, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ( XXXX ) requesting a payment of {$430.00}. Their letter stated that my account had been refered to them by a medical office where I receive treatment. They stated that my failure to remit the payment would result in further collection attempts. I have verified, with the medical office named in the letter, that I do not owe, and have never owed, this amount and that they have never referred any of my information to FBCS. The medical office requested, and has received, a copy of the FBCS letter for their efforts and records. Though this FBCS company has my address and my medical office name correct, it miss spelled my last name as XXXX and does not offer the address of my medical office. If they truly had documentation from my medical office, they would have this information.
04/28/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49546
Web Servicemember
A company called FBCS inc has repeatedly called me and attempted to collect personal information from me. They state they can not share their reason for collecting this information and can not give me further information until I give them all of my personal information. I received a letter stating that they were trying to collect I debt I owed to XXXX. I contacted XXXX and they stated my account was fine ( and had even been closed for several years ) and no debts were ever owed and FBCS inc does not represent them in any way. This is obviously a scam. Several other people have commented on online reviews that they are also being harassed by this company. This is the second year in a row that they have been harassing me by phone and by federal mail. Last phone calls XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX. Letter dated XX/XX/XXXX.
09/06/2019 Yes
  • Debt collection
  • Federal student loan debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93306
Web
On XX/XX/XXXX, I received a call from someone who claimed to be a debt collector informing me that I owed {$500.00} to a school I previously attended in XX/XX/XXXX. Prior to the call I was never notified through the mail, email, or over the phone. I informed the woman on the phone that I knew this could not be correct and that I would not pay the fee until I contacted the school. Immediately after ending the call with the " debt collector '', I called my school and explained the situation, and a woman named Mrs. XXXX said she would look into the situation further and would call me back. I waited two weeks and still had heard nothing, so XX/XX/XXXX I called the school and spoke to Mrs. XXXX and was able to get the situation resolved. The same day she was able to send to me proof that I didn't owe the school the {$500.00} and that it was a mistake on their part.
11/29/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • TX
  • 75087
Web
FBCS continues to call me after I have told them numerous times to cease & desist. I have NEVER received any written communication from FBCS. Their collection agents told me they were calling concerning an account I allegedly have with XXXX Bank. I do not have an account with XXXX Bank. XXXX Bank does not appear on any of my credit reports. I have researched FBCS and was horrified to find that they are repeat offenders of reporting false, fraudulent and extremely old debt to consumer credit reports. In addition, there are MANY complaints just like mine where they refuse to stop calling and harassing consumers. Should the calls continue or should they report anything on my credit reports, I will NOT hesitate to immediately file a law suit against FBCS. I have also filed formal complaints with the XXXX, the XXXX Attorney General and the XXXX Attorney General.
10/22/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ME
  • 047XX
Web
I was contacted by a company calling themselves FBCS Inc. They made claims that I owe {$1200.00} on an account from XXXX XXXX XXXX. They also stated that it was a XXXX Credit card. I have never had a XXXX XXXX. They asked for my social security number and information that I did not want to give out. They where forceful and rude. I told them it was n't my card, and that nothing like that has ever been on my Credit history, which I check frequently. They said they would send paper work out to my address so that I could claim it as fraud. The paper work is asking for my social security number and all confidential information that I do not want to share. They could not verify any purchases made with the credit card. I did some research and found that XXXX also financed XXXX and XXXX XXXX credit cards, but again I have never had either of those cards.
01/22/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • NH
  • 038XX
Web Older American
I receive phone calls from a collection agency regarding a bill I paid off. It was an overdraft loan and through The XXXXXXXX XXXX here in XXXX, NH XXXX. This bill was paid in full by me physically going to the bank and making payment to them. My husband passed away XX/XX/2021 and I paid them off on XXXX XXXX. I do not owe the XXXX any money & I no longer do business with them. I just got a call from their collection agency last Friday XXXX XXXX. Their listed as FBCS Consumer Contact Solutions - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX, PA XXXX - toll free # XXXX. I want this corrected ASAP on my credit report etc. as I am trying to refinance our home. I need a lower mortgage payment since my husband 's passing last XXXX with XXXX. My income has been significantly decreased due to his passing. Thank you so much for any help you may provide.
02/25/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • XXXXX
Web Older American, Servicemember
THE COMPANY, COLLECTION AGENCY, NAME FBCS, INC., CONSUMER CONTACTS SOLUTION XXXX IS CALLING ME EVERY DAY, TRYING TO GET PAY FOR THE SECODN TIME OF THE SAME DEBTH THAT I WAS ALREADY PAY XXXX BUT BECAUSE I DIDNT HAVE THOSE RECORDS BECAUSE I RIDDED OF THEM BECAUSE TOO OLD, I KEEP RECORDS FOR TWO YEARS, I DECIDED TO PAY THE ARRAMGEMENT THEY GAVE ME OF XXXX THE TOTAL DEBT WAS XXXXI MADE THIS PAYMENT TO THEM ON XX/XX/XXXX OF XXXX THIS IS THE CONFIRMATION NUMBER OF THIS PAYMENT XXXX, AND THEY TOLD ME TODAY THAT THEY GON NA SEND ME A LETTER SAYING THAT I DISPUTE THIS DEBT. PLEASE HELP ME WITH THIS MATTER THANKS LIKE I REPORT THE FIRST TIME IM A XXXX ALL MY HSPITAL BLLS ALREADY PAY OFF AND COLLECTION AGENCIES ARE CALL ME AGAIN TO TRY TO MAKE ME PAY THE SAME BILLS AGAIN BECAUSE I DONT HAVE PROVETHAT I PAY THEM, FOR THE REASON THERE OLD DEBTHS
01/11/2024 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • 89102
Web
I ended my service after a five year commitment in XX/XX/XXXX. When I called XXXX to discontinue the service, I was put through a series of high pressured sales tactics for a good half hour as it was not made easy by several employees of XXXX in their billing department. I kept saying no to what they offered - a lower monthly subscription- but they would not oblige. Finally I was told I had to put in writing for my discontinuation of service to a given email. After all that, it was not good enough as I continued to receive monthly statements and phone calls from a phone calling center every day. I have now been passed to two debt collection services- XXXX XXXX XXXX XXXX XXXX - which did not respond to my letter dated XX/XX/XXXX and now FBCS. I dispute the amount I owe of {$380.00} as I continue to fight XXXX and what did to me.
10/02/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95035
Web
On XX/XX/2018 I was sent a letter from FBCS , Inc stating I had an outstanding balance of {$240.00} to XXXX XXXX XXXX XXXX and FBCS , Inc was requesting payment from me. I replied to them with my own letter disputing this charge on XX/XX/2018 because I've never had any account with XXXX XXXX XXXX XXXX, ever. I don't have a XXXX cable box. I've never signed up for their service. The debt is not mine. Then today ( XX/XX/2018 ) I received another letter stating I needed to provide additional information detailing my dispute and send documentation supporting my dispute. I've never had an account with this company! How can I provide documentation? What paper work do they want me to provide? These guys use language in their letter to try and intimidate and scare people into paying them. This is super unprofessional and insane.
12/18/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75219
Web
i received a letter from a debt collection company ( FBCS, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX ) claiming i owe {$5600.00} from an unpaid XXXX XXXX XXXX The bank who filed the claim is XXXX XXXX XXXX XXXX and the original creditor is XXXX XXXX. I called FBCS and they confirmed my social security number, name and address are correct ; however the email address on file was not. FBCS XXXX said the account was related to charges from 2017. I have never opened a XXXX XXXX XXXX so I know this is not my debt. I asked them to please report the account as fraud. The FBCS XXXXXXXX told me she would be mail me a form to complete and mail back to them. I thought I would file an official complain with your office. Please let me know what else I need to do to protect my credit card from this fraudelent debt. Thank you.
11/20/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90019
Web
I am a documented victim of identity theft with police reports, FTC report, and other legal documents. FBCS Inc is illegally trying to collect on a fraudulent account opened in my name, by the original creditor XXXX XXXX XXXX, which violates the FCRA. The account has a balance of {$2700.00} ( account ending in XXXX ). I have contacted both FBCS Inc, and the original creditor XXXX XXXX XXXX by mail and by phone numerous times, and have included my XXXX XXXX police report from XX/XX/2022 as well as other supporting identity theft legal documents. This fraudulent identity theft account need to be removed from my credit reports immediately or further legal action will be taken as I have documented each point of contact with the creditor for supporting evidence. Please see my legal documents and police report attached.
04/25/2022 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 23228
Web
There is an old credit card debt from XXXX bank supposably XXXX the amount should only be XXXX which was the actually limit back in XXXX. I lost my job and could not pay the debt back at the time. This company closed the account wrote it off and the debt collector fbcs instead of contacting me years ago they just started now in XXXX threatning me stating that they will come to my job etc. I got a letter this year XXXX for a debt thats almost 6 years old stating that its an attempt to collect. Why wait all these years especially after writing it off and never attempting years ago? I'm having a hardship with children and these people are just cruel and unprofessional. I haven't had the chance to decide what to do with the letter because im not sure whether it would make a difference on my credit at this point.
03/30/2022 Yes
  • Debt collection
  • Auto debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 94002
Web
I paid the settled debt in full but the company is giving me the run around on sending me a receipt that I can provide to the original debtor so I can have the vehicle title released. They send me to a " receipt hotline '' to leave a message and I have done so. From there they should email me or snail mail me the receipt but there seems to be a problem with the email address ( they keep misspelling it ) or I am unable to talk to someone that can give me any information at all. At this time the receipt is supposedly being re-sent because they made a mistake in the address. They are unable to tell me how long this will take and have no way to expedite the process. Date Settled XX/XX/XXXX Date Paid XX/XX/XXXX Amount Settled {$1200.00} Contacted the company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX so far
01/05/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 32780
Web
On XX/XX/XXXX, me and my late husband bought a house in XXXX, Florida. When we moved, the house came with all the kitchen appliances, that we chose at the time we close the contract. In XX/XX/XXXX, I received a communication from XXXX XXXX XXXX that I owed {$3900.00} from a loan to buy appliances at XXXX XXXX XXXX around the year XXXX. I never gave my information neither to XXXX XXXX XXXXXXXX nor any other corporation for a loan to buy appliances. The price of the house that we bought included all the appliances and as of this date the house has the same appliances as the day we moved. The House was payed in full in XX/XX/XXXX, and I did not incurred in any other debt whatsoever. At this time FBCS , Inc is the company that is contacting me with the purpose of collecting the fraudulent debt.
07/23/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43035
Web
Today ( XX/XX/19 ) XXXX called 4 time consecutively starting at XXXX, XXXX, XXXX, XXXX. I was at the post office and couldn't talk but on the 4th call I picked up thinking that it may have been the camp my daughter was at to tell me something had happned. When I picked up, they hung up. I called back and spoke to a representative and advised her that they just called my 4 times in a row and wanted to know what they needed so urgently. She said that their records showed they had only called me once today. I informed her my records show 4 times with in 2 min and I would be reporting them for harassment. She again told me they had only tried once today. Please note that somehow their system is not logging all calls dialed out. I do have records that will show the date and times they called.
12/18/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20901
Web
I was notified by XXXX XXXX, XXXX on XX/XX/2019, regarding an alleged debt. In which I responded in writing within 30 days requesting the following information : The amount of the alleged debt. The full name and mailing address of the original creditor for this alleged debt. Documentation showing you have verified that I am responsible for this debt, or a copy of any judgment. Documentation showing you are licensed to collect debts in Maryland. XXXX XXXX, XXXX never responded to my written request and continued to seek payment in XX/XX/2019. At that time I called XXXX and spoke with XXXX XXXX who confirmed that my letter was received and documented in their system. Moving forward to present day XXXX has sold the debt to FBCS , Inc who is now trying to collect on the same debt.
12/19/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MS
  • 39503
Web
On XX/XX/2023 I received a phone call from FBCS , Inc who stated XXXX XXXX sold my debt on behalf of Avant. In this recorded call the woman told me I can pay in 12 month increments to satisfy the debt. I told her I didnt know XXXX XXXX XXXX my debt since Ive received no correspondence and asked her to send me a written statement to my home address. She began yelling over the phone asking me when I was going to pay the money like I owed it to her. I again told her to send me a letter to my home verifying the debt and the offer to pay over time. She still yelled and asked when I was going to pay. I have blocked them and they better not reach out again. She was disrespectful and disgusting. Id like them to send mailed correspondence from now on with that attitude.
08/17/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 287XX
Web
This company was calling every day for the better part of a month. I can not /will not answer phone calls concerning personal debts while in an office. There have been instances of later phone calls and weekend calls as well, which is completely unprofessional and serves as harassment. Last week, I answered and immediately told them to stop calling. They continued to call XX/XX/XXXX ( XXXXXXXX XXXX ) and XX/XX/XXXX XXXX XXXX XXXX ) ; each time, I repeated my request to stop calling me. On the last occasion, I told them I was going to report them. The calls did not come in Monday or Tuesday of this week but I received one at XXXXXXXX XXXX yesterday. This company has not sent me a single piece of paperwork to identify themselves and who they are working for.
11/23/2019 Yes
  • Debt collection
  • Private student loan debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33313
Web
I received a call on Saturday, XX/XX/XXXX at XXXX XXXX from XXXX. The caller informed me he was calling from FBCS about a debt. He claimed that I owed {$1200.00} but client was willing to settle for {$250.00} from XXXX for XXXX XXXX ( private student loan ). He knew my university ( but that could be available from social media ) but had an old address. He told me his name was XXXX XXXX and to contact him at XXXX to settle this debt. I did inform him that I already paid my student loans from XXXX so I would contact the FTC as no loan from XXXX is in my credit history. Unfortunately, some of my information is on the dark web so I check my credit report for new creditors etc. frequently. I am disputing this debt and reporting the debt collector.
12/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • VA
  • 23231
Web
My XXXX XXXX case was XXXX in XX/XX/2023 ; however I am now receiving calls from debt collection agency, FBCS at number ( XXXX ) XXXX on behalf of XXXX XXXX XXXX debts that were discharged in my bankruptcy. Upon disputing the erroneous information with the credit bureaus I received a response indicating that the debt was valid becuase it was sold to another lender and presumably illegally during the bankruptcy proceedings ( see attached ). Please note that FBCS collection agency is making harassing calls to my phone multiple times a day everyday and refusing to send anything in writing solidifying their purported claim to the debt. Please advise on what needs to happen to correct these violations of my protection under the bankruptcy laws.
10/31/2016 Yes
  • Mortgage
  • Home equity loan or line of credit
  • Loan servicing, payments, escrow account
  • TN
  • 38104
Web
In XX/XX/2006 my ( now ex- ) husband and I refinanced our home. This included a XXXX mortgage/home equity line of credit. As indicated on our closing documents, this was to have a variable interest rate. The mortgage was sold XXXX times. When the XXXX lien holder took over, we were informed that we had unpaid interest of {$14000.00}. We did not understand how we could have that much interest unpaid on a 6 year loan, as we were current on the loan when the third company took over. In my investigating into this matter, I learned that the second lien holder does charge interest. We have no control over who our mortgage gets sold to ( we 're now on our XXXX lien holder ), but we do expect the interest to be applied like it 's supposed to be.
09/27/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 936XX
Web
Around XXXX of 2013, When i was pregnant and still a tourist in this country a doctors office that was supposed to do a ultrasound on my belly. My husband at the time was the financial responsible for everything and yet i still got charged hundreds of dollars for something not executed. Fast forward, 7 years later im sill being accused to own {$710.00} for that clinic. The collector refused to provide me the proof of the paperwork for that XXXX XXXX and failured to pursuit my ex husband and as in today i noticed my credit report got affected with that {$710.00} 7years old ultrasound. I lost 46 points and it feels like after 7years they should not be harassing me anymore. Im trying to find a way to report this collector/ clinic
07/16/2023 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30253
Web
As I have NO Contract with you, you threatened me by mail and if you precede any further I will see you in Court under CHARGES OF Mail Frauds and Threats. As of XX/XX/XXXX I have presented a Credit Set-Off Settlement to the " XXXX ACCT XXXX XXXX '' for the Full Billing Amount, along with an IRS 1099A in full compliance with the Commercial Banking Laws of XXXX. They have 3 days to comply. If they do not settle I will see them ; not you in Court and it will be under the attached Document and mail fraud charges. Furthermore if by any chance you place fraud on my credit reports remove asap, I am a SECURED PARTY CREDITOR that will report your company and said owner and workers to credit bureaus and sue for damages with a lien.
03/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • GA
  • 30281
Web
An account was opened with XXXX using my personal information. I have followed all of their requests, forwarded the police report for ID theft to their investigations team, and then a year later collection efforts began again, I contacted XXXX, who advised they provided me the wrong district for the investigation last year, and I needed to submit again to the XXXX district. I have sent the info again, and the phone number is only a message that promises a call in 72 hours, but no one ever calls. Their collection agency advises they continue to report to my credit bureaus until XXXX contacts them. this is impacting my ability to finance a car. the phone number to comcast is XXXX, fax is XXXX collection agency is XXXX.
04/26/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60046
Web
Received a l etter from FBCS Services s tating that I owed {$290.00} from XXXX XXXX XXXX . The letter states that my last payment was XXXX / XXXX / 2013 . The information they gave me states that it was coming from XXXX XXXX . I contacted XXXX and they have no record no past due collections from me which I already suspected since, I do not go to XXXX for my XXXX providers. The collector could not give me any other information. There is no record of this bill even being on my credit report. I asked them to send me documentation but they said originally all they had was the hospital name. I believe 100 % is this a scam. This is the first letter I have ever received from them and I do not owe nothing.
02/03/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77049
Web
I did not receive any communication of this debt and if it was a true debt, did not receive the opportunity to resolve the matter. I never once receive a letter/bill to reflect what this is for. I only found out as it was reported on my credit report as a 'collection '' on XXXX XXXX. When I called FBCS on XXXX/XXXX/XXXX, I was told it was for services provided on XXXX/XXXX/XXXX. I called XXXX, which was my insurance provider at the time, and they do not show any claims submitted for that date or even for a range that they searched for. I asked FBCS to send me 'proof ' to see what this medical bill was for and they have not sent me anything and keep telling to just pay off the account without justifying the charges.
05/25/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 08109
Web
Someone stole my identity and opened XXXX account in my name in XXXX XXXX XXXX I live in XXXX XXXX never in XXXX. XXXX sent this to XXXX XXXX collection agency. I along with my credit protection agency XXXX XXXX XXXX XXXX disputed this to XXXX with their fraud package. Police report and all evidence sent to them and credit agencies. I've also disputed and had the XXXX XXXX address taken off my credit report and have a credit freeze in place for 7 years. XXXX has now sent the collection even after being proven it was invalid account to XXXX XXXX XXXX XXXX as if they think i'm just going to pay it this time. XXXX is horrible if you try to call them and hold for 25 minutes they hang up on you I am so mad at them
04/02/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33312
Web
XXXX is trying to collect on a debt that is time barred and more than twenty years old I have never made payments on this debt and I never will this is stolen credit card I have already been to Civil court with the original creditor XXXX and met with them and a mediation attorney the case was closed back then I believe XXXX XXXX XXXX was collecting for them and this was in XXXX I do not want XXXX to contact me any more I have disputed this debt again in XXXX and every now and then they find me and send me another letter asking for payment on a debt that isn't mine the last letter was sent to my new address the letter is dated XX/XX/XXXX this is rediculous and they need to stop this once and for all
10/25/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Difficulty submitting a dispute or getting information about a dispute over the phone
  • AR
  • 72701
Web
I have an account with XXXX XXXX XXXX. They have reported to credit bureaus that I do not pay my balance and give incorrect statements. They have done this the last two months. I was able to dispute it and have it resolved in about a week with XXXX XXXX. This month the added a derogatory remark to my credit report which made it drop a significant 85 points. I called them the next day. They said they would fix it the following day. It has not been repaired. I am now being declined access to finance which is not my fault. I would like to take legal action against them if it is not repaired soon. They have ruined my credit. I have never made a minimum payments. I pay my balance in full.
05/16/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 88011
Web
FBCS, ( phone number XXXX XXXX ) contacted me today stating that they were collecting for XXXX, but did not give me the account number associated on my credit report, ( as it was not listed, and is required for collections ) and asked if my name was something else, which is was prior about XXXX years ago before my marriage. The debt has far surpassed the statute of limitations. I told them not to contact me again, and to stay out of my credit reports. I will be checking to see if they are attempting to steal my credit also by using this identifying tactic. I suspect that someone at my prior residence in XXXX XXXX XXXX is pulling this fiasco and is associated with criminal activity.
01/20/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 30260
Web Older American, Servicemember
I went to XXXX County Court XX/XX/XXXX over this matter. XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, GA XXXX and XXXX, XXXX XXXX , PA XXXX, are still trying to collect a debt that is not mine. FBCS # XXXX, {$20000.00} ( XXXX XXXX ). This card and others was paid by a loan taken out XX/XX/XXXX over 15years. This loan is now paid off. I was sent a letter by XXXX XX/XX/XXXX that my personal information was hacked from their office. I received a letter from Secretary of Veterans Affairs dated XX/XX/XXXX my identity was stolen ( retired XXXX XXXX ). XX/XX/XXXX, US Department of Justice filed charges aganist defendant XXXX XXXX for tax fraud against myself and others XX/XX/XXXX.
04/03/2017 Yes
  • Debt collection
  • Non-federal student loan
  • False statements or representation
  • Attempted to collect wrong amount
  • VA
  • 225XX
Web Older American, Servicemember
I contacted this debt collector concerning a debt reported by credit reporting service. I asked them to send me documentation showing the original creditor stating the true and accurate final amount of debt owed to the original creditor and stating this debt collector was given the right to collect the final amount of debt owed to the original creditor. I was told they can not respond in writing to me. I sent them an affidavit requesting them to provide the documentation and that the FDCP mandates they respond within 30 days. This debt collector did not send me any documentation nor responded to me at all. I consider this to be a case of fraud and extortion.
12/02/2022 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • PA
  • 194XX
Web
I have contacted XXXXXXXX XXXX about account they are reporting as a chargeoff on my credit file but they said they dont have the account and referred me to XXXX XXXX XXXX XXXX XXXX tells me they dont have the account and I should contact FBCS. I contacted FBCS and they dont have the account and referred me back to XXXXXXXX XXXX who still insist they dont have the account. This missing account is reporting monthly as a charge off and no one can provide me any information on the file. I am trying to get a mortgage and this account is preventing me from doing so. I have been getting the run around from all three companies on this account since XX/XX/XXXX XXXX XXXX
10/10/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • MS
  • XXXXX
Web Servicemember
I was contacted by a company saying they are representing XXXX XXXX I have never gotten a bill from this company they still want to call me with no verification of debt no paper work just harassing calls for money with no verification of debt they are collecting. The company was told to stop calling they continue to call knowing they have been advised to stop calling this is harassment and not business you have never sent verification of debt nor proofing who you are that you have a right to call you have been told on numerous occasions to stop calling but yet you continue to call and state you will call again when you were advised to stop.
09/01/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 18976
Web Older American
I contact the collection agency by their email address and have not received any response, Please see below my dispute to FBCS , Inc : Ref No : Ref : XXXX " To Whom it may concern, This is Not my debt. I have never even heard of " XXXX XXXXXXXX XXXX '' Nor ever had an account with them! I am very upset that you even sent a Collections letter to a XXXX XXXX, such as myself, and I am reporting your agency to the FTC at XXXX. unit. I am also sending a copy of your letter to my Attorney to see what recourse I have against the harassment and false accusations against me. Regards, XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Date : XX/XX/2022 ''
12/21/2015 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • ID
  • 83607
Web
I received a letter informing me that I have a collection of {$4200.00}. That they are a third party trying to collet this debt. They have all of my information correct. The debt is to a XXXX account that was opened in XXXX. I live in XXXX Idaho, the only XXXX that was here was opened in XXXX, then it closed within a year. I have never had a XXXX account. I have even contact XXXX and asked if an account was opened in my name or social security. Nothing came up, I was told that there has never been an account opened with my name or social security. I have even done a credit report and nothing shows up that I have had or have a XXXX account.
09/21/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • GA
  • 310XX
Web
For a collection account with XXXX XXXX XXXXXXXX, I paid FBCS Consumer Contact Solutions {$770.00} on XX/XX/2023. As a result, I received a file number of XXXX and a confirmation number of XXXX. XXXX XXXX, who works for FBCS, firmly stated that I would not receive any other numbers than those mentioned above. The woman refused to provide me with a written confirmation that this account was paid in full since I am refinancing my home. When I asked if there was anyone in the company who spoke XXXX, she replied that no one spoke it. It is causing me hardship as I have paid my collection account in full and this person refuses to update it.
03/01/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Investigation took more than 30 days
  • CO
  • 81301
Web Older American, Servicemember
XX/XX/2018 and XX/XX/2018 letter submitting source documents ( postage for return on merchandise ). XXXX cards reversed the credit to my account despite proof that merch was returned. Since that time the " receivable '' has been sold at least XXXX times to collection agents. When I ask for source documents to prove that I owe the money, they sell the receivable to another collection company. Every time I get the dispute removed from my credit report, the receivable is sold and it reappears reducing my perfect credit to XXXX. It is the only credit blemish that I have and it reappears not matter what I do to remedy the dispute.
04/08/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30066
Web
I HAVE RECEIVED MULTIPLE PHONE CALLS TO MY CELL FROM # XXXX WITH NO VOICE MAIL BEING LEFT BY THE CALLER. FROM MY SIMPLE ONLINE SEARCH I HAVE FOUND THE COMPANY FBCS ( Federal Bond & Collection Service ) TO BE THE LEADING CULPRIT. I CALLED THE NUMBER BACK AND HEARD A PRERECORDED MESSAGE ABOUT AN ATTEMPT TO COLLECT A DEBT, HOWEVER, MY MOST CURRENT CREDIT REPORT SHOWS NO DELINQUENT ACCOUNTS. THE MESSAGE OFFERS TO ACCEPT AN OVER THE PHONE ACCOUNT PAYMENT OR YOU CAN SPEAK TO A REPRESENTATIVE. I KNOW THAT YOU SHOULD NOT RESPOND TO SO CALLED ROBOCALLERS AS IT MAY MAKE MATTERS WORSE. PLEASE INVESTIGATE THIS HABITUAL HARASSING BEHAVIOR
01/27/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90034
Web Older American
After repeated attempts to collect a false debt by phone, I was sent a collection letter dated XXXX XXXX, 2016. The letter was addressed to XXXX XXXX. There is no such person at our home address. The debt is for a cable bill incurred with XXXX XXXX XXXX. There has never been a XXXX XXXX account at our address. The cable provider for this address is XXXX XXXX XXXX. The collection bill from FBCS is the latest in a series of demands for payment previously made by phone which extend over a year. I have repeatedly informed the collection agents there is no such person at this address and no connection with the cable company.
04/25/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 23228
Web
I paid a third party collection agency for a debt that still was not verified as accurate to be paid. The University of XXXX sold debt to XXXX XXXX XXXX. I settled the debt with them XX/XX/XXXX in which I made payments on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to cover the settled amount XXXX in three payments XXXX. Well I received another collection letter in the mail from a new debt collector for the same balance offering to settle for XXXX. I explained to the other creditor that I have already paid the debt to a different company they stated they received the file this year XX/XX/XXXX from the University of XXXX
08/20/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 29407
Web
I received correspondence from FBCS Inc., a collection company, for an old debt and they said that they were collecting for XXXX XXXX XXXX XXXX. The amount is $XXXX, which is ridiculous, for XXXX XXXX. They say that the settlement amount is $XXXX and now this is reporting on my credit report TWICE! I want FBCS (XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX) and XXXX XXXX XXXX XXXX sanctioned and I want this item REMOVED from my credit report. They are using debt collection actions that run afoul of the debt collection rules and regulations and this is a very old account and it should not be reporting TWICE!
04/23/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90815
Web
FBCS continues to call about a debt that has nothing to do with our household. We have repeatedly told them they have the wrong person but they continue to call every few weeks/months. We have verified that the person, address and phone doesnt belong to the person they are looking for, They get incredibly rude when you inform them. I stated 7 times on recording today how can I help you, to which they only want yes no answers. In todays scam market, you cant answer yes as they will use this to sign you up for scams. Very unprofessional and would like the harassment of calls for someone elses debt to stop!
08/10/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19464
Web
Put out of business and into jail for harrasments, threats, calls all hours and day and night, not our debt, holidays, terrorists, etc. The collection agency is FBSC Collection Agency/Financial Business and Consumer Solutions/XXXX. Also under names of XXXX or FBCS or XXXX or XXXX or XXXX or XXXX. Website is XXXX. Always changing their address and hiding their real names to avoid the law and prosecutions. Located in XXXX PA and MD and XXXX XXXX XXXX NJ at XXXX or XXXX or XXXX or XXXX or XXXX always harrassments day or nite or holidays and threats and more. Put out of business and into jail NOW!!
06/11/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34116
Web
I have insurance, the insurance company said the hospital messed something up and that I was not responsible for the bill. They also said the hospital needs to figure it out. I explained this to the hospital and they said ok. Then I started getting the debt collector calls, I have asked them to stop calling and explained the conversation I had with the hospital. They start getting angry and loud saying you owe this money, etc. today after telling them to stop calling they kept talking until after the XXXX time me telling them to stop calling and that 's when they said goodbye and hung up.
03/09/2023 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77449
Web Older American, Servicemember
I had an account with XXXX XXXX XXXX explained to them the furniture was lost during Hurricane Harvey due to knee deep water in the house. The amount owed {$2500.00}, was written off in 2017. Now I receive calls from FBCS , Inc. ( collection agency ) telling me they bought the debt. Somehow they're reporting to credit bureaus the account is reopened & closed again. I get alerts informing me of this. I contacted XXXX & the Attorney General in TX about these unethical practices. I'm enclosing the email sent to me & the letter from the Attorney Generals ' office in response to my complaint.
09/21/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • TX
  • 79407
Web
FBCS INC HAS BEEN WITHDRAWING MONEY FROM MY CHECKING ACCOUNT IN THE AMOUNT OF XXXX DOLLARS PER MONTH. THIS DEBT WAS INCLUDED IN CHAPTER XXXX BANKRUPTCY. FBCS INC COLLECTION AGENCY HAS NO WRITTEN AUTHORIZATION FROM ME TO WITHDRAW ANY MONEY FROM MY CHECKING ACCOUNT FROM XXXX. SINCE FBCS INC HAS NO WRITTEN AUTHORIZATION FROM ME TO DO SO AND NEVER DID GET ANY FORM OF AUTHORIZATION THEY NEED TO CEASE ANY FURTHER COLLECTION FROM MY CHECKING ACCOUNT. THEY NEED TO UPDATE THEIR RECORDS TO SHOW DISCHARGED IN CHAPTER XXXX BANKRUPTCY AND PAY ME BACK FOR ANY MONEY THAT HAS BEEN WITHDRAWN FROM ME.
05/30/2018 Yes
  • Debt collection
  • Auto debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • MI
  • 48911
Web
I never received correspondence from XXXX XXXX after the repossession of the vehicle on how to get the car back before it was sold at an auction. I was never given proper chance to get the vehicle back in my possession. It took over two months to retrieve my belongings that were in the vehicle. I then later start receiving calls about the balance of vehicle, which were different amounts. Then I receive correspondence from FBCS , Inc sent a letter stating a {$5300.00} was owed on the vehicle, but is XXXX XXXX reporting to CB that over $ 8k is still owed on account.
06/29/2020 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • KY
  • 40211
Web
I recieved a call on XXXX XXXX from a company called fbcs about a bill from XXXX hospital from about XX/XX/XXXX I know i paid this but given the age of debt i now longer have access to insurance claim or fsa records to support my claim this is the third collection agency I have been sent to XXXX XXXX complaint # XXXX and XXXX XXXX XXXX XXXX i have not been sent anything in the mail to will not send me a way to dispute I found it strange that they gave me a address that I had not lived at since XXXX when at the date of service in XXXX I lived at another address
03/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 15221
Web
I enrolled in the University XXXX XXXX in 2010. They offered a one week trial and if you cancel within the first week you did not have a charge. I attended online and I canceled the program on Friday of the first week by calling the sales person for the University XXXX XXXX. As such, I do not owe them any money. They have now been reporting this bogus tradeline on my credit report and now my employer is giving me a hard time for this {$290.00} debt. They are wrong, their own records will show that I did cancel and did not go back online after the first week.
02/20/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 305XX
Web
Received a letter from FBCS , INC that I owe them XXXX for a dental debt. Called the dentist office was told they never use this company and my debt was paid in full in XX/XX/2018. Called the collection company spoke with XXXX XXXX, she informed me that my dental office hired them to collect this debt. Wanted a receipt showing I paid this in full. Called back to dental office I was advised to send them nothing as my dental office did not hire them, and does not know how they got this information and the account number on this letter is not even mine.
09/23/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • KY
  • 40356
Web
" Fbcs '' a financial services company. They call and ask if I'm XXXX, I say yes then they tell me my address and last 4 of my social and ask me again if I am myself. My complaint is them giving out my address and social to anyone who says yes. I get 50 calls a day asking if I'm XXXX XXXX or XXXX XXXX or XXXX XXXX and all I have to do is say yes, now I have this person 's full name, address and the last 4 of their social??? They're giving criminals a free identity to steal by doing this. This feels like a very wrong and imoral bullying tactic to me.
09/29/2017 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 44720
Web
I received 15 consecutive calls between XXXX and XXXX this afternoon ( XX/XX/XXXX ) from XXXX. On Tuesday, XX/XX/XXXX, they called three times at XXXX XXXX. I have XXXX the number, researched it on a number of sites, and found that it is a medical debt collector. They did not leave a message on my voicemail. I have screenshots from my phone to document the calls, and can easily obtain records from XXXX XXXX, my cell phone provider. I have 18 calls this week. This is blatant harassment, and I should be financially compensated for this abuse.
07/14/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 337XX
Web
FBCS keeps calling daily, sometimes multiple times a day. They call from multiple different numbers. This began months ago. I once took the call and as soon as they mentioned a debt collection, I interrupted that I do not own a debt to anyone, I have no written documentation I own a debt and no debt collection show on my credit report, so I thought it was a scam. And yet they repeatedly and repeatedly keep calling. No voice mail has ever been left from FBCS, from what I can recall. They have been calling for several months.
02/15/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19438
Web
Was contacted on my cellphone from a company FBCS : FBCS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Pennsylvania XXXX Web Address : www.fbcs-inc.com Left a voicemail initially, saying that I had to re-pay a debt. Called the return number ( XXXX ) and person on opposite end asked for my tel #. Upon providing, he mentioned that the debt was for someone else and not me, and that my name will be removed. I want to make certain that my name is removed, and I want to understand how my name was on this list in the 1st place.
04/02/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CO
  • 80012
Web Servicemember
I have told this collector identified as XXXX or XXXX. The number appears as local to Colorado. I spent 45 minutes updating my address. Asking for a settlement offer for 10 year old medical bill. This bill has already been written off per my credit report. Each rep that calls gives my old address. Five years old. They never have sent the settlement in writing as requested. Probably due to the wrong address. I now have a new medical diagnosis. Daily treatment is required. I do not want to be contact by these people any longer.
06/08/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • OH
  • 44281
Web Older American
XXXX XXXX XXXX XXXX XXXX XXXXXXXX, also known as XXXX XXXX, hired several collection agencies to collect a debt of {$740.00}. This debt shows a XXXX balance on their website as of XX/XX/23. I have written to the credit bureaus and filed a dispute. One of the collection agencies immediately removed the debt. A NEW collection agency has contacted me " FBCS , INC, ATTEMPTING TO COLLECT THE DEBT. This has affected my credit bureau score, reducing it from XXXX to XXXX! I would sincerely appreciate your assistance! XXXX XXXX.
11/15/2017 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28806
Web
Debt has been paid, and original creditor has no recollection of ever using FBCS. The debt is for an emergency room visit on XX/XX/XXXX. The emergency room has confirmed today, XX/XX/XXXX, that the debt was paid by my insurance company in XX/XX/XXXX. The debt of {$1300.00} was apparently sold to XXXX in XX/XX/XXXX. They have been calling me repeatedly since then. One such phone call, on XX/XX/XXXX at XXXX XXXX, was with a woman who rudely told me that this will continue to haunt my debt and angrily hung up on me.
09/21/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60178
Web Servicemember
I keep getting calls from numerous numbers that my phone identifies as FBCS. I XXXX it and it led me to the website : XXXX XXXX XXXX The calls are several times a week. Some weeks it is every single day. They never leave a voicemail. I have never been contacted by email or regular mail so I have no idea what this could be in reference to. I do not wish to contact them and give my personal information to them. I have included screenshots of my phone of the missed calls. These are only the calls I have not deleted.
01/16/2020 Yes
  • Debt collection
  • Auto debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • SC
  • 294XX
Web
I spoken with them several times in a year. An in XXXX they informed me yes they sold my information to a third party without my knowledge. Also, I told them that I dont owe them anything because my car was paid off by insurance XXXX an XXXX an they said no. I also informed them that constantly calling me an telling me that my credit score would be damage was inappropriate. But on my credit they written several negative things. An I didnt give XXXX XXXX XXXX no authority to sell my information to FBCS , INC.
06/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37042
Web Servicemember
I sent a letter in the mail on XXXX XXXX 2023 to XXXX XXXX Notice received XX/XX/2023 from XXXX XXXX Notice. I didn't get any response back for debt validation or verification that the debt belonged to me instead the collection company raised the amount balance on the credit report. XXXX XXXX has failed to respond back to me for more than XXXX calendar days. I have requested that the collection report on my credit report remove imminently. Note : Please see the attachment letter that was sent to XXXX XXXX.
10/13/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37075
Web
I changed my address and had XXXX transfer to new address. It is a free service the offer but somehow they made a mistake and had my cancelling service hence charging me a XXXX dollar early termination fee. I have contacted them 20 times as well as speaking to their corporate office in Pennsylvania with XXXX. I have been assured for months they would fix and never did. Now it is in collections with a company called Financial Business And Consumer Solutions . Please Help! Thanks for your time, XXXX XXXX
03/05/2021 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • CA
  • 92683
Web
FBCS collection company sent me a collection notice and claim i owe {$810.00} to XXXX XXXX XXXX. I was able to get them both on the phone and verified that i do not owe any money to them and they never had a patient with my name. I sent letter to FBCS asking for a bill and so far they refused to produce verification of the debt. In the mean time im sick and tired of the letter and phone calls. please have them stop and produce proof. They are obviously breaking the law and harrassing me and my family.
06/17/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92107
Web
I am receiving repeated phone calls from a company called FBCS Inc. who is calling me from XXXX different phone numbers who have been calling me repeatedly. I have received and have record of XXXX calls since XXXX XXXX, 2016. I have answered the calls and no-one is there and the phone hangs up. I have called back and the recording identifies the caller as FBCS Inc. which is some kind of debt collector. I do not have any debt and feel these calls are harassing as they are calling my business phone.
11/01/2016 Yes
  • Credit card
  • Delinquent account
  • FL
  • 33572
Web Servicemember
A company called FBCS is trying to collect on a debt from 10 years ago on behalf of XXXX XXXX. A debt that no longer exists. I have double checked my credit report and this debt is non-existent. I explained this to them today and claim they will " remove '' the account. We will see. They have called numerous times, but I gave them the run around until I could verify it was a legitimate company and not just a scam. Surprisingly it is a legitimate company trying to collect an illegitimate debt.
02/14/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CA
  • 92056
Web
I received a bill in the amount of {$1400.00} from XXXX XXXX. I left XXXX XXXX and closed my accounts with them back in 2018. Im not sure why in receiving a bill 3 years later. I have been paying off my credit card with XXXX XXXX since then which is in collections. I do not recall or understand why Im receiving this. I already owe XXXX XXXX over {$4000.00}. Now this? Im sorry but they combined everything I owed them into one amount and Ive been paying since. This is wrong and incorrect.
05/21/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 76502
Web
I received a phone call a few weeks ago concerning a debt owed to XXXX XXXXXXXX XXXX for XXXX XXXX XXXX XXXX. I am not familiar with nor have O ever heard of either one of these entities. I asked the representative to send me something in writing. The correspondence that I received states that I owe {$4900.00}. I have no knowledge of this debt and have never heard of XXXX XXXX XXXX or XXXX XXXX XXXX XXXX. There is a further reference about a XXXX XXXX XXXX, I don't know of them either.
07/26/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23228
Web Servicemember
A company named XXXX keeps calling my phone and hanging up. XXXX XXXX XXXX XXXX After receiving 5-6 phone calls from them in a row, I called back. They claim to be collecting a debt for my wife, but they have no documentation, I see nothing on her credit report ... Any attempt to get them to prove she owes the debt are met with threats of lawsuits. We just bought a house, we have no collection, no judgements. I am tired of being harassed for a debt I do not owe.
08/10/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37920
Web
I get phone calls daily from a debt collection company with a robocaller to my cell phone. When I pickup and say hello I never get anyone on the phone. When I called the number back on XXXX/XXXX/2016 I spoke to a guy wanting to verify a debt. I told him to send me the claim of the debt via postal service and to stop calling my phone. They have not complied with this and continue to call me daily. They are calling from several phone numbers : XXXX, XXXX, XXXX, and XXXX.
05/15/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30038
Web
On XX/XX/2020, I received a written document from XX/XX/XXXX about a debt that, I do not owe and the letter falsely stated that the amount that, The amount that is owed to them is XXXX ( Dollars )., and that a company called XXXX, Is the original creditor. I have never heard of XXXX. This company is in violation of CFPB laws and should be reported to the Federal Trade Commission for failure to inform me on their document about my rights to dispute their false claims.
10/17/2023 No
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • IN
  • 462XX
Web
Hello I am trying to resolve a problem with a debt agency, for the past 2 months Ive continually and consistently asked the company I owe, the debt collector, and the parent company of the debt agency to get answers but have not gotten any correspondence from anybody. I never received an original bill only that I owed debt. I am stumped and need help, this is not only unfair but unprofessional from all companies involved. Please contact me as soon as possible
04/03/2023 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • DC
  • 20001
Web
FBCS Inc has repeatedly sent letters to a home that I do not live at nor has ever lived at. My father and his girlfriend live there and have now received two letters addressed to me. Ive emailed the company three times via their compliance email to ask them for more details as I do not have access to the letters and would prefer communication via email. Ive never received a phone call, email or mail at my home address so have no idea what this is about.
04/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • FL
  • 33610
Web
The collection rep advised I was able to take apart of a payment method via Credit card, when I called back to make the payment with the same payment method i was advised I could. The rep advised he never said I could make the payment with that method. I was unable to make the payment. I have requested to pay off and or get it dismissed due to their negligence**they did n't threatened to take legal action but the option I needed was not listed
05/09/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Called outside of 8am-9pm
  • CA
  • XXXXX
Web
On XXXX/XXXX/2016, I was phoned at XXXX by FBCS Consumer Contact Solutions, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX. FBCS is XXXX This call was not only in violation of the Federal Fair Debt Collections Practices Act, but as a California Resident, it was also in violation of California 's XXXX My carrier is XXXX, and I would be happy to supply the phone record of the incoming call at XXXX XXXX from phone number XXXX to my phone number.
12/19/2019 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • AZ
  • 85006
Web
Since about XX/XX/2011, I am still waiting on wages owed to me. Over the past eight years, I've attempted to make partial payments on my balances owed approximately {$1000.00}. I believe I appreciate FBCS, Inc. originally XXXX accepting about {$35.00} a month during this time. However, I am concerned about damage to my credit score in order to qualify for a home. I am still collecting unemployment and now I am starting school next year.
04/09/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48114
Web
XXXX XXXX XXXX - XX/XX/XXXX XXXX Salesperson misrepresented information, saying it was 30 day trial and could cancelled any time without penalty and also failed to disclose terms with respect to cancellation. When called over phone to cancel, was told it was only 3 day trial. XX/XX/XXXX Notice of Cancellation email was sent to XXXX XXXX XX/XX/XXXX XXXX Removal of equipment XX/XX/XXXX FBCS Debt Collecton mailed stating I owe {$1600.00}
07/29/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30012
Web Servicemember
On XXXX/XXXX/17, I received notification from XXXX that a debt from a collection company by the name of FINANCIAL BUSINESS AND CONSUMER SOLUTION was verified as accurate. I have never heard of or entered into any agreement or contract with this company. I am requesting written proof of any debt that I have with this company. I am requesting the name, address, phone number, and a signed contract that validates this erroneous debt.
08/09/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77433
Web
I had received a phone call in XX/XX/XXXX regarding debt with XXXX from FBCS Inc. I told them I did not have an account with XXXX and then received a letter in the mail from XX/XX/XXXX. The letter states I owe XXXX to XXXX. I lived in a rent house and the landlord/property owner had an account with XXXX for our home security. This was not my account, I did not agree to a contract and have never made a payment for this service.
10/26/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TN
  • 38134
Web
I keeping asking them what this regarding. They start yelling being very disrespectful. I ask them to stop calling me and to remove my number. There respond is they can't until I provide them my personal information. I refused to provided them with any of my personal information to due I am a victim of having my identity stolen. They kept being very disrespectful and I ended the call. XX/XX/XXXX - Twice XX/XX/XXXX - Twice
11/04/2021 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • TX
  • 77396
Web
XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021. XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021 XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021, XX/XX/2021 the calls are always at least 3xs per day and from XXXX. I've attempted to set up a payment with them but I'm not working so I couldn't and after that told them to please not call anymore they continue to call and harass me constantly
10/28/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • VA
  • 22206
Web Servicemember
I have received numerous collection attempts since XX/XX/2013, of a medical bill by FBCS , Inc. that doesn't belong to me. When I asked FBCS , Inc. to validate this debt, they go silent for several years and then resend statements demanding payment for the same unvalidated medical bill. I have reached out to the original creditor ( XXXX XXXX ) listed on the statement and they can not validate this medical bill either.
04/27/2021 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted you after you asked them to stop
  • TX
  • 76039
Web
Keep receiving multiple harassing statements at a time from FBCS representing XXXX. It indicates XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I don't owe or have any knowledge of this debt. Phone number listed XXXX. I had prior phone calls from a male impersonating a lawyer. Said he will find my closest family member or serve me at my job. He called two days in a row and both times I asked him not to contact me again.
08/21/2016 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • GA
  • 30512
Web Older American, Servicemember
An old debt of 16 years that was settled and resolved with statements that it is no longer there. A new collection company bought a batch of old, old debts from XXXX XXXX XXXX and XXXX XXXX XXXX XXXX after my reporting XXXX. This debt is no longer owed as I settled it 16 years ago. XXXX years old and debt is not owed. Do not know this company nor any new ones that they keep trying to sell old materials to.
04/19/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32548
Web Servicemember
This company called me without sending a letter regarding a debt from XXXX XXXX XXXX or FBCS and I have never made any transactions or business with this company. Therefore, I request that this company stop and cease all communication methods with me. Additionally, I request you to delete this account from your company and that you remove from XXXX, XXXX and XXXX if you reported this account to them.
10/13/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 750XX
Web
XXXX is attempting to collect a debt. They call me during work hours and I have told them XXXX orally that I am in a HIPAA controlled environment and I am not allowed to take calls not pertaining to work. I have on three occasions told them a proper time to contact me is during my lunch at XXXX. They have never attempted to contact me during that time and continue to call outside of that time.
10/06/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • OH
  • 435XX
Web
Received a letter on XX/XX/18 from FBCS , Inc trying to collect on an old debt that is past the statute of limitations in the state of Ohio and is no longer on my credit report. They say that I owe I owe {$1800.00} to XXXX XXXX XXXX and then XXXX XXXX, and now this bottom feeder collector has now bought the old debt. They even gave me the option of paying only {$550.00} to settle the debt ...
03/16/2022 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 44121
Web
I have not received a contract with my agreement to this. When was it generated, if ever? Also, I'm seeking possible litigation as I have not been supplied proof per doctrine of estoppel by silence. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. I presume no evidence of the Alleged Debt therefore exists. This account remains on my credit file but needs to be removed at once. Regards,
11/11/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30315
Web
On or about XX/XX/2018 I received a letter from FBCS , Inc stating I owed a debt to XXXX, after sending them a letter to request verification of the debt around the first week in XXXX I recieved a reply letter and a copy of a bill, Nothing verifying my identity or anything much except a bill and my name isn't even correct on it nor is the address and both letters have 2 different amounts
12/22/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77047
Web
There is an account on my credit report listed as Federal Bond and Collection stating it was opened in XXXX 2015 in the amount of {$2500.00} but the current balance owed is {$4600.00}. This is a fraudulent collection as I did not open any accounts or loans around that time and in those amounts. There needs to be documentation produced to prove this collection is valid and belongs to me.
06/24/2017 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 60626
Web
I received a letter from FBCS Services dated XXXX XXXX XXXX attempting to collect a {$250.00} debt on behalf of XXXX XXXX XXXX. Not only have I never done business with XXXX XXXX XXXX in my life, but the letter is addressed to my middle name. I have not contacted FBCS Services, because this debt collection attempt is fraudulent, and I do not want to them to have my contact information.
10/30/2022 No
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • IL
  • 60506
Web
I went into collections in 2017 over this with XXXX. Different debt collecting companies keep transferring the accounts and harassing me when I can not pay of this debt. I have told them many times to not contact me anymore as this debt will fall off my account in a few more years and to stop making it look like this is a new account everytime a new debt collector buys this account.
05/18/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • NC
  • 28273
Web
Got letter from FBCS that was dated XX/XX/21 stating I owed {$290.00} to XXXX XXXX. I called my dentist and they said I have no account balance with them. I called FBCS and tod them I spoke with the creditor listed on the letter and I have no balance and all she said was ok and did I wan na make arrangements to pay? This is lowering my credit score for a debt I don't have or owe.
03/13/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • OR
  • 97202
Web Servicemember
FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. They are sending out letters to people
05/18/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33193
Web
I just got a letter from FBCS , Inc. They are stating that I owe an amount of {$460.00}. The truth is I never had been anesthetized. I am tire of these people reaping off. I pay all my debts and I am a very responsible human being. Please help me stop these. They state in the letter that if I don't answer within they will assume the debt is mine. I hope you can help. Thank you.
10/30/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • XXXXX
Web
I received a letter from FCBS, Inc, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, PA XXXX, Ref # XXXX, requesting that I dispute an assumed debt of {$2300.00}. I responded to them within the 30 days limit timeframe with a debt validation request letter. To this date they have not responded, but the assumed debt continue to shows up on my credit report as a derogatory item.
06/23/2023 Yes
  • Debt collection
  • Medical debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • KY
  • 403XX
Web
They called and gave information about the debt without properly verifying they were speaking with the correct person. I told them I knew they were supposed to verify they were speaking with the correct correct person. She said that is not their policies and procedures. I told her it is a law and she hung up on me. The call was made on XX/XX/23 at XXXX
01/15/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MS
  • 394XX
Web
rcvd notice from a debt collection agency ( FBCS , Inc ) that I owed {$490.00} to XXXX XXXX XXXX. I have never rcvd anything from XXXX nor have I ever had service with XXXX. I called the collection agency and it seems that someone in another town has opened a XXXX account with my name and SSN.. Now i am having to prove to XXXX that this is not me!
04/18/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 95350
Web
I CAME TO A SETTLEMENT AGREEMENT WITH FBCS INC ON XXXX XXXX 2015 FOR THE AMOUNT OF {$320.00} and they have sent me an outstanding balance letter of {$210.00} stating I still owe them money. The conversation was recorded on their end and also recorded on my end. I would like this resolved to show I have a {$0.00} balance as agreed to on the phone.
03/26/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30233
Web
Repeated calls everyday, leaving no message as to their business matter or any message whatsoever ; they hangup. When I have answered calls the call is either : disconnected or routed to an automated service with no ability to speak with someone. I owe no debt other than Student Loans and their calls are stress to me and cause inconvenience.
02/13/2018 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TX
  • 77521
Web
The company FBCS Inc had sent me a letter dated XX/XX/2018. This letter is an offer to pay a debt at a reduced amount. Their offer is to pay a debt at a 80 % percent discount. I do believe that this debt amount at no matter what their letter states is incorrect. Also I believe this debt is to old to be listed upon any of my credit reports.
03/30/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MI
  • 488XX
Web
On XX/XX/2022, I received a letter from FBCS , Inc., stating that the company had purchased a debt I owed through XXXX XXXX XXXX XXXX. I paid off this debt on XX/XX/2022, as agreed. The amount I paid was smaller, but it was agreed upon by XXXX XXXX XXXX XXXX XXXX. I have sent a letter to FBCS , Inc. stating that I do not owe the debt.
05/20/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75206
Web
I was contacted by this collection agency via telephone and I advised them this debt was disputed as it is not mine. I 've never had an account with XXXX XXXX XXXX, XXXX and this debt is not mine. I have sent them via certified mail the documents showing his debt was a result of identity theft, but they continue to attempt collection.
07/29/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Problem with personal statement of dispute
  • AZ
  • 85326
Web Servicemember
I paid a debt on my credit in full on XX/XX/2022 for {$900.00}, but transition and XXXX were showing it still has a balance of {$170.00}. It also has an incorrect date this account was opened. I submitted disputes and they just sent me the results saying it's accurate. I have receipts and a letter from the creditor showing otherwise.
03/06/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 92069
Web Older American
I received a debt collection letter for a bil that is fake. I called the company it is supposedly owed, they said they don't use that collection agency. It was sent to my father at my address. the bill was for energy in WY and he's been deceased for 7 years and only lived in CA for 75 years before that. See attached photo of bill
01/05/2024 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30093
Web Older American
1- fbcs inc XXXX XXXX XXXX XXXX Suit XXXX, XXXX XXXX XXXX XXXX XXXX ) sent my letters to connect {$10000.00} 2- fbcs calls me twice per week phone # XXXX XXXX time XXXX XXXX and XXXX time XXXXXXXX XXXX XXXX I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only
04/12/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33160
Web
This company calls me daily everyday, several times a day. They have called and harassed my employer as well as family and friends. I've asked them to stop with the phone calls and send communications through mail only. They have refused to do so and continue to harass me. I would like it to stop immediately. No more phone calls!
01/03/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30906
Web
The company FBCS sent me a letter trying to collect a debt that I disputed with another agency in XXXX 2017. The previous agency has removed the debt from my credit report because they could not validate it. Now FBCS, is trying to collect on that same debt that was obviously sold after validation could not be proven.
11/17/2018 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • OH
  • 44039
Web
I received a call from FBCS XXXX stating I owe a debt previously paid. I stated I would not be paying anything over the phone and require a mailed bill at the address I verified. They refused stating I have ignored previous statements. I have never received any statements. Gentleman started threatening and I hung up.
07/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43068
Web
This company is using a local area code to trick people into believing it is a local call. After XXXX such occasion after I missed a call by them, I called the number back to find out who it was, and it was a doctor in XXXX, Ohio. They are using spoofing practices to avoid blocked numbers and continue to harass me.
10/27/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 92392
Web Older American
continued calls from XXXX XXXX financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you.
08/27/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Called before 8am or after 9pm
  • CA
  • 90304
Web
FBCS calls me repeatedly at XXXX, despite my numerous requests that they stop. Today, they did it once again by calling me at XXXX and refused to address the issue once I called. This has had a major impact on my quality of life and is taking a toll on my health by waking me at an unreasonable hour.
03/24/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48205
Web
XX/XX/2021 Sent in a letter for validation to FBCS and the Information was never validated. Date of last activity and the date of last payment is wrong and is reporting differently on all 3 credit bureau. I have tried to dispute mistakes and the credit reporting agency is not correcting them.
10/08/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 94578
Web Older American
The company, SBCS, is repeatedly calling, and they finally said it was for a credit card debt from 2011. I told them it was past the statute of limitations, but they insisted they still had the right to call. The amount is {$570.00}. Their # 's are XXXX and XXXX. I have blocked both numbers.
03/08/2018 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • UT
  • 84010
Web
XXXX agreed to close my account back in 2015 at an old address with an ex-spouse 2 years later, unbeknownst to me it appeared on my XXXX credit report and is hurting my credit score and report. I have not spoken with this collection company nor have they attempted to contact me in any way.
11/08/2022 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AZ
  • 85323
Web
This medical place did not send yo all my insurances that i had at the time. Plus after they do this and i have proof of what is paid from ALL insurance including XXXX and the job i had at the time. Then i can set up a payment an and even if i have to work 2 jobs to get this taken care of
09/03/2020 Yes
  • Debt collection
  • Payday loan debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • CA
  • 95820
Web
This debt is past statute for collections. FBCS, Inc. called my number today at XXXX PST from XXXX ( XXXX XXXX XXXX and did not verify my identity prior to disclosing the debt, in violation of the law and making them subject to suit over this practice. I have requested a cease and desist.
08/07/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 34746
Web
On XX/XX/2023 I was contacted by FBCS about a debt I had owed. They provided an option to pay for {$340.00} by XX/XX/2023. Upon verifying and logging into my account on XX/XX/2023, the only option was to pay {$550.00} as a bait and switch. No other amount options were available.
11/03/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30058
Web
After receiving this paper bill through the mail, I called my dental office to verify. My dental office said I was all paid up and had a XXXX balance. The office XXXX confirmed that the bill was fraudulent, which is why I decided not to contact them but report them instead.
06/14/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NC
  • 28105
Web
I have been called close to XXXX times by this organization. The debt is not mine and I am not affiliated with the company nor have I ever been. They are harassing me and will not stop. They have called and facetimed me, calling me a liar and raising their voice.
05/21/2022 No
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Struggling to pay your bill
  • Credit card company won't work with you while you're going through financial hardship
  • IN
  • 46953
Web Older American
XXXX XXXX account gas card. had the card and stopped using the card because of job lose. they wont work with me and is selling the account to other companies and they are trying to get me to pay it. i cant pay it i had to stop working and am on a fixed income,
02/23/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • FL
  • 34209
Web
repeat calls after I have asked not to call me anymore and asked not to call me during my work hours XXXX call log : XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX
06/17/2020 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75234
Web
Called is calling from random XXXX numbers. I f dat I not know who this is or what they want. Looked up phone number online which is how I found out that theyre a debt collector. No voicemails are ever left. I block one number and they call from many others.
08/16/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85746
Web
I submitted a cease and desist letter to stop communication via phone and only have communication in writing on XX/XX/2023 yet I still keep getting two three calls a day from them and they are using different numbers. The company in question is FBCS.
09/18/2023 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • PR
  • 00680
Web Older American
Since XX/XX/2023 I have been receiving calls from XXXX, today I decided to answer and they informed me that they were calling from FBSC Collection company and I have a credit card debt of {$21000.00} that ends in XXXX. I do not recognize that debt.
07/18/2023 Yes
  • Debt collection
  • Auto debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 307XX
Web
When trying to contact the debt collection agency, the representative was very rude, and he kept on trying to talk over me and would not let me get a word out. I was trying to work out a payment plan to pay my debt, and it made me very upset.
06/30/2021 Yes
  • Debt collection
  • Private student loan debt
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 63123
Web
I talk to XXXX college about not be able to attend school years ago on the behalf of not having wifi to take the courses. They didn't believe me enrolled me and still charged me. After I had told them that I wasnt able to attend at that time.
05/03/2022 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • NV
  • XXXXX
Web Older American
Fbcs, a debt collector, is making repeated, daily calls to my cell. I have advised them that my number is on the DNC Registry and they still persist even after I said I would report them. The calls are daily and from multiple phone numbers.
06/01/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • VA
  • 22033
Web
3rd party collection agency FCBS calling multiple times and hanging up, then refusing to tell me why they are calling. Finally they disclose an attempt to collect a debt which was paid in XXXX 2015. I have advised them to cease and desist.
05/18/2022 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • GA
  • 30213
Web
A company FBCS called from a XXXX number to my relative/mom. I have no idea who or what company this is besides someone is attempting to collect a debt on my name. She wants the calls to stop! I dont know how they have gotten her number.
09/09/2015 Yes
  • Debt collection
  • Medical
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • CA
  • 92124
Web Servicemember
This collection agency has REAGED AN OLD MEDICAL DEBT which is highly illegal. They threatens me and did reage my account on my credit report. this is a small medical debt that I told them the va will take care of since I 'm a veteran.
12/06/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 321XX
Web
I received a phone call from a number and they asked for my fiance. When I said he was not available they hung up immediately. When I called the number back it was an automated recording that stated they were XXXX collections agency.
08/08/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • KY
  • 40216
Web
This company is in violation of multiple FDCPA laws.I have sent a validation debt letter and cease and desist letter over 45 days ago. I demand that this company cease all forms of communication with me through any and all mediums.
10/14/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Called after sent written cease of comm
  • PA
  • 188XX
Web
Collection agency has been calling my cell phone over the last couple of weeks. I have sent them a cease and desist letter and they continue to call. I try answering my cell phone when they call but there is no one on the line.
03/02/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60164
Web
The debt was paid to a collection agency FBCS , INC. Paid on XX/XX/2020 in the settled amount of {$280.00}. I would like this to be removed from all reporting credit bureaus since FBCS stated it would be considered settled
10/28/2021 Yes
  • Debt collection
  • Private student loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 92532
Web Servicemember
The company continues to send me notices to collect on this debt. The statutes of limitations and passed and I have sent them numerous letters to stop contacted me, however every couple of years I receive another notice.
12/07/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 95134
Web
FBCS has placed a collection item on my XXXX credit report and done so without contacting me before-hand.I Just realized about the collection after getting an an alert on my credit bureau. I have no idea of the debt,
09/18/2023 Yes
  • Debt collection
  • I do not know
  • Electronic communications
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85339
Web
I have received emails and text messages from FBCS, not even sure who they are. They have also been calling my boyfriend 's cell phone and I had to block their number. I believe that this is harassment.
05/16/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34787
Web
I paid my all debts for XXXX XXXXXXXX. Now after more than 5 years I received a notification from you that I am owing you a remaining balance. Not sure what you a re referring to. Case # XXXX
06/18/2023 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • MI
  • 48021
Web
ID, S.S card and passport stolen. All items reported stolen through XXXX police station have claim number if needed. 15 USC 1681 Trying to buy a home, this is a defamation to my character.
04/23/2019 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • WA
  • 98310
Web Older American, Servicemember
This Company, FBCS repeatedly calls Me. I do not owe any Debt and have told them. They continue to repeatedly call. Have received no written information about any alledged debt by them.
08/15/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 323XX
Web
This debt does not belong to me. I've stated this more than once with XXXX XXXX XXXX XXXX. Now it seems that this new company is also trying to collect on something that's not mine.
03/07/2017 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 370XX
Web
I 'm being told I owe {$500.00} or more to this FBCS agency for debt for XXXX Bank in XXXX, TN. I belive I have paid this off already and they are saying no I have n't.
05/22/2018 Yes
  • Debt collection
  • Payday loan debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30052
Web
This loan was discharged in Chapter XXXX bankruptcy. received a call from FBCS regarding this debt. I am requesting a debt validation as I do not owe this debt.
12/12/2023 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened or suggested your credit would be damaged
  • FL
  • XXXXX
Web
I do not recall this visit to any medical facility... the bill was taken into collections ... I did have my identity stolen a while back, I need help please
08/09/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NV
  • 89134
Web
XXXX XXXX XXXX seeks to collect on a debt that is barred by the California Statute of Limitations. The debt is not mine and is unenforceable against me.
05/31/2018 Yes
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • CA
  • 902XX
Web
Company FBCS , inc XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX PA XXXX Repetitious phone calls and letters to annoy and harass Constant harassment
01/22/2021 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NE
  • 68137
Web
The company continues to call me with local numbers. They will not advise me of their client until I provide personal information.
09/14/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34655
Web
I 'm being called every 3days by this company/number never a voicemail describing who it is or why the call. Its harassing ....
02/17/2023 No
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MI
  • 48867
Web
Nonsensical communications that was very harassing, with repeated communication after a verbal request to cease and desist.
08/01/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • FL
  • 346XX
Web
Calls and threatens to serve me if I do not pay up and calls family, neighbors and friends and gives them my personal info
03/15/2021 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33460
Web
FBCS/XXXX XXXXXXXX I REQUESTED DEBT VALIDATION. THEY SENT ME A STATEMENT ONLY. I REQUESTED SOMETHING THAT I SIGNED
10/20/2015 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79703
Web
Continuous calls several times a day for months, leaving no message. I had to call back to find out who they were.
06/29/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77449
Web
My name is XXXX XXXX and I am submitting this complaint without any influence from a third party or agency.
09/22/2022 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • SC
  • 290XX
Web
I have started paying on this debt. However yall levied my pay check today for {$320.00} why is this??????
07/14/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • OH
  • 45230
Web
Received a collection notice for a " XXXX '' account. I have never used or heard of this service.
08/17/2015 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 10301
Web
I contacted XXXX and FBCS Consumer Contact Solutions and they ignored my requests for validation.
11/12/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 90017
Web
I got a call requesting my ss # and birthday for a debt which I know nothing about.
01/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31907
Web
Please remove closed accounts off my credit report you have 14 days XXXX XXXX XXXX
01/14/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • GA
  • 31907
Web
Please remove closed accounts off my credit report you have 14 days XXXX XXXX XXXX
02/03/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 77632
Web
Calls multiple times a day. Cant give me any info. Wants {$600.00} over the phone.
07/19/2021 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • FL
  • 32086
Web Servicemember
Debt doesnt belong to me and they keep calling harassing me
07/28/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • PA
  • 194XX
Web
Multiple calls multiple times a day. I do not have debt
11/16/2018 Yes
  • Debt collection
  • Private student loan debt
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • IL
  • 60622
Web
Abusive language saying i have to hurry and pay
10/03/2023 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Managing an account
  • Banking errors
  • MA
  • 02302
Web
Someone hacked un and stole info
08/01/2016 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • FL
  • 346XX
Web
Called and made threats
01/25/2024 Yes
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • LA
  • 70563
Web Servicemember
01/10/2024 No
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10455
Web
01/03/2024 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Collected or attempted to collect exempt funds
  • SC
  • 29406
Web
12/05/2023 Yes
  • Debt collection
  • Telecommunications debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94901
Web
11/28/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27407
Web
11/15/2023 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MA
  • 02054
Web
10/15/2023 No
  • Credit reporting or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • AL
  • 36782
Web
10/12/2023 No
  • Credit card
  • General-purpose credit card or charge card
  • Incorrect information on your report
  • Account information incorrect
  • IL
  • 60629
Web
09/29/2023 Yes
  • Checking or savings account
  • Checking account
  • Problem caused by your funds being low
  • Overdrafts and overdraft fees
  • IN
  • 46012
Web
09/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 33030
Web
09/06/2023 No
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NJ
  • 07304
Web
08/28/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32011
Web Older American, Servicemember
08/12/2023 Yes
  • Credit card or prepaid card
  • General-purpose credit card or charge card
  • Problem with a purchase shown on your statement
  • Card was charged for something you did not purchase with the card
  • CT
  • 06902
Web
08/05/2023 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • NC
  • 27713
Web
07/26/2023 Yes
  • Debt collection
  • Other debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • IN
  • 46012
Web
07/13/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CO
  • 81635
Web
07/12/2023 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30144
Web
05/23/2023 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MD
  • 21044
Web
05/22/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10462
Web
05/07/2023 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • TX
  • 76308
Web
05/05/2023 No
  • Debt collection
  • Credit card debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 34608
Phone
04/22/2023 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TN
  • 37355
Web
04/20/2023 No
  • Debt collection
  • Credit card debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • LA
  • 70131
Web
04/03/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30741
Web
03/21/2023 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37408
Web
02/28/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NV
  • 89011
Web
02/27/2023 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48081
Web Servicemember
02/14/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • VA
  • 24151
Web
01/31/2023 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19107
Web
01/31/2023 No
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19107
Web
01/27/2023 No
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33637
Web
01/23/2023 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32506
Web Older American
01/21/2023 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48234
Web
12/22/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 94112
Web
11/26/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 10941
Web
11/21/2022 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Contacted your employer
  • WA
  • 98366
Web
11/18/2022 No
  • Money transfer, virtual currency, or money service
  • Refund anticipation check
  • Fraud or scam
  • MO
  • 636XX
Web
11/15/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 92807
Web
10/10/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • AL
  • 36330
Web
09/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • GA
  • 30281
Web
09/05/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 48185
Web
08/29/2022 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 34746
Web
08/19/2022 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive notice of right to dispute
  • TX
  • 76099
Web
08/17/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75080
Web
08/11/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • OK
  • 73110
Web
08/10/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • TX
  • 75080
Web
07/11/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • VA
  • 23434
Phone Older American, Servicemember
07/08/2022 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33810
Phone Older American
06/16/2022 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33756
Web
06/14/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • NC
  • 28216
Web Servicemember
06/10/2022 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Reporting company used your report improperly
  • FL
  • 33604
Web
05/04/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • IL
  • 62264
Web
04/29/2022 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Sued you without properly notifying you of lawsuit
  • FL
  • 33647
Web
04/21/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32177
Web
04/07/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • OK
  • 73025
Web
04/01/2022 Yes
  • Debt collection
  • Medical debt
  • Communication tactics
  • Frequent or repeated calls
  • MI
  • 48221
Web
03/29/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 27510
Web
03/29/2022 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • NJ
  • 08050
Web
03/21/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • FL
  • 33771
Web
03/21/2022 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 12553
Web
02/28/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MS
  • 391XX
Web
02/11/2022 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • GA
  • 30327
Web
01/20/2022 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • GA
  • 30350
Web
01/13/2022 Yes
  • Checking or savings account
  • Other banking product or service
  • Incorrect information on your report
  • Account information incorrect
  • TX
  • 79925
Phone
01/11/2022 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 93635
Phone Older American
12/21/2021 Yes
  • Vehicle loan or lease
  • Loan
  • Getting a loan or lease
  • Fraudulent loan
  • TX
  • 75034
Web
12/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • PA
  • 15650
Web
11/02/2021 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Was not notified of investigation status or results
  • GA
  • 30213
Web
10/27/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10029
Web
10/01/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37218
Web
09/23/2021 Yes
  • Debt collection
  • Private student loan debt
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • CA
  • 93306
Web
09/08/2021 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • PA
  • 15025
Web
08/25/2021 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • CA
  • 92107
Web
08/20/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90002
Web
08/19/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • SC
  • 29841
Web
08/03/2021 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10312
Web
07/15/2021 No
  • Debt collection
  • I do not know
  • Communication tactics
  • Used obscene, profane, or other abusive language
  • GA
  • 30204
Referral
07/04/2021 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28215
Web
06/23/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • NY
  • 10033
Web
03/31/2021 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
Phone
03/09/2021 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 94568
Web
02/08/2021 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30039
Web
01/02/2021 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was paid
  • IL
  • 60625
Web
12/18/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • MO
  • 63132
Web Older American
12/16/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • SC
  • 29649
Web Older American
10/26/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • NJ
  • 07030
Postal mail
10/23/2020 Yes
  • Debt collection
  • Auto debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
10/21/2020 Yes
  • Mortgage
  • Conventional home mortgage
  • Trouble during payment process
  • NY
  • 11385
Web
10/20/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30238
Fax
10/13/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32839
Web
10/05/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NJ
  • 08034
Phone
09/13/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information belongs to someone else
  • NY
  • 11226
Web
08/31/2020 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • CA
  • 93726
Web Servicemember
08/30/2020 Yes
  • Checking or savings account
  • CD (Certificate of Deposit)
  • Closing an account
  • Funds not received from closed account
  • CA
  • 94520
Web Servicemember
07/18/2020 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30317
Referral
07/09/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Account status incorrect
  • MN
  • 55122
Web
06/29/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Improper use of your report
  • Credit inquiries on your report that you don't recognize
  • LA
  • 70563
Fax
06/24/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CO
  • 80925
Web Servicemember
06/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60089
Web
05/27/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CA
  • 90027
Web
05/11/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CT
  • 06478
Web
04/24/2020 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MD
  • 21901
Postal mail
04/09/2020 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • TN
  • 37416
Web Older American, Servicemember
03/24/2020 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • ME
  • 04401
Phone Older American
03/06/2020 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 95667
Web
02/11/2020 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Problem with a credit reporting company's investigation into an existing problem
  • Their investigation did not fix an error on your report
  • PA
  • 15206
Phone
02/06/2020 Yes
  • Debt collection
  • Credit card debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 33413
Web Servicemember
01/28/2020 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • AR
  • 72209
Referral
12/19/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • MN
  • 55107
Web
11/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • AZ
  • 85132
Web
11/25/2019 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt was paid
  • AZ
  • 85629
Web
10/24/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28262
Web
10/07/2019 Yes
  • Debt collection
  • I do not know
  • Threatened to contact someone or share information improperly
  • Talked to a third-party about your debt
  • MO
  • 64633
Web Servicemember
09/17/2019 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • FL
  • 32807
Web
07/31/2019 Yes
  • Credit reporting, credit repair services, or other personal consumer reports
  • Credit reporting
  • Incorrect information on your report
  • Information is missing that should be on the report
Phone Servicemember
07/23/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • PA
  • 19067
Web
06/12/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MO
  • 64746
Web
06/07/2019 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NY
  • 11580
Postal mail
06/05/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NV
  • 89105
Referral
05/15/2019 Yes
  • Debt collection
  • Credit card debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37880
Postal mail
05/08/2019 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • CO
  • 80005
Referral
05/01/2019 Yes
  • Debt collection
  • Medical debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NY
  • 10301
Postal mail
04/24/2019 Yes
  • Debt collection
  • Other debt
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 33403
Postal mail
02/22/2019 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • MS
  • 39170
Web
01/11/2019 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MI
  • 48312
Postal mail
11/11/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • IL
  • 60525
Web
11/01/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 11106
Web
10/30/2018 Yes
  • Debt collection
  • Medical debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • TN
  • 38134
Phone
10/11/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
07/24/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33060
Web Older American
07/18/2018 Yes
  • Debt collection
  • I do not know
  • Took or threatened to take negative or legal action
  • Seized or attempted to seize your property
  • TX
  • 77545
Postal mail
07/03/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
Phone
06/08/2018 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • TN
  • 37122
Fax
05/20/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was paid
  • CA
  • 96002
Web
05/18/2018 Yes
  • Student loan
  • Private student loan
  • Incorrect information on your report
  • Old information reappears or never goes away
  • NC
  • 27893
Web
05/08/2018 Yes
  • Debt collection
  • Credit card debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • TX
  • 75019
Web
04/28/2018 Yes
  • Student loan
  • Federal student loan servicing
  • Dealing with your lender or servicer
  • Don't agree with the fees charged
  • TN
  • 38127
Web
04/14/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • NC
  • 27045
Web
04/12/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt is not yours
  • NY
  • 10457
Referral
04/09/2018 Yes
  • Debt collection
  • Private student loan debt
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70458
Web Servicemember
03/29/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 90008
Postal mail
03/22/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • CA
  • 95340
Phone
03/20/2018 Yes
  • Debt collection
  • I do not know
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • NC
  • 28166
Postal mail
03/14/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • TX
  • 75503
Web Servicemember
03/09/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt was paid
  • VA
  • 22015
Web
02/07/2018 Yes
  • Debt collection
  • I do not know
  • Attempts to collect debt not owed
  • Debt was already discharged in bankruptcy and is no longer owed
  • CA
  • 91377
Web
01/10/2018 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt was result of identity theft
  • FL
  • 33971
Web Servicemember
01/09/2018 Yes
  • Debt collection
  • Medical debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • GA
  • 30417
Web
12/14/2017 Yes
  • Debt collection
  • Other debt
  • Took or threatened to take negative or legal action
  • Threatened to sue you for very old debt
  • VA
  • 23226
Postal mail
12/11/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • AL
  • 36207
Fax
10/19/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • GA
  • 30274
Referral
09/06/2017 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • You told them to stop contacting you, but they keep trying
  • FL
  • 34953
Web Older American
08/31/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 20903
Referral
07/07/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • MD
  • 21076
Postal mail
07/07/2017 Yes
  • Debt collection
  • Medical debt
  • False statements or representation
  • Attempted to collect wrong amount
  • AE
  • 09123
Web Servicemember
06/19/2017 Yes
  • Debt collection
  • Other debt
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 32050
Web Servicemember
05/09/2017 Yes
  • Debt collection
  • Other debt
  • Written notification about debt
  • Didn't receive enough information to verify debt
  • CO
  • 80226
Postal mail
04/24/2017 Yes
  • Debt collection
  • Other debt
  • Attempts to collect debt not owed
  • Debt is not yours
  • MI
  • 49201
Web
04/18/2017 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • LA
  • 70714
Referral
03/27/2017 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CT
  • 06114
Referral
03/16/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not disclosed as an attempt to collect
  • NC
  • 27292
Web
03/12/2017 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33993
Web
03/07/2017 Yes
  • Debt collection
  • Auto
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21042
Web Servicemember
02/28/2017 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91932
Referral
02/23/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80231
Web
02/07/2017 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MI
  • 48227
Postal mail
01/05/2017 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11378
Postal mail
12/21/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95118
Phone
12/02/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 44122
Web
10/11/2016 Yes
  • Debt collection
  • Non-federal student loan
  • Communication tactics
  • Called after sent written cease of comm
  • MI
  • 49045
Web Servicemember
10/03/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10030
Postal mail
10/03/2016 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32701
Web
09/29/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 95841
Web
09/02/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Attempted to collect wrong amount
  • FL
  • 344XX
Web
08/31/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • False statements or representation
  • Impersonated an attorney or official
  • MO
  • 65802
Web
08/25/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • HI
  • 96786
Web
08/17/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 95135
Postal mail
08/11/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • GA
  • 30079
Referral
07/30/2016 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • KS
  • 66204
Web
07/17/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33794
Web
07/17/2016 Yes
  • Debt collection
  • I do not know
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • PA
  • 19464
Web
07/15/2016 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Threatened to take legal action
  • OH
  • 44471
Postal mail Older American
07/11/2016 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 32080
Web
06/27/2016 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • PA
  • 19464
Web
03/17/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • PA
  • 17406
Referral
03/16/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 31313
Web Servicemember
03/11/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CO
  • 80014
Web
02/05/2016 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • CA
  • 95207
Web Servicemember
02/04/2016 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 34772
Web
01/28/2016 Yes
  • Debt collection
  • Federal student loan
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • CA
  • 91311
Phone Servicemember
01/27/2016 No
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97222
Referral
01/14/2016 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75904
Web
01/11/2016 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • VA
  • 23236
Phone Older American
12/31/2015 Yes
  • Debt collection
  • Credit card
  • False statements or representation
  • Attempted to collect wrong amount
  • KS
  • 66763
Postal mail
12/04/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94303
Web Older American, Servicemember
12/01/2015 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • IL
  • 60443
Web
11/16/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • GA
  • 31313
Fax
11/05/2015 No
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 93245
Web
10/19/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 92503
Phone Servicemember
10/14/2015 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • FL
  • 33584
Web
10/12/2015 No
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 77371
Web
10/10/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • GA
  • 30728
Web
09/28/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 78752
Phone Older American
08/04/2015 No
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 75070
Web
07/29/2015 Yes
  • Debt collection
  • Auto
  • Communication tactics
  • Frequent or repeated calls
  • MO
  • 63868
Web Older American, Servicemember
07/23/2015 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Threatened to take legal action
  • NC
  • 28467
Postal mail
07/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33703
Phone Older American
07/20/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33773
Phone
06/13/2015 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Used obscene/profane/abusive language
  • NE
  • 680XX
Web
06/13/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NY
  • 10309
Web
06/09/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43515
Phone
04/23/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 22152
Referral
04/03/2015 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 33324
Web
03/02/2015 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • KY
  • 42420
Web
02/16/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MO
  • 64093
Web
01/11/2015 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • SC
  • 29909
Web Older American, Servicemember
01/07/2015 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45042
Phone
12/09/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MA
  • 01721
Web
12/03/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76179
Web
11/29/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75051
Web Older American
11/22/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 75701
Web
11/20/2014 Yes
  • Debt collection
  • Credit card
  • Communication tactics
  • Frequent or repeated calls
  • TX
  • 79762
Web
11/20/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • NC
  • 28215
Web
11/17/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 75106
Web
11/13/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MO
  • 64127
Web
10/15/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • WA
  • 98512
Web
10/15/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • NY
  • 11105
Referral
10/14/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MA
  • 01089
Web Servicemember
10/09/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 76821
Web
10/08/2014 Yes
  • Debt collection
  • Medical
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • TX
  • 75034
Web
09/18/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33147
Web
09/06/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • OH
  • 43465
Web Servicemember
09/04/2014 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • IL
  • 60563
Referral
08/27/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TX
  • 78203
Web
08/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OH
  • 45239
Phone Older American
08/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • CA
  • 94401
Web
08/03/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • WA
  • 98266
Web
07/31/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Threatened to take legal action
  • LA
  • 70435
Web
07/29/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NJ
  • 08050
Web Servicemember
07/25/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • FL
  • 33523
Web
07/02/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • NM
  • 87114
Web Older American
07/01/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • KY
  • 40216
Web
06/09/2014 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • OH
  • 43614
Web
05/15/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MI
  • 48634
Web Servicemember
05/07/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • PA
  • 19130
Referral
04/17/2014 Yes
  • Debt collection
  • I do not know
  • False statements or representation
  • Attempted to collect wrong amount
  • TN
  • 37138
Referral
04/09/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt resulted from identity theft
  • MD
  • 20720
Web
03/21/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • MD
  • 21701
Phone
03/20/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • TX
  • 77373
Referral
03/17/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • MA
  • 02740
Web
03/17/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • MD
  • 21229
Web
02/25/2014 Yes
  • Debt collection
  • I do not know
  • Taking/threatening an illegal action
  • Threatened arrest/jail if do not pay
  • TX
  • 75206
Web
02/21/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • AL
  • 35126
Web
02/18/2014 Yes
  • Debt collection
  • Medical
  • Communication tactics
  • Frequent or repeated calls
  • MD
  • 21207
Phone
02/14/2014 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Right to dispute notice not received
  • NC
  • 27592
Web
02/13/2014 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt was paid
  • TN
  • 38115
Web
02/11/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • UT
  • 84010
Web
02/06/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AR
  • 71854
Phone
02/06/2014 Yes
  • Debt collection
  • Medical
  • False statements or representation
  • Attempted to collect wrong amount
  • IN
  • 46514
Web
02/03/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt was discharged in bankruptcy
  • AZ
  • 85143
Web
01/30/2014 Yes
  • Debt collection
  • Credit card
  • Improper contact or sharing of info
  • Contacted me after I asked not to
  • PA
  • 19145
Web
01/20/2014 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • AR
  • 72715
Web Older American, Servicemember
01/14/2014 Yes
  • Debt collection
  • Credit card
  • Taking/threatening an illegal action
  • Threatened to sue on too old debt
  • FL
  • 33139
Web
01/07/2014 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 77550
Phone
01/06/2014 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CT
  • 06370
Web
12/27/2013 Yes
  • Credit reporting
  • Incorrect information on credit report
  • Information is not mine
  • TX
  • 76131
Web Servicemember
12/26/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • FL
  • 33703
Web
12/12/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75077
Web
10/31/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • IL
  • 60445
Referral
10/24/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • OK
  • 73099
Web Servicemember
10/23/2013 Yes
  • Debt collection
  • I do not know
  • Disclosure verification of debt
  • Right to dispute notice not received
  • TX
  • 78251
Web
10/22/2013 Yes
  • Debt collection
  • Medical
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • CA
  • 94114
Web
10/01/2013 Yes
  • Debt collection
  • Medical
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • TX
  • 75407
Web Servicemember
09/20/2013 Yes
  • Debt collection
  • I do not know
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32653
Web
09/07/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Communication tactics
  • Frequent or repeated calls
  • FL
  • 32114
Fax
09/05/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • XXXXX
Web
08/31/2013 Yes
  • Debt collection
  • Credit card
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • VA
  • 23238
Web
08/24/2013 Yes
  • Debt collection
  • Credit card
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • MA
  • 02333
Web
08/21/2013 Yes
  • Debt collection
  • Other (i.e. phone, health club, etc.)
  • Disclosure verification of debt
  • Not given enough info to verify debt
  • OR
  • 97701
Phone
08/12/2013 Yes
  • Debt collection
  • I do not know
  • Cont'd attempts collect debt not owed
  • Debt is not mine
  • WV
  • 25880
Phone Older American