Business Profile

Collections Agencies

FBCS, Incorporated

Headquarters

This business is NOT BBB Accredited.

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Complaints

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

Customer Complaints Summary

76 total complaints in the last 3 years.
0 complaints closed in the last 12 months.

If you've experienced an issue

Submit a Complaint

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:03/07/2023
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.
This company sent me a letter regarding an old credit card debt for $2,184.77 USD, on 02/20/2023. In the letter, the company states the following: "Our client has authorized us to accept a reduced amount to resolve your account. We can accept this reduced amount under your preferred option. Option 1: Pay the reduced amount of $546.18 to us in one payment." On 03/06/2023 I visited the link that they provided on the letter and selected the option to pay the reduced amount in full, and then I actually paid the reduced amount in full, $546.18. I visited their site a few days later to view my account, and I am seeing that they merely subtracted the $546.18 from the total $2,184.77, and their site is showing that I still owe the remainder. Their site is showing that my account is NOT resolved. I have attempted to contact the company regarding this, but to no avail. On their site, they have a form where you can dispute, report fraud, or attempt to get someone to email you. I tried all of these options, but no one has contacted me. I have tried to call them within their listed business hours, but their automated phone system informs me that they are not open. I would like to either have my payment recognized and account resolved, or receive a full refund on this payment that was made with the expectation of having my account resolved when it did not result in my account being resolved.
Business Response
Date: 03/27/2023
This account was closed and returned to our client as settled in full. We have also mailed a receipt letter to the consumer.
Customer Answer
Date: 04/13/2023
[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:03/07/2023
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.
Received phone call from caller-id stating "FBCS." Answered as I believed this may have been a travel contract I was inquiring on. They only responded hello, to which I replied. She then identified herself as "***************" and was "on a recorded line." Wishing to speak with a said party, told her I cannot confirm that the number she is calling is in relation to the person she wishes to speak with. She refused to identify what her motive was with the call. And abruptly hung up on me. I seen they have a 1.5 star review out of 5, explains everything. They call me again, I'll be getting the attorney general involved.
Business Response
Date: 03/27/2023
The call was regarding a personal business matter for ****************************** In order to release any additional information we are required to validate we have the correct party on the line.
Initial Complaint
Date:02/23/2023
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.
Received a letter from FCBS, Inc on 1/10/2023 reference ********* offering to settle and resolve a debt from ******* hospital account ************ for 60% off of $1526.58. Letter states "Our client has authorized us to accept a reduced amount to resolve your account. We can accept this reduced amount under your preferred option". On 2/13/2023 I called the number provided ************** and spoke to ********************************* who provided his phone number of ************. During the recorded phone call I asked him if this payment would close this account and remaining debt and he confirmed this would settle the debt. The agreement was a 60% off payment at $610 to resolve. ****** then stated that I had another account through FBCS, Inc from ** ******* account ************ for $439.80. He stated that he would accept a 60% off for this amount as well and settle the account for $175.92. I paid $786.55 to resolve both accounts on 02/13/2023. On 02/23/2023 I received a letter from FBCS, Inc dated 02/14/2023 stating that I made a $610.63 payment on the $1526.58. It shows that I owe the full $439.80 for account 2 and the $175.92 is not listed. I have the letter offer of resolving this debt as well as the payment statement for this transaction. I want my accounts closed as resolved and no further contact about this matter.
Business Response
Date: 03/17/2023
Both accounts have been closed in our office as settled in full.
Customer Answer
Date: 04/03/2023

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:01/25/2023
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.
I am receiving phone calls with caller ID **** from ************, ************, ************, ************, ************. I know I have no debt in collection or ever will. I have not answered any of the calls and let the phone go to voice-mail. They do not leave a message.
Business Response
Date: 02/22/2023
**** has removed the phone number provided in this complaint from our system of record.
Initial Complaint
Date:01/24/2023
Type:Service or Repair 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.
Has called my home 5 times today within an hour. Also calling my son's phone. I have asked them to stop calling 3 times now today.
Business Response
Date: 01/27/2023
The number provided in the complaint was removed from our system on 01/12/2023. No calls have been made to that number since that date.
Customer Answer
Date: 01/27/2023
[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: No one ever called me. They still owe me my refund or items. Keep getting excuses by email saying they are working on it. It has been since Nov.21,2022.

Regards,

*******************
Business Response
Date: 03/27/2023
We are unsure what refund or items the consumer is referring to.
Initial Complaint
Date:01/10/2023
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.
I have received over a dozen calls from FBCS and was asked to confirm my identity and address, when I asked who's calling, they refused to identify themselves. When asked for thier licence number, name, etc, they responded that the information was "not available". They asked to confirm my address and that too was incorrect. But when I said "go ahead", without confirming, they hung up. I have almost zero debt, and a 810 credit score. I pay ALL my (valid) bills proptly. This is either a phishing attempt or an attempt to collect on a "debt" that either doesn't exist or is a false or invalid claim. I have since blocked all calls from FBCS, but thought it best to report it to the BBB, as was suggested. This, by all appearances, seems to be some kind of scam.
Business Response
Date: 01/27/2023
The information provided matches an account in our system of record. In order to discuss the details we need the consumer to verify their identity before we proceed with giving out the information. The consumer can contact our office and ask for a supervisor or manager so they can review the information with him.
Customer Answer
Date: 02/02/2023
[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:
I had already verified MY identity and had only asked them to identify theirs, they wouldn't, and also requested further information, which they declined to provide.

Regards,

*****************************
Business Response
Date: 03/21/2023
In order to proceed with releasing information we would need the consumer to verify certain pieces of their identity. Once that is completed we can move forward with discussing the information we have.
Initial Complaint
Date:12/28/2022
Type:Customer Service 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.
Continuous calls from this number person very rude just as a personal business matter claiming the ******* does not give much detail very belligerent argumentative but does not give any detail demanding. Simply asked if they could mail any information to them meaning myself I wouldn't proof in writing and hang up and become rude they continue to harass every time I asked to have something physically sent to me as proof
Business Response
Date: 01/03/2023
A letter has been mailed to the address we have on file.
Initial Complaint
Date:12/21/2022
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 asking that I make an immediate payment over the phone for a credit card debt on a credit card I don't think I ever had. When I declined to give bank info to a random person who called me they said I could pay via their website. I went to the website and accepted an offer presented to me. When I tried to actually make the payment I got an error stating "This account cannot accept payments online." I don't believe this is a valid debt and they will not allow me to accept pay on the offer they presented. I do want them to remove this claim of debt and refrain from contacting me moving forward.
Business Response
Date: 01/03/2023
Our records indicate the consumer made an online payment on 12-21-2022. We have notated the consumer's request for no more contact and closed the account back to our client.
Initial Complaint
Date:12/20/2022
Type:Service or Repair 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.
On 20 December, 2022, I received a call from someone named *********************************(? The last name may be wrong). They asked me who I was, I asked what they wanted. This gentleman told me that it would be illegal to give out that information until I confirmed who I was. I told him that I would not confirm who I was without knowing what they were looking for, expecting that to be the end of the phone call. ********* then proceeded to tell me in full detail the reason that he called, information that I was told was illegal to give out without a confirmation of who I was. This is a clear violation of consumer privacy laws. The call was recorded, and I asked *********'s supervisor to have access to that recording, and she denied my request.
Business Response
Date: 12/20/2022
Unfortunately, we were not provided with sufficient information to locate the account you are referencing.

Please provide us with any of the following information so that we can locate your account and proceed with your request:

File Number
Social Security Number
Phone Number we Contacted you on
Address where you received a letter from us
Customer Answer
Date: 01/03/2023
[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:
That is an obvious lie. I have not received any calls from said business since that interaction, because I informed them on the call that they were in violation of the law that they informed me of. All of their calls are recorded, and the exact date and time of the call (12/20/22 12:39pm MST) were provided
Regards,

*********************
Business Response
Date: 01/10/2023
If the agent was informed on the call not to call the number, they removed it from our system. For the purposes of locating the information for this complaint we cannot locate the account which is why we asked for the additional information.
Customer Answer
Date: 01/25/2023
[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:

The agent was not instructed not to call the number, and that is not even the point of the complaint. The point is the company violating the law.
Regards,

*********************
Initial Complaint
Date:12/12/2022
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 WAS CONTACTED BY ******* FROM FBCS SAYING I OWE 1,487.00 I DO NOT UNDERSTAND BECAUSE THIS IS NOT ON MY CREDIT SCORE AND WAS TOLD THAT THIS IS OVER A FEW YEARS OLD AND HAVE NEVER BEEN CONTACTED BEFORE. SHE ASKED FOR MY ACCOUNT AND ROUTING NUMBER IN ORDER TO GET A DISCOUNT TODAY AND TODAY ONLY. THIS IS NOT OK
Customer Answer
Date: 12/13/2022
I want this to be resolved. I want this to be ended. I do not want them to say I owe money.
Business Response
Date: 12/20/2022
FBCS has requested documentation from our client to send to the consumer for review.
Customer Answer
Date: 01/03/2023
[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,

*******************************

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FBCS, Incorporated is NOT a BBB Accredited Business.