FBCS, Incorporated

August 6, 2014
Dear [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

November 24, 2015
Dear [redacted]:We are in receipt of your
E-mail dated November 19, 2015.FBCS, Inc. has 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[redacted]

We are in receipt of your E-mail dated April 25, 2016. FBCS, Inc. has received the fraud packet from Mr. [redacted]; we have sent that packet to our client for them to review. FBCS, Inc. we have sent for the deletion 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[redacted] ###-###-#### ext-3242

December 7, 2015Dear [redacted]:We are in receipt of your
E-mail dated November 25, 2015.FBCS, Inc. has closed the
account and returned to our client. We cannot remove this account from the CBR
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[redacted]

We have removed the consumer's postdates that she had setup on her account.  We have also notated her request for a cease communication. We will notify our client of both of these facts.

Our client has asked us to close this account in our office.  We have closed the account and sent it back to our client.  We are in the process of removing our trade line from the consumer's credit report.

[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]

December 22, 2014 
Dear [redacted]:We are in receipt of your
E-mail dated December 22, 2014. FBCS, Inc. has sent a Letter
of Representation to the consumer.We have also requested for
documentation from our client to be sent to the consumer.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 13, 2015Dear [redacted]:We are in receipt of your
E-mail dated October 28, 2015.FBCS, Inc. has closed the
account and returned to our client. It has also been deleted from 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[redacted]

November 24, 2015Dear [redacted]:We are in receipt of your
E-mail dated November 19, 2015.FBCS, Inc. has ceased all
communication with [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[redacted]

November 13, 2015
Dear [redacted]:
We are in receipt of your E-mail dated November 5, 2015.
FBCS, Inc. has 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 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]

Date Sent: 6/6/2015 3:48:54 PM[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] 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 6/3/2015 directly from FBCS, on their letterhead.   Regards,[redacted]

December 29, 2014 
Dear [redacted]:We are in receipt of your
E-mail dated December 29, 2014Unfortunately FBCS, Inc.
didn’t receive the original complaint that was filed on 12/09/2014.  The first complaint notice that was received
in our office was received on 12/22/2014 which FBCS, Inc. sent a response on
12/22/2014. FBCS, Inc. did send a Letter
of Representation to the consumer on 12/10/2014 with account details. FBCS,
Inc. hasn’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 12/29/2014, the
account has been placed on a hold status and no contact will be made to the
consumer during this time. 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

I am in the process of a buying a home so naturally I am making sure my credit report looks okay for when the loan processes. Unfortunately when checked today, shockingly I had 9 collection accounts that affected my credit score tremendously. I had no idea where the debts came from so after calling the debt agency it was was from when I was seen in the ER at a local hospital back in 2010 and 2009. I have never received a bill and have never been contacted by telephone from this company regarding these unpaid accounts or I would have definately taken care of it before buying a home. do I have any options?

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

May 15,
2015Dear [redacted]:We are in receipt of your
E-mail dated May 11, 2015.FBCS, Inc. has closed his
account and all contact with [redacted] has stopped.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

FBCS, Inc has contacted our client and the client is sending out the validation documentation on this account. Our client has also indicated that Mr. [redacted] has disputed this account on 3 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[redacted]###-###-####

[redacted] [redacted] [redacted]
 [redacted]
I am rejecting this response because:I do not owe any amount to this doctor.  I have attached my letter to my doctor's office and their response to this collection letter.  They agreed that it is fraudulent and concurred that I have had a zero balance for years.
[redacted]
[redacted]

August 7, 2015
Dear [redacted]:We are in receipt of your
E-mail dated August 3, 2015.FBCS, Inc. has sent a request
to our client for validation documentation to be sent to [redacted]. The
account has been placed on hold and no contact will be made to [redacted]...

[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[redacted]

November 24, 2015
Dear [redacted]:We are in receipt of your
E-mail dated November 19, 2015.FBCS, Inc. has ceased all
communication with [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[redacted]