Total CFPB complaints
4,366
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 4,366 complaints
FAIR COLLECTIONS & OUTSOURCING, INC. — Debt Collector Complaint Profile
CFPB complaint profile across 52 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about FAIR COLLECTIONS & OUTSOURCING, INC.
- Attempts to collect debt not owed
Attempts to collect debt not owed
1,871 complaints
- Written notification about debt
Written notification about debt
752 complaints
- False statements or representation 673
False statements or representation
673 complaints
- Took or threatened to take negative or legal action 323
Took or threatened to take negative or legal action
323 complaints
- Cont'd attempts collect debt not owed 173
Cont'd attempts collect debt not owed
173 complaints
- Disclosure verification of debt 104
Disclosure verification of debt
104 complaints
D
Grade D · 53.0/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about FAIR COLLECTIONS & OUTSOURCING, INC.?
FAIR COLLECTIONS & OUTSOURCING, INC. has accumulated 4,366 total CFPB complaints across 52 states, with 1,368 filed in the most recent 12 months against 2,998 historical complaints before that window. The trailing-12-month volume represents 31.3% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 98% timely-response rate against a 26% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 52 states, led by Florida with 521 and Texas with 513, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 53.0/100 places FAIR COLLECTIONS & OUTSOURCING, INC. in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
1,368
31.3% of total history
Rising ↑
States active
52
Distinct state filings
Timely response rate
98%
Within CFPB SLA window
Consumer disputes
26%
After company response
Reputation grade
D
53.0/100 composite
Response-quality profile
How FAIR COLLECTIONS & OUTSOURCING, INC. performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 98.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 52.2%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 92.9%
Share of US states + territories with at least one filed complaint against this collector.
How does FAIR COLLECTIONS & OUTSOURCING, INC. compare to its peers?
FAIR COLLECTIONS & OUT… National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed1,871 (%)
False statements or representation673 (%)
Written notification about debt752 (%)
Took or threatened to take negative or legal action323 (%)
Cont'd attempts collect debt not owed173 (%)
Disclosure verification of debt104 (%)
Communication tactics71 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 1,148 |
| False statements or representation | Attempted to collect wrong amount | 673 |
| Written notification about debt | Didn't receive enough information to verify debt | 512 |
| Attempts to collect debt not owed | Debt was result of identity theft | 456 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 323 |
| Attempts to collect debt not owed | Debt was paid | 267 |
| Written notification about debt | Didn't receive notice of right to dispute | 240 |
| Cont'd attempts collect debt not owed | Debt is not mine | 173 |
| Disclosure verification of debt | Not given enough info to verify debt | 104 |
| Communication tactics | Frequent or repeated calls | 71 |
Where do complaints against FAIR COLLECTIONS & OUTSOURCING, INC. come from?
The states where consumers have filed the most CFPB complaints against FAIR COLLECTIONS & OUTSOURCING, INC.. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against FAIR COLLECTIONS & OUTSOURCING, INC.
Across 52 states with at least one filing
- Florida
Florida
521 complaints
- Texas
Texas
513 complaints
- California
California
468 complaints
- Maryland
Maryland
381 complaints
- Georgia
Georgia
321 complaints
- New York
New York
221 complaints
- North Carolina 183
North Carolina
183 complaints
- Pennsylvania 165
Pennsylvania
165 complaints
Frequently Asked Questions
What is the most common complaint against FAIR COLLECTIONS & OUTSOURCING, INC.? ▼
The most common issue consumers report about FAIR COLLECTIONS & OUTSOURCING, INC. is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 4,366 complaints filed with the CFPB.
Are complaints against FAIR COLLECTIONS & OUTSOURCING, INC. increasing or decreasing? ▼
Complaints against FAIR COLLECTIONS & OUTSOURCING, INC. are rising. The company received 1,368 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is FAIR COLLECTIONS & OUTSOURCING, INC.'s reputation grade? ▼
FAIR COLLECTIONS & OUTSOURCING, INC. has a reputation grade of D (score: 53.0/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does FAIR COLLECTIONS & OUTSOURCING, INC. respond to consumer complaints? ▼
FAIR COLLECTIONS & OUTSOURCING, INC. has a 98% timely response rate to CFPB complaints. Consumers disputed the company's response in 26% of cases.
In how many states does FAIR COLLECTIONS & OUTSOURCING, INC. operate? ▼
FAIR COLLECTIONS & OUTSOURCING, INC. has received CFPB complaints from consumers in 52 states, with the most complaints from Florida (521 complaints).
What can I do if FAIR COLLECTIONS & OUTSOURCING, INC. is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If FAIR COLLECTIONS & OUTSOURCING, INC. violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |