Consumer complaint received 2016-04-08
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Financial Business and Consumer Solutions. (CA)

-- 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