FBCS, Incorporated

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

August 21, Dear [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***

July 6, Dear [redacted] :We are in receipt of your E-mail dated June 24, 2015.FBCS, Inchas searched our records using [redacted] ’s name, address and phone that he provided and we have no record of him on fileIf [redacted] could please provide us with more information to clear this matter up, we would appreciate it.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] ***

September 16, 2015Dear *** ***:We are in receipt of your
E-mail dated September 14, 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***

November 20, 2015Dear *** ***:We are in receipt of your
E-mail dated November 13, 2015.FBCS, Inchas ceased all
communication with *** ***We have ordered validation documentation
from our client and will send to *** *** as soon as we receive itWe
are not the reporting
agency for 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***

January 25, 2017Dear *** ***.We are in receipt of your letter dated January 18, 2017.FBCS, Inchas requested documentation from our client per *** ***'s requestNo more calls will be made to *** ***We will mail out the requested documentation once received.We are sorry for inconvenience
this may have causedIf I can be of any further assistance, please do not hesitate to contact me at the number listed below.Sincerely,Marilyn K.This is an attempt to collect a debtAny and all information will be used for that purpose

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

[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 ***, and find that this resolution is satisfactory to me I will watch the credit files to ensure that this gets deleted Appreciate your rapid response in regards to this matter.
Regards,
*** ***

[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 ***, and find that this resolution is satisfactory to me. The item is no longer showing on my *** Credit Report
Regards,
*** ***

We have asked our client to provide validation of the debt to the consumer. Our client will mail the validation to the consumer at the address provided in the complaint. The consumer's account will remain on hold in our office. We do not report to the credit bureaus for this client
and have no control over reporting

November 20, Dear *** ***:We are in receipt of your
E-mail dated November 13, 2015.FBCS, Inchas ceased all
communication with *** ***We have ordered validation documentation
from our client and will send to *** *** as soon as we receive it
We
are not the reporting agency for 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***

[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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

FBCS does not work directly for the original creditor which is why they are not familiar with our company. We work for *** who in turn was hired by the original creditor. We have placed the consumer’s account on hold in our office until we hear back from them that they would like
to resolve this account

March 23, Dear *** ***:We are in receipt of your
E-mail dated March 12, 2015FBCS, Incdid send a Letter
of Representation to the consumer on 12/16/with account detailsFBCS,
Inchasn’t received a mail return for the correspondence that was issued
We have also requested for
documentation from our client to be sent to the consumer on 3/13/2015.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 ***, and find that this resolution is satisfactory to me.
Regards,
*** ***

October 27, 2016Dear *** ***.We are in receipt of your letter dated October 24, 2016.FBCS, Incspoke with *** *** on October 22, this was our first contact with *** *** *** did tell FBCS, Incthat this was a wrong number, we removed her number off the file that dayWe have
not had any other contact with *** *** from this pointWe have ceased all communication with *** ***.We are sorry for any inconvenience this may have causedIf I can be of any futher assistance, please do not hesitate to contact me directly at the number listed below.Sincerely,Kelli Z

From: *** and *** ***Date: Fri, Aug 21, at 10:AMSubject: Re: You have a new message from the Revdex.com of Metro Washington DC & Eastern Pennsylvania in regards to your complaint #***.To: "[email protected]"
I have not replied yet because the company told me that they would be sending out information for the debt and I have yet to receive itThey have not resolved anything nor put in any kind of effort to get us the information on this invalid debt*** ***
The Taylors

We are in receipt of your E-mail dated October 15, 2015.FBCS, Inchas closed the account and returned to our clientWe cannot remove this account from the *** we are not the reporting agency. 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***

[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: ***
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,
*** ***