FBCS, Inc

This person calls me every time asking why I didn't pay my bill and I said when you send the bill I will pay for it but meaning that I'm tribal they will pay for it.

Review: FBCS, Inc. has placed a collection item on my [redacted] credit report and done so without contacting me before-hand. I sent a letter on 9.6.2014 to them detailing this:

To: FBCS, Inc.

From: [redacted], OH [redacted]

9/6/2014

It has come to my attention that your company FBCS has placed a collection item on my [redacted] credit report, and you have done so without contacting me in any way; this letter is to place your company on notice that this is a violation of Federal law and any and all negative trade lines must be removed from all 3 credit reports [redacted] as well as [redacted] & [redacted] asap. Failure to comply will result in an immediate filing with the Revdex.com as well as the Attorney General of PA. I do not contract with FBCS!

You are hereby notified under the provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that your services are no longer needed or desired in this matter.

1) You and your organization must CEAST & DESIST all attempts to collect the above debt. Failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and this state Attorney General's Office. I will pursue all criminal and civil claims against your company.

2) Let this letter also serve as your warning that I may utilize telephone-recording devices in order to document any telephone conversations that we may have in the future.

3) Furthermore, if any negative information is placed on my credit bureau reports by your agency after receipt of this notice this will cause me to file suit against you and your organization, both personally and corporately, to seek any and all legal remedies available to me by law. Since it is my policy neither to recognize nor deal with collection agencies, I intend to settle my account with the original creditor, if I ever am able and the statute of limitations hasn't run out.

Sincerely:__________________________________

[redacted]Desired Settlement: Remove negative FBCS, Inc. item from all 3 Credit Bureaus - [redacted] & [redacted] ASAP. Failure to to so will result in me filing a complaint with the PA Attorney General's Office and as well as the Federal Trade Commission (FTC).

Business

Response:

September 18, 2014Dear [redacted]:We are in receipt of your

E-mail dated September 16, 2014.FBCS, Inc. has ceased all

collection activity on the above account since receipt of this complaint. We

have also forwarded a copy to our client. A deletion code was sent to all

Credit Reporting agencies.We are sorry for any inconvenience

this may have caused. If I can be of any

further assistance, please do not hesitate to contact me directly at the number

below.Sincerely,John

N

Consumer

Response:

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the response. If no reason is received your complaint will be closed Administratively Resolved]

Review: [redacted]

I am rejecting this response because: When I have a receipt of the deletion request send to [redacted] & [redacted] and my credit monitoring has verified that this item has been deleted, then I will consider this matter closed.

Regards,

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. The item is no longer showing on my [redacted] Credit Report.

Regards,

Review: I spoke to severl agent and supervisors at FBCS and their client [redacted] asking them to delete a colletion account from my credit report upon payment. The company stated thatthe company stated it was illegal to delete the account according to the Fair Credit Reporting Act and that statement in itself, is actually a violation of the Fair Credit Reporting Act. Following is a list of the dates and people I spoke to and contacted:Agent-Bill M[redacted] on August 26, 2014Supv-Lynette Rios on August 28, 2014Supv-Glenn L[redacted] on Sept 2, 2014Agent-Lisa on September 4, 2014Agent-Rob on September 5, 2014Supv- Larry on Sept 8, 2014Desired Settlement: FBCS to delete the collection account from my credit report after payment is submitted. I would like an official confirmation letter from them first stating this will happen.

Business

Response:

September 18, 2014Dear [redacted]:We are in receipt of your

E-mail dated September 15, 2014.FBCS, Inc. has ceased all

collection activity on the above account since receipt of this complaint. We

have also forwarded a copy to our client. A deletion code was sent to all

Credit Reporting agencies.We are sorry for any inconvenience

this may have caused. If I can be of any

further assistance, please do not hesitate to contact me directly at the number

below.Sincerely,John N

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: This company is in severe violation of the FCRA guidelines which could enable litigation. The dates reported to Experian are completely false and do not represent anywhere even close to the date of original default. This debt defaulted over 7 years ago and antedates the 7 year reporting period. The dates reported have been illegally manipulated to re-age an old zombie debt.Desired Settlement: Remove immediately and cease & desist any future collection activity

Business

Response:

August 25, 2014Dear [redacted]:We are in receipt of your

E-mail dated August 20.FBCS, Inc. has ceased all

collection activity on the above account since receipt of this complaint. We

have also forwarded a copy to our client. A deletion code was sent to all

Credit Reporting agencies.We are sorry for any

inconvenience this may have caused. If I

can be of any further assistance, please do not hesitate to contact me directly

at the number below.Sincerely,

Consumer

Response:

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

First off I want to say that the reason for having to deal with this company is 100% my fault I got into some financial problems and one of my accounts ended up in this office. That being said I sent up a payment arrangement with this company and from the beginning I told them I wanted a contract sent to me with all of the payments listed on it so that I knew how many payments I had. I never received the letter I requested so after my payment that came out on august third I contacted them asking how many payments I had left and I was assured that that payment was my final payment well here we are in September and they take out another payment and I contact them and now they say that this was my final payment. I was warned about working with these companies without legal help and for the most part I have had no problems but with FBCS they will steal from you obviously I am trying my hardest to get my finances in order and companies like this make it very difficult.

Review: I have been receiving phone calls from the following phone numbers:

###-###-####, ###-###-####, and ###-###-####

I do not answer the calls, and no message is left. I called the numbers and get a recording that it's to a business "FBCS." I have no idea who this company is, not do I understand why I receive several calls a day from those numbers.

I did a search on the phone numbers, and find it is to a company "Federal Bond & Collection Services, Inc."

I absolutely have no idea who this company is, and since they leave no message, I do not know why they are calling my number.Desired Settlement: FBCS is to immediately cease and desist from contacting me any further. I am on the Do Not Call list.

Business

Response:

March 4, 2014

Dear [redacted]:

We are in receipt of your fax dated 3/4/14.

FBCS, Inc. has ceased all phone calls and collection activity on the account.

If I can be of any further assistance, please do not hesitate to contact me directly at the number below.

Sincerely,

Review: Today I checked my credit report, and there was a collection from the company federal bond and collection. I have never heard of this company, I have never received any information pertaining to the bill or collection in question. I have no idea what it is from, or where it came from. It said the account was opened in May, From something out of the state I live in! I suspect it is fraudulent, or extremely old--especially because I just dealt with a collection from the same company, [redacted] Corporation, that was taken off my credit report for the same reason...not mine, and no knowledge of it! I am not pleased with the federal bond and collection, they have failed to attempt an explanation of my "supposed debt." I would like this removed immediately from my credit report, and for the company to never contact me. This has interfered with my life twice this month, and it is sickening. If this matter is not resolved in a timely matter, I will have to contact an attorney. This practice of not contacting and ruining someone's credit is unjust.Desired Settlement: Remove from all credit agencies, no contact, explanation of "supposed debt" and most of all stop reporting this unjust debt to credit angencies

Business

Response:

August 6, 2014Dear [redacted]:We are in receipt of your

E-mail dated August 4.FBCS, Inc. has ceased all

collection activity on the above account since receipt of this complaint. We

have also forwarded a copy to our client. FBCS, Inc. will delete from the

credit bureau as a dispute.We are sorry for any

inconvenience this may have caused. If I

can be of any further assistance, please do not hesitate to contact me directly

at the number below.Sincerely,Daniel S

Consumer

Response:

[A default letter is provided here which indicates your acceptance of the business's response. If you wish, you may update it before sending it.]

I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.

Regards,

Review: I found an inquiry on my personal credit report from this company. They are NOT authorized to access my personal credit information and I am filing a compliant with the Consumer Financial Protection Bureau.Desired Settlement: ANY further attempt by this company to access my personal information or contact me will result in further action.

Business

Response:

August 25, 2014Dear [redacted]:We are in receipt of your

E-mail dated August 19.FBCS, Inc. has ceased all

collection activity on the above account since receipt of this complaint. We

have also forwarded a copy to our client. A deletion letter for the inquiry has

been sent to all Credit Reporting agencies.We are sorry for any

inconvenience this may have caused. If I

can be of any further assistance, please do not hesitate to contact me directly

at the number below.Sincerely,John N

Review: I received a letter from this company for a settlement on a bill that doesn't exist. It is on a closed bank account from 4 years ago. this "collection" isn't even on any of the 3 major credit reports in which I just pulled 3 days ago.Desired Settlement: please have this company stop contacting me

Business

Response:

December 18, 2013

Dear **. [redacted]:

We are in receipt of your fax dated December 13th.

FBCS, Inc. has ceased all collection calls and activity on this account.

We are sorry for any inconvenience this may have caused. If I can be of any further assistance, please do not hesitate to contact me directly at the number below.

FBCS recently started reporting on an account on both Experian and Equifax, that is nearly 6 years old. It is showing the account open date at 12/30/2015. Considering the account is a medical bill from when I lived in Florida 6 years ago and now I am active duty military, there is absolutely no way that the account is from this date. The last time it would be from would be early 2010. I've disputed this through the credit bureau with zero luck. I've also called the company and left multiple voicemail's and not a single one has been returned. FBCS has made zero attempt to contact me. No letters, no calls, just random updated reporting on my credit report. I am getting ready to move overseas because of the military and this has greatly hurt my credit score which is very important for renting homes and buying a car once I get overseas.

Review: This women named [redacted] called today to say I owed a bill for $230 to [redacted]. when I asked for the information to back up what I owed which I believe has been paid in full already she informed me that she does not have a employer number whom gave her the account to collect on and I need to just pay what I owe. Again I asked for proof of what I owed and they told me to search my own records and show them the proof. I asked them to send me a bill in the mail and they said I need to pay them now I refused and hung up if they provide people with the truth things might get agreed upon. Sincerely, [redacted]Desired Settlement: DesiredSettlementID: Other (requires explanation)

They need to provide the information to back up their collection and send me proof in the mail they have my address since they had my phone number.

Business

Response:

October 7, 2013

Dear **. [redacted]:

We are in receipt of your fax dated October 2nd.

FBCS, Inc. has ceased all collect calls and activity on this account.

We are sorry for any inconvenience this may have caused. If I can be of any further assistance, please do not hesitate to contact me directly at the number below.

Sincerely,