Complaints

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:10/10/2023

  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.

  I received a letter from ******* ****** requesting $2999.00. I requested details in addition to a validation request. The individual refused any further assistance. I have never done any business transactions with Fabco.

  

  Business Response

  Date: 10/16/2023

  Hello. We received a letter from this consumer's attorney on 12/21/2021, and sent validation to the attorney, along with follow-up letters. We cannot communicate directly with the consumer when they have attorney representation. Please see attached copies of the letters and itemization. If the consumer wishes to discuss this account directly with FABCO, we need her to call us at ###-###-#### and explain she no longer has attorney representation. Regards, FABCO.

  Customer Answer

  Date: 10/22/2023

  [If you do not say why you are rejecting the company's response, BBB must close your complaint.] 
  
  
  
  ********** ********
  
  
  
  I am rejecting this response because: 
  
  
  
  Regards,
  
  
  
  ****** *****

  Customer Answer

  Date: 11/09/2023

  Description:
  I have requested a validation on debt from ***** ********** ********, who is now represented by
  Fabco, but they have refused to provide the original documents. I request that they provide the original
  signed lease agreement for 4/29/2019, signed by ***** ******, the property manager. And a lease
  agreement for 4/29/2020 was signed by ******* ******, property manager. The company refused.
  Instead, ***** ********** ******* ***. refused to accept my 60-day notice to vacate my apartment.
  Over a year later, they informed me of this information via mail. I claimed to have renewed my license
  after I moved out in order to obtain illegal funds. They harassed me for $2977.00 until I obtained an
  attorney, then added the false claim to my credit report with the help of Fabco.I gave a 60-day notice,
  then moved out in March 2021 and turned in my keys.I did not live in the apartment complex from April
  2021 to October 2021, as alleged by Fabco. I did not receive any eviction notices or anything from an
  attorney. The documents were not a validation of the debt. They simply printed out my payment history
  from the ******** ******** ******* then added several months of rent and electricity payments that were
  not included in the lease. None of those actions were legal.
  

  Satisfactory Solution:
  Provide the original signed rental contract.
  Corrections to my credit report demand this account be removed
  from my credit report
  ********* *** *******

  

  Business Response

  Date: 11/16/2023

  We provided validation
  of the debt and follow-up letters to this consumer's attorney, but the attorney
  never replied. We have been going back and forth through here and through the
  BBB.  The consumer has not provided a key receipt or any proof that they
  vacated earlier than 7/26/2021. The creditor states the consumer did not
  provide a notice or a forwarding address, and vacated 7/6/2021. We believe we
  addressed this consumer's complaints and have nothing new to add.

  If the
  consumer has a copy of the notice to vacate they submitted to ***** **********,
  and/or a copy of the key receipt, signed by *****, then please submit it to our
  office for review.

  Due to size limitations here, please find enclosed a partial copy of the signed lease agreement,
  which we provided to this consumer's attorney in it entirety back in December 2021.

• Initial Complaint

  Date:06/16/2023

  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 been a victim of identity theft. I discovered it last few weeks ago upon reviewing my credit report. I found accounts that are not mine , unknown addresses that I never resided, inquiries I never made and even a variation of my name such as ****** * *******. Now I am dealing with creditors who want me to file a fraud packet even though proofs has been given already. I also found this account that I believe not mine:
  
  Acct name: FABCO (Original Creditor: ** ********** *****)
  acct no. **********
  date opened 07/28/2017
  balance $2,326.00
  
  I am not liable for this debt and I do not have a contract with:
  Company: FABCO
  Address* ** *** ***** ********* ** *****
  Tel No:#############  Police Report and FTC Affidavit are attached with this complaint together with dispute letter sent to the bureaus and the authorization for release of information. I also filed complaints thru CFPB.
  
  Please delete this account from my credit report at once. Any questions or concerns I can be reached at ** * ********* *** ********** ** ***** and email at **************************.
  
  I need a response from the company.

  

  Business Response

  Date: 06/19/2023

  Good morning Ms. ******* - The creditor, ********** *****, sent over this account to our collection agency in July 2017. We actually spoke to you on on a few occasions throughout the years. In March 2018, we explained the charges over the phone and you said you would "pay later", and on 4/20/2021, you called us and asked for a settlement. We explained you needed to offer a settlement amount and we would take your offer to the creditor, but you did not submit one. Since this account is over 6ys old, we will delete it from your credit within the next 30 days; however, just because the debt is not on your credit, it does not mean it is not owed. Should you wish to pay the $2325.59, please call us at ###-###-####. regards, FABCO.

• Initial Complaint

  Date:05/19/2023

  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.

  This apartment complex, charged me wrongfully. l lived in black mold coming from my ceiling and roaches while I was pregnant, which they refused to resolve. I had a rock thrown through my window while I was pregnant and the complex said it was my fault and rejected to fix the window. These circumstances forced me to leave the complex for the safety of me and the my future daughter. The complex charged me over $3k for only one month of staying there, which I could not afford, since my rent was only $810 at the time. I paid the rent the whole time I lived there, up until the last month when they tried charging me $3k plus, which is a 300% plus increase in my rental agreement. The complex refused to resolve the issues in the payment and I couldn’t afford to pay $3k for the last month of rent. They put many added charges on my end of lease, like the pet fee, and I didn’t have any animals within the apartment. They refused to give back my security deposit. The actual bill should’ve only been the last month of rent which was $810, not over $3k in charges that weren’t added rightfully. I tried speaking with the complex manager but they had nothing to say. This is causing me and my daughter to not be able to get an apartment, because they have affected my Fabco score and compexes won’t take me.

  

  Business Response

  Date: 06/05/2023

  We cannot located an account for a ****** ****** in our company. The consumer needs to provide us with the last four numbers of her SSN, date of birth, and mailing address. One we locate her account, our answer will be sent via USPS to the address she provides. Respectfully, FABCO.

• Initial Complaint

  Date:04/27/2023

  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.

  They are continuing to report on eviction from ************ ****** ********** even though the eviction was expunged from the Franklin County Municipal Court records, see attached. 

  

  Business Response

  Date: 04/27/2023

  We need the consumer's last four digits of his SSN in order to investigate this eviction reporting. Regards, FABCO.

  Customer Answer

  Date: 04/30/2023

  
  
  I accept the business's response to resolve this complaint.
  
  
  Regards,
  
  
  
  ****** *******

  Last 4 SS ****

   

  

  Business Response

  Date: 05/01/2023

  A few days
  after an eviction is filed at the Franklin County Municipal Court, they send a
  file to our office and other data repositories throughout the United States.
  This file contains all the case files for that particular day. We then download
  all the eviction filings we receive from them into our database.  Once a case is filed it becomes a public
  court record regardless of the disposition. The sealed order does not expunge a
  record, it only removes the information from online public access. However,
  just because an eviction cannot be found online it does not mean it no longer
  exists. The eviction can still be reviewed personally at the Franklin County
  Municipal Court. Moreover, there are numerous repositories that obtain these
  records and FABCO would not be the only reporting agency for this data. FABCO
  does not obtain records from public access, and anyone accessing this information
  must have a permissible purpose to do so. The Fair Credit Reporting Act allows
  anyone with this data to report for 7 years. We have already updated Eviction
  numbers *********** and *********** on our report to show the eviction has been
  sealed. Your attachment does not show the evictions were expunged. Should you
  have documentation showing they were in fact expunged, please submit it to our
  office at ********************* or call ###-###-####.

• Initial Complaint

  Date:02/24/2023

  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.

  Fabco put over $7000 in rental debt into a closed collections on one of my credit reports. I never received anything to imply I would have a collection on my report by FABCO nor my old landlord. I turned in a 30 day notice, vacated the property on the date I provided in my notice and my landlord was intending to sell the house because he was too old to maintain it. To my surprise it looks like I paid for his remodeling in order to sell his house. The charge I knew nothing about is BOGUS and FABCO did no effort to reach out to me. I got their name and info from my credit report. What a shame and poor handling of this. I absolutely would have never left my 10 year lease with over $7000 in repairs/damage. Ridiculous

  

  Business Response

  Date: 03/02/2023

  The creditor, *** ********
  sent an account to our office in this consumer and another leaseholder’s name,
  on 9/25/2020. The balance is a result of her renting **** ** **** **** from
  8/1/12 through 6/2/2020. Upon move-out, the consumer did not provide a forwarding
  address to the landlord, which is why the creditor was unable to send her a
  copy of the itemization. Once we received the account, we sent a validation notice
  to the rented address hoping it would be returned to us with a forwarding it.
  The letter never came back. We made several calls to the phone number listed on
  the application she filled out, but her voice mail was full until 10/18/21, and
  10/25/21, when we left voicemails. She never returned our calls. We did not
  report the amount owed to the credit bureau until November 2020. Per the rules
  of the FDCPA and FCRA, we have 30 days (from request date) to reply to a
  dispute. We have contacted the creditor for additional documentation. We will
  mail a reply with documentation to the consumer’s address provided in this
  complaint by 3/24/2023. Should we not receive the requested documentation from
  the creditor by the due date, we will close the account. Regards, FABCO.

• Initial Complaint

  Date:01/30/2023

  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.

  August 2022 I learned by denied application Fabco had showed several evictions on my record that was not mine.By October 2022 they removed some cause they were not mine.After that they left one eviction on my acct from 2022 that was not a eviction but a court advised landlord tenant agreed move out from *** ****** **** *** **** ******** ** ******* show with Fabco as a eviction.That lease was paid in full before early move out date.Fabco was ruining my chances of finding new home with thier wrongful reporting I had my records expunged and the court date for moveout removed from public records yet Fabco is still reporting as eviction in which is causing me to be denied by Landlord's still.After several attempts to resolve with fabco directly ****** ***** with Fabco told me I needed letter from old landlord to show to any perspective landlords so they a know I owe nothing and was not evicted from the address listed above.After being unable to obtain that letter from previous landlord due to they are under litigation for being poor owners of the ******* *** buildings,****** ***** from fabco then said they are still going to leave it on my record for 7 yrs even tho it was never a eviction,no money is owed,had been removed from public records by court order through ******** ****** ********* Court, and after seeing I can't get letter from landlord to show to any new landlords that I have no recent evictions.Fabco themselves even reached out to the landlord and said yes they said your balance is 0 and yes they said it was not a eviction but claim that even tho that particular court date was removed from public records, that they still get to leave it on my records with them solely because " the courthouse uses a portal and since I haven't obtained a paper copy of removal that it can't be removed"not realizing that is basically thier way of saying Fabco will not allow me to be able to rent again.Fabco is and have been abusing my rights to fair housing.

  

  Business Response

  Date: 02/01/2023

  A few days after an eviction is filed at the ******** ****** ********* Court, they send a file to our office and other data
  repositories throughout the United States. This file contains all the case files
  for that particular day. We then download all the eviction filings we receive
  from them into our database.  Once a case
  is filed it becomes a public court record regardless of the disposition. The
  sealed order only removes the information from online public access. However,
  just because an eviction cannot be found online it does not mean it no longer
  exists. The eviction can still be reviewed personally at the ******** ****** ********* Court. Moreover, there are numerous repositories that obtain these records
  and FABCO would not be the only reporting agency for this data. FABCO does not
  obtain records from public access, and anyone accessing this information must
  have a permissible purpose to do so. The Fair Credit Reporting Act allows
  anyone with this data to report for 7 years. We have updated Eviction number
  *********** on our report to show the eviction has been sealed. If the consumer
  has had the record expunged as she claims on the complaint, she needs to submit
  the documentation to FABCO so we can remove the information. Lastly, the
  consumer claims FABCO continues to keep her from obtaining  housing. FABCO has not screened this consumer
  since September 2022. It is very possible other companies are reporting this
  information since the consumer stated, “which is causing me to be denied by landlord
  still.”

• Initial Complaint

  Date:01/06/2023

  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 not liable to for the debt with Gahanna Crossing Apartment and don't have a contract with FABCO. They don't provide me with the original application like I asked.

  

  Business Response

  Date: 01/09/2023

  FABCO does not buy debts - we are a third-party collection agency. The creditor, Gahanna Crossing Apts., sent an account in ******* ******** name to our office on 2/21/19. He has made 4 payments totaling $80.00 towards the balance. We have spoken to Mr. ****** several times throughout the years, and he never requested a copy of his application. Our calls are recorded and notes of the conversations are on his file. We last spoke to him on 12/9/2022, and he offered to settle the debt for an amount the creditor is not willing to accept. Please find enclosed a copy of the application he submitted to the creditor(SSN/DOB partially blacked out for privacy reasons), signed lease agreement, an itemization of the charges, and a summary page from our system showing the current amount owed. Mr. ****** may call ###-###-#### to make a payment or should he have any questions. Regards, FABCO.

• Initial Complaint

  Date:09/28/2022

  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.

  I applied for a home for rent and Fabco provided inaccurate credit score, which I was the denied to rent the property. I was told by the company I did not meet the qualifications to rent from them, which I actually do and each credit bureau has been checked to verify that FABCO provided to falsely on my behalf.

  

  Business Response

  Date: 09/29/2022

  Your score is provided by
  TransUnion and not FABCO. The score used in the report we provided to the
  landlord is a Vantage 4.0 score. It is possible that you are viewing either a
  FICO score or Vantage 3.0 score.
  
  FABCO is one of hundreds of
  reporting companies that have access to this data and does not make the
  decision as to the credit worthiness of a consumer seeking housing. That
  decision is the landlord’s and whichever criteria they have set up in place. If
  you have been denied housing, you would need to receive an Adverse Action
  letter from the company or individual 60 days from the date you applied,
  explaining the reason for your denial.
  
  We are unable to provide
  credit reports to a consumer. In order to obtain a copy of your credit report,
  you can contact TransUnion at ###-###-####, or send a written request to
  Consumer Disclosure Center **** ****** *** *** ******* ************ ****** You
  may also request a copy of your reports at ***********************