Consumer complaint received 2020-10-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I recently rented an apartment back in XXXX of last year. I followed all the necessary procedures when moving out an apartment. I sent over a 30 day notice to the apartment complex stating the day I would be out. The property manager agreed to provide me with a break down of the charges I owed upon departure of the unit. I was informed I would receive a bill in 30 days. Well 30 days went buy no bill indicating I owe " move out charges ''. I contacted the property manager on several attempts to validate this debt. No response. A month later I received a letter from a debt collector. Stating I owe the apartment unit {$210.00} ''. Move out charges. I spoke with a individual explaining the issue as to why I dont owe this debt. The property manager refused to complete a exit walkthrough upon returning the keys. I was advised to leave keys in mailbox. I explained this too the credit company. How can I be charged for a debt that I was never provided a copy of showing the break down of the charges. I asked to dispute this information and was told to contact the supervisor. I spoke with the supervisor XXXX XXXX with the debt collection agency. He would not allow me to dispute the debt. He informed me the debt was unable to be reported to my credit file due to non response from the property manager. However he stated I still need to pay this debt. How is this possible? If the debt can not be validated through the original creditor how can he say I still owe the debt. However he explained to me the debt is not eligible to reported to my file. I asked for something in writing stating this debt will not be reported to my credit report. He said " No '' calls are recorded for monitoring and its listed in your file.. please help me Ps '' I have attached also the information from the debt company showing the break down charges. I explained to Mr XXXX if he looked closely my signature is provided for the walk throug when I first got my keys. No signature is provided showing I agree to the move out fee '' I did not sign. Reason being no move out notice was provided in 30 days. As stated by property manager. Emails attached verifying that information. It clearly states if you agree to move out charges please sign. I was never provided a copy by original creditor. The debt collection company provided me with this information. However refused to open a dispute. I was advised to contact XXXX XXXX manager. He just argued with me made excuses for the property manager and stated he was a ex property manager. Not willing to understand the situation. I have provided documents showing I reached out to property manager for breakdown of charges to prevent further issues. However no response was provided. Please see attachments were I reached out to property manager in regard to this debt. No response at all.

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