Consumer complaint received 2021-08-02
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FEDChex Recovery, LLC (TX)

In XXXX XXXX wallet was stolen. 

A charge was made XX/XX/XXXX at XXXX XXXX  XXXX. 
Books were due XX/XX/XXXX. 

Was contacted by XXXX XXXX  XXXX and told them this is fraud. 

XXXX XXXX XXXX passed it to FCR Collection Services in XX/XX/XXXX. 

I told FCR I did not rent these books. 

They said these books were rented in Louisiana. I live in Texas. 



Begin forwarded message : From : XXXX Date : XX/XX/XXXX at XXXX XXXX CDT To : XXXX Subject : Final Notice from XXXX XXXX  XXXX XXXX rental order XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Order : XXXX Dear XXXX XXXX , This is a FINAL NOTICE regarding your textbook rental from XXXX XXXX XXXX XXXX has not been returned. We recently attempted to contact you multiple times via phone and email regarding your past due textbook rental but we have not received a response. It is important that we connect with you right away. Please contact us at XXXX Monday - Friday XXXX XXXX  - XXXX XXXX  CST or make a payment or chat with an agent via our payment site. 

Per your Textbook Rental Agreement, we attempted to charge your credit card on file multiple times for the replacement copy and associated processing fees for your non- returned textbook. All attempts to charge your credit card on file were unsuccessful. 

The following amount ( s ) are past due : Rental ID Title Rented On Due Date Amount XXXX XXXX  : XXXX  ( XXXX ) XX/XX/XXXX XX/XX/XXXX {$97.00} XXXX XXXX  XXXX  XX/XX/XXXX XX/XX/XXXX {$100.00} Total Amount Due : {$200.00} For additional assistance, call XXXX Monday - Friday XXXX XXXX  - XXXX XXXX  CST or make a payment or chat with an agent via our payment site. 

Thank you for your prompt attention and resolution to this matter. 

Sincerely, XXXX XXXX XXXX XXXX Dear XXXX XXXX, RE : Account Number XXXX We are contacting you regarding your non returned textbook with XXXX XXXX XXXX XXXX XXXX  , XXXX XXXX XXXX  XXXX XXXX  XXXX XXXX XXXX. Our records indicate that we have not received a full payment from you to clear your account from collections. 

Please keep in mind the following notes regarding your account : Your book can no longer be returned to the bookstore Your rental was not returned before your contracted rental return due date You agreed in your contract to pay the outstanding balance and fees for any non-returned materials The credit card you left on file at the time of your rental was declined or expired when charged by XXXX XXXX XXXX XXXX XXXX , XXXX Dba XXXX  XXXX XXXX  XXXX XXXX XXXX In order to resolve this matter with our office and prevent the possibility of your rental account being placed with the XXXX XXXX XXXX XXXX XXXX for further collections efforts, you may simply visit XXXX XXXX XXXX to view your account details and pay for your textbook ( s ). If you prefer, you may contact us at XXXX to discuss your textbook rental account and available payment options or to set up a partial payment plan. We accept various forms of payment for your convenience, please be advised some methods of payment are through a third party and may contain a processing fee. 
Our client values your business and we thank you in advance for helping to resolve this matter. 

This is an attempt to collect a debt and any information obtained will be used for that purpose. 

Thank you, FCR Collection Services XXXX This communication is confidential and may contain privileged information. If you are not the intended recipient you must not use, disclose, copy or retain it. If you have received it in error please immediately notify us by return email and delete the email. 



The following state disclosures only apply to residents of that particular state. This list does not contain a complete list of your consumer rights that you have under Federal, State or Local Laws.

California The state Rosenthal Fair Debt Collection Practices Act and the federal Fair Debt Collection Practices Act require that, except under unusual circumstances, collectors may not contact you before XXXX XXXX or after XXXX XXXX They may not harass you by using threats of XXXX or arrest or by using obscene language. Collectors may not use false or misleading statements or call you at work if they know or have reason to know that you may not receive personal calls at work. For the most part, collectors may not tell another person, other than your attorney or spouse, about your debt. Collectors may contact another person to confirm your location or enforce a judgment. For more information about debt collection activities, you may contact the Federal Trade Commission at XXXX or XXXX Colorado Colorado XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, CO XXXX ( XXXX ) XXXX, XXXX. A consumer has the right to request in writing that a debt collector or collection agency cease further communication with the consumer. A written request to cease communication will not prohibit the debt collector or collection agency from taking any other action authorized by law to collect the debt. Colo. Rev. Stat. Ann. 12-14-105 ( 3 ) ( e ) ( West, WESTLAW through H.B. 1240, 66th Gen. Assembly, 2nd Reg. Sess. ( Colo. 2008 ) ). For information about the Colorado Fair Debt Collection Practices Act, see WWW.COAG.GOV/CAR.

Kansas An investigative consumer report, which includes information as to your character, general reputation, personal characteristics and mode of living, has been requested. You have the right to request additional information, which includes the nature and scope of the investigation. 

XXXX  XXXX agencys phone number : XXXX. Collection agencys hours of operation : Monday- Friday XXXX PST XXXX XXXX agencys hours of operation : Monday- Friday XXXX PST NOTICE OF IMPORTANT RIGHTS. YOU HAVE THE RIGHT TO MAKE A WRITTEN OR ORAL REQUEST THAT TELEPHONE CALLS REGARDING YOUR DEBT MOT BE MADE TO YOU AT YOUR PLACE OF EMPLOYMENT. ANY SUCH ORAL REQUEST WILL BE VALID FOR ONLY TEN ( 10 ) DAYS UNLESS YOU PROVIDE WRITTEN CONFIRMATION OF THE REQUEST POSTMARKED OR DELIVERED WITHIN SEVEN ( 7 ) DAYS OF SUCH REQUEST. YOU MAY TERMINATE THE REQUEST BY WRITING TO THIS AGENCY. 

Minnesota If you feel that your concerns have not been addressed, please contact FEDChex Recovery at XXXX and allow us the opportunity to try and address your concerns. Or, you have the option to address any concerns with the Minnesota Attorney General 's Office, which can be reached at XXXX or XXXX. 

New Mexico We are required by New Mexico Attorney General Rule to notify you of the following information. This information is not legal advice : The debt may be too old for you to be sued on in court. If it is too old, you cant be required to pay it through a lawsuit. You can renew the debt and start the item for filing of a lawsuit against you to collect the debt if you do any of the following : make any payment of the debt ; sign a paper in which you admit that you owe the debt or in which you make a new promise to pay ; sign a paper in which you give up ( waive ) your right to stop the debt collector from suing you in court to collect the debt.

Nevada If you pay or agree to pay the debt or any portion of the debt, the payment or agreement to pay may be construed as : ( 1 ) acknowledgment of the debt by the consumer ; and ( 2 ) a waiver of any applicable statute of limitations set forth in NRS 11.190 that otherwise precludes the collection of the debt ; and ( 3 ) if you do not understand or have questions concerning your legal rights or obligations relating to the debt, you should seek legal advice. 

New York This collection agency is licensed in XXXX XXXX XXXX, License Number : XXXX Debt collectors, in accordance with the Fair Debt Collection Practices Act, 15 U.S.C. 1692 et seq., are prohibited from engaging in abusive, deceptive, and unfair debt collection efforts, including but not limited to : a ) the use or threat of XXXX ; b ) the use of obscene or profane language ; and c ) repeated phone calls made with the intent to annoy, abuse, or harass. 

If a creditor or debt collector receives a money judgment against you in court, state and federal laws may prevent the following types of income from being taken to pay the debt : 1. Supplemental security income, ( SSI ) ; 2. Social security ; 3. Public assistance ( welfare ) ; 4. Spousal support, maintenance ( alimony ) or child support ; 5. Unemployment benefits ; 6. Disability benefits ; 7. Workers ' compensation benefits ; 8. Public or private pensions ; 9. Veterans ' benefits ; 10. Federal student loans, federal student grants, and federal work study funds ; and 11. Ninety percent of your wages or salary earned in the last sixty days.

North Carolina North Carolina Department of Insurance Permit Number : XXXX Tennessee This collections agency is licensed by the XXXX XXXX XXXX, State Department of Commerce and Insurance, XXXX XXXX XXXX, XXXX, Tennessee XXXX.