Consumer complaint received 2021-02-07
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Original Creditor XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX Debit Collector : FCO Fair Collections and Outsourcing XXXX XXXX XXXXXXXX XXXX XXXX  XXXX, MD XXXX -Tel ( XXXX ) XXXXFax XXXX Notice Date XX/XX/XXXX, Received on XX/XX/XXXX Contract : Move in date XX/XX/XXXX Lease Expiration Date XX/XX/XXXX Notice given date XX/XX/XXXX Moving out date XX/XX/XXXX Account Balance {$930.00} FCO agrees to Accept 50 % of this amount to close the A/C Dispute was registered on XXXX with XXXX XXXX XXXX concerning a Bugs issues on the rented apartment ( XXXXXXXX XXXX  XXXX -XXXX-VA-XXXX  ) before renewing the contract for the year XXXX where we suggested to the manager to transfer us for other apartment or controlling the bugs by inspector/s treatment for my family 's safety and health, first treatment was made but on XXXX@XXXX XXXX   we complained again for the bugs and evidences that brought to the office, we decided for not renewing the lease contract, due to the failure by the office to control the Bugs, the office charged us {$420.00} to our account, after we left the lease ( XXXX  ) send to us a complete statement where they claimed {$930.00}, in this account / statement ( XXXX ) charged us An acceleration of rent of {$740.00}, accordingly ( XXXX  ) charged us unlawfully/ disputable the sum of ( $ XXXX {$740.00} ) = {$1100.00} + Our Security Deposit of {$400.00}, then our Total Credit should be {$1500.00} minus {$580.00} ( Paints/Key/Utilities /etc accordingly our Net Credit amount should be {$980.00} in favor to our account # XXXX instead of {$930.00} for the false claimed amount made by ( XXXX ) to their credit We Started communicated verbally and written on the above mentioned in and before XX/XX/XXXX before the notice date from XXXX ( XX/XX/XXXX ) and before the moving out date on XXXX. 
XXXX never resolved the above-mentioned issues ( Bugs and renewal the lease or to move out ) while we residence in the apartment to resolve the mentioned issues peacefully with satisfactions to the both parties. 
After ( 4 ) months!! XXXX without negotiations and direct settlements on XX/XX/XXXX sent the False claim of {$930.00} to the debit Collector FCO in spit that we informed them for not sending the false claim to any third party unless we failed to resolve our letter ( XX/XX/XXXX ) by court judgments and orders or lawful procedures. BUT XXXX they ignored our letters /notifications and take the law by their hands and keep putting our financial records in a difficulties for more than ( 3 ) years which ultimately affected on daily bases our records as the whole family of ( 6 ) members, with continuous Financial distresses that will lead us to complete bankruptcy and credit loans, Employments opportunities, new rentals home, mortgages, and on XX/XX/XXXX we have a total loses to our Vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX due to the Police crash report # XXXX dated XXXX XXXX in XXXX XXXX for the only car that we have with all proof and evidences during this hard time of Covid-19 and I am Unemployed for more than 10 months due to this situation all over the country

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation