Consumer complaint received 2018-01-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NY

Complaint narrative:
This is two prong collection complaint I have against Fair Collection and Out ( Fair Collections ) which is located ay XXXX XXXX XXXX XXXX XXXX XXXX MD XXXX. They are both rent related matters. Telephone number : XXXX XXXX In short, in 2016 I moved my family into the XXXX XXXX XXXX at XXXX XXXX XXXX XXXX NY XXXX, It was a disaster from day one due  to construction ( which they failed to notify me of ) and multiple issue that had great impact on my young daughters XXXX. It was a battle from day one and the building did nothing to help settle nor resolve the issues I was forced to leave and left with a rent debt that i believed we did not owe due to the circumstances. Simultaneously that year I was the guarantor of my mother XXXX XXXX lease at XXXX XXXX XXXX XXXX XXXX NY XXXX. Both buildings were owned by the same company. 
Unfortunately, in 2016 My mother XXXX XXXX and iI lost my job. As stated above, we moved out of the apartment ( and state ). The landlord sued me and my wife. I could not afford an attorney and could not represent myself properly. They took a judgment against me and my wife. From that point on, Fair Collections undertook an aggressive phone and mail campaign to collect the debt they claimed they purchased from the Landlord, Not only did Fair Collections harass me, they called relatives, forma work locations, my guarantor, family members, and any other person or locations they believed I was located. It was daily and constant, multiple times daily. It was awful. I desperately tried to negotiate and hold them off but to no avail. They simply would not listen and applied high pressure tactics. They threatened my apartment guarantor and harassed him ( and his family ) to the point were he paid {>= $1,000,000} to Fair Collections to leave him and his family alone and resolve his potential liability. 
Despite collecting {$15000.00}, Fair Collections continued the harassment. They hit mine and my wife 's credit ( and continue regularly ) for {$28000.00} for the purported XXXX XXXX debt and {$10000.00} for what they claim my XXXX mother owed. Of course our is destroyed and i am still out of work. I have called Fair Collections several times to try to negotiate to remove these debts but to no avail. Today I attempted again only to be told I could pay a total of {$22000.00} to resolve both debts. More importantly, the representative said that even if i paid they would not remove it from our credit reports but would simply mark the matter resolved for a lesser amount. I explained I simply did not have anything near that amount and was still out of work. I explained I had a friend who could lend me a few thousand to resolve the matter. I explained that the debts reporting is destroying our credit and not allowing my family to move forward. The agent simply said no and that they would continue to hit my credit ( as they just did this month ) I simply do not understand how they can continue to pursue debts that are improper, debts they have collected on already. debts they contuse to use to destroy our credit, and debts they will not reasonably try to resolve considering the circumstances.

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