Consumer complaint received 2024-03-25 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: NC

Complaint narrative:
This is a resubmitted complaint that will have additional information attached, as such here is a copy of the old complaint : Sometime around XXXX of XXXX  I was notified by this company, FCO insisting that I owe a debt that for an apartment complex known as XXXX XXXX XXXXXXXX. I had let them know that it was extremely incorrect, I had told them that the XXXX  at XXXX has been paid, they kept harassing me and I had sent them a letter to stop contacting me, but at some point I had also provided them with the receipts and court documentation that this matter had been resolved. I had also provided them all the information necessary to see that this is an unfair accusation. I have provided them with court documentation, Names of the XXXX and the organizations who were involved, receipts and everything else I could where as they have failed to provide me with any validations I have asked for including their license to practice in NC, documentation and validation of my original documents, validation from XXXX ( these being the portals we paid through ) That I told them to investigate, and they have demonstrated a lack of ability to understand the court documentation that WAS provided. They keep passing me around from manager to manager making me wait enormous amounts of time on the phone, only for them to say the same thing and tell me they will not provide me with any of the requested information or do any sort of investigating beyond asking the XXXX at XXXX if we owe the debt they say we owe. I have spoken to a XXXX XXXX, who is a manager, who keeps saying she simply doesn't understand what I'm trying to tell her, she then will transfer me to another manger who will start the process over again. I spoke to a XXXX XXXX and a XXXX XXXX whom said she was a manager and I provided her with all the information listed above, the organization, their names, a court document that she admitted to not understanding. I asked her that if she does not understand and has not had a lawyer review it that it has been over 30 days and it needs to come off. I spoke to a XXXX XXXX who had personally attacked and demeaned me who said that despite the proof I had given them and simply asked if he could do a fair investigation and if he understood the legal document he responded by telling me that he did not know, that " It's your fault, pay up! '' and " You're just mad because you know you owe this money and can't accept it, I'll be happy to get a negotiator for you. '' I told him that I did not owe this loan so I will not pay. They also knew this was in serious dispute while I was providing them with the information and they still put it on all 3 of my credit reports. When he transferred me to the negotiator they were rude, smug, laughing at me and I have witnesses to prove this. I have asked them repeatedly why they put this on my report when I was in the process of disputing it, all he could do was badger me telling me that I'm wrong and that I need to " pay up '' and that he wants to negotiate the loan, every time I said I did not owe anything he would just repeat that " Yes you do '' They look like they are not interested in any evidence or investigation, they simply want someone to pay for the bogus debt they were duped into buying regardless if it is the truth or not, they come off as more of a XXXX  than a company.

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