Complaints

This profile includes complaints for FBCS, Incorporated's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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• 

  FBCS, Incorporated

  330 S Warminster Rd Ste 353 Hatboro, PA 19040-3433

• 

  FBCS, Incorporated

  3860 Bayshore Rd Ste 8 Cape May, NJ 08204-3200

• 

  FBCS, Incorporated

  3802 Corporex Park Dr Ste 160 Tampa, FL 33619-1135

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:06/04/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have been reached out to by this company. The man was rude and demanded I confirmed who I was and then proceeded with just give me the last 4 of your social and date of birth I have them both anyways? Weird. I have zero debt! I resolved this with a lawyer years ago.

  Business Response

  Date: 06/27/2023

  ************************** account was placed with our office on 05/19/2023 for collection by our client.  When speaking to a consumer to ensure we have the correct party on the line, we ask the consumer to verify 2 pieces of information. This is to confirm that we have the correct party on the line and do not release any information to an incorrect person.
  

  We have notated that this was resolved with a lawyer years ago and have placed the account on hold pending review by our client.

  Customer Answer

  Date: 07/07/2023

  [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.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *******************************
  

• Initial Complaint

  Date:05/22/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FBCS calls me ALL day EVERY day. I don't know who they are why they are calling. I answer they hang up. I block then all day long. They call from many many phone numbers. At this point it's harassment. I'm 69 years old and way to old for this nonsense. Please stop please

  Business Response

  Date: 05/31/2023

  FBCS has marked the account with the consumer's request for no further contact from us and we have closed the account back to our client.

• Initial Complaint

  Date:05/16/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Over the the 3 weeks the business has been contacting me. I have answered and explained the debt is not mine and stated that it was handled in court and gave them copies of the legal documents and everything. Told them I have not gone by the name associated on the account for over 2 years and that the accounts were opened as well without my knowledge. There has been holds on my credit as well because of identity theft and this can be verified however they keep calling and such saying I am still responsible for the debt. I asked for mailings as told by my lawyer to do and they gave me the address they have on file. I have not lived there since before 2020. Its getting ridiculous with the calls and stuff.

  Business Response

  Date: 05/21/2023

  We have forwarded this account back to our client for handling.  We have marked the account with the information provided by the consumer and will not longer be handling this account.

  Customer Answer

  Date: 06/07/2023

  [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.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *****************************
  

• Initial Complaint

  Date:05/15/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FBCS  calls me every day and never leaves a message. I would prefer an official letter regarding any debts. Please remove my number from your list. ************

  Business Response

  Date: 05/31/2023

  FBCS  has removed this phone number.

  Customer Answer

  Date: 06/02/2023

  [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.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *************************
  
  

• Initial Complaint

  Date:05/10/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  This business keeps calling my phone multiple times a day from different numbers! I’ve asked them to stop calling several times if I don’t answer the calls they start sending emails! They claim they are contacting me on behalf of ********* ******* but I haven’t received anything! If the calls and e-mails don’t stop I will be forced to file charges for harassment

  Business Response

  Date: 05/31/2023

  This account was closed and returned back to our client on 05/18/2023.

• Initial Complaint

  Date:05/08/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Today, I was informed that your company assumed ownership over a debt that I allegedly owe. I have not received a debt validation letter from your company. I dispute the validity of the debt and request verification of the debt including but not limited to the identity of the original creditor for the alleged debt; any agreements for credit made between the original creditor and me; any documents evidencing transfer of ownership of the alleged debt; the original account number and any subsequent account number(s) used in relation to the alleged debt; the amount of the alleged debt including each item allegedly charged to the account, when it was charged, and the amount that was charged for each item; and how you determined the amount of the debt that you say I owe. Please include any late fees, over limit fees, default interest rates, membership fees that you counted in figuring out how much I supposedly owe. Additionally, I have a disability and request a reasonable modification pursuant to the Americans with Disabilities Act. See also ******** ******** ***. v. **** ************ ***** of New England, 37 F.3d 12, 19-20 [1st Cir. 1994] (holding that "public accommodation" includes "providers of services which do not require a person to physically enter an actual physical structure"). Specifically, I request that all communications between your company and me occur through e-mail.

  Business Response

  Date: 05/31/2023

  FBCS was working this account on behalf of our client.  The account was placed in our office on 01/11/2023.  A letter was mailed to the address on file on 02/14/2023.  This account was recalled and returned to our client on 05/10/2023.

• Initial Complaint

  Date:04/22/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have contacted this agency numerous times for proof that I paid them. They collected a debt that I owed to a bank and my CREDIT REPORT keeps showing that I didn't pay. 4/13/2023 I spoke with someone again and they gave me the receipt line number. Each time they say that they sent a letter via mail or email, I NEVER get it. The same way that they called and harassed me about a payment plan and sent me a bill is the same way that they need to send a receipt ASAP, even if its certified mail! Stop sending people over to automated lines when real people on the phone can resolve an issue quicker. 5 days have gone by and still no emailed receipt yet..They are lying only input dates that we called. No proof of sending nothing to people who are trying to get their credit right. The funds were automatically drafted from my bank account

  Customer Answer

  Date: 05/23/2023

  I have finally received a letter from this agency! Thanks!!

• Initial Complaint

  Date:04/04/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  ***** ***** *** *** *** West Berlin, NJ, ***** 04/04/2023 FBCS, INC 330 S Warminster Rd, Suite 353 Hatboro, PA, 19040 Re: ********* Dear FBCS, Inc., I am responding to your contact about collecting a debt. You contacted me by mail, on 02/12/2023, which the letter I received today, which states, I owe ‘******* ********* ***** #****’ in the amount of $3430.37. I do not have any responsibility for the debt you’re trying to collect. Please provide all the documents (signed credit application with transaction receipt, merchant ID#, merchant address, date of purchase) you have received from your client. Additionally, copy of your business license and insurance to practice in New Jersey. Once I receive all the documents certified mail, I will file another dispute with CFPB for the record and will use all the documents you provide to me to file police report as soon as I receive them. I believe my identity was stolen and someone stole my information to buy a product from *******, which I believe police department can help us all investigate and get to the bottom of this debt. Additionally, I am writing regarding the above-referenced debt to inform you that I am disputing this debt. Please verify the debt as required by the Fair Debt Collection Practices Act. I am disputing this debt because I do not owe it. Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please contact the credit reporting agencies, inform them that the debt is disputed, and ask them to delete it from my credit report. Reporting information that you know to be inaccurate, or failing to report information correctly, violates the Fair Credit Reporting Act. Thank you for your cooperation. Please send all documents via certified mail. Sincerely, ***** *****

  Customer Answer

  Date: 05/10/2023

  No response received from the company.

  Thank you!

  Business Response

  Date: 05/22/2023

  FBCS has requested copies of the original documentation from our client and will mail those to the consumer upon receipt.  The account has been placed on hold in our office.

  Customer Answer

  Date: 05/26/2023

  [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 as Answered]
  
   Complaint: ********
  
  I am rejecting this response because: it is been over months since I initiated this complaint. I am not sure why they have to notify the client for documents to if the debt was already sold to them, and they  we're confident the debt is some how belongs to me. I am respectfully everything the debt collector have on this debt (beside simple statements with my name) that the debt in fact is mine, thus, I can evaluate the case and bring the documents to local authorities and or initiate court claim.

  The debt collector should already have all documents for valadation.
  
  Regards,
  
  *********************

  Business Response

  Date: 06/27/2023

  FBCS does not own this debt and is working this account on behalf of our client.  FBCS has requested copies of the original documentation from our client and will mail those to the consumer upon receipt.  The account has been placed on hold in our office.

  Customer Answer

  Date: 07/13/2023

  [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 as Answered]
  
   Complaint: ********
  

  I am rejecting this response because: it is been over months since I initiated this complaint. I am not sure why the debt collector have to notify their client for documents if the debt was already sold to them with proof, evidence from client? I am not sure how the company can confirm the debt is some how belongs to me?

  I am respectfully requesting everything the debt collector and their client have on this debt (beside simple statements with my name) that the debt in fact is mine, and I was the responsible party for the debt. Once I receive the original contract, item purchased, merchant information, date, time etc, statements etc., I will be using the information to file an official police complaint for record and bring the matter to civil court for resolution once the debt collector file their initial court complaint.

  The debt collector should already have all documents for validation and should have not taken this long to provide me with information I am entitle to.
  
  Regards,
  
  *********************

  Business Response

  Date: 08/08/2023

  As we did not receive the requested documentation from our client, we have closed and returned the account to them for handling.

• Initial Complaint

  Date:03/23/2023

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FBCS called me from a Atlanta number and the company is based in Pennsylvania. When I called inquiring about why they called me the lady was EXTREMELY rude. I explained to her why I was calling and that I researched the company and I wanted to know what they wanted. Her response was "well if you researched the company you should know." First of all obviously I'm asking what "debt" they are referring to. As I was trying to speak she cut me off rudely and abruptly and treated me like I'm some street urchin. She chose the job not me, she then stated I owed 630 dollars and she could take a check over the phone . I told her that I did not feel comfortable casually giving them any type of money over the phone and that I would need some sort of valid proof as I had no idea about this supposed debt. She then snaps at me that a letter was mailed out the day before ! So they mailed a letter and then call me numerous times the next day??? She was so rude and nasty that I just ended the call and this is literally after she said their calls are recorded for quality assurance. RIDICULOUS.

  Customer Answer

  Date: 04/27/2023

  I have not received a response from the business about my complaint. No one has reached out to me . 

  Business Response

  Date: 05/21/2023

  Thank you for the opportunity to respond to this complaint.  FBCS has investigated the complaint and reviewed its records and provides the below response:
  
  FBCS, Inc. is a third-party collection agency.  The underlying account was opened on 11/20/2020 and was charged off on 09/14/2021. 
  
  FBCS, Inc. did review the phone call as well as the information provided in this complaint.  The agent did attempt to give the account information over the phone and when asked to send a letter, the agent did inform the consumer that a letter containing the information was mailed out the day before.  The account was closed and returned to our client on 03/29/2023.

• Initial Complaint

  Date:03/09/2023

  Type:Billing Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  FBCS calls me numerous time a week and never leave a message. They called again this morning (03/09/2023), and upon answering, the lady on the phone kept asking me to confirm my name and address without telling me who they are and what business they're calling about. I told her repeatedly that I would not confirm anything with her unless she told me who she was with and why she was calling. She then started saying birthdates and I kept saying I was not confirming anything. The woman was rude and then stated that she couldn't help me and then hung up on me. If this were legit and done correctly, I would have received a letter in the mail, and they would have immediately identified who they were and why they were calling. When you answer, it takes a minute for someone to come on the line and you can hear all the other employees speaking in the background, like this is some robocall waiting for the next victim to answer the phone. Do not call me again.

  Business Response

  Date: 03/27/2023

  We marked the consumer's request for us to cease and desist and have closed and returned this account back to our client.

  Customer Answer

  Date: 04/11/2023

  [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.]
  
  Better Business Bureau:
  
  I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me. 
  
  Regards,
  
  *********************