Consumer complaint received 2016-01-09
Company: Financial Business and Consumer Solutions.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation