Consumer complaint received 2022-12-21
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Dear Sir/Madam, I am writing to file a complaint against a collection company, Fair Collections & Outsourcing ( FCO ), for violating the Fair Debt Collection Practices Act ( FDCPA ). Specifically, I believe the company violated 15 USC 1692c 805, which states that a debt collector should use obscene or profane language.

I have received numerous phone calls and emails from Fair Collections & Outsourcing ( FCO ) trying to collect a debt, and they have repeatedly used obscene or profane language. I have been in communication with XXXX XXXX XXXX XXXX  | XXXX XXXX  and Consumer Relations Agent from XXXX According to 15 USC 1692c 805, it is illegal for a debt collector to communicate with a consumer in any place or manner that is inconvenient to the consumer. However, this Fair Collections & Outsourcing ( FCO ) has repeatedly contacted me at work, despite my requests for them to stop and my notification that it is inconvenient to receive calls at work.

Furthermore, this Fair Collections & Outsourcing ( FCO ) has also been using abusive and threatening language towards me, which violates the Act 's prohibition against using abusive or threatening language ( 15 USC 1692d ). In addition to this FCO is also in violation of following 1. Using obscene or profane language.

2. Publishing the consumer 's name or address on a " bad debt '' list.

3. Continuing to communicate with me after the consumer has requested that the debt collector stop contacting them.

4. Contacting the consumer at inconvenient times or places, such as before XXXX XXXX PST 5. Misrepresenting the amount of the debt, the legal status of the debt, or the consequences of not paying the debt.

6. Using false or misleading representations or deceptive means to collect the debt.

I have asked FCO over the phone and in writing that the collection efforts were wrong because the original vendor had wrongfully added those charges without providing me a breakdown and copy of the invoices. All those charges were fraudulently created by the vendor, which I tried to explain to FCO. However, FCO is being bullied and told me they would get this collection, and they don't care about the authenticity of these charges so I requested them to let me work directly with the vendor and they said they don't care as the account is with them.

I would like to ask the CFPB to take action against this Fair Collections & Outsourcing ( FCO ) for violating the Fair Debt Collection Practices Act and that they cease their unlawful behavior immediately.

I would like the CFPB to investigate this matter and take appropriate action against Fair Collections & Outsourcing ( FCO ) to ensure that they comply with the FDCPA. I have included copies of the phone logs and emails as evidence of the Fair Collections & Outsourcing ( FCO ) 's actions. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

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