Consumer complaint received 2026-04-06 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MA

Complaint narrative:
I had an apartment and fell behind on the rent. I went to court with the property managers lawyer and I agreed on the debt they were asking and I agreed to vacate the premises by XX/XX/XXXX to avoid eviction. The debt that was signed and agreed everything through XXXX XXXX including court costs. On the agreement for judgement I owed {$4600.00} plus XXXX in court cost totaling {$4900.00} through XX/XX/XXXX. I moved out XX/XX/XXXX as it was outlined. Now I have a collection on my account for a debt of {$7800.00} from this property and I didnt fall short on my agreement I moved out XXXX XXXX. I requested what documents Collection company FCO had that proves this and I sent them my court judgment to prove myself and I was told they dont get involved with court judgments. This doesnt make any sense because this is the legal bind I entered for this debt and there should be nothing more. I decided to examine this paperwork FCO has thats giving them the power to effect my credit in such a negative way manner and it doesnt match anything I have with my agreement for judgment. Furthermore as I entertain their paperwork the numbers dont even add up. The discrepancies that I found that contradicted themselves on this paperwork goes as followes : on this lease and ledger my lease is for {$3000.00} a month Im charged XXXX times for a grand total of {$3200.00}. I have a concession discount listed for {$1200.00}. I was given it in pieces then taken away for a final concession of {$520.00}. So instead of {$1800.00} I was charged {$2700.00} for rent. This would also change the amount of the late fee Im charged since its a percent of that total. My was {$4300.00} for XXXX and no concession deducted and same for XXXX and their paperwork doesnt explain why. This would also cause an increase in late fees for both of these months due to increase and it being a percentage of those figures respectively. Also XXXX days after the court judgement I was charged legal fees XX/XX/XXXX times on XX/XX/XXXX {$770.00}, {$770.00}, {$340.00} and this makes no sense since I was already charged and agreed on this cost in the judgment. Theres no paperwork given to me that even backs these charges up their just listed on the ledger generically on XX/XX/XXXX. I vacated XX/XX/XXXX but Im charged {$290.00} for rent for XXXX also {$120.00} for utilities this month. I shouldnt be charged for any of these utilities listed on this document at all. This is a generic paper Im presented doesnt even prove I even accrued these charges and they should all be removed if FCO cant produce utility bills that show I even did this. furthermore if you look at the figures of these charges some are exact numbers down to the cents repeated for different months. I find that highly unlikely Im able to use the exact amount of whatever utility they are trying to charge me. I am charged a {$50.00} dollar processing fee every month for these utilities as outlined in the lease agreement but I dont see anything being processed so o would like proof of these utilities or have them and this processing fee removed. For these reasons its difficult to even put a figure on how much I was overcharged once I vacated and how much this document was baseless exaggeration. To reiterate my argument I settled my costs in court with the property managers attorneys that covered the time I occupied this apartment and I feel it is not fair that I have to take such a blow on my credit report for someones wild imagination.

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