Consumer complaint received 08/28/2017 about Debt collection (Mortgage debt) with FAIR COLLECTIONS & OUTSOURCING, INC. (NC).
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint: In XXXX, the company that purchased the property where I was residing, XXXX XXXX XXXX XXXX XXXX, Ca XXXX, was XXXX XXXX XXXX XXXX XXXX Homes XXXX. They sent their representative XXXX XXXX to my home to notify myself, and the other tenant, that our residence had been purchased at auction and that they wanted to inspect it. 

After the inspection was complete, XXXX XXXX advised me that the property could no longer be rented in it 's current condition. XXXX upgrades and safety repairs were needed to be completed prior to renting the property again. 

It was at that time I was offered the attached " XXXX for Surrender of XXXX in XXXX of XXXX ''. This agreement states that due to the short notice, NO RENT will be charged for the months of XXXX XXXX through XXXX XXXX, XXXX. In addition, I was offered {$1000.00} to vacate the property by XXXX XXXX, XXXX. 

I agreed and signed the attached agreement provided by XXXX XXXX, on XXXX XXXX, XXXX. I also provided XXXX with a copy of my California XXXX XXXX with a date stamp ( attached herein XXXX to provide to his employers. On XXXX XXXX, XXXX, the day that I surrendered the keys and vacated the premises, I was given a check for {$1000.00}. 

I received the attached letter dated XXXX XXXX, XXXX, from Fair Collections and Outsourcing of XXXX XXXX on behalf of XXXX XXXX XXXX to collect money allegedly owed. I contacted them right away and sent them a fax copy of the agreement. A representative told me not to worry about it, she would resolve it with the creditor. I heard nothing about it until recently, XXXX XXXX, whereas I attempted to apply for a home loan and it appeared on my credit report provided by my loan agent ( see attached ). 

I have sent another copy of the attached agreement on XXXX XXXX, XXXX to the XXXX Department XXXX XXXX XXXX and Outsourcing of XXXX XXXX and they stated that they forwarded my documentation provided to the creditor on the same day. I was also informed that the creditor would have XXXX calendar days to respond and if they did not receive a response then they would remove this from my credit report. In addition, I have asked for the documentation showing that I owe this debt and the representative simply stated that it is for the month XXXX XXXX rent but could not provide me any rental or lease agreement. I reminded her that I provided a letter of agreement to the contrary but she states that she will still have to discuss it with the creditor. To date, I still have not been provided any documentation showing I owe this debt. 

When I called today for status on this situation I was given the run-a-round and inconsistent information. The representative on the phone was unprofessional, rude, and was yelling at me. She states that she does not think that the 30 day rule applies to me as they have had this account for a very long time. 

Due to it 's nature, this XXXX negative reporting is disqualifying me from getting the assistance I need to purchase a home. 

I have received no assistance or good faith efforts from XXXX XXXX and XXXX to correct this issue and it feels as if they are strong arming me into paying a debt that I do n't owe in order to qualify to purchase a home.

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