FBCS, Incorporated

November 13, 2015Dear [redacted] :We are in receipt of your E-mail dated November 5, 2015.FBCS, Inchas ceased all communication with [redacted] We have ordered validation documentation from our client and will send to [redacted] as soon as we receive it.We are sorry for any inconvenience this may have causedIf I can be of any further assistance, please do not hesitate to contact me directly at the number below.Sincerely,Kelli Z***

November 13, Dear [redacted] : We are in receipt of your E-mail dated November 5, FBCS, Inchas ceased all communication with [redacted] We have ordered validation documentation from our client and will send to [redacted] as soon as we receive it.We are sorry for any inconvenience this may have causedIf I can be of any further assistance, please do not hesitate to contact me directly at the number belowSincerely,Kelli Z***

August 21, 2015Dear [redacted] :We are in receipt of your E-mail dated August 17, 2015.FBCS, Inchas sent a request to our client for validation documentation to be sent to [redacted] The client has informed us that they do not have documentation on this account, we have closed the account and deleted it from the CBR the AUD # is [redacted] .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,Kelli Z***

November 24, Dear [redacted] :We are in receipt of your E-mail dated November 19, 2015.FBCS, Inchas ceased all communication with [redacted] We have removed [redacted] ’s phone number from our records.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,Kelli Z***

[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.] Revdex.com: 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, [redacted] ***

FBCS, Inc has contacted our client and the client is sending out the validation documentation on this accountOur client has also indicated that Mr [redacted] has disputed this account on other occasions to which all disputes have been validated and handled It has also been deleted from the CBR.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,Kelli Z***###-###-####

February 22, 2016Dear [redacted] :We are in receipt of your E-mail dated February 22, 2016.FBCS, Inchas been in contact with [redacted] , we are not the reporting agency for this account our client is, so we cannot remove it from the CBR.We are sorry for any inconvenience this may have causedIf I can be of any further assistance, please do not hesitate to contact me directly at the number belowSincerely,Kelli Z

August 7, Dear [redacted] :We are in receipt of your E-mail dated August 3, 2015.FBCS, Inchas deleted this account from [redacted] ’s credit reportThe AUD number is [redacted] The account has been closed and sent back to our clientWe 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,Kelli Z***

[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.] Revdex.com: 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, [redacted]

Date Sent: 6/6/3:48:PM[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: Contrary to their attached statement claiming to have stopped communicating with me, I have received a demand letter dated 6/3/directly from FBCS, on their letterhead Regards, [redacted]

September 16, 2015Dear [redacted] :We are in receipt of your E-mail dated September 11, 2015.FBCS, Incon September 16, 2015, has removed account from [redacted] ***# [redacted] The account has been closed and sent back to our client.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,Kelli Z

December 21, 2015Dear [redacted] :We are in receipt of your E-mail dated December 4, 2015.FBCS, Inchas contacted our client and the client is sending out the validation documentation 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,Kelli Z

[redacted] [redacted] I am rejecting this response because: The company mailed me an old bill from an address in which I do not resideAlso, the bill does not prove that I opened the account with the creditor that the FBCS, Incorporated says placed the account with themThere was no signed contract between me and the original creditor included to validate the debtThere was nothing included that proves this company, FBCS, Incorporated, has the right to collect or to place this with the credit bureausThere was nothing to prove that I personally owe FBCS, IncorporatedI would like this debt removed from all credit reporting bureaus as soon as possible [redacted]

We are in receipt of your letter dated December 9, 2016.FBCS, Inchas ceased all communication with Mr*** There will be no more communication and FBCS,Inchas closed the file.We are sorry for inconvenience this may have caused If I can be of any further assistance, please do not hesitate to contact me at the number listed below.Sincerely,Kelli Z***

FBCS, Inchas ceased all communication with Ms.***We have closed the accounts and sent back to our client.We are sorry for any inconvenience this may have causedIf I can be of anyfurther assistance, please do not hesitate to contact me directly at the numberbelow.Sincerely,Kelli Z*** ###-###-#### ext-

December 7, 2015Dear [redacted] :We are in receipt of your E-mail dated November 25, 2015.FBCS, Inchas closed the account and returned to our clientWe cannot remove this account from the CBR we are not the reporting agencyWe 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,Kelli Z***

March 4, Dear [redacted] ***: We are in receipt of your fax dated 3/4/ FBCS, Inchas 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,

May 18, 2016Dear [redacted] :We are in receipt of your E-mail dated May 10, 2016.FBCS, Inchas stopped all communication with [redacted] The account is closed and being sent back to our clientWe have also deleted this from [redacted] ’s CBRWe 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,Kelli Z***

[To assist us in bringing this matter to a close, you must give us a reason why you are rejecting the responseIf no reason is received your complaint will be closed Administratively Resolved] Complaint: [redacted] I am rejecting this response because: This is not my account, it does not belong to me and there has never been an account with the amount or details listed by FBCSI have retained attorney [redacted] of Philadelphia to file legal action under the guidelines of the Fair Credit Reporting Act and will seek damages if this is not removed from all credit reporting agencies reports immediately Regards, [redacted] ***

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 officeThat 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 hadI 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 paymentI 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